davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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: SERVICEMAC, LLC (NJ)

I am submitting a formal complaint against Service Mac for infringing upon my consumer rights. Service Mac has failed to provide me with the opportunity to opt-out before disclosing my personally identifiable financial information to XXXX  parties, including other financial institutions and consumer reporting agencies. This constitutes a violation of both my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and my state rights under the New Jersey XXXX XXXX XXXX ( XXXX ). Upon informing Service Mac that I did not consent to the sharing of my private information, they incorrectly claimed that they had the right to share my personally identifiable financial information as per their privacy policy and notice. However, these notices explicitly state that such information is instead subject to other federal privacy laws, such as the XXXX, and that for New Jersey residents, information will not be shared with non-affiliated XXXX  parties except as permitted by New Jersey law, such as for processing transactions or maintaining accounts. I have never signed any contract nor granted Service Mac permission to share or sell my nonpublic personal information or account details to another financial institution. I have requested a full accounting of this account, including specific documentary evidence signed by an accountant representative, to clarify the funding source and the actual amount owed. Despite this, Service Mac has failed to provide the requested accounting information and only sends me a copy of the Promissory Note, which itself contains multiple violations of the Truth in Lending Act ( TILA ). Furthermore, I have clearly specified in my most recent communication with Service Mac that all mail must be sent to a particular address, and any correspondence sent elsewhere will be considered an invasion of privacy and inconvenient. Despite this request, Service Mac persists in sending mail to an inconvenient address. Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). Service Mac is committing identity theft by sharing my personally identifiable financial information with XXXX  parties without my legally obtained consent in order to deprive me of my rights ( 18 USC 242 ) and to collect on extensions of credit through extortionate means ( 18 USC 894 ). Pursuant to the XXXX and XXXX, consumers must be provided with a reasonable opportunity to prohibit the disclosure of their nonpublic personal information before it occurs. I assert that Service Mac 's actions are an attempt to commit identity theft, deprive me of my rights, and extort payments. As such, the contract/Promissory Note is void and unenforceable, and I may be entitled to damages for violations of the FCRA, XXXX, Uniform Commercial Code ( UCC ) , contract law, and New Jersey consumer protection statutes.
Consumer complaint received 2023-11-04
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)

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. 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 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 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.

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL 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.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

ACCEPTED FOR VALUE, EXEMPT FROM XXXX AND HONOR EXEMPT FROM XXXX, DEPOSIT TO UNITED STATES TREASURY WITHOUT PREJUDICE U.C.C 1-104, PUBLIC POLICY XXXX, TITLE XXXX SECTION 8, U.S.C 3123, U.S.C 5103, HOUSE XXXX XXXX XXXX XXXX XX/XX/year>, ARTICLE XXXX CLAUSE XXXX CONSTITUTION UNDER XXXX & XXXX AMENDMENT, U.S.C TITLE XXXX PART XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LAW, ADMIRALTY LAW, TRUST LAW, COMMON LAW JURISDICTION & XXXX
Consumer complaint received 2024-06-21
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. (NY)

I have on going identity theft issues where someone or some group is using my information to try to obtain lines of credit and loans. I have tried to get XXXX, XXXX and Equifax to remove this false info and It has been a struggle. The below items are all inaccurate because I did not authorize or provide my information for a hard inquiry to any of these companies. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SUNCOAST CREDIT UNION (FL)

To Whom It XXXX Concern, I am writing to file a formal complaint against Suncoast Credit Union regarding their actions, which I believe constitute a breach of contract and securities fraud. My name is XXXX XXXX XXXX, and I am a customer of SCU. The property in question is A XXXX XXXX XXXX XXXX XXXX. I entered into a Auto loan contract with SCU on XX/XX/XXXX in good faith for an original amount of {$56000.00}. 
On XX/XX/XXXX, after reviewing my contract and have seen that SCU had broken several laws. I contend that SCU breached our contract on XX/XX/XXXX by fabricated bank credit by means of a journal entry onto their books while representing that they were loaning me money from an existing pool of capital. This action constitutes a failure to provide proper consideration, a fundamental requirement for any lawful contract. Therefore, SCU lacks the right to enforce the terms of my promissory note or claim title to the aforementioned property. It is fraud for any business to fabricate assets on its balance. 
While many companies have been able to get away with this for a time such as XXXX, XXXX, XXXX XXXX, and XXXX, investigation proves that the companies success was deceptive, a paper fabrication. I request that SCU present evidence that the bank credit loaned to me came from an existing pool of capital. If this evidence can not be provided, I request that the title be forfeited back to me and I have sent notice to Revote power of attorney by way of US mail to Suncoast Credit Union over my property. 
In closing, on XX/XX/XXXX, Suncoast Credit Union, entered into a contract without providing full disclosure of all the details of the loan agreement. I was never told by SCU that my wet ink signature was creating the credit on a open end credit plan. It is my belief that I was deceived and was given a deceptive contract with intentions of holding me liable for a financial obligation that is not reasonable or lawful.

I will agree to pay any financial obligation which I might lawfully owe, under the condition that you provide me validation of the financial obligation including all accounting information. You must provide me a copy of the contract with my wet ink signature as well as the other parties wet ink signature. It is my understanding that corporations cant sign a contract and I will not accept a third party signing the agreement on your behalf. You must provide me with the equal consideration of interest from both parties in this contract agreement, as well as lawful terms and conditions. 
I will not accept and agree to a contract if it is not lawful. 
Please note that sending a statement with payment transactions does not constitute as a binding contract agreement. 
XXXX XXXX XXXX Without prejudice UCC 1-308
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/year> I received a telephone message advising that they would not allow a transfer of funds ( {$130000.00} ) to purchase a Treasury Bill. The funds in my account were fully liquid ( had cleared ). Every week for the last XXXX  months I have done this without event. I contacted the online savings bank ( Marcus by Goldman Sacks ) and spoke to the most uninformed clerks ( several times on XX/XX/year> ) who advised that " in their discretion they can refuse to transfer funds ''. I have been buying Treasury Bills via this account on at least XXXX prior occasions. Never a problem. In an attempt to speak to an intelligent knowledgeable person regarding this issue, I was stonewalled. I was told by some XXXX that I transferred my funds " too soon ''. The funds had totally cleared and there was not an issue of " uncleared funds. When I asked what " too soon '' meant I was not given an intelligable answer. I am frustrated because this online banking system ( Marcus by Goldman Sacks ) is totally inaccessible to the account holder. I have suffered financially by their actions. I would like CFPB to investigate this issue at once since they are basically forbidding me to transfer MY money as I see fit. I think there is incompetence at best and fraud at worst by Marcus 's conduct.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/year> to transunion regarding the disclosure of my consumer report to a third collection company XXXX XXXX XXXX.. i asked for the express written consent form, that says that transunion can share non public information with that third party collection company XXXX XXXX XXXX?. As you know I am a private living person with THE RIGHT TO PRIVACY///// YET TRANSUNION ILLEGALLY DECIDE TO DO A SHARE OF MY PRIVATE INFORMATION. I HAVE THE RIGHT TO PRIVACY .... 

FTC Matter/File Number XXXX XXXX XXXX Civil Action Number XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX The FTC taking action against XXXXXXXX XXXX XXXXXXXX XXXX XXXX for its lax data security practices that exposed sensitive information about millions of its customers and employees, including Social Security numbers, email addresses and passwords.

FTC Matter/File Number XXXX The Federal Trade Commission is taking action against the online alcohol marketplace XXXX  and its CEO XXXX XXXX XXXX XXXX XXXX that the companys security failures led to a data breach exposing the personal information of about XXXX XXXX consumers. 

XXXX XXXX XXXX, FTC v. 

FTC XXXX Number XXXX Docket Number XXXX XXXX XXXX FTC XXXX Number XXXX XXXX Civil Action Number XXXX
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (GA)

I would like to know why my insurance company has added the title loan company name on a check for the the repairs to my car. This has caused an inconvenience for me to repair my car that is damaged. The car is not totalled. I have purchased parts out of pocket to allow myself to be able to do necessary arrans to get this matter resolved. My insurance company does not offer me car rental services. The adjuster is treating me as if I am a criminal. I am current with both payments, insurance and tile loan. I need answers why I am a victim, and why the check is this way. No one seems to know the answer, and the insurance ajuster does not return calls.
Consumer complaint received 2024-07-14
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: Duvera Billing Services, LLC (AZ)

I recently checked my credit report and noticed some inaccurate accounts reporting. 

There is inaccurate information on all creditors for last reported, active, open, and payment date doesn't align with each creditor. Late payments are also different as well when creditor reported it to the credit bureaus. 

There are so many inaccurate information that has been falsified and reported.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I am getting calls where the caller is posing to be a USAA agent. They seem to have about the first XXXX of the numbers of my credit card and are trying to get the rest. This started around a month ago and I have notified USAA about the situation. My most recent activity was a call yesterday, XX/XX/XXXX at XXXX XXXX from XXXX XXXX. I had another call today, XX/XX/XXXX at XXXXXXXX XXXX. from XXXX. XXXX. They keep trying to convince me that they are from USAA and keep trying to get my full credit card information. This is a recurring activity of theirs. They have been able to spoof the USAA caller ID with the actual USAA phone number in the past.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone I dont know opened a Capital One Quicksilver credit card under my name without my consent. Ive already contacted Capital One fraud department as well as XXXX. I was told to submit a report to the FTC and was redirected to the CFPB.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I am writing to demand the immediate removal of late payments reported on my credit account. This late payment occurred while I was under the protection of the Billing Act. 

Despite complying with all necessary procedures outlined in the Billing Act, including [ briefly mention any actions you took, such as contacting customer service ], this late payment remains on my credit report. This is unacceptable and violates my rights under the Billing Act. 

I insist that this late payment be removed from my credit history immediately. Failure to address this matter promptly will leave me no choice but to escalate this issue further. 

Attached are copies of relevant documents supporting my case, including [ mention any relevant documents ]. 

I expect a resolution within XXXX  days.
Consumer complaint received 2024-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (WA)

Hello, I am writing you again to request funds for the rebuild on our home. 

My wife and I have been calling for 2 months, requesting the release of funds for the rebuild on our home. 

Each time we call we are told that a request for funds has been entered and will be released. We called on Monday, XX/XX/XXXX and were told that the request had been made and funds were approved for release. We were told today that the request had been denied on Friday, XX/XX/XXXX, and no explanation was provided. 

I spoke to a gentleman on Monday, XX/XX/XXXX once again requesting funds to be released. We were told an inspection would need to be done again, although no further work has been completed on the home, and we have scheduled a new inspection. 

My wife and I are VERY upset over this situation. We have continued to request funds for the additional DEMOLITION and REBUILD. We continue to be DENIED the money needed to complete the demolition and rebuild. 

We are demanding an explanation. Our XXXX XXXX XXXX and Agent have been alerted to the fact that funds are not being released according to the agreement of our contract, in addition to withholding the overage in excess of {$25000.00}. 

To remind you, my wife has XXXX and is scheduled for XXXX on Friday. You are creating a horrific hardship on our family and impacting the XXXX  of my wife. We have a daughter with XXXX and XXXX other children who need to go home. 

If you continue to withhold our money, you will force us into foreclosure as our XXXX  money will run out, and we can not afford to pay rent and a mortgage. 

This lack of communication and inconsistency with your reps is resulting in the delay of repairs to our home. RELEASE OUR FUND of {$380000.00}. 

Sincerely,
Consumer complaint received 2024-07-14
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: FactorTrust, Inc. (CA)

As a victim of debt bondage, a severe form of human trafficking, I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Misuse of my name, address, phone number, and social security number along with the XXXX XXXX inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( XXXX, XXXX, Transunion ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I am submitting this request due to LVNV Funding erroneous reporting onto my credit report. I have never conducted business with this company by the name of LVNV and from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that LVNV provide proof of this alleged debt. By Proof I am requesting the ORIGINAL APPLICATION/ CONTRACT and NOT some copies that they've received and purchased for little pennies and trying to get substation-ally amount of hundreds of dollars BUT A INSTRUMENT BEARING MY SIGNATURE WITH LVNV FUNDING Reference Number : XXXX. In addition please provide the contract signed between LVNV AND XXXX XXXX XXXX  ; a notarized and sworn under penalty and perjury for LVNV FUNDING to have the ability to collect this alleged debt. 

Debt collectors/ BUYERS are not CREDITORS, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are ABLE to collect debt that ARE NOT theirs. They are being WILLING-FULLY non compliant. This is inaccurate reporting! AND PER MY RESEARCH According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAX POSSIBLE accuracy of the information concerning the individual about whom the report relates! I BEG OF YOU TO INVESTIGATE THIS CONCERN BECAUSE THIS IS REFLECTING MY LIVELIHOOD. THANK YOU IN ADVANCED