davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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)

Upon my review of my consumer reports it has come to my attention that XXXX is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- 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.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, TransUnion, XXXX, XXXX  ) I am exercising my right to opt out of having my information reported pursuant XXXX XXXX XXXX Due to this inaccurate information on my credit report this has caused me XXXX XXXX XXXX and denigration to my character. XXXXXXXX XXXX XXXX have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately 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 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Morgan & Associates, P.C. (MO)

I had an account with The XXXX XXXX in the past. I XXXX XXXX XXXX and one was being renovated. I was purchasing supplies from various Retailers. XXXX XXXX, XXXX, XXXX, etc were all places we used to get our building materials. It was common for me to be working at one of my other XXXXXXXX XXXX while the construction was being done at a location across town. I had several workers and contractors involved in the project and they would often call and tell me they needed wood, plumbing, electrical. roofing supplies etc to do whatever it was they were working on. If I was not on-site, they would usually drive to wherever I was working, and get my credit card for whatever store they were going to. I had all the accounts for every Big Box Retailer in my town. 

I was always good about watching the spending and had budgeted for all my repairs. When that particular project was done, the account statements started reflecting charges that I did not authorize or receive the materials from the purchases made. 

There were three to four different people that I was able to remember giving the XXXX XXXX XXXX to get supplies. Someone used my account to purchase supplies, tools, goods etc that I did not authorize, or give permission to use my account for. I filed an identity theft complaint with the FTC, A police report, etc. XXXXXXXX XXXX  responded that " Charges were mine. '' and turned the account over to Morgan & Associates, who is now contacting me through the mail and phone trying to collect on the fraudulent charges.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (WA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX has reported to XXXX  on XX/XX/XXXX that " my '' account was Over or At Limit. I received this notice on XX/XX/XXXX. XXXX XXXX XXXXXXXX and charged-off this account several years ago. This lender has already received tax write-off losses, and XXXX has XXXX bankruptcy on their own creditors. Yet, I am put under emotional and physical duress by XXXX sending me non-stop alerts from XXXX XXXX stating that I am at or Above " MY '' credit limit. I have spoken with via phone with XXXX Bank collections department AND XXXX, and I am told they can report this information as " accurate. '' I am stating unequivocally that this practice is in violation of the Fair Credit Reporting Act. 

The inactions of XXXX Bank in no way reflect the true status of this account. When I recently contacted XXXX XXXX their XXXX stated the reporting would be removed in XXXX of XXXX. However, they continue to report a CLOSED ACCOUNT AS OPEN.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TN)

Hello- I just sold a property that was serviced by Caliber Home loans. When I got the payoff quote, I believe I was incorrectly charged. I signed up for a 6 month deferrment during the pandemic and i was told the mortgage was put on pause. I was insured by an advisor at the company the 6 months of payments would be added to the END of the loan. When I got the payoff, they included 6 months of principal + interest. So they collected the amount of {$19000.00} ( early ) and incorrectly. I would appreciate your help in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

on XX/XX/2021, XX/XX/2021,XX/XX/2021,XX/XX/2021 I've disputed inaccurate information and have not got a respond FCRA LAW requires 30 days its been 4 months without any verification, validation or investigation tooken.
Consumer complaint received 2022-02-17
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. (NY)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-22
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act Convergent Account US DEPT ED # 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 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

Convergent XXXXutsourcing INC XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing INC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to repre-sent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arro-gated paperwork intrusion upon the XXXX XXXX. Courts require your contract for ju-risdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-10-16
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: M&T BANK CORPORATION (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I was contacted by someone claiming to be XXXX XXXX and was told that there was a problem with the cashing of my automatic monthly payment. Was told that it could be rectified if I make a faux payment using an account called XXXX and was told it was in my checking account, which led me to believe that it was a Chase approved app and I was told to use this app in order to clear up the problem with XXXX XXXX. Seeing that the app was in Payments and Transfers within my account, I believed I could trust using it. The person who was helping me thru the steps required, who was later found to be a scammer, had me enter an amount of {$670.00} which was only supposed to be a faux entry that would allow XXXX XXXX to straighten out my supposed problem. At first I was hesitant to do it, but the realized it was safely set up in my Chase account which was highlighted by the call from the scammer. I went through the process only because the app was in a Chase protected account, which then turned out to not be true. 
The {$670.00} was transferred to an account called XXXX which was a scam account. 
Chase claims no responsibility and refused to return my {$670.00}, even though I explained that the only reason the phony charge went through was because I believed that Chase was totally involved. Had I never had this app from XXXX in my account, I would never have paid out the {$670.00}. I never gave authorization for Chase to place the XXXX XXXX in my account structure but they did it without my permission or knowledge. After all this occurred I wanted to delete the XXXX app and Chase did it.
Consumer complaint received 2023-08-14
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)

This is my fourth 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-22
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. (NY)

I sent a notice to transUnion and XXXX to tell them that the reports on my credit account so not me. Their is fraudulent activity on my account. My name spelled wrong, my addresses, their are inquirys on that account that doesnt not belong to me. S
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NY)

( ONEMAIN ) at ( XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX  ) has been sending me collection notices in the amount of ( {$0.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (GA)

In response to complaint number XXXX XXXX XXXX XXXX has taken longer than 30 days to investigate this dispute. The dispute was sent XX/XX/2022 and XXXX XXXX XXXX has been in response since XX/XX/2022. I have given them too much time to respond as it has been well over 30 days with no response. Under the rules of the FCRA this account should be deleted from my consumer report since the investigation was not completed in 30 days. I have attached a screen shot as evidence and proof of the date of dispute and lack of response for your reference.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.

Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2021-06-14
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: AMERICAN EXPRESS COMPANY (NV)

I purchased product from a handbag merchant called XXXX and used my American Express Card going through XXXX for {$180.00}. I never received my purchase. I filed a dispute with American Express, they withheld payment. The merchant finally mailed my product so I closed the dispute and American Express advised they would chargeback. I contacted XXXX who adv they are waiting for the chargeback information from American Express. When I contact American Express they advised they have completed the chargeback, but the many XXXX Representatives I have spoken with advised there is no communication from American Express. I have placed numerous calls to American Express and XXXX, but continue to get the runaround. I wound up paying XXXX {$180.00}, since I did receive the product. I need the XXXXAmex to be rectified so XXXX can credit the original charge. This has been going on for over a month.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (NC)

I have a new collection on my report. I have never heard of this collection agency trying to contact me about this issue. All medical bills were paid with XXXX. I have asked them to remove this and validate this. I have heard nothing from them.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (MI)

According to THE FCRA I did not give NATIONAL CREDIT SYSTEM ( XXXX XXXX XXXX ) and ( XXXX XXXX ) any permission to furnish any information I did not give written consent or verbal consent, that is a clear violation of 15 u.s code 1681b please remove from my credit report immediately!!