davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-28
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. 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 XXXXXXXX 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 2022-12-12
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. (MI)

Unauthorized hard inquiries from XXXX and XXXX XXXX that Im unfamiliar with. 
Along with XXXX and XXXX running multiple hard inquiries Im not familiar with.
Consumer complaint received 2022-12-12
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. (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 u.s.c. 1681 XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXt # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information. Other than records of convictions of crimes which on dates 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 2021-01-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (IN)

On XX/XX/XXXX, I mailed Ally Financial a cease and desist along with other legal forms advising them pursuant to 15 USC 1692c. ( c ), I was notifying them in writing that I refuse to pay this alleged debt, and I demanded that they cease all forms of communication with me through any and all mediums. 
A return receipt and USPS tracking number indicated the mail was signed and received on XX/XX/XXXX. 
I have received numerous calls from Ally Financial, with voicemails left after the mail was received with the most recent being today, XX/XX/XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

CASE NUMBER : XXXX Department of Revenue I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated. 

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

The above IV-D case number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitution. 
Thank you for you cooperation
Consumer complaint received 2024-01-11
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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)

As dated, XX/XX/2023, I'm aware TransUnion, LLC furnish my Consumer Report without permissible purpose that's not allowed by law. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (PA)

Currently because of covid I am on a forbearance plan which expires at the end of XX/XX/XXXX. My mortgage was sold by XXXX XXXX to Selene Financial. At the beginning of XXXX I received a letter from Selene stating that my mortgage was in default because I was six months in arrears. I immediately called them and the woman I spoke to told me that the terms I had in XXXX XXXX would be honoured. A couple of weeks later I got another letter from Selene telling me that unless I paid them {$14000.00} my home would be foreclosed on. Again, I immediately called them and told them I had spoken to someone before and the situation was resolved. He told me there was no record of the call. I do have a record of the call. The man told me that I needed to fill out a form which he would send me and the {$14000.00} would be added to the end of the mortgage term. Instead I received a letter from Selene which told me they were pursuing foreclosure. Then today I got certified letters from them stating that unless I pay the {$14000.00} by XX/XX/XXXX which represent the amount I'm in default for, my home would be foreclosed on. I can not understand how when Congress passes a law allowing homeowners who are affected by covid to have their mortgages go into forbearance, that companies can ignore it and try to foreclose on properties.
Consumer complaint received 2023-06-20
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. (TX)

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Account # 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
Consumer complaint received 2023-03-09
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. (CA)

On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXXXXXX XXXX  or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wired {$50000.00} from my check account in Bank of America to my wife 's account in XXXX XXXX XXXX  in XX/XX/2021. But she only recieved {$48000.00}. I don't know what happened, why I lost so much money. I don't understand why she recieved US dollar but Bank of America exchanged that money to RMB and then exchange it to US dollar and send to her account. I don't know whether I or Bank of America made some mistakes. Anyway, I want cancel that transaction. So I asked Bank of Americato recall my money. However, I called the service center of Bank of America five times. First time an assotiate did the recall and gave me a case No. : XXXX. Second time an assotiate cound n't find my case and did recall again and gave me a new case No. : XXXX. Third time an assotiate knew nothing about my case. Forth time I call the superviser XXXX ( XXXX ). She did the recall again and gave me the new case XXXX. XXXX. Fifth time an associate say nothing happend about my recall. I have been a loyal customer of Bank of America for over four years. I am very disappionted. I am not only lost money but also undergone a terrible service experience.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " 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 ''. XXXX and Experian are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to Experian, XXXX, and XXXX, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.
Consumer complaint received 2023-07-15
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the 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 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-28
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. (GA)

I started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXXXXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( XXXX ).
Consumer complaint received 2023-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XX/XX/2017 I went to a used car dealership XXXX XXXX Vehicles in XXXX, GA. The dealer ran my co-signers and Is credit which at the time was reporting in the very high 600s to the low 700s on multiple credit checks. I was told that because I had no auto loan score and our age that the only place that would accept me is Credit Acceptance. I received one of the highest APR rates, 22.99 % for a used car. To my understanding this was a consumer credit transaction. I later learned there was much deception in the contract. Upon reading and understanding law I learned that a consumer credit transaction can not include cash. Pursuant 15 USC 1662 ( b ). There was a down payment given of {$2000.00}, as well as a vehicle trade in during this transaction. I called the company multiple times trying to understand how they came across the numbers but, all I was told was that I had to speak to the dealer. When speaking to the dealer I was reverted back to credit acceptance. I was told Id be financing XXXX and I sat in front of a computer, directed to type in initials wherever XXXX XXXX directed us too. I was told I needed to hurry so the loan could process and me being a first time dealership lease user I trusted the process. I legally did not sign any documents with my initials, everything was signed electronically. I did not see anything explaining the XXXX rate, nor did any representative explain to me. XXXX XXXX also signed me up for services that I was not made aware of like GAP Protection ( {$920.00} ), and when trying to access this service I was given the run around on whether I had a valid policy. I was in two physical accidents, and couldn't access this GAP program I was already paying for.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (MT)

XXXX. I requested several times for illegally withdrawn amounts on my account be stopped. There are fraudulent withdrawls from vendors in countries that run rampant with scams. I provided all the documentation to a key individual at the branch, she notarized my signature on the forms, then never submitted them. I followed up on the charges, and I was ignored. I reached out numerous times to find out what is going on, resubmitted the documents via email, and finally after weeks was informed that I have to open a new account and that all of the charges are valid. This is incorrect. They are not valid. I do not authorize them. I have documents I would like to upload, they show all the necessary information. 
XXXX. I lost my phone and can not access my account because it sends a XXXX time code. I called Key Bank call centers and branch locations and they refused to let me update my phone number regardless of the suggestions I had such as sending a notarized statement, or a zoom call with me holding up my passport, drivers licence, verifying PII, etc. I am XXXX, and had reconstructive XXXX. I am immobile. I can not hop in a car XXXX XXXX to another state so that I can show them my DL in person, just to update a phone number so that I XXXX access my account. I requested their policy, and was refused. I requested the law, the reason, etc and was simply told " We cant do it '' so as a XXXX person, I made a reasonable accomodation request that they make an adjustment to their policy about proving identity in person and allowing a different verification method since I am immobile. They refused. The IRS does it, XXXX does it. I think they could also verify via zoom or a notarized document. It is considered discrimination against a XXXX when you do not make an adjustment to policy that would not adversly effect their institution. Furthermore, they cry security risk yet allow scammers from XXXX to continue to steal my money every month, so how does that compute? 
XXXX Key Bank call center XXXX XXXX and XXXX. Call # XXXX
Consumer complaint received 2022-12-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$47000.00} ), XXXX XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$47000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.