davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 

XXXX ) I have not initiated any transaction with XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with onemain for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2020-03-03
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. (FL)

i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX   XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX. the other one is a XXXX XXXX XXXX XXXX opened in XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulently. The inquiries in question are 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
Consumer complaint received 2022-09-30
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-05
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. (NC)

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 USC 1681 SECTION 602 15 USC 604 A SECTION 2 15 USC 1681c ( a ) ( 5 ) 15 USCs-2 XXXX XXXX ) Account name XXXX XXXX XXXX amount {$580.00} Acct # XXXX, XXXXXXXX XXXX XXXX  amounts XXXX {$260.00} Acct # XXXX, {$98.00} Acct # XXXX, {$1300.00} Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX {$290.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct XXXX {$650.00} XXXX XXXX XXXX  Acct XXXX XXXX account closed and sold XXXX XXXXXXXX Acct # XXXX amount {$180.00} XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  Acct # XXXX amount {$160.00} XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (CA)

I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.
Consumer complaint received 2023-01-05
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: Bread Financial Holdings, Inc. (FL)

Comenity admits to furnishing inaccurate information violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ). Comenity has failed to provide proof that they provided required TILA disclosures, adequate notice of billing statements in order to allege a late payment in accordance with 15 USC 1666b. After proper notice provided to Comenity, they continued to retaliate by violating 15 USC 1666 ( d ). Comenity is using deception, oppression and coercion to defraud me and to continue to defame my character. SEE ATTACHMENT
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}
Consumer complaint received 2020-03-03
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened- XXXX credit XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-05
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. (MN)

Equifax and XXXX XXXX I didnt asked you to go in and Enter included in bankruptcy on XXXX XXXX XXXX I have disputed this with Equifax and XXXX XXXX and both of you guys fail to do a proper investigation based on Equifax credit report the bankruptcy was filed XX/XX/XXXX here we in the year XXXX and you trying to cover your XXXX and enter the requirements ive included in bankruptcy violating the FCRA both of you have been notified to start legal action. Remove the XXXX XXXX account in its entirety and send me an updated credit report I dont care which one of you remove it but it needs to be removed see file of when it was at it! I attached a copy of the credit report into documents showing there is no XXXX XXXX reference anything about it could you please resend me the copy of the report that has been attached and highlight where or of if you see anything regarding a discharge XXXX XXXX and I do exercise my rights under FCRA 609a ( 2 ) to request you to return the copy of the credit report thats attached to this complaints/ dispute Thank you XXXX
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUIDANCE RESIDENTIAL, LLC (FL)

The lender is charging me interest rate of 6.5 % PLUS 'ACQUISITION ' fee of $ XXXX/month and XXXX FEE ' of $ XXXX/month making aggregate overall interest rate over 12 % on my primary residence. 
I feel this is 'predatory ' lending especially since i am on XXXX and XXXX years old. 
I have requested the lender several times to give me a consideration to reduce the interest rate since national interest rates have fallen all time low.
Consumer complaint received 2022-09-30
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (UT)

Hello, I closed on the sell of my property XX/XX/XXXX and have yet to receive a payoff quote from the mortgage lender. A notice of default was recorded on XX/XX/XXXX. Security National Mortgage Company has had a request from XXXX XXXX for several weeks and have yet to provide the information needed to pay off the mortgage, stop the accrual of interest and attorney fees. Another month has rolled due that I will be forced to pay. 

The title company called me XX/XX/XXXX to ask for my assistance with obtaining the payoff because no one was helping them at Security National or acknowledging their requests, even with the provided borrower authorization form. 

After speaking to Security National and being transferred multiple times, hung up on, waiting on excessive holds and being denied the request to escalate they informed me the payoff would need to be requested from the foreclosure attorney. Until XX/XX/XXXX no one had informed the title company this, even with multiple requests they failed to acknowledge and forward the request to the attorney. In speaking to them they do not have a process for this. We attempted to escalate the matter but the attorney and Security National played the blame game for the delay. Again, as of today we still do not have the payoff. 

I fear there are critical processes missing with this company and know they are outside the regulatory timeline to provide a payoff quote. I am frustrated that I will be paying another months interests and any attorney fees accrued during their delay. 

Thank you
Consumer complaint received 2020-03-03
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. (AL)

I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( Experian, XXXX  and XXXX  ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (IN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Consumer complaint received 2023-01-05
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. (SC)

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 Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-03-03
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: EQUIFAX, INC. (AL)

I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, Equifax and XXXX ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.
Consumer complaint received 2022-12-25
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. (GA)

XXXX XXXX XXXXXXXX XXXX  is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with Cease and Desist Letter and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with Cease and Desist Letter and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (PA)

Chase bank makes an offer for the United Club Explorer card which states that you get 50,000 bonus miles, and a United Club Membership included Then on the website, they talk about a {$650.00} value for the membership, then buried in small print it talks about {$450.00} They also have advertisements for the same card which talk about free united club membership.

These ads are everywhere if you travel on United ... in the app, in their clubs, on the planes.

In the end it is an either/or benefit - either the club membership or the 50,000 miles. I believe it is designed to be confusing and convince people they are getting both benefits.
Consumer complaint received 2020-03-03
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: DISCOVER BANK (MA)

I did not authorize or have any knowledge of such inquiries. 

DISCOVERBA - XX/XX/XXXX XXXX  DISCOVER FINANCIAL SER Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX XXXX
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX