davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

IN XX/XX/2021 MY CREDIT AND BANK ACCOUNT WAS COMPRIMISED A NEW ACCOUNT AND CHARGES WHERE MADE FROM MY CHECKING ACCOUNT WITH CHASE BANK AND A NEW BANK ACCOUNT WAS OPENED WHEN I FOUND OUT I CLOSED THE ACCOUNT AND NOTIFIED ALL ENITIES I HAD DEALINGS WITH
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STATE EMPLOYEES CREDIT UNION (NC)

I put the wrong account number for my first 2 stimulus payments which was 2 years ago. The IRS keeps saying the XXXX has it and has sent me paperwork saying as much stating it was deposited {$600.00} on XX/XX/2020 and {$1200.00} on XX/XX/2020 and they say they dont that the irs has it. I dont feel like the XXXX is trying hard enough to find my money and get it to where it needs to go. Ive been through the refund trace process with the irs and everything and still no luck.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, TransUnion has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, TransUnion must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate an immediate response.
Consumer complaint received 2022-04-19
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. (MS)

In accordance with the Fair credit reporting act Personify # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I Have a right to privacy. 

15 U.S.C 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

Good afternoon! 

I purchased XXXX XXXX in XXXX. I was young and bought the the car with no paystubs or anything. Dealership falsified documents to be approved with Santandor. Santandor has XXXX dollar lawsuit that I qualified for but the car was totaled and therefore forfeits the lawsuit. 

The car was at 16 % interest rate. The car was totaled in XXXX and was paid by my car insurance and the remaining amount was paid by XXXX insurance. 

Santandar is still reporting a remaining amount due which is completely false. I have tried everything to get this resolved and taken off my credit report XXXX and XXXX.
Consumer complaint received 2023-10-20
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. (IL)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Bankruptcy XXXX XXXXdischarged Reference XXXX  : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (NJ)

What happens was that we used to had this Gas Utility service, on begging of 2020 I lost my job because of Covid 19 issues, i count made any payment from any utility plus i didnt payed the rent, so I had to leaved the house, I do have XXXX kids and a wife that I need to support, is been hard times for me and my family, I didnt know I had to pay this because I left the house on XX/XX/2020 so some other people may used the service and didnt pay anything or the owner of the house, however because of the covid 19 is the principal reason I had to not made this payment before plus the time dont match for whit the time we had leaving there, honestly I didnt know about the this collection and I do apologize for any inconvenience or payment i didnt made
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2022-04-19
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 Accounts listed below, 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 All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this. 

Account with incorrect information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account paid and payment history is expectational XXXX XXXXXXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX
Consumer complaint received 2022-04-19
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. (FL)

In accordance with the Fair Credit Reporting act Accounts listed below, 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 All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this. 

Account with incorrect information : XXXX XXXXr XXXX XXXX XXXXr XXXXXXXX XXXX  XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account paid and payment history is expectational XXXX XXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2022-04-19
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)

MY IDENTITY WAS STOLEN and I submitted several complaints to the CFPB on behalf of Equifax. I mailed in my FTC reports that included fraudulent accounts. Equifax is still reporting the fraudulent accounts and I need them removed immediately because it is hurting my chances on getting a home and this is all because of accounts that do not belong to me. I never had any contracts with the Department of Education. I submitted the FTC reports to Equifax several times and they are failing to comply and remove the fraudulent accounts. I submitted two FTC reports and they only processed one report. I called in and was told to send in the other report by a representative. I mailed the documents in and the tracking number is XXXX via certified mail with the XXXX. The document arrived on XX/XX/2022 and Equifax has 4 days to block and remove the fraudulent accounts and they haven't yet. Please remove these accounts immediately
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We sold our home on Friday XX/XX/2022. A wire was sent from XXXX Bank at XXXX CT. It is now XXXX on Tuesday XX/XX/2022 and Bank of America refuses to release the funds to our account. This is for a home sold in XXXX Tx to by US citizens to US citizens using 2 US banks to transfer money. This should be an easy process but Bank of American is holding our money saying it is in " Mandatory Regulatory Review ''. They will not give us the reason for this review process or when we can expect to see the proceeds from the sale of our home to be deposited in our account. This is a significant amount of money {$530000.00}. Their refusal to give us our money is soon going to cause my family serious financial hardship. There is nothing unusual about selling or buying a house. We need our money.
Consumer complaint received 2022-04-19
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: Grain Technology, Inc. (TX)

XXXX XXXX Please review the complaints I filed regarding Grain. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, Grain advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - Grain allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit.

Since Grain has failed to respond to me Im not sure what is going on
Consumer complaint received 2022-04-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/XXXX I signed up for online access to a food recipe blog site. I did not receive any information from the site alerting me that the subscription would be automatically renewed. In XX/XX/XXXX, I received a new XXXX charge to my Bank of America credit card from the site. I went to the website looking for contact information and found a way to submit a message via an online form and through an email address. I used the online form and didn't hear back, so I contacted Bank of America to dispute the charge. BoA reversed the charge while they contacted the site owners. On XX/XX/XXXX, I received a text message from BoA to review the resolution in the online banking Message Center. What I found was that BoA reinstated the charge and provided the response from the XXXX site. The response from the site stated the customers are charged at checkout, but I checked out a year earlier. They also provided a log that showed an IP address opened emails from them and the BoA representative said that was proof enough that I owed the amount charged. The log did not contain dates for these actions or any information to indicate the IP address is mine. Also there was nothing indicating that I agreed to an auto renewal. The log did show an unsubscribe entry which, if that is my XXXX address, was probably when I tried to unsubscribe to their email using a link at the bottom of the emails. I am still receiving emails from the site and have no way to stop them. 
When I called Bank of America regarding the letter the person, I spoke with repeatedly told me that it was up to me to prove that I didn't agree to auto renewal not the merchant initiating the charge and that the log was proof enough that I owed the charge. The response was absurd and he would not put me in touch with anyone higher up to discuss the issue because they were too busy. He refused to give me his last name and then took my phone number to have someone return my call, but they have not. I asked the rep if the calls are recorded and said yes, so they can listen to the call if they want. I have attached files related to this matter. 
This is small money, but I can not be the only person that this type of thing is happening to. What if I pay the bill and this is charged again next year? Why should I have to initiate a lawsuit against the merchant to resolve this? Some people would not be able to do that, there needs to be broader consumer protection. Based on the information provided, I don't know how BoA can say they completed an investigation. The Credit card issuers should have to provide a better level of protection for their customers.
Consumer complaint received 2022-04-20
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. (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 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 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.