davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
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. (IL)

XXXX, XXXX, and Transunion all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Consumer complaint received 2018-01-01
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. (FL)

I paid off my defaulted student loan with XXXX XXXX last XXXX 2016. I just received a credit alert from my credit monitoring service stating that XXXX XXXX has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-03-18
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. (PA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # 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 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONS RELIABLE LENDING LLC (TX)

Lender Nations Reliable Lending aka XXXX NMLS ID # XXXX located at XXXX XXXX, Texas XXXX originated a conventional 10 year fixed cash-out refi for my home. NRL provided a truth in lending ( TILA ) closing disclosure that outlined the terms of the loan including no-prepayment penalty and no balloon payment. Due to NRL 's miscalculation of P & I payments as evidenced by the Amortization Schedule a balloon payment results in the final balloon payment of over XXXX payment which exceeds the error tolerance of {$100.00} or .5 % of loan face value. It is highly likely that this error is systemic and has impacted a significant number of loans originated during the same time frame and/or prior. The harm that has resulted are as follows : 1 ) Loss of time having to recollect documentation to re-close the note. 
2 ) The potential loss of opportunity to capitalize on prevailing market rate at close 3 % with points. Currently approx. 3.75 % 3 ) Expenditures associated with having to consult both legal and accounting professionals regarding recourse and financial documents for new underwriting requests.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

on XX/XX/2022 I went to XXXX and pay a temporal vehiculo internation fee in the Border to XXXX for {$460.00} dlls wich I paid with my ATM visa bank of america ending on ( XXXX ) on XX/XX/2022 I went to the XXXX XXXX XXXX colorado, XXXX XXXX Border to cancel the permit and be reimbursed since my vehiculo motor ( CAR ) is returned to USA and my trip ended .after a few weeks I realized that the money wasn't credited on my bank account and I have overdraft fees so I called the XXXX and they told me that the money was send back to my account visa card I originally used the first time with ( BOA ) bankofamerica visa card ending ( XXXX ). on XX/XX/2022 I contacted Bank of America to make a claim and the money was temporarily credited in my account .on XXXX bank of america denied my claim 'due to the length of time pased from my original transaction and taken back the Money from my account and charging penalties and overdraft charges and fees. since then I tied to contact them unsuccesfully putting me on hold wasting my time and irrespectully hanging my calls, the second time I was answered I requested the razon and information in writing and I haven't heard nothing back nor recieved nothing in writting. thank you for your help and legal advise to recover my money.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VT)

I have a XXXX XXXX XXXX, issued by Comenity Bank, N.A. The account was initially opened with XXXX XXXX  XXXX, which sold it to Comenity in late XXXX. The first transaction with Comenity was on XX/XX/XXXX and there were 69 total transactions, with the last transaction on XX/XX/XXXX. 
I was making a payment online on XX/XX/XXXX and I discovered that there was no available credit. My limit is {$1200.00} and my statement balance at that time was {$220.00}. I made a payment of {$110.00}, then sent a message through the secure message portal asking for information as to why I had no available credit. 
I received a message back on XX/XX/XXXX requesting that I call the account security department. I was referred to a supervisor who told me that the account was closed because XXXX had no physical address on file. She told me that my account would be reopened with XXXX hours. 
On Tuesday, XX/XX/XXXX, the account was still closed. I sent another message through the secure portal asking for a status update. I received a response on XX/XX/XXXX that the account was permanently closed due to security concerns. 
On XX/XX/XXXX, I called the company and spoke with XXXX XXXX who told me the same thing. He stated that due to the Patriot Act, my account was permanently closed. He also stated that he could not share what the security concerns were. He said I was welcome to pay off the balance and re-apply in 30 days. He showed no empathy, seemed to be impatient with me and periodically spoke over me while I was talking. 
I find it disturbing that an account can be closed through no fault of the account holder. I held this account for 15 months and Comenity was more than happy to take my money over that time. When there was an issue, there was no communication with me directly through the mail, a phone call or a message in the secure message portal associated with my account. I also am very concerned as to the possible repercussions to my good to excellent credit score. 
I look forward to your response.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE XXXX BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Consumer complaint received 2023-02-01
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: GOLDMAN SACHS BANK USA (GA)

Goldman Sachs Bank USA responded to a XXXX XXXX XXXX XXXX XXXX XXXX complain not to long ago on XX/XX/2023. I, XXXX XXXX XXXX filed a complaint with XXXX regarding Goldman Sachs Bank USA regarding a fraudulent item on my XXXX Credit Report. According to the response from Goldman Sachs Bank USA, They stated that I was not liable for this account and as of XX/XX/2023 they supposed to have sent a notification to XXXX to have the fraudulent account removed. I have attached proof of message from Goldman Sachs Bank USA regarding their agreement and response to remove this fraudulent account from my credit report, but for some reason, the fraudulent item is still reporting on my credit file. Please advise and remove this Goldman Sachs account from my credit report please. Thanking you in advance for your cooperation. 

XXXX XXXX XXXX
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Texas Guaranteed (FL)

I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
Consumer complaint received 2023-05-11
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: Credence Resource Management, LLC (NY)

An account from XXXX XXXX XXXX showed up on my credit report for a delinquent amount of {$3600.00}. Opened two years ago. It just showed up a couple of weeks ago. I have never seen this account prior on my credit report. No account information identified , street address, name etc. I've never opened up an XXXX XXXX XXXX account before. I've always had an XXXX account. This account does not belong me.
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

My loans were posted on my credit as delinquent despite being told by multiple customer service representatives that they did not have an account for me after giving them my ssn, birthdate, and other information. My loans were in a forbearance until the end of XXXX and were being auto paid off my credit card. I received a notice in XXXX that my loans were being changed to XXXX XXXX when I called to get my account back on IDR and on auto pay again they said they didn't see any information for me if my account started with D or J and I would have to wait until XXXX was up and running in XXXX. I got the welcome email XXXX on XX/XX/XXXX and the same day all my loans reported delinquent on my credit. When I called Nelnet to ask what happened they again said they had no information for me and to call XXXX. When I called XXXX the first rep kept putting me on hold for a total of XXXX minutes to look up information. I ended up hanging up and calling right back. I finally got another customer service rep and told her everything that happened. She recommended I do a forbearance when I asked about paying the delinquent balance, but said she wasn't sure if I needed it or not, so she transferred me to another rep who couldn't find any information on me either. I asked to speak with a supervisor and she forwarded me to her supervisor 's voicemail. I asked for her name and operator number before she transferred me and was given the info reluctantly like they didn't have XXXX to give. After which I left a long detailed message supervisor and never heard from her. When I got off the call I went to the XXXX website and tried to log in with my information and the site also stated it did not have account with that information. I recorded these calls and website attempts. After a couple days I went back to the site and tried again and was able to set up an account. I paid and got the account up to date.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX to XX/XX/XXXX there was a XXXX XXXX emergency transfer in the amount of {$1800.00} from my Bank of America EDD account. Six days later the exact same transaction happened again for the amount of {$990.00}. I filed a claim with Bank of America prepaid claims services in XXXX when I saw the error. Two days later, Bank of America denied my claim. I requested I reconsideration six days later Bank of America sent me a letter stating that the transaction was completed by me, but if I didnt do it, I know who did. I have provided a police report a complaint from the United States Postal Service, my own written statement and a statement from the appeal judge who also stated that someone had been fraudulently using my identification to withdraw friends. so now the bank is moving to field goal I have 45 days for reconsideration. They sent me a letter stating that the claim had been resolved, and that the card on file had been mailed to an address for me that the bank has on file, and my credentials were used to turn on the card. This was not a card transaction this was an emergency transfer. Then they tried to tell me that I couldnt file a claim because my account had been closed last year in XXXX. Ive had to go to the bank four different times in two weeks to verify who I am. so now I ask them to provide me with all the information that they used to make their decision. They sent me one piece of paper with the transaction on it with the time of XXXX not one representative can confirm whether this time is eastern, central, pacific mountain. Please help me get my money back. Thank you.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 XXXX XXXX transfer that was not picked up from XXXX XXXX But yet not return to my account. 
Amount of {$5000.00}.
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

I was told that I owed XXXX for {$2.00} to XXXX credit car  which Ive never had I never open up the car from there and they are saying that theyre going to garnish my pay I have no idea what his car came from or who open it but it was not me.
Consumer complaint received 2020-06-11
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. (GA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$40000.00}
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.