davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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)

I accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions 15USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years
Consumer complaint received 2022-10-26
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. (FL)

XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, Equifax and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX XXXX company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the fair reporting act XXXX account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NJ)

I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2022-04-24
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX ( Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXXXXXX XXXX ( Finance ), has violated my rights. 
XXXX (

Bank ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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. (VA)

In accordance with th

e Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 report agency can not furnish a account without my written instructions. 15 U.S.C 1681c : ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of informationAny other adve
rse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (TX)

This company has not contacted me regarding any debt which violates multiple FDCPA laws. I do not have any contract with this company. Have not done any business with this company. They are trying to use my information to extort me. I have filed a FTC report and I will be pursuing a judgement in federal court. This company is committing fraud. I do not owe them a dime.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was included in that bankruptcy. On XX/XX/year> they debited my account for XXXX. I disputed that charge. My lawyer sent over documentation showing my bankruptcy was filed and that merchant was included. On XX/XX/year> USAA stated that my dispute was being dismissed, and they were reversing the temporary credit issued to my account for XXXX. USAA claims they didn't get that paperwork. sent on XX/XX/year>, ( even though the same paperwork was sent for 2 other disputes of merchants included on the same bankruptcy, that were approved. ) I resent the documents my lawyer sent as well as the cease-and-desist letter that was sent to XXXX. I was advised the claim was being reopened to be processed due to the paperwork I sent over for the bankruptcy. On XX/XX/year> the XXXX credit was reversed, and my account was debited that fee. I have now called 3 different times trying to get this matter resolved because that fee was included in my bankruptcy and the merchant should no longer be charging me and the bank should not be upholding that charge. All I have gotten when I call is passed around from representative to representative. All I am trying to do is get that charge reversed as it was dismissed via federal court in my bankruptcy. I am very disturbed that after XXXX with USAA I have to contact the CFPB for help with this matter.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX  acct # XXXX, h

as violated my rights. 15 USC 1681 section 602 A states I have the rights to privacy. 15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (IL)

Ocwen Financial Corporation & XXXX XXXX XXXX is running a risk on my consumer report. I don't know what is really going on. This is damaging my character. The credit report number looks deceptive and suspicious. I need you guys to address this. This is preventing me from growing, there are multiple mistakes. My identity has been compromised. I need resolution for this inaccuracy. I deny any and all claims. I spent a ton of time on the phone XX/XX/XXXX seeking a solution and I keep getting the runaround about this alleged debt, nothing has been clear or conspicuous. This is unfair and I haven't been acknowledged about my notices and they haven't made the necessary changes. I want this removed from all consumer reports immediately.
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I began talking to someone by the name of XXXX XXXX XX/XX/2022 online. I met him on the dating website XXXX. During our conversation he introduced me to short term investing and convinced me to also invest in an effort to make money. XXXX walked me through step by step how to set up an account with XXXX XXXX and create an account with both XXXX and XXXX XXXX on my cell phone to complete the investment transactions. XXXX constantly pressured me to invest large sums of money. I reluctantly took out a personal loan totaling {$7500.00} and invested {$7400.00} of it. I invested an additional {$3000.00} of my own money for a total of {$10000.00}. XXXX would provide me with times to either buy or sell over XXXX XXXX and what profit range to be within when I closed out the transaction. XXXX instructed me on doing this at a minimum two to three times a week for maybe seven weeks. When I went to try and withdraw money to pay off my personal loan, I was informed by XXXX XXXX that I needed to pay taxes on my profit totaling {$7900.00}. I took out a second loan for {$6500.00} and used {$1500.00} of my own cash to pay the amount. XXXX walked me through the steps of how to pay the taxes and I was informed by XXXX XXXX customer service that my account had been flagged as abnormal and I needed to verify my account by paying an additional {$6000.00} to withdraw my money and that I would get the {$6000.00} back upon paying and verifying my account. This is when my father informed me I had been scammed and to inform the FTC. I have had minimal, if any, contact with XXXX over the past two weeks due to this. XXXX also has no idea I am reporting him to the FTC for investment fraud. XXXX informed me, when we first began talking, that he lived in XXXX XXXX, XXXXXXXX with his mother and stepfather. XXXX is allegedly currently at XXXX XXXX XXXX  XXXX in Washington D.C. being treated for COVID, but when I called the hospital and requested to speak with him, I was informed that there was no patient with the name " XXXX XXXX '' admitted. His mother is supposedly also a patient there, but I never learned her name. XXXX told me that he owned a company with a friend/business partner in Washington D.C. and he was currently trying to sell his shares so he could return to XXXX  XXXX XXXX VA and open his own company there. I failed to get the name of the company. XXXX XXXX and his mother are both originally from XXXX and XXXX said he moved to the US with his mother when he was 15 years old after she married his stepfather. XXXX told me he went to college in XXXX and for a time lived in the XXXX area before moving to XXXX  XXXX.
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX 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 my written instructions
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I voluntarily had them repossess it in XXXX still not showing as repossessed to this day in XXXX. Tried filing disputes multiple time but no luck. Kind of tired of it being shown incorrectly.
Consumer complaint received 2022-04-24
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. (IA)

I voluntarily had them repossess it in XXXX still not showing as repossessed to this day in XXXX. Tried filing disputes multiple time but no luck. Kind of tired of it being shown incorrectly.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OK)

VALIDATION AND CEASE AND DESIST Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Midland Credit Management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The Inquiry transaction - XXXX XXXX XXXX : XXXX XXXX 2023, was not made by XXXX XXXX. It was a violation of 15 U.S. Code 1681c2 in the very least. XXXX XXXX never gave EQUIFAX written consent as according to U.S.A. law, to furnish the inquiry information on the consumer report. No evidence of such written consent is in existence.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

Subject : Request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Regions Bank Dear Regions XXXX XXXX XXXXXXXX, I am writing to request the reinstatement of funds into my account in accordance with XXXX XXXX On XX/XX/XXXX until XX/XX/XXXX, around {$4600.00} was debited from my account without my authorization. This transaction appears to be an error or fraudulent activity, and I am requesting that the funds be promptly returned to my account. I have already filed a claim and got denied Under Regulation XXXX I must be reimbursed. 
Details of the unauthorized transaction : * Date of Transaction : XX/XX/XXXX - XX/XX/XXXX * Transaction Amount : Around {$4600.00} * Description of Transaction : It appears to be ATM withdrawals and store charges I have already contacted the merchant/service provider regarding this unauthorized transaction and have not received a satisfactory resolution. As per Regulation XXXX, I am entitled to prompt resolution of this matter and the restoration of funds to my account. 
Please investigate this matter promptly and provide me with an update on the status of my request. I have also already spoken to your fraud team and have not gotten a satisfactory resolution. 
Thank you for your attention to this matter. I expect a timely resolution and the reinstatement of funds into my account as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I have an account in TD bank. A fraudulent used my name to withdraw money from my account. The person stole my money of {$4700.00} in the summer of 2021. But the bank refused to compensate. 
My account # XXXX Case reference # is XXXX or XXXX All the best
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Synovus Bank (MD)

I Applied For A Loan At Synovus in XXXX 2022. got approved for the loan!!! Have made all my on time payments on this account. Contacted Synovus to make my XXXX payment on XXXX the XXXX, was informed I couldn't make a payment because for no reason my account was locked and put under a review on XX/XX/2022. However I made a loan payment and spoke to several representatives on XXXX the XXXX 2022 which is after the date they're saying the account is locked!!! They Accepted the payment!!! Now as a consumer I have rights this bank deliberately violated my rights by one not notifying me the account was locked or under review!!! By locking my account closing access to my money without any clear deductive reasoning!!!! Now I can't make payments on the loan which im afraid they are deliberately wanting to damage my credit score and report!! also theyre stopping my business endeavors from moving forward which is the reason I got the loan so I could responsibly pay them back!!! Ive called several representatives that said I couldn't get any answers on my account!!! I spoke to supervisor whose name is XXXX, & they've been uncooperative in giving me any answers as to why & or how long its under review!! As a consumer I demand my account be unlocked because I've done nothing wrong and theyre are deliberately violating my rights and then because its a federal institution she's saying there's no way I can get any answers!!! As A consumer I demand my account be unlocked immediately so I can move forward with my endeavors!!! Especially seeing that ive done no wrong on the account since becoming a customer of the institution!! As a consumer I have rights there's no way this Is acceptable!!!