davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (OR)

In accordance with the Fair Credit Reporting act 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 2022-04-15
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: Bread Financial Holdings, Inc. (NM)

On XX/XX/2020 I established a store credit card with Comenity /NY & CO.  Amidst the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as XXXX XXXX XXXX an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America XXXX After realizing that I had gone severely XXXX, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Improperly shared information with a third party about my medical/dental debt and services. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. XXXX Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of XXXX, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- 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 ; 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 a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that 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 a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

REMOVE ACCOUNTS IN HIPAA VIOLATION : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4700.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (MI)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$45000.00} XX/XX/XXXX SXXXX XXXX XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

Affirm says that I had a loan through them for an item purchased using my identity thus they deem it true and verifiedthe purchase was paid off by whomever used my info but thats not the point it wasnt me! 
And XXXX did a credit authorization on me without my consent resulting in a hard inquiry to my credit report and since my information that was used was correct they deem it true and verified even though this was also not my consent nor did I authorize them or any agency to run my credit for anything
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

After I cancelled the bi-weekly withdrawal request in XXXX, the extra payment of {$600.00} was still withdrawn in XXXX. The following is a timeline of events. 

Cancelled the bi-weekly request in the beginning of XXXX through Customer Service by voice and through email request. Customer Service Representative confirmed she cancelled the request Called customer Service to verify payment in the middle of XXXX. The Customer Service Representative again verified the cancellation. Your website verified the monthly payment was due on XX/XX/XXXX and not on XX/XX/XXXX as with the bi-weekly payment. 
On XX/XX/XXXX, you withdrew the bi-weekly payment. I called Customer Service to resolve this matter and found that it was cancelled in the system, but it appeared it was reinstated. The Customer Service Representative stated that I would probably get payment back in three days. 
On XX/XX/XXXX, I again called Customer Service to ask about the status. I was told the bi-weekly payment was cancelled, but not the scheduled payment for the original request. This representative also stated it could take up to 10 days for reimbursement. 

It is now four days past the initial request for reimbursement, and I have not received the reimbursement. Since this was your error, the money should have been returned immediately. I have incurred a fee because the money was withdrawn without authorization. Its not acceptable to say that I can expect reimbursement 7-10 days when this was their error.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MO)

At XXXX on XX/XX/24 I called what I believed to be my bank about a withdrawal I was planning to make, as it was large and I didnt want my account to be flagged to shut down. I was asked multiple questions to verify it was my account which I answered, my call was disconnected and I thought nothing of it, I had the answers I needed. I received 5 calls from this number and did not answer them. I then got a text message from chime saying my account was locked due to suspicious activity. I called the number back, and was told I needed to go through the verification process once again and move {$2500.00} into a separate account to hold it for the process of unlocking my account. I was told it wouldnt go through as my account was locked and it was just part of the process and I believed it as the number they called from was the number I call for my bank all the time. {$2500.00} was moved into a different chime account without my authorization and I spent 2 and a half hours on the phone trying to get it back. Chime told me they dont know how the scammers were able to get their phone number. Chime has told me they can see the money in the other account and that an internal investigation is being conducted however I feel like no one is taking this seriously and I feel like Im not being helped. 
Attached are the call logs as well as text messages from the scammers and the wire transfer that was made without my consent
Consumer complaint received 2022-04-15
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. (AZ)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX  # XXXX, has XXXX 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 2022-04-15
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. (AZ)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX Account # 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 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (SC)

On XX/XX/24 I was in the process of booking XXXX flights on XXXX XXXX. 

Citi advertises on the XXXX XXXX site a partnered credit card a Citi Advantage card which offers a {$400.00} statement credit when used, reducing the cost of the flight to be booked. 

I applied through the link accessible on the XXXX XXXX site, through the booking process. 

The application was approved. I was offered a credit line of {$24000.00}. I was asked to set up a user name and password for online access. I did so and a username and PW was created. The final step was to click to obtain account details such that I could use the card to book the flights and access 10 % of the credit promised. 

The site failed to proceed or do so. I can not access the account via Citi 's website with the credentials that were set up. I can not access the card information via phone nor via chat. 

My credit was pulled as I received numerous alerts of same. 

So, I am now : Without the credit line I was promised. 
Missing the {$400.00} reduction in the cost of the tickets ( {$1700.00} ) I would be entitled to had the credit card proceeded as promised. 
Missing the " points '' or miles which would be awarded for a {$1700.00} purchase. 
Missing the opportunity for the qualifying purchase for any card bonus ( I.e. minimum spending to obtain the bonus by way of missing out on the {$1700.00} purchase. ) Citi is unable to do anything and can not even expedite a physical card. They similarly can not provide access to my account online nor via phone. 

If I delay purchasing the ticket, I risk the ticket price increasing further, further increasing the damage I am suffering due to Citi 's failure to operate properly.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
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. (CO)

To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.
Consumer complaint received 2022-04-15
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. (TX)

In accordance with the Fair Credit Reporting act Acs XXXX XXXX XXXX account and XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 XXXX U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NJ)

On XXXX XXXX, XXXX I leased a new XXXX XXXX XXXX from the dealer XXXX XXXX XXXX XXXX located at the address XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The lease company is Ally Financial. They said there will be XXXX downpayment, but I made {$3000.00} payment. Overall, I am overpaying for the car. I paid {$3000.00} downpayment plus the first month payment of {$600.00}. And my monthly payments are {$600.00} for 39 months. The dealer quotes the same car for other customers for around $ 400 monthly payments. So they charge me extra {$200.00} per month. I went to the dealer to ask why I am overpaying. Their reply was " you already knew that the payments will be {$600.00} ''. They didnt give a fair explanation why I was overpaying than other customers. I feel like they tricked me and made me pay a lot of money. Plus my credit score is excellent. It is not that I am overpaying because my credit score is bad. Please approach the company for a reasonable answer why I am overpaying for the lease. $ 600 monthly payments with {$3000.00} downpayment is a lot of money. They tricked me.
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (AZ)

Autopay advertises through XXXX XXXX, which targets advertisements based on my credit profile. I have super prime level credit profile. They advertise multiple rates and terms, and tell you your likelihood of success. 

I chose to apply for their XXXX % loan at a XXXX  month term, which they said I had very good approval chances. 

I was subsequently informed I was approved for the loan, only to discover later that the rate was not as advertised XXXX XXXX % on a XXXX  month term. When I asked about the XXXX  % I applied for, the rep, on a recorded line, informed me I cant control what marketing does as if they know they are advertising these low rates but dont have them. So I asked for clarification- did I not qualify for that rate, or does it not exist? She confirmed, they dont have rates that low. The lowest rate they have to offer is the XXXX % for the XXXX  month term. 

She confirmed this in writing via text message. 

So, my chances for approval for the XXXX % on a XXXX  month term was not very good- it was instead non-existent. 

They are STILL marketing the XXXX  % rate on credit karma to me. 

This is extremely deceptive. I want either the rate offered, or the inquiry removed from my credit report as the authorization was obtained under false pretenses. 

How does this get past compliance?!
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act 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 XXXXXXXX # XXXX ) XXXX XXXX XXXX XXXX  # XXXX ) - ( XXXX XXXXy # XXXX ) - ( Regional XXXX XXXX # XXXX ) - ( The 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 an account without without my written instructions.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (LA)

I checked my credit report and noticed a recent credit card opened for US Bank, I have never applied for this card. It dropped my score by XXXX points. I have tried several times to contact US bank and the hold time is over an hour. I need this off my report, and investigated to see whom initiated this fraudulent credit card under my name.
Consumer complaint received 2022-04-15
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (TX)

I'm contacting you today due to my issues happening on my account. Since 2020 when the account was transferred over to you guys I was not paying escrow due to me being XXXX XXXX XXXX XXXX Veteran. The action of adding the escrow caused my mortgage to double because the lender added insurance and taxes that were not supposed to be added due to me having insurance that was in place in time of closing on the home. These actions around XXXX caused my account to become delinquent over 30 days even though I have been paying my mortgage. All my current payments aren't being applied to the account correctly because I'm only paying half the mortgage payment and not the double amount that is incorrect. Me and my wife 's credit also took a huge negative blow and needs to be fixed due to all the issues occurring even though i didn't have an escrow prior to the loan transfer. my account needs to reflect correctly so someone can figure this out.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

I wrote a letter complaining about inaccurate and incomplete credit information in XX/XX/XXXX and I have not received any response until XX/XX/XXXX. I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS/XXXXBANK XXXX