davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting 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)

Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate. 

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.
Consumer complaint received 2021-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2019-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A second foreclosure was initiated XX/XX/2019 by XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF XXXX , XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, XXXX XXXX for {$290000.00} plus interest and other expenses. 
This party is not the lender who initiated my loan. I never made payments to it. I have tried to get information showing that it purchased the note and mortgage for money or showing how it obtained a right to foreclose and I have received no response. 
I am aware that the loan was securitized, but the information I have in that regard does not show this party as the owner in the market.
Consumer complaint received 2022-07-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX and XXXX XXXX XX/XX/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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to formally complain about TransUnion, XXXX, and XXXX 's repeated failure to process multiple mail-in disputes I have submitted since XX/XX/year>. Despite providing all necessary identification and documentation, TransUnion has consistently cited verification issues without specifying any additional documents required to complete the verification process. 

Background : Dispute Submissions : Beginning in XX/XX/year>, I have mailed several dispute letters to TransUnion, XXXX, and XXXX in 40-day increments, each accompanied by copies of my government-issued identification, Social S

ecurity card, and proof of address. Credit Bureau Response : In each instance, the cred
it bureaus responded by stating that they could not process my disputes due to verification issues. However, they have not requested any specific additional documents or provided guidance on how to resolve these purported verification problems. 

Applicable Fair Credit Reporting Act ( FCRA ) Violations : These automated responses appear to violate several provisions of the FCRA, including but not limited to the following : Failure to Conduct a Reasonable Reinvestigation ( 611 ( a ) ( 1 ) ( A ) ) : The FCRA mandates that upon receiving a dispute from a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. TransUnion, XXXX, and XXXX 's refusal to process my disputes without adequate explanation or guidance fails to meet this obligation. 
XXXX XXXX XXXX XXXX to Provide Notice of Dispute to Furnishers ( 611 ( a ) ( 2 ) ) : The FCRA requires that a credit reporting agency notify the furnisher of the disputed information within five business days of receiving the dispute. By not processing my disputes, TransUnion, XXXX, and XXXX have neglected this duty. 
XXXX XXXX XXXX XXXX to Review and Consider All Relevant Information ( 611 ( a ) ( 4 ) ) : The FCRA obligates credit reporting agencies to review and consider all relevant information provided by the consumer in the dispute process. Despite the comprehensive documentation provided, TransUnion, XXXX, and XXXX 's blanket refusal to process my disputes indicates a failure to comply with this requirement. 
XXXX XXXX XXXX Request for Assistance : I respectfully request that the Consumer Financial Protection Bureau investigate the handling of my disputes and take appropriate action to ensure compliance with the FCRA. Additionally, I seek guidance on how to proceed with my disputes to ensure they are processed in a timely and fair manner. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I walked into a XXXX XXXX to make a large payment {$2500.00}. Before I went there I called Capital One and they said I could make a large payment at the store. I went to desk and made payment, or so I thought. I then received my statement and it indicated that the payment was not processed correctly by the employee correctly at the store. I immediately called the Capital one and spoke with a supervisor. The first supervisor told me that the account had accrued {$70.00} in interest, I was told that if I made a payment by the next due date then the XXXX dollars would come off, so I did a complete balance transfer. Additional charges were made to card, so I called to make another payment and to see if the XXXX dollars had been removed. I spoke with a second supervisor I was told that there was not XXXX dollars in interest and that the first supervisor had suspended the interest so I would not have to pay interest until a payment was made. I argued that the first supervisor had stated there was 70 dollars but the 2nd supervisor stated there was not interest because it had been suspended, I didn't agree but I paid the balance. In the meantime I had dropped a class from a local college I was told by the school that the money would go back into the Capital one card, so I called today to see if the money had been returned. The automated service said that there was a finance charge of XXXX dollars, so I spoke with a third supervisor he stated that it was interest from the account that had collected and that it was being assessed to my account. When I asked if he could listen to the previous record of my phone calls he said he would not going to do that, I asked multiple times for someone to dispute these charges he said he was the only person I could dispute charges with. Multiple mistakes have been made and it seems the only person paying for them is me, first my payment was not processed properly and intrested accrued. I was then given the wrong information not once but twice by two different supervisors, I was then again assessed interest which I was told had been suspended but had not been. I also find it very convenient that the day I clear the account more money is charged not two days later on an account that should of had a zero balance.
Consumer complaint received 2022-07-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In accordance with the Fair Credit Reporting act 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 2022-07-28
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)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PORTFOLIO RC Account NumberXXXX
Consumer complaint received 2019-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CT)

On XX/XX/19 I called the bank about its XX/XX/19 Annual Escrow Statement which included a Review the Escrow Account History ( XXXX ) detailing 10 ( not 12 ) months of activity, missing XXXX. With 12 months there would be an escrow excess over the required {$1800.00}. In its Review the Upcoming Escrow Account Activity ( XXXX, it lists a XX/XX/19 {$2100.00} tax payment for the second half when it had a bill which required a XX/XX/19 {$2000.00} tax payment for the first half.
Consumer complaint received 2022-07-28
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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 2022-07-28
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 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-04
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: Navient Solutions, LLC. (CO)

I took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( XXXX XXXX ) Dollars. This loan has since ended up with Navient. I contacted XXXX XXXX and was told that they submitted a much smaller number to Navient nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( XXXX XXXX XXXX XXXX Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at Navient have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( XXXX XXXX XXXX ). after beginning my dispute process. XXXX  explained that they use the E-Oscar electronic system to verify my information. I explained to Navient that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in XXXX and had relocated to XXXX, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX XXXX stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by XXXX  that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.
Consumer complaint received 2022-07-28
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: ENCORE CAPITAL GROUP INC. (FL)

Asset acceptance LLC has sent a continuing writ to garnish my wages and stated that it is for a XXXX XXXX credit card. I have never had a credit card and they said the card was open like XXXX and writ to garnish is from XXXX. I never got anything from these people until now at my job. Someone is using my information! I refuse to pay money for something that I did not do. Asset LLC is no help at all of course just kept stating that garnish will continue and its up to me to prove this is not my debt from 12 years or more! I pay all the bills in my home and cant afford my money be taken and pay for lawyers. They said the original amount is over XXXX $ but now over XXXX $ is owed and dont. Have contact number for XXXX  XXXX either to dispute this. Case XXXX. I need these people stopped and the one using my information. I did put in a police report years ago around that time when mi drive license was stolen and back then my ss # was displayed on it. Im at my wits end.
Consumer complaint received 2021-08-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NJ)

I XXXX XXXX entered into a consumer credit transaction with Chase Auto Finance XXXX on XX/XX/. A consumer credit transaction in which a Finance Charge was involved. 15 USC 1605 defines the Finance Charge as the sum of all charges in a consumer credit transaction. The Finance Charge does not include cash, but Chase Auto Finance Corp took cash. the Finance Charge is suppose to include insurance, but Chase Auto Finance Corp made me purchase insurance separately. Chase Auto Finance Corp knowingly broke three Federal Protected Consumer Rights Laws Under 15 USC 1601 and is Liable and Civilally responsible
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Mobile deposit and withdrawal on accounts from us department of treasury spelling wrong of my name. Bank accepted them Calle me a liar didnt sleep for month on medication XXXX 3 times
Consumer complaint received 2019-09-15
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. (MN)

I checked my XXXX XXXX account and it states that on XX/XX/2019 a XXXX XXXX XXXX XXXX card had tried to be opened and a hard inquiry is on my account. I called XXXX  and they told me I had to contact transunion because they couldnt help me. The rep did not even try to listen to me when I told him my identity had been stolen and I already have a fraud police report opened and this was not me. So I need the hard inquiry removed.