davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Account Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account : XXXX ( XXXX XXXX ) is being reported as an OPEN account by XXXX XXXX but being reported as a COLLECTION according to Experian. A balance and past due balance of {$190.00} is being reported along with it being reported as a COLLECTION. The last day active is being reported as XX/XX/21 for XXXX, and XX/XX/21 for Experian which means this debt has not been validated. This debt has also been bought by a 3rd party debt buyer without my permission. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-24
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. (CA)

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

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 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 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

Trying to get refund to original form of payment from Citibank visa for a charge for XXXX XXXX tickets for XX/XX/XXXX thru XXXX. This flight was cancelled by XXXX XXXX not by us. Citibank refuses to refund or let us appeal. We will lose {$2000.00}
Consumer complaint received 2022-12-24
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. (CA)

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

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 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 2023-07-20
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. (AL)

In accordance with the Fair Credt Reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me!

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same.

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.
Consumer complaint received 2020-03-05
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. (NC)

The three Credit Report Agencies XXXX, Transunion and XXXX  lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (MD)

I am writing to express my deep dissatisfaction and frustration regarding a recent issue with my account. Specifically, I am concerned about how the Truist Bank corporate system has delayed addressing a transaction that exceeded the negative buffer protection, a feature designed to safeguard my account from overdrafts and financial stress. 

On XX/XX/2024. I initiated a transaction on my account which, unbeknownst to me at the time, exceeded the predetermined negative buffer limit put in place by the banking system. While I understand that occasional discrepancies can occur, the gravity of this situation is compounded by the systems failure to promptly address the issue, leaving me in a precarious financial position. 

Despite relying on the supposed safety net provided by the negative buffer protection, I am dismayed by the lack of timely intervention from Truist Banks corporate system. This delay has not only caused undue stress and inconvenience but has also eroded my confidence in the reliability and effectiveness of your banking services. 

As a loyal customer, I expect Truist Bank to uphold its commitment to providing secure and efficient financial solutions. However, the failure to promptly address this issue has undermined that expectation and has left me questioning the integrity of your systems and protocols. 

I urge you to thoroughly investigate this matter and take immediate steps to rectify the situation. Additionally, I request transparency regarding the cause of the delay and assurance that measures will be implemented to prevent similar occurrences in the future. I appreciate your prompt attention to this urgent issue and look forward to a swift resolution. 

Thank you for your understanding and cooperation. 

Sincerely,
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My phone number was stolen by others on XX/XX/2022. My phone was out of service started that day. I contacted my XXXX company while was informed my XXXX account was stolen by others. I was advised to lock my bank account. Then I locked my bank account through the phone. However, I received an email which indicated that someone opened a new account under my name and changed my mobile account information ( passwords and email ) on XX/XX/2022. 
I contacted Bank of America immediately and told them to close the new account. I was informed the new account was closed. 
At the same time, I reported this issue to the police, however, was not accepted by the police officer due to lack of evidence. 
I went to the BOA onXXXX to update my phone number and email. I checked my account the same day then found out my money was still in my account. While I discovered the account that I requested to close was still available. I requested to close the account again, but was informed they can lock the account instead of closing it. Furthermore, I was informed all my accounts were locked and my accounts were safe. 
On XX/XX/2022, I checked my account again but found all my account balance became XXXX! I went to BOA and found my money ( XXXX ) transferred to the new account which was not opened by me! In addition, the amount of money ( around XXXX ) under the new account was transferred to someone ( I dont know ). I did not receive any help from the staff and was informed to file a complaint. I requested to withdraw all the rest of my money! But got rejected! They even cant promise my money can still stay in my account. 
On XX/XX/2022, I went back to the bank for help and successfully withdrawn all the rest of my money. However, the XXXX was transferred out to someone through XXXX! Bank of America was not willing to prove any evidence or letter for me to report to the police! I was informed to wait for another department at their bank to send me a notification letter. But I waited for 1 week but did not receive anything!
Consumer complaint received 2020-03-05
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (MI)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Fraudulent collection Accounts : XXXX XXXX Bankruptcy Account Number:XXXX Account Opened:XXXX Balance : $ {$0.00} XXXXXXXX XXXX XXXX Account Number:XXXX Account OpenedXXXX Balance : {$0.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} Unauthorized Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date:XXXX Inquiry Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-05-10
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. (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. 

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 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 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 2020-08-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 


2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Please see my response to Huntington via the CFPB site : Complaint # XXXX Huntington continues to : - Charge me for interest incorrectly due to their negligence - Misapply funds that should be applied per my direction that they hold illegally in Escrow - Communicate that a scheduled subsequent refund XXXX XXXX will be received by Huntington, not my wife and I, and they will immediately hold that money in Escrow
Consumer complaint received 2022-10-03
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. (MD)

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. has violated my rights. 
( XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ) 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 2022-12-24
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS