davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: Resurgent Capital Services L.P. (CA)

XXXX XXXX is in violations FCRA 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 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (FL)

TODAYS DATE : XX/XX/XXXX ONLINE INFORMATION SER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONLINE INFORMATION SER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (TX)

Equifax refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from XXXX XXXX XXXX XXXX because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (OH)

On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX  of XXXX, the dealership was supposed to pay off the account in totality for my XXXX XXXX XXXX and they did in the amount of {$13000.00}. The account Flagship Credit Acceptance is still reporting to my credit and I do not understand why it does not say paid off as of 2 years ago.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX TRANSUNION, STILL BLOCK ME FROM REVIEWING MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. It never fails if I look at one report like XXXX I will not be allowed to access my credit report that the three credit agencies block me from such as TRANSUNION AND XXXX. I am having to pay for services to see whats falsely being reported. To know and find the organization to realize had I intentionally meant to be late I would not fight this as hard as I am. I am getting ready to turn the big three and fico over to my attorney one man should not fight this hard.
Consumer complaint received 2023-08-14
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: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

On XX/XX/ there was a letter from Fair Collections and Outsourcing in my apartment mailbox. Upon reading the provided letter, I began to freak out as I was informed that I owed {$2700.00} to XXXX XXXX XXXX XXXXXXXX XXXX. I sent back a letter on XX/XX/ requesting that the collections company do not contact me unless to verify why I was receiving this debt collection letter, or to inform me that the debt would not be sent to credit reporting bureaus. I was not provided with my rights, a timeline of how long I had to dispute the debt, and what options I could take to dispute. I also informed them that they had not provided me with my rights. 

On XX/XX/ at XXXX EST, I called the debt collection company and asked for a status. The person on the phone stated that because I said I did not want to be contacted, they would not be sending me anything. I expressed that I was confused because I stated that I did want verification, and to only not reach out if they were not going to do so. The person stated that the collection was paused until XX/XX/XXXX, and that after that it goes to the credit bureaus. I asked how to go about this and was told to email then my lease. When I attempted to ask additional questions, I was hung up on. I then sent my lease and additional documentation to XXXX. 

After informing my friends of what was going on, one suggested submitting an FDCPA Violation complaint. I called CFPB at XXXX and spoke on the phone with someone who did confirm that debt collection companies are to provide my rights in the initial written letter, not over the phone. Again, as of XX/XX/XXXX, Fair Collections and Outsourcing has not informed me in written form as to what my rights are, confirmation that they would not contact me, and how to dispute the debt.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MN)

My mom XXXX XXXX XXXX XXXX regularly sends money from her XXXX XXXX XXXX account to my Chase bank, {$6500.00} per transaction, to help fund my tuition. She sends it to the exact same account every time. It went smoothly for a year and half, and the final successful transfer was XX/XX/2023 ( can be seen from my Chase account ). She sent another one on XX/XX/2023, but it was never received. My mom contacted XXXX, and after a lengthy investigation process, XXXX got in touch with XXXX ( the intermediary ) and Chase. It turns out that CHASE for whatever reason, flagged an error on the transfer and CHASE proactively CHANGED the account number of the transfer. It was originally supposed to go to " XXXX '' ( my account ), and CHASE proactively changed it to " XXXX '', and deposited the funds into this WRONG person 's account. I went into a Chase branch in person and had the banker look into this. Banker found out that Chase did in fact deposit the money into XXXX, which is the WRONG person 's account. Banker tried calling various departments ( including Wire department and Claims department ) to correct CHASE 's mistake, and they all gave various reasons to why they can not give me my money even though they can see that I have been receiving funds from XXXX XXXX for a year and half, and this one transfer went to the wrong person. XXXXne of the reasons that Chase gave was that my account ( XXXX ) is now restricted to close, so they can not transfer the money into this account. I had ChasXXXX restrict my XXXX account and open me a new one about a week ago because my account information was compromised to a potential scammer. The new account ends in XXXX. Regardless, Chase made the error of proactively depositing my mom 's hard earned money into the wrong person 's account. I should be protected and get my money back. 

To summarize - my mom tried to transfer money from her bank account to my Chase account, using all the correct info and account numbers. Chase made a mistake, Chase proactively changed the recipient account number and deposited it into the wrong person 's account. Now that person has my {$6500.00}, and Chase is refusing to correct their mistake. I am struggling to make ends meet because of Chase 's mistake, and I am down {$6500.00}.

Please let me know if I can provide any more information to help aid this investigation. Thank you.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with Transunion. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time Transunion chose to keep the erroneous information on my credit report because the collection agency, XXXX XXXX, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from Transunion 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor XXXX XXXX ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

Transunion failed to conduct any meaningful investigation into the factual basis for the claims made by XXXX XXXX. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for Transunion to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from my credit report.
Consumer complaint received 2023-06-26
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: Upgrade, Inc. (LA)

on XX/XX/2023 I phoned credit bureau to clarify an issue in my credit report first representative hung up on me right away representative # 2 insisted I just needed to just explain the adverse information was for one item not many and politely hung up credit bureau very unprofessional my creditor needs an accurate report from the credit bureau me informing the creditor is insufficient but at the same time why is my creditor giving me decreased credit limit and higher APR when the XXXX information was there when it approved me for the credit
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I closed on a house in XXXX, my first mortgage payments to Freedom Mortgage Corporation weren't due until XX/XX/2023. 

On XX/XX/2023, I made a {$1000.00} payment to the principal, which processed on the XXXX. The money was taken out of my bank account, and appeared as a payment on my statement from Freedom Mortgage. 

Late XXXX I received a notice in the mail saying Freedom Mortgage had sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and that payments after XX/XX/XXXX should be sent to XXXX XXXX. 

I called both companies to confirm my XXXX payment should be sent to XXXX XXXX instead of Freedom Mortgage. When I checked my Freedom Mortgage statement, it showed my XX/XX/XXXX payment had been reversed, but the money was not returned to me, and my original principal balance had been transferred to XXXX XXXX. 

I called both companies again XX/XX/XXXX on a conference call to confirm my {$1000.00} payment was mad to Freedom, but not received by XXXX XXXX. Freedom said they would have to audit the transfer to determine where my money went and would call me in 2 days. On XX/XX/XXXX, they didn't call, I had to call, and they said they had up to 60 days from the date of my mortgage being sold for the money to be transferred to XXXX XXXX. 

After 60 days, on XX/XX/XXXX, I called both companies again on a conference call to get another update, but Freedom Mortgage at first claimed I hadn't made a {$1000.00} payment in XXXX, then claimed to have found it and claimed to have sent a check to XXXX XXXX on XX/XX/XXXX, which XXXX XXXX had not received. Then Freedom Mortgage asked for another 2 weeks to trace the check to see if it had been cashed or not, and if they could cancel the old check and send a new one. I told Freedom this was unacceptable and I would be filing a complaint. Then Freedom said I should hear back by Monday, and if not to call them. It is currently Monday and once again they have not followed up with me.
Consumer complaint received 2023-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WV)

I have a mortgage with Mr. Cooper. I had a mortgage relief when the pandemic started in XXXX. It had continued for two years. After that point I was not able to pay because of loss of income. i have been working with the company to try to resolve the problem. Recently I have had a person intrerested in buying the property. Because of the amount I still owe on the property we were trying to do a short sale. When this was submitted on XX/XX/XXXX it was rejected because they said it was to close to foreclosure date of XX/XX/XXXX. 
We have tried to get Mr. Cooper to extend the sale date but they have refused to do so. 
I am requesting your help with this problem so we can do the short sale. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2023-06-28
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. (SC)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My Kohl 's charge card was blocked some time ago, but I made payments anyway even though I could not purchase anything. I have been harassed for quite sometime now, and reported to the Kohl 's company that my card and account charges were due to identify theft. They have not considered I was a customer for sometime and have been harassed only to make payment on a debt that is due to identity theft. During a time I was under contract with the U.S. Government for confidential assistance during the XXXX war, my card was hacked and any debts are the result of identity theft which I have repeatedly told the company. I continued in good faith to make payments waiting for Kohl 's to advise they would take care of resolving the matter. However, as a good customer and at a time of national urgency, Kohl 's has repeatedly ignored my statements regarding identity theft. In addition, Kohl 's has violated the no-call list of which I am listed on, with repeated harassing calls, and with robots calls everyday of the week including weekends and holidays ; I have tried to work with the company but am harassed for no good reason. I have been offered information that I can file suit based on violation of the no-call list and disregard for debt I alerted Kohl 's on which is result of major home invasion, property theft and identity theft. It is suggested I can sue for harassment and no-call violation which is now option for me.
Consumer complaint received 2023-06-26
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: CarMax, Inc. (GA)

The account was initially reported as charged off, and when it was posted to my file as a charge off, I initially disputed the account and got it removed because I never had a car loan with CarMax Auto Finance and, as a result, it should not be reporting as an open account. In addition, the balance was reporting as XXXX. This account is reporting fraudulently on my credit report, and it is also blatantly reporting inaccurately in an attempt to lower my credit score. I also challenged this account and got it deleted. my credit history. Due to their flagrant violations of section 1681s2-b, the data furnishers at CarMax 1 . After being informed of this account, failing to conduct a thorough inquiry Possible inerrancy 2. Reopening this account just to reinstate its previous removal from my credit report ; 3. Listing the sum as a charged-off account on my credit report, 4. Adjusting this account 's date of closure, 5. The prospect of collecting any late fees related to this closed and charged-off account. This violations the Consumer Financial Protection Act, And the Fair Credit Reporting Act. I have tried everything to reason with this company, and dispute these items normally. If necessary, however, I do plan to escalate this to the federal level. I will be in contact with my lawyer. Unless you immediately remove the information from my credit file, I have filed a complaint with your state attorney general as well as the Consumer Financial Protection Bureau. The next step will be to file a lawsuit.
Consumer complaint received 2023-06-26
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. (OH)

there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} -XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -XXXX XXXX XXXX # XXXX