davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 




I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

In reviewing my LexisNexis consumer report, I noticed very old information about apartments I've lived at, old addresses from when I was a child, old homes I no longer own and haven't lived at in decades, and I was unable to get any assistance from their representative in getting these items removed. If my credit report can not contain data from before 10 years ago, I don't see why LexisNexis data can contain a lifetime of information about me, especially since some of this is when I was a child and had no consumer data. If they are also bound by the Fair Credit Reporting Act, then I don't understand why old, stale, and inaccurate data can not be removed. 

I ended up freezing my report, which really isn't ideal, but they left me with no choice. The report was 140 pages of data and the majority of it was stale data.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I am registering a new case because my previous case was closed and I still have some follow-up action items for the business against whom I had filed a complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Complaint # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I would like to add the following comments to the case : As per the response from the Chase Bank, they store customer call recordings for 30 days after the telephonic conversation. If I made a stop payment over the phone on XX/XX/XXXX and they processed the stop payment on XX/XX/XXXX, they should have the telephonic recordings with them until XX/XX/XXXX. 

I filed a complaint at the XXXX Chase Branch location on XX/XX/XXXX ( response and claim number attached below ), and on that date the branch confirmed it was an error on their part. 

Given that I had already started to register a complaint when they had the audio recording, they should have saved the audio recording but unfortunately, they let time pass by and now they dont have the recording anymore. 

I did mention my Full Name, Debit Card Number, Birth Date for verification on the phone, also verified the amount and who the Check # XXXX was addressed to. I did also mention which account the check should be issued from. 

This is a clear mistake on Chase Bank 's part but they refuse to acknowledge. I am disappointed in the way they operate and do business. 

Below is a Notice from Chase Bank that I received for a complaint filed on XX/XX/2019 from a Chase Bank branch location ( XXXX, WA ) before I filed another one from XXXX on XX/XX/XXXX. Their response clearly states it was a mistake on their part. Yet, I have not received my money back. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of Inquiry : XX/XX/2019 Claim Number : XXXX Card ending in : Account ending in : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX XXXX, Thank you for contacting us about the transaction ( s ) on your account. We researched the transaction ( s ) you reported and agree they were incorrect. We approved your claim and it is now closed. The temporary credit ( s ) we placed on your account is now permanent and includes any applicable fees and interest. 

If you have questions, please call us at XXXX XXXX. We're available anytime. Sincerely, Customer Claims Department Enclosure
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, and XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

My family and I were and have been deeply effected by XXXX as many have. I lost my job immediately in XXXX of XXXX and did get another till just this past XX/XX/XXXX. The lender was helpful in beginning and able to put payments at end. I was in contact multiple times of my situation. Then fell so behind this past XXXX into XXXX. They said no more XXXX help even though many of deeply impacted and still feeling effects. I cant loose my car, or I cant work. I am trying to catch up as I resumed work and prayed and begged for help. I would with everything going on they would help see by payment while XXXX was large a few small that was trying. I had fallen almost XXXX behind because of XXXX out of work. Every other bill from utility to mortgage has been forgiven and worked with us. If they would help with the amount of XXXX I fell behind on and move to end so I could get caught up and back on track now that I am working that would beyond a blessing but instead lets kick us while we are down threaten to take car and now I go to make a regular payment for XXXX only to find out they charge off account. I need my car and I cant just go get another. I am desperately trying and have been in contact countless times about this. XXXX is not made up and many of lost work and regular wages and while for many life resumed to normal it not for all. Everyone circumstances are different every one has struggled and I just think in a time where this deeply effected us and still has an impact and we are trying to come out the other side and survive this they should be willing to help more or make the situation worse and more stressful for those of us trying so hard to come back from something we never planned for and that was complete out of our control. My hope is this will urge then to help more and not charge off my account but work on my balance I fell behind on so that now that I am working I can make my regular payment. Very hard to do so when you cant pay the XXXX in XXXX lump. I just pray they will help.
Consumer complaint received 2018-09-20
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. (NJ)

Inquires provided below are all unauthorized and are the result of identity theft XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 TXXXX XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I noticed there is a hard inquiry on my XXXX credit report from COMENITYCAPITAL/XXXX on XX/XX/2023 that I did not recognize. I have never applied for anything at Comenity capital nor authorized them to access my credit file. I called Comenity capital. According to them, they could not find anything related to my SSN in their system and asked me to dispute it with XXXX. 

I submitted a dispute to XXXX, but they got back to me saying the inquiry is factual and can not be removed. 

Even though Comenity bank claimed that they do not have any application or account under my SSN, XXXX insisted that after investigation they believe it is legitimate inquiry.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (WV)

The XXXX  direct deposited our stimulus  check into a Wells Fargo account that we've never had ... when I call Wells Fargo and give them the account information they say they've never had an account like that ... .I have put in and waited on XXXX tracers ... still haven't got any answer and no money ... it was mine and my husband 's -- XXXX XXXX XXXX XXXX XXXX XXXX it was a XXXX check ... I have the account information that the XXXX give me and it's an account with Wells Fargo and herei Is the account and routing number they supposbky deposited into ... XXXX ( routing number ) XXXX..also Wells Fargo says they don't have account numbers that long ... when I liked this up online it said it was a wire transfer??? IDK but we have not received and we've tried for a year to get our money and I don't know what to... .please help me... .my Gmail is XXXX and phone number isXXXX.thank you so much
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (WA)

I'm victim of Identity Theft, and I've asked XXXX, XXXX and TransUnion to freeze my account from XXXX XXXX XXXX which they have not all done. I've provided all three documentation pertaining to this and they refuse to take any action. I can not do this on my own and I need help urgently!!!
Consumer complaint received 2024-02-29
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Im accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

U.SDepartment of education XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2020-05-29
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/2019 Synchrony reported to XXXX  that it had closed my amazon store card, I called on XX/XX/2019 to inquire why and the customer service representative informed me that it was because I had two returned payments, one for {$3.00} and one for {$5.00}. I informed her that the payment was returned because the bank account I used had changed my account and routing number, I also informed her that in the over 2 years that I have had the Amazon Store Card that I have NEVER missed a payment, and my account was still in good standing and even though though payments bounced back I still made {$40.00} in 2 separate payments to my account within 9 days and BEFORE my statement date ended and I had also met my minimum monthly payment LONG BEFORE the due date.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

refL Select Portfolio Servicing Acct : XXXX My mortgage had been transferred 3 times from country wide to XXXX XXXX XXXX, to XXXX and now select portfolio servicing since my acct had been transferred the loan amount had been increased drastically now the new servicing is collecting a advance fee for {$2300.00} plus interest a fee that had not clue I owed ; according to to SPS stated that I owed this fees since XX/XX/XXXX ; I had explained that never received any loan advance to maintained the property why I had been added an additional fee that never heard about ; I tried to resolved this issue unsuccessful now I owed more that my total amount I borrow in XX/XX/XXXX for {$270000.00} first mortgage. Please help .. I had been straggling for each lender since then with not luck but more in debt.
Consumer complaint received 2018-04-10
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. (CA)

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XX/XX/XXXX, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX ac # XXXX please delete this accounts fraudulent charges.
Consumer complaint received 2023-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I fought with wells fargo to allow me to do a loan modification which I qualified for for 11 years after becomimg a widow. Due to their shady prcticas and scams, I lost the home my husband and i worked so hard for. I now live on a couch at my daughters home. I lost so much because of them and I believe I am entitled to compensacin.