davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Im a recent XXXX XXXX and applied to a job through XXXX XXXX and was given the job and instructions which looked very real and through school. The first step was to deposit a check which i then did. After finding out shortly after it was a scam i did everything in my power to get the money out of my account/ returned or bounced. However the money just stayed i havent spent any but they closed my account
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-01-26
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. (TX)

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.

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 2024-08-21
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. (SC)

I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (CA)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX 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 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 2024-05-10
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)

Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts are in violation According to 15 U.S.C. 1681b, 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (LA)

In accordance with the Fair Credit Reporting Act. The list of accounts below haws violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

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 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 consume4r reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not garnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is second attempt to have my information updated properly on my credit report. Transunion has yet to furnish accurate information on my consumer report. XXXX has updated the information properly but Transunion is willfully not complying with my request. I have pulled my consumer report again and saw items listed on my consumer report that I did not authorize. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. I'm challenging inaccurate personal information and authorized accounts listed below : There is an unauthorized address and account that is not listed accurately.

In accordance, 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This is my written request to cease reporting for the inaccurate information on my consumer report.

Also in accordance with 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. I am notifying you that the address listed on my credit report is not my mailable address. The account listed on my consumer report is not accurate.

Lastly in accordance with Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. You do not have my written consent disclose any records of these account listed in my complaint.
Consumer complaint received 2023-04-11
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. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$640.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XX/XX/XXXX, XXXX 'XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (IN)

XXXX XXXX XXXX is the individual who is representing discover financial services. He works for XXXX XXXX and XXXX XXXX, XXXX. 
XXXX XXXX has submitted information to the court in a court case where discover is suing me for an amount that I have submitted evidence is incorrect. He also claims that his client did not send information that I have received in reference to the allegations I have made against discover financial services. The paperwork that I have submitted is from his client that his client claims they did not send at this point in time. 
This particular XXXX has attempted to extort close to XXXX from me and then admitted to a clerical error. Now its over XXXX I submitted a complaint originally with XXXX in reference to discover and they have falsified information to the CFPB which I will be fine, filing another complaint in reference to that Response from discover financial. 
The fact that discover has sent me this information, enlisted other entities to do the same and yet denies it is consumer to be able to protect themselves. 
Im not sure if council is advising his client to deny, or if the client which is discover financial is merely denying because they dont think they have to own up to what theyve sent which could be considered deceptive practices.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just checked and reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-10
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp. (MI)

Absolute Resolutions is a collection Agency that is currently intentionally reporting false information to the credit agencies. This account is currently listed as open and charged off as of XX/XX/XXXX. An account was never opened with this company on XX/XX/XXXX ( per report ) and an account can not be charged off and open simultaneously as they currently have reported. Also, This account was not charged off in XXXX as they reported. Please have this company remove this false information from my credit report as it is illegal and negatively impacting my credit rating.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MN)

I have reached out and contacted the collector on several occasions letting them know that I was a victim of identity theft and that this was not my dad Ive showed them proof of the identity theft and Other accounts apartments and phones that have been opened up in my name they agreed to settle this and delete the day yet they have put it on my credit and it shows in the negative light I would like it removed immediately this XXXX dollar is not my day to pay
Consumer complaint received 2023-08-06
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (VA)

Someone hacked into my XXXX account and made several purchases against a credit card I had on file with XXXX. The card was with First Natonal Bank of Omaha. I called the credit card company and reported the charges that was showing on my statement that I or my wife did not purchase with XXXX. The card company denied my claim because they said there was no proof that we did not make the purchases. I called XXXX and they had no record of me making these purchases. Ther was quite a few in XX/XX/2024. The only recent purchase that we made with XXXX was for 2 water filter for my refrigerator. I have several other credit cards and this has happened in the past and they just went ahead and credited me with very few questions. I did received a confirmation that a package was delivered with a picture from XXXX, but it was not my house and it was delivered to Georgia. I live in Virginia. I closed out both of our XXXX accounts and the credit card company issued me new credit cards. Now I am stuck with these charges and I can not prove to my credit card company I did not order these items. What can I do at this point?
Consumer complaint received 2023-08-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently opened a mortgage loan on an investment property which SHOULD'VE been under my XXXX 's credit report and not my own. My XXXX  is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my XXXX when we signed the loan documents. Before signing documents, I confirmed with my loan XXXX that I was only signing on the XXXX 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the XXXX is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the XXXX to show that I have the right to act as the signer on the XXXX 's behalf, and the loan disclosure and documents which shows that the XXXX is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the XXXX. They do not allow the XXXX  entities to be the official signer of documents.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To WhXXXX XXXX XXXX XXXXern : I have XXXX unknown accounts that I never applied for showing on my credit file. these following accounts are not mine please delete/remove XXXX  XXXX # XXXX. I wanted to inform all parties that in the XXXX XXXX ( XXXX ) days I have contacted the XXXX XXXX XXXX. I explained in my letter that, you, as a XXXX XXXX XXXX, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account : : XXXX  XXXXXXXX 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 2024-02-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I had a covid forbearance with Pennymac for a few months.I was told that when i came off of it they could put my payments to the back of my mortgage and resume my normal payments and that they would not report my late payments to the credit bureaus. Turns out none of that was true. they were trying to make me pay back all of the missed payments unless i did a loan modification, i said ok. after my loan modification was done they reported my late payments to the credit bureaus and my credit dropped about XXXX points! Also they raised my interest rate from XXXX to XXXX which i had no idea they would do before i was forced into this situation! So now my mortgage payments are about {$500.00} more a month and there is no way that i can pay it. I just want my interest rate to go back to what i originally had which was XXXX, thats all i am asking. I am a XXXX XXXXXXXX veteran and this seems like a bait and switch! the whole process that was supposed to help me actually has destroyed me the most, its crazy!
Consumer complaint received 2024-02-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

I'm written this letter to complaints long silent zombie XXXX mortgage or debt XXXX filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( RRA CP OPPORTUNITY TRUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXX bank XXXX. security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXXXXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXXT 1. In XXXX we ( me and my husband ) filed bankruptcy and XXXX I thought the HELOC XXXX mortgage had satisfied, the last payment I made to XXXX was in XXXX, XXXX. In XXXX, XXXX our primary mortgage was modified under a governmental program known as the making home affordable program ( XXXX ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago we have not made a single HELOC payment since XXXX, XXXX. In XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from XXXX mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court. However they still filed a notice of default to XXXX XXXX on my house. Thanks
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital One Billing Disputes Department to request that they update all credit bureau reporting agencies to remove an old and outdated dispute flag that still appears on my account. 

Whenever I access my credit report, under the remarks section appears : " Dispute resolved ; reported by grantor. ''