davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (TX)

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 1981. Account Name : 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 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, 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 2022-04-22
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an account without my written instructions. 
"
Consumer complaint received 2022-04-22
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. (VA)

I have tried to remove these fraudulent inquiries from my credit report that wasn't authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion refuses to send me my free annual consumer report. The corporation keep saying they need documents to verify my identity. Documents has been sent already. TransUnion refuses to send me my report. I have already filed one complaint with the CFPB concerning this matter, reference number XXXX
Consumer complaint received 2022-04-22
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. (MI)

In accordance with the Fair Credit Act XXXX, Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy.

>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A. Section ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Delete those late dates now! The bureau and the furnisher have ignored my requests to fix this inaccurate reporting. I've followed FCRA procedures, but the information remains unverified and incomplete, violating my rights. Take immediate action, remove the late dates, and confirm in writing no more excuses! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, get that fake bankruptcy off my credit report now! I've never been to court, and there's no judgment against me. Remove it immediately, or my attorney will file a federal case against you within 30 days no more delays! Take this seriously and fix it now! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed on XX/XX/2017.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN : 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 the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-22
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXXt Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction. 

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 2023-02-25
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$17000.00} and update this on my credit file.
Consumer complaint received 2023-02-25
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. (CA)

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  Account name : XXXX XXXX Account name : 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. 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 reports containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than 7 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 2022-04-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX 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
Consumer complaint received 2022-04-22
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 XXXX XXXX account # XXXX, XXXX BANK account # XXXX, XXXX XXXX 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
Consumer complaint received 2022-03-28
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. (MI)

I have submitted several request for Equifax, XXXX and XXXX to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.
Consumer complaint received 2022-10-14
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 XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (AR)

A Discover card was fraudulently opened in my name. Account date opened in XXXX. The bill was sent to another address or post office box number that I was not aware of. The credit limit was {$17000.00} from XX/XX/XXXX to XX/XX/XXXX. The account was closed on XX/XX/XXXX. The high balance was {$15000.00} from XX/XX/XXXX to XX/XX/XXXX. I received a summons today and was made aware of the account. Presently I am disputing it and reporting fraudulent activity. Also, freezing my accounts.
Consumer complaint received 2015-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX, 2015 I went to the Bank of America located at XXXX XXXX in XXXX Georgia to put some items into my safe deposit box. After the confusion of the procedure for customers to follow to gain access into their safe deposit box ended, I was asked for my box number so they could provide access. Since I could not recall my safe deposit box number they had to look it up in their files. When the representative went to the location of where they keep the files for the safe deposit boxes my file was conspicuously absent. It was later determined that the represent that opened the safe deposit box had it in his possession. Why would a representative have a file in his possession preventing other employees of Bank of America from accessing it out of a legitimate need to do so? My safe deposit box was opened approximately three XXXX 3 XXXX weeks ago so it should have been placed in its central file location so that all representatives of Bank of America employees would have access to it if it were needed. Is there a legitimate reason for the Bank of America to keep my safe deposit box file in his immediately possession? Once they were able to find the location of my safe deposit box, my key did not work. It turns out that my contract says that I have safe deposit box XXXX but I was given a key to safe deposit box XXXX XXXX. When I opened the safe deposit box and placed my initial items in the box, they were placed in safe deposit box XXXX. I do not believe that this could have been done accidentally. All of the representatives that placed my key inside of safe deposit box XXXX told me that it did not go to that box and noted that the key was not going completely inside the safe deposit box. When I placed the key inside the safe deposit box it went in just fine and the safe deposit box XXXX opened. It would seem as if the Bank of America employees that assisted me in gaining access to my safe deposit box were actually attempting to keep me out of it. I have enclosed a copy of my safe deposit contract as well as the sleeve that contained the keys to the safe deposit box I was given that differed from the assigned safe deposit box on the contract. You have CRIMINALS in your midst as this is not the first incident I have had with Bank of America. I can only assume that you are not one of them, so my question becomes what are you going to do about it?
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

My name is XXXX XXXX i have a suntrust/Truist my account had been locked a year it's been closed open closed open to locked for withdraw i have did everything i was suppose to do and is still locked i have XXXX dollars in my account i want to be able to access my account since the merge to Truist bank i have not recieved my card and not been able to access my account online
Consumer complaint received 2022-03-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (CA)

I filed for Chapter XXXX bankruptcy sometime in XX/XX/XXXX and was discharge in XX/XX/XXXX. It took 5 years for the discharge because my bankruptcy lawyer was suspended and went to jail, so I have to finish my Chapter XXXX without the help of a lawyer. I am trying to refinance my home at the moment and it turns out my second mortgage company put a lien on my property without letting me know. I assumed that my second mortgage was XXXX by the bankruptcy court because my second mortgage company stopped sending me bills since the start of my bankruptcy proceedings. It is like it went on " zombie '' account and they hid the statement from me that I still owe them money. After I contacted them to release the lien, they are trying to collect the $ XXXX that I owe on the second mortgage. this put me in a bad position and will not be able to afford the mortgage payments. I am current with my first mortgage and excellent payment schedule. I am XXXX XXXX XXXX and ready to retire and hopefully will be able to file this complaint against my second mortgage company as a violation of Elder Financial Abuse by the second mortgage company. Can you please let me know if you can help me in this situation? Thank you very much.
Consumer complaint received 2022-03-28
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. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

For about 6 months, I havent had access to my equifax report. I tried to log in on their site, and it said that it was an NH error code. I called them, they told me their system was down. I called again, and we found out that my account was locked. We worked to unlock it, then I attempt to log in and it says that they were temporarily unable to perform that. I also tried to access it from annual credit report, and its blocked from there too. Its also blocked on my credit monitoring account.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I had an existing Chase Freedom Visa with a {XXXX} credit line. I opened a Chase Southwest Rapid Rewards Visa is XXXXXX/XX/2021. Chase transferred a credit line of {XXXX} to the Chase Southwest Rapid Rewards Visa from the Freedom Visa in order to open the new account. I tried to close the Southwest Rapid Rewards Visa a year later and restore the full {XXXXXXXX} Freedom Visa credit line. 

Chase refuses to restore the Freedom Visa credit line in full - and will only transfer {XXXX} back to the Freedom Visa credit line from the Southwest Rapid Rewards Visa. The explanation is that because there is a {XXXX} balance ( annual fee for XXXX ) on the Southwest Rapid Rewards Visa , the full credit line that I used to open the Southwest Rapid Rewards Visa can not be restored. 

According to Chase 's XXXX XXXX, the issue can not be escalated and the system will not allow him or anyone else in the company to do it. The only other solution is for Chase to perform a hard credit check to see if I qualify for a credit line increase on the Freedom  Visa. I have now closed the Southwest Rapid  Rewards Visa and XXXX says he is transferring only {XXXX} back to my Chase Freedom Visa credit line - but under no circumstances will Chase restore the full {XXXX} credit line on the Freedom Visa - even though that was what I was promised time and time again in my phone interactions with Chase customer service when I opened the Southwest Rapid  Rewards Visa and when I started trying to close it. 

I want my original credit line restored without a hard credit check. It makes no sense that I would enjoy the full XXXX credit line ( distributed over two credit accounts ) if I didn't close my Southwest Rapid Rewards Visa account.
Consumer complaint received 2021-08-27
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. (TX)

Hello I reach out several times to receive the same generic answer that the accounts has been verified and accurate how can they be when they are reporting inaccurate information. Under FCRA all information must be true and accurate if not it must be deleted from my credit file immediately and send me a updated version of my credit report. 

XXXX XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance ( XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance reporting ( XXXX XXXX XXXX XXXX ) is a charge off account which has been sold to a collection agency and reporting a credit limit on a closed credit card account
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

A capital one credit card was opened in my name that I wasn't aware of. This card is reported on my credit removed as a closed account I just want this card removed from my credit report, this card that wasn't opened by me is causing plenty of financial hardships in my current life.