davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : ARS # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX violated/violating my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Some inquiries were removed from my report for approximately a month and reappeared without warning. My concern is if they removed why put them back? I called wrote to transunion, I received a letter stating to call the creditors. I then called them and they removed  1 an d told me they could not remove the others.     Inquires are as follows :   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  The one they removed was   XXXX    XXXX   XXXX ,   XXXX   I was told by the individual I spoke to when I asked what caused the removal in the first place ; That there was a glitch in the system. she agreed that they were removed and were place back, yet I have to call the creditors. I did not have written notice that they would reappear. This is a violation of the law in-spite of what caused it. My rights were violated.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX violated/violating my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

On XX/XX/22, I contacted Equifax regarding missing information on my credit report and an erroneous credit score that needed correcting. Again on XX/XX/22, I contacted them again and lodged a formal dispute. There was no report of my current mortgages ( XXXX ) and all past paid mortgage information which would contribute to payment history and scoring appeared to have gone missing. I was told I needed to contact the mortgage company because they must not be reporting the information. I did as asked and was advised the information was being reported. I subsequently received an email from equifax that my dispute had been closed. When checking my credit report, my XXXX score dropped an additional XXXX points and there was still no report of any mortgage information, yet my score was continuing to drop with no derogatory information reported on my credit report? I have again noted a dispute but can only believe this must be related to the data breach as this makes no sense. It appears much of my credit history has been lost or there is a disconnect. The only information showing is revolving credit and nothing more?
Consumer complaint received 2022-11-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Unfortunately Ive now already spent a 16+6 hours and a 1 hour visit to try get my CD at Bank of America closed. 

They keep bringing up new holds and obstacles, hoops for me to jump through to get my money. XXXX XXXX 

1 year ago ( XX/XX/2021 ) I only opened the CD as to provide for getting a business creditcard. It was very clear i wanted it for 1 year. The company said and still claims When in maturity you can automatically renew or withdraw the funds without penalty. 

I have not been able to get my funds. Ive called for more than 16 hours on 6 different days. 
Last month they finally said the hold from the small business team is lifted, your funds are now released. Wait 10 days for your cheque. I DID NOT RECEIVE IT. 

I called today again for 2 hours and visited an office. They said there is another hold. No explanation on what happened. 

They are again emailing and calling different departments. I have 0 faith I will get my money. 

Please recommend how I can legally force them to give me my money. Potentially they are doing this with hundreds of clients. Could be hundreds of millions they illegally use to invest. 

I feel very hurt sad frustrated and angry. Today I suddenly had to throw up and been feeling very dizzy after the hours of talking with Bank of America employees who just turn me in circles and dont understand whats going on. 

Today they just emailed the small business department to ask to remove the hold.. last month they already removed the hold and said they released the money and the cheque is on the way its the 4th hold that appears and is always mentioned weeks later.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

experian IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

My Full First name is XXXX XXXXXXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from XXXX when I first looked at it showed me my name as 15 names. The same name is shown on the XXXX report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act Convergent Accounts, XXXX XXXX  # XXXX, XXXX XXXX XXXX CO # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I had a fire in my house where substantial damage occurred on XX/XX/2022. My insurance company provided an initial settlement to rebuild the house ; sending a check to me, my wife, and my mortgage lender XXXX in the amount of {$290000.00}. 

After the initial payout of {$97000.00} and partial additional funds of {$110000.00}, XXXX has denied my various request for more funding so I can finish rebuilding my house. 

I have provided receipts and bids showing funds I have spent forwarded to XXXX to no avail. As of today, I have spent {$290000.00} and I can not continue to fund the rebuild while XXXX is holding funds that are intended for my rebuild. 

XXXX claims their inspection department is showing not enough progress was made on repairs so they are withholding the funds. However, I have stated repeatedly and in multiple letters to them that their inspection is wrong. I even provided receipts from city inspection showing further progress of my house. 

At this point, XXXX is hindering my process to complete the rebuild of my house.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have an charged off account XXXX XXXX thats reporting to all three bureaus. And they are reporting an past due balance each month thats been charged off and the account status is reporting open. Please remove
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've been having trouble accessing my credit report online through TransUnion. Whenever I try to view my report, I get an error message saying they can't fulfill my request online. I've attached more details to this message. When I contacted their customer relations team using the provided number, they redirected me to a free credit report site, which didn't make sense. I should be able to view my report on their website. After all, why do they have a website if I can't access my report there? 

There are inaccuracies on my credit report that require dispute. However, I have been unable to file a dispute with TransUnion due to the runaround I received. This practice is deemed unacceptable, as it is not equitable for consumers to have to navigate complex procedures to view and/or file disputes on their credit reports with TransUnion. Therefore, it is expected that consumers can access credit reports seamlessly.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

I am a XXXX XXXX XXXX and I have a checking account with Chase Bank. 
On XX/XX/XXXX I wrote to Chase Bank, from my XXXX address, asking to close the account and to wire the balance to my XXXX Bank. 
In response, Chase Bank disregarded this instruction and sent a check for the balance to an address in the US at which I had not been resident for 10 years. The current resident kindly alerted me to this. 
It became clear that the check would be of no value in the XXXX as it was made out to a XXXX XXXX XXXX in Arizona that has no validity in the XXXX. I wrote to Chase Bank on XX/XX/XXXX explaining that the check had no value and asking that the account be re-opened so that the balance could be transferred by other means, for example as a check in my name or a directly wired transaction. In response I received a form to re-issue the check. 
I contacted Chase Bank Escalation Team in search of a solution ( case ref XXXX ). After a series of conversations, on XX/XX/XXXX I was advised by Chase Bank Escalation Team that if I presented the check at the counter of a Chase Bank branch in the USA it would be cashed. 
On the basis of this advice, I travelled to the USA and presented it at the counter of the Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Despite presenting full identification and an extensive conversation with XXXX XXXX XXXX XXXX, Branch Manager, Chase Bank were now unable to cash the check and I was obliged to return to the XXXX without the balance of my account and considerably out of pocket from the travel costs. 
Subsequent communications have not identified any method to return the balance of my account to me. 

In summary : - Chase Bank hold the balance of my account. 
Chase Bank disregarded my instructions to close the account and wire the balance to my XXXX bank Instead, Chase Bank sent a check which has no value. 
On the basis of an assurance from Chase Bank, I travelled to the US at considerable expense. 
I hope that the CFPB can assist in the return of the balance of my account and gaining compensation for the time and expense of a fruitless journey to the US from the XXXX.