davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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)

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.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-06-13
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: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Do too covid a new payment agreement was made do too do everything closing down. A lump some of money was paid over XXXX dollars is what they ask for too make the agreement of paying XXXX dollars a month. The company verbal agreed too this dollar amount and I ask for this Agreement too also be sent by mail. They did not do so the payments has been paid on time every month and there still reporting all payments late. From XXXX until now of XXXX I have requested over and over for them too change they refused too and said the payment is still late! If there is agreement of change of payment I asked how are the payments late you are getting paid every month on time and the payments are on automatic withdrawal how can it be late the whole world was shut down and the payments was still being paid do too hard ship not working they agreed upon XXXX dollars a month and no payments have been missed According too code 1666b and code s1006,18 is a violation I have reported this info too credit agencies about this and I was told the information was correct well I have information that shows different not only that they reported the information late every month they also tack on late fees as wellso not only they reported the payments late every month they also add on extra fees for late payments I have called the company about this more than once and they refuse too report the correct information this has effect my way of living as well reporting false information
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a follow up complaint of the original submission into Transunion refusing to display correct data on my consumer report for XXXX XXXX XXXX. This is in regard to account ending in XXXX. The account is being reported as closed after 3 statements proving transaction history on the card have been sent. XXXX XXXX XXXX  sent another letter to me letting me know that they have requested that Transunion correct the information. Transunion 's response to the last complaint sent to the CFPB was to inform me that account will remain closed and that I have the right to add a 100-character note to my report. This is my 4th attempt to get TransUnion to report accurate information. As this is Transunion 's position that it " an entity '', is holding, knowingly displaying false information on a consumer 's credit report, Transunion has intentionally violated FCRA { 15 U.S.C. 1681 }. I am now requesting that the federal trade commission get involved with enforcing FCRA on my behalf. I am engaging with an attorney to deal with issue moving forward. I have attached the XX/XX/2023, XX/XX/2023, and the XX/XX/2023 billing statements for the account showing as closed on the Transunion credit report. This is a demand for correction, and removal of inaccurate, or incomplete information on my consumer report with Transunion. Note - Transunion is incorrectly marking months of the report as " insufficient / no data ''. This needs to be corrected.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MI)

N Accordance with the fair credit reporting act XXXX  XXXX # XXXX XXXX has violated my rights 15 US C 1681 section 602a states i have the right to privacy.15US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/ SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to draw your attention to a series of egregious violations that have significantly impacted my financial well-being and personal life. These violations pertain to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 

XXXX. XXXX XXXX - Account XXXX : XXXX Violation : Disputed item appearing on credit report without evidence. 
Violation Reference : FCRA - 15 USC 1681, specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX. XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX. XXXX XXXX  - Account Number : XXXX Violation : Misleading false reporting, potentially violating FDCPA Section 807.

Violation Reference : FDCPA - Section 807. 
Personal Hardships : The cumulative impact of these violations has been nothing short of devastating. The compromised credit report has shattered my aspirations of securing loans at reasonable rates, obtaining suitable housing for my family, and even pursuing educational opportunities. The emotional toll is immeasurable, as I have had to witness my family 's dreams slip further out of reach due to circumstances beyond our control. 

I implore the Consumer Financial Protection Bureau to : Enforce the legal rights and protections afforded to consumers under the FCRA and FDCPA. 
Investigate these violations with a sense of urgency. 
Ensure that the relevant creditors promptly remove these unverified and inaccurate accounts from my credit report. 
Doing so would alleviate a substantial portion of the burdens that have weighed heavily on me and my loved ones. Thank you for your attention to this matter. I eagerly await a response and resolution that will help restore my financial dignity and provide hope for a brighter future. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Fair Collections & Outsourcing received an alleged debt for an apartment lease I cosigned for. While I believe the debt it self is inaccurate, as I only agreed to a one year lease, the biggest issue is them reporting this to my credit report. They are weaponizing the credit report. At no time did they, or their client XXXX XXXX ever report the over 18 months of positive payments made. At no time did they ever say the account was XXXX, XXXX, XXXX or 120 days delinquent. They just simply placed this on my report as a chargeoff, plummeting my credit score.

The use of a credit report and or credit score to collect money is wrong! it is borderline harassment and extortion! 
At no time was I ever made aware there was a delinquency until XXXX months ago, and the tenant I helped has been out of the complex for over 2 years!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (FL)

To : First National Bank of Omaha AND XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt and Original Contract Dear Sir/Madam, By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and removed from my credit report in order to show my true credit history. As you are well aware, under 15 U.S.C. 1681i of the FCRA, as well as numerous other legal authorities, you are required by federal law to report only accurate information and every step must be taken to assure the information reported is completely accurate and correct. 
1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

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  Please accept this letter notification that I dispute the following items reflected in my credit report : Account Details : Creditor 's Name : MIDLAND FUNDING Account Number : XXXX Provide me documentation that this is mine or delete it Note : MIDLAND FUNDING has miss represented itself to XXXX as an original creditor holder which is strictly prohibited in court of law and is in non-incompliant with CFPB reporting guide-lines, please deleted without delay.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX Balance transfer of {$10000.00} was initiated in Capital One app using the " Offers '' section of my Ventrue Credit Card XXXX I selected the offer of " 0 % XXXX % transfer fee '' with the expiration of XX/XX/XXXX. See below the attached email with this information. The email from CapitalOne does not state the offer I selected. I am enrolled in paperless billing & documents. I do not have any document or email stating which offer I selected. 

Continued making weekly/biweekly payments. 



XXXX I noticed XXXX and XXXX had been charged interest, despite my transfer offer providing no interest for 18 months. 

XXXX Contacted XXXX at XXXX for 1 hour and 39 minutes. I was transferred to XXXX, supervisor, from the representative. I requested documentation as proof of why I was being held responsible for a balance that is now accumulating a large amount of interest, as it defeated the purpose of initiating a balance transfer, which is why I selected the 0 % for 18 mo and was aware and willing to pay the 3 % transfer fee. She stated this must be escalated to the back office teams for credit cards in order to retrieve that type of information. I requested that the note contain my lack of email, document center document, mail, or transaction specifying which offer was selected. Also, that my offers tab still had both offers active. I requested they change the balance transfer type to what I originally selected, reverse the interest charges, and provide proof of in-app offer selection. After this was submitted, XXXX advised it would take 7-10 days for a response. She also stated she would make a new calendar event to reach back out to me on XXXX XXXX XXXX XXXX  to follow up if my request was denied. 



XXXX XXXX XXXX for 28 minutes I spoke with XXXX XXXX. I stated the above information and requested an update since XXXX did not reach out to me. She read me the response from the back office stating they will not reverse the charges or change the offer selection. I asked what evidence they had that resulted in their decision. I again repeated that I was not provided with any documentation to utilize as proof of what offer I selected, which is very out of the ordinary. I asked what other documentation aside from the initial transaction and no 3 % fee transaction that they could see was used. XXXX stated their response again and said they dont provide that type of information. I asked once again, if I dont have any documentation as proof nor does Capital One, how is this a fair resolution? XXXX stated the back office is the highest it could have been escalated and there were no other options to resolve this. I requested to see in writing the back-office response she read to me and was denied. 



I did receive an email as requested with my VENTURE CC terms and conditions, that I already had access to. That document provided zero relevant information regarding my case.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-09-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO. (CA)

I went through a divorce back in 2000 in which the judge ordered our home split and sold. My ex then fraudulently got a default status only divorce with the financial portion to be bi furcated. It took me years to even understand what had happened and it never went to court for the financial portion to be split regarding all of the buildings we owned. I could never get an attorney to take my case because when they saw how badly I had been hard done by, and by whom, they didnt want to touch it. Besides I had no money at this point. My ex then lied to the Judge and told him that I was holding up the process. I went to court to defend myself but because of the lies accusations the judge was not on my side and told me to sign off of my house or be in contempt. But when I signed I said that I was signing under duress. My ex became very ill and he had to sell the house so he had his daughter who is a realtor, sell our home and never gave me my share of the equity.
Consumer complaint received 2023-09-01
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. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-01
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC (CA)

My grandmother passed. I have lived in her home before and after she passed. I have kept up on all of the house taxes as well as the home insurance. A couple weeks after she passed, my uncle who was power of attorney did a quit claim and put the title to the house in my name, as the will and trust said I would inherit it as a gift. 

On XX/XX/2023 I received a piece of mail I had to sign for, stating that the estate was intend to foreclose because it was in violation of the borrower passing away and in default. I HAD NO IDEA THAT MY GRANDMA EVEN HAD A REVERSE MORGAGE. My uncle did not give me that information. Anyways I have until XX/XX/2023 to pay off the debt or my home will get foreclosed. I NEED TO FIND A WAY TO SAVE MY HOME. It is all I have, I am an individual with XXXX. 
I've read about XXXX LAWSUITS GOING ON AS WELL AS THE COMPANY COMPU LINK WHO TOOK OVER XXXX. IVE CONTACTED ATTORNEYS THEY SAY I MAY HAVE A POSSIBLY LAWSUIT.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX