davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I filed a Bankruptcy in XXXX  with the federal court in Georgia in XXXX. The bankruptcy was transferred onto my private consumer report immediately after from the three major credit bureaus that are private entities and not of government agencies : XXXX, XXXX, and Experian. The problem with this is they did not have permission from myself the consumer 15 usc 1681c identity theft nor did they have permission from the federal court 15 usc 1681 permissble purposes. On my consumer report it states the federal court reported this information, I will attach a letter from the federal court stating this misleading information and a LIE. The federal court has a system PACER ( Public Access to Court Records ) That anyone that pays a fee and established a username and password can access to see any public records of that of consumers. No entity has the legal right to transfer the information onto consumers report without the permission of the consumer and federal court. These bureaus have continuously violated my federal consumer right by adding this public record to my private consumer report. Furthermore, I have provided the proof that the federal court does not report bankruptcies on consumers report and the bureaus have failed to provide proof r that the reporting is legal. The CFPB has done nothing to support me as the consumer. They have only reached out to the reporting agencies and when the agencies have only validated that I have a bankruptcy but failed to validate the reporting of the bankruptcy is legally reported, the CFPB has then closed the case without proof. There has been no true justice served. The reporting of the bankruptcy has ruined my reputation and has hindered me from getting lines of credit and jobs in the past. If any creditor would like to know if I have a bankruptcy they can access the PACER system like the credit bureaus have done to view that Public report, this should not be viewed on my private consumer credit report and I am requesting all of the reporting bureaus to remove this bankruptcy immediately.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was notified that my credit score was recently reduced because of a hard inquiry from Capital One. I did not authorize this. 5 days later I receive a new credit card from Capital One that I did not request. I called them to cancel this card, and to report the cancelation to the credit reporting agencies. They told me they needed a lot more personal information from me to cancel the card, and that they have 90 days to investigate how they came to send me an unsolicited card. They said someone must have requested it, which is not possible, and the CC was sent to my home. They told me they could not cancel the card until after an investigation. I believe that since I just paid off all my student loans, and signed a large lease in my own name, which were reported to the credit reporting agencies, that Capital One sent me an unsolicited card, I want my credit report to be corrected, and want to cancel this card.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (AL)

On XXXX I contacted AAFES Military Star Card to find a resolution to my owed debt. I spoke with a woman For approx. 24 minutes asking questions such as if my account had been closed, what the options for a settlement were, etc. She brought up that if the Debt remains unpaid that they would begin to garnish my retirement. I told her that I was XXXX retired and receive VA XXXX compensation due to a Service Connected XXXX and was not receiving that in lieu of retirement benefits. She put me on hold and spoke with her colleague/supervisor and came back to notify me that they will garnish VA XXXX compensation. I tried to inform her that Public Law 95-30 does not permit garnishments like that and I was told, paraphrased, " if you read that, its general, and we can and will garnish VA benefits. '' I gave up and ended the phone call and proceeded to email the collections dept. at AAFES as she had suggested to potentially reach a settlement ; she did however inform me they usually don't do settlements until it has reached the third-part collections agency. I emailed the company right after our phone conversation and gave a brief overview of my situation, my recent phone call, and my reason for a settlement request ; I was ignored. on XXXX ( the following day ), I get a notification from XXXX that there has been a change to my credit file as follows : Change : Major Derogatory Account ; Company : MILITARY STAR. I believe this change was submitted and made due to my attempt to settle the debt and phone conversation. I believe that these tactics are predatory and they are threatening to garnish exempt income against federal law. They are bullying Consumers, specifically military affiliated consumers, into paying debt.
Consumer complaint received 2024-03-27
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : Collection account Account Number : XXXX
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I first checked my credit report, only to see All accounts that did not belong to me and personal information was incorrect too. I also contacted each creditor on my credit report to advised them that I am a victim of Identity theft and I requested that the inaccurate account be removed or deleted from my credit report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 XXXXXXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 2024-03-27
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.

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 2023-09-19
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. (MI)

Three credit reporting agencies continue to post negative and late Payments Made by XXXX XXXX XXXX, Who has REFUSED to supply the proper documents the the DIFS as to why we did not receive the goods and services we prices but continue to charge us for them. Credit reporting agencies could care less, and are now part of the reason we are having a finical crisis from the banks fraud to the agencies continued reporting. They refuse to address the issue after several complaints have been made and Feed back provide. My husbands score has decreased nearly XXXX points from this banks fraud and being allowed to continue to report.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Three credit reporting agencies continue to post negative and late Payments Made by XXXX XXXX XXXX, Who has REFUSED to supply the proper documents the the DIFS as to why we did not receive the goods and services we prices but continue to charge us for them. Credit reporting agencies could care less, and are now part of the reason we are having a finical crisis from the banks fraud to the agencies continued reporting. They refuse to address the issue after several complaints have been made and Feed back provide. My husbands score has decreased nearly XXXX points from this banks fraud and being allowed to continue to report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

These Credit Reporting Agencies XXXX, XXXX, TransUnion, Has Placed Inaccurate Information On My Consumer Report. I Pursuant To The Fair Credit Reporting Act ( FCRA ), This Is A Violation To My Rights As A Consumer. Please See Attachments!!!
Consumer complaint received 2023-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NY)

In XXXX I requested SLS Servicing to update the information correctly on my credit report. They are claiming that a charge off of XXXX was done back in XXXX  but that is not accurate. It was supposed to be a modification of the loan and they went ahead and charged of the loan for only XXXX not XXXX. I need that changed or removed. I am still making payments on this loan so how can it be charged off.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I paid my loan in full and requested data showing that the loan was in fact paid in full. I received the data showing the loan as paid in full, however, the credit reporting data was not updated to reflect that. I contacted XXXX and spoke with Supervisor # XXXX who stated that they were reporting paid in full status yet my credit report does not reflect what they claim they are reporting. I have been working with Experian to try and resolve this issue with no success. Experian states they report what is reported to them, as a consumer between an organization like XXXX who states they are transitioning loans and have delays and other problems and Experian who states they can only post what they receive. I am left with an account on my credit report that shows a balance due while I have data that shows the account as paid in full and the two agencies can not seem to correct my credit report. Please advise.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXI - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

I am writing to file a formal complaint against JPMCB CARD ( Account Number : XXXX ), JPMCB CARD ( Account Number : XXXX ) and JPMCB AUTO ( Account Number : XXXX ) for multiple violations of federal credit reporting and consumer protection laws. My complaint is as follows : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : JPMCB has failed to adhere to the FCRA 's requirement for accuracy and privacy of consumer information as outlined in 15 U.S.C. 1681, particularly section 604, which mandates that a consumer reporting agency may not furnish personal information without my explicit written consent. 

2. Violation of the Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment as late unless it has reasonable procedures to ensure statements are delivered at least 21 days before the due date. I have not received adequate or timely billing statements to fulfill my payment obligations. 

3. Business Account Misclassification : One of the accounts in question is a business account and should not be reported as an individual account. This misclassification has led to incorrect reporting and potential damage to my personal credit report. 

4. Lack of Communication : I have not received periodic statements, invoices, or any communication that would allow me to manage and verify the debts reported by JPMCB, which is a fundamental consumer right. 

5. COVID-19 Pandemic Protections : During the COVID-19 pandemic, I was entitled to certain protections and accommodations under federal guidelines, which JPMCB failed to provide or communicate. 

The aforementioned issues have caused significant harm to my credit standing and have impeded my ability to access financial products. I request that the CFPB investigate these matters promptly and take appropriate action to rectify the violations and provide relief as warranted. 

Enclosed are all relevant documents and correspondence related to this matter. I trust that the CFPB will address this complaint with the urgency it requires. 

Thank you for your attention to this serious matter.