davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (NC)

I have had multiple hard inquiries on my credit reports. These are banks that I never heard of. Some are as far as XXXX XXXX XXXX and I live in XXXX XXXX. One in paticular is XXXX XXXX XXXX XXXX. I have contacted them multiple times. 
I am attaching a list of these companies. They keep hard inquiries on my credit report without any authorization from me.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was informed by a few companies that my account was denied due to information listed on Equifax, XXXX XXXX XXXX. Equifax, XXXX XXXX XXXX are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - Equifax, XXXX XXXX XXXX is not correct in what they are doing.
Consumer complaint received 2022-03-23
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. (NY)

n accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX account # XXXX 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 this is stopping me from getting an apartment, job an continuing my life
Consumer complaint received 2022-03-23
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. (NY)

n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX account # XXXX 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 this is stopping me from getting an apartment, job an continuing my life
Consumer complaint received 2022-03-23
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2022-10-27
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-03-23
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. (CA)

COMPANY ( XXXX XXXX  XXXX XXXX XXXX XXXX ) -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX  ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (TX)

I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Duncan Solutions, lnc. (TX)

I keep receiving messages from ( XXXX ) XXXX like the following : MSG on behalf of XXXX Texas XXXX XXXX ; MSGs may be monitored/recorded. For details tap XXXX XXXX XXXX # XXXX to receive balance info, reply YES. To OptOut reply STOP I never gave them permission to send me text messages.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I reported the card stolen and disputed each transaction and the reversed the credit and wont let me dispite anything. In the amount of XXXX and XXXX. Then begining on XXXX XX/XX/XXXX i began reciving errors and triple charges on every transaction and they dont allow to disp dispute online and I do not have the time 2 wait on hold and deal with customer service on the phone 4 hours a day for me how to dispute every single transaction as they go along day by day they violated my trust and I don't want to use them anymore now my they drained my account with these errors and have a negative balance of {$540.00} already now the {$440.00} from XXXX was a stolen car someone stole the rental and they reverse that credit to I don't want to deal with them anymore I don't want to use that their bank account anymore I don't trust them now I have a negative balance that has repercussions going to my credit and check systems Etc which is erroneous and violation of the laws a protections that we have I guess this type of behavior which is predatory it seems like every night something else is going on on my account and if I don't check it every single day I won't catch it is Bank of America that I'm talking about
Consumer complaint received 2020-02-07
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. (KY)

I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXXXXXX XXXX with transunion XXXX XXXX XXXX i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and XXXX  I also tried to call in to get security freeze removed again and was unable to do so.
Consumer complaint received 2022-03-23
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 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 XXXX has me at a score around XXXX. 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 n 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.
Consumer complaint received 2022-05-16
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. (TX)

I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-27
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. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-03-23
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. (TX)

I submitted a dispute with Experian because the addresses is listed on my credit report are not currently my addresses or addresses that I have not resided. I informed Experian that on XXXX of my consumer reports I found an account do not belong to me. I asked experience to remove the addresses from my credit report because these addresses could allow someone to get a hold of my personal information and use it fraudulently. 

Experian won't remove the addresses because they say I have multiple accounts linked to those addresses but If any of the creditor on my credit report wants to contact me. They should be able to review my credit report and find an valid address and be contact me there.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

XXXX XXXX XXXX took over our home loan around XXXX and before we had no trouble with any payments or any issues with the previous mortgage company XXXX XXXX. Ocwen is now stating that we are up to 6 months behind in our home mortgage payment and will not take any of our payments as we have sent over 4 payments to them. They have sent every cashier 's check for the amounts of {$1000.00} in XX/XX/XXXX, XX/XX/XXXX for {$1000.00} back to us and have stated to not to send any more payments to us. We have called them and asked how to resolve this matter and they stated we had to send {$5900.00} and it would up to date.We spoke with them on XX/XX/XXXX and they stated they could not help us unless we payed the amount in full or we would be foreclosed on.l Our house has been listed on the internet without our knowledge for foreclosure but now has been taken down. We have a XXXX XXXX XXXX total XXXX great grandson who we have raised since birth and have lived in this house XX/XX/XXXX. He has XXXX, XXXX XXXX, He can not walk and is confined to wheelchair but he talks in his own way. We have to feed him, he is total care. We have told Ocwen this over and over and they do not care and will not work with us even when he stands to loose his own home that he has only known.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BOK FINANCIAL CORP (OK)

I started using another account because I was not happy with Bank of Oklahoma, and I thought I weaned all my automatic / pre authorized withdraws away from that account, but apparently I missed 2, a cell phone bill ( XXXX XXXX  ) and radio ( XXXX XXXX ). these two amounts came to less than {$70.00} usd. I was not monitoring my account because I thought I had removed everything ( both accounts were not billed for several months so I did not realize they were going to come through ). These caused me to Overdraws, but I was NOT contacted by the bank, either by mail, email or phone. I did just happen to check my account like a month later and immediately emailed and explained the situation, but the person only refunded a small amount. I received a letter ( the first ) about a week ago, telling me my account was " written off ''. and reported to credit reporting agency. I then received a call and email from XXXX XXXX, " Account resolutions specialist '' about this amount, I responded via email so there would be written record, and explained that it was unfortunate that the only contact that I receive is after my account is closed and written off. Over the less than {$70.00} OD 's from auto withdraws I was unaware of, they say I owe over {$300.00}, but are willing to " discount '' 30 something percent. They are saying ( XXXX ) that I owe almost {$200.00}, and that I have been reported to XXXX. this is not right and unfair!
Consumer complaint received 2020-02-07
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. (KY)

I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX with XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX  with equifax and XXXX  I also tried to call in to get security freeze removed again and was unable to do so.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX after reviewing my credit report I noticed that there are several inquires that do n't belong to me.
XX/XX/XXXX I called Transunion asked to speak with a US representative and requested that they remove several of the incorrect inquiries. Several different reps ( as I called various times ) advised me to contact the credit company itself to have the inquiry removed ( since they stated they could not do it ). I spoke with a rep from XXXX XXXX at XXXX and she advised me to contact XXXX XXXX XXXX directly at XXXX the rep there advised me that they have no record of me applying for credit and that I need to contact Transunion with this information. I called Transunion to advise of the XXXX findings and they still refuse to remove the inquiry from XX/XX/XXXX ( there is one that they sent to XXXX XX/XX/XXXX) because its over 6 months old. The Transunion rep stated that I should contact CFPB and issue complaint against XXXX  but my issue is with Transunion not removing the inquiry from their report.
Consumer complaint received 2022-03-23
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: ENCORE CAPITAL GROUP INC. (GA)

I am writing this because XXXX and XXXX Pursant 15usc 1681XXXX ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and Midland Funding of {$460.00} to my file. Futhermore, I sent the debt collector ( Midland Funding LLC ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and XXXX in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and XXXX failure to properly investigate.
Consumer complaint received 2020-02-07
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: Experian Information Solutions Inc. (FL)

I received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017XXXX Department Stores XXXX XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX XXXX   XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with experian XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX  ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )
Consumer complaint received 2017-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. BOA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.