davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (DC)

False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed.

The following elements should be removed from my consumer report 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) XXXX reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING  reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

As evidenced, you are required to provide notification within 30 days, not one day later. 
As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXXXXXX XXXX XXXX, and the Federal Trade Commission. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (AR)

I was supposed to be in a 3 month trial plan, then I received a letter in the mail saying that they decided to accelerate the payment process and ask for the entire loan amount pad before XX/XX/XXXX or it would be auctioned off. Its XX/XX/XXXX. NewRez Mortgage company is who did this.
Consumer complaint received 2016-06-12
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC (OH)

XXXX XXXX with XXXX has contacted family members with no connection to my debt, despite acknowledging and agreeing to a verbal cease and desist to such practice. She is also threatening me with legal action if I do n't " pay immediately. ''
Consumer complaint received 2024-11-06
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. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

The creditor for the personal loan is the Pentagon Federal Credit Union. Included in the personal is optional insurance in case of unemployment. An insurance claim was made in XX/XX/XXXX. An additional form was requested from XXXX XXXX ( insurance company ) and provided on XX/XX/XXXX. The monthly payment for the personal loan is {$560.00}, and the due date is the XXXX of every month. XXXX XXXX continues to send partial payments in the amount of {$520.00} to Pentagon Federal Credit Union. The first payment made on XX/XX/XXXX, was for {$1000.00} ; the payment made on XX/XX/XXXX, was short {$37.00} and late ; they have now processed another payment on XX/XX/XXXX, for XXXX, which again is short {$37.00}. My payment, which is due XX/XX/XXXX, is now late due to XXXX XXXX not sending a full payment, and I have to make a payment of {$37.00}, or I will incur a late charge and affect my credit. 
I spoke ( XX/XX/XXXX ) with a manager at Pen Fed, and Pen Fed has expressed the insurance company should not be sending partial payments as long as I continue to provide the COntinuance of Unemployment form, which I have every time it has been asked for. 
Today, XX/XX/XXXX, I was on a 58-minute hold, but had to hang the phone up because no one came back to the phone.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of account with your company, Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution.

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, such as delayed access to services I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay.

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly.

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship.

I kindly request a response to this letter within the specified timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.
Consumer complaint received 2021-02-01
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. (NV)

As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

The creditor has and is reporting my credit history inaccurately. 

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623. 

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ). 

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've started sending out letters to XXXX, XXXX, and Equifax to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.
Consumer complaint received 2024-01-19
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. (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have reviewed my consumer report and noticed a charge off from XXXX XXXX the open and close dates are different across all accounts the dates will be provided in attachment. The information has not been verified and it has not been permitted by me nor does it have a signature to be placed on their platform below I will send you a printout of the account on my report showing all the wrong information and is completely inaccurate
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2024 I clicked on a promotional offer from Capital One on the website of one of their marketing partners ( XXXX, XXXX, etc. ). The promotion offered a {$200.00} dollar signup bonus for a new Quicksilver credit card account, so long as the new cardholder spent {$500.00} in the first 3 months following activation of the card. After clicking on the offer, I was sent to the application page for Capital One and filled out the application, answered all the questions, submitted the application and received immediate approval. I activated the card on XX/XX/2024. Today, XX/XX/2024, I went through the enclosed information in the envelope in which the credit card had arrived and didnt see any details about the bonus, so I called the number on the back of the card. The agent who assisted me ( XXXX, employee # XXXX ) informed me in sort of vague terms that I hadnt signed up for the bonus, as if I had missed some section of fine print or something on the application. I tried to get better clarification, retelling the narrative of the steps I took as outlined above, and he subsequently left me on hold for an extended period as he claimed to be conferring with someone about the issue. He came back and expressed some further vague confirmation that I had not signed up for the bonus, though he did concede that the card does include a bonus, but had trouble articulating to me in more specific terms why I didnt qualify for the bonus, even though I had followed all the steps outlined above. Its possible that native language difference was preventing us from accomplishing better communication. Regardless, I did finish by restating my narrative one final time, and asking him to confirm once more for the record that Capital One, through their representative, him, XXXX, that the bank was refusing to provide the sign up bonus which, as it turns out is a real thing they do offer, and which had prompted me to apply for the card, which I had activated by clicking on the offer link on the website of one of their official promotional partners that in light of all this, they were indeed still denying me the bonus. He emitted an uncertain mumbly, yes and I thanked him.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX did not represent themselves as XXXX. However, they are currently reporting the last payment amount was XXXX This is inaccurate information. The last payment amount was XX/XX/XXXX. Please have this company send a validation letter showing I did purchase the car with identifying information. 

The car is showing reposession. Please have them show the last date of payment. The day the car was reposessed. 

Transunion is reporting the balance amount is XXXX this is incorrect. They are also showing the past due amount is XXXX this is also incorrect. Please have all necessary documentation to show that a balance is owed on this car.
Consumer complaint received 2024-01-16
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX  XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXXXXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Pursuant 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and XXXX are consumer reporting agencies, and I'm the consumer and/or customer. As per 15 USC 1681e XXXX, XXXX and XXXX are not maintaining reasonable procedures.

Also, in conformity with the FCRA customers have the right to make sure their nonpublic personal information is not shared according to title 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CAPITAL ONE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are financial institutions according to that title and will be referred to as such hereinafter.

Title 15 USC 1681b ( a ) ( 2 ) states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. All forms of consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is revoked.

Title 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX are nonaffiliated third parties. None of the financial institutions informed consumer the right or how to exercise my nondisclosure option before my nonpublic personal information was disclosed.

Furthermore, title 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. The account ( s ) with these financial institutions are adverse items that they are reporting without my permission. 

Title 15 USC 1681s-2 ( A ) ( 1 ) A states 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 ''.

Consequently, 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out. Effective Immediately. 
See attached copies of my consumer report.
Consumer complaint received 2024-01-16
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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXXXXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
3. I have not supplied proof under the doctrine of estoppel by silence XXXX vs. XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX