davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (NY)

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXXXXXX XXXX on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX  actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXXXXXX XXXX may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXXXXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXXXXXX XXXX  to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, XXXX
Consumer complaint received 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (GA)

In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I sent XXXX Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

I received an email and prequalified offer from One Main Financial XXXX, Florida branch which stated I qualified for a {$3400.00} unsecured loan and a {$7600.00} secured loan, then after they collected all my documents, pay stubs, bank statements and drivers license they denied the loan. I believe it is based on my name and XXXX. This branch can be contacted at ( XXXX ) XXXX. They asked me to get a co signer which I find discriminatory and ridiculous.
Consumer complaint received 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my 2017 XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time XXXX-XXXX  hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-12-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is constantly adjusting my credit score based on wrong information. I am not 30 days behind on my mortgage and the last report date they have of my mortgage payment is is XXXX 2016. They lowered my score XXXX points for the third time and after the company reported I am not 30 days late.
Consumer complaint received 2020-12-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2020 I made XXXX transfer of {$600.00} from our checking account with SunTrust bank ( truist ) for the purchase of XXXX XXXX puppy. 
I can give much longer explanation, but the short version is : company is a fraud ( still have online presence ) and the whole " puppy '' is a scam. There now few XXXX warnings about that company but I guess no legal actions were taken by anybody. 
Web site name is : XXXX They offered XXXX electronic transfer as a way to pay for the puppy and even shared their email, name and telephone numbers in order to receive our funds. 
As soon as I sent money, they completely disappeared and no more communication can be established. 
When we immediately raised concern with SunTrust bank fraud representative they took all our information and created the Case and promised to investigate within 10 days and contact us with the result of their investigation. It took them less than 7 days to send us letter saying that our funds can not be returned.
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (UT)

On XX/XX/2020 I used Coinbase and converted XXXXXX/XX/XXXX USDC to ATOM but only received {$2700.00} worth of ATOM. The exchange rate used was XXXX ATOM/USDC but that was wrong. The rate should have been XXXX ATOM/USDC because it was {$5.00} per coin when I exchanged it. I should have received XXXX ATOM minus the Coinbase fee but I only received XXXX. Transaction reference code XXXX. 
I have reached out to Coinbase a couple of times over a month ago but the only response I have received was a case number, which is XXXX.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Debt collectors kept calling me and trying to force me to pay a the balance and disregarded my attempt to let them know that it was identity theft in the XXXX XXXX XXXXXXXX on the day XXXX, in addition calls under different names such as XXXX being portfolio recov assoc And Portfolio with inaccurate amounts way over the fraudulent debt, in accurate and inconsistent information being submitted to the XXXX bureaus and reported on my credit report with in accurate account numbers, account status and missing information and verification and are still visible on my application. I continued to dispute the account because it was an identity theft byproduct and instead the account was reinstalled causing further damage to my credit and profile impacting me mentally and financially and ruining my consumer image because of identity theft.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by PORTFOLIO RECOVERY, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned PORTFOLIO RECOVERY accounts. Immediately delete these misleading entries from my credit report. As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
Consumer complaint received 2020-12-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (NJ)

I received a response from Chicago Title and did not receive what I requested. Chicago Title sent me back a copy of the mortgage I picked up from the Chicago Title XXXX N.J. Office. The title policy legal description is no where near the same as the deed location. I HAVE REQUESTED AND NEED A COPY OF A VALID CHICAGO TITLE POLICY THAT IS INSURED BY CHICAGO TITLE. I certainly don't need a copy of what I had emailed them from the beginning.

Please send me the Title Policy that is insured by Chicago Title for XXXX XXXX XXXX XXXX, N.J. XXXX
Consumer complaint received 2020-12-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2020, I discovered that my online bill pay scheduled recurring payments were showing up as 'cancelled ' 7 days after showing as 'completed '. 
I requested assistance with this issue from SunTrust several times, and to this date I have not only NOT received any help, but I have discovered several more problems with my account, caused by XXXX, difficult, and nasty CSR 's.
Consumer complaint received 2024-03-12
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. (VA)

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.

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.