davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Every time I ask for my bankruptcy to be removed you state it is verified. We are past that. It doesnt change you violated 15 USC 1681 A AND 4. Indeed, the Fair Credit Reporting Act ( FCRA ), specifically in section 15 USC 1681 ( a ) ( 4 ), emphasizes the importance of consumer privacy rights. This section acknowledges and establishes that individuals have the right to privacy when it comes to their consumer information. It requires consumer reporting agencies to maintain reasonable procedures to ensure the confidentiality, accuracy, and security of consumer data.

The FCRA sets guidelines for how consumer information is collected, shared, and used by credit reporting agencies, and it grants consumers certain rights, such as the right to access their credit reports, dispute inaccuracies, and protect their personal information from unauthorized access.

The correct reference is 15 USC 1681b, which outlines the permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ).

Section 15 USC 1681b establishes the conditions under which consumer reports can be accessed and used by various entities, such as employers, creditors, insurers, and landlords. These permissible purposes include : 1. To evaluate a consumer 's creditworthiness before extending credit or issuing insurance.

2. To review an individual 's suitability for employment purposes.

3. To underwrite insurance policies or assess claims.

4. To evaluate eligibility for government licenses or benefits.

5. To conduct a legitimate business transaction initiated by the consumer, such as opening a bank account or entering into a rental agreement.

6. To gather information for legitimate business needs in connection with a business transaction involving the consumer.

7. To comply with a court order or federal, state, or local laws requiring the disclosure of consumer reports.

It's important to note that these permissible purposes are defined by the FCRA and serve as a framework for protecting consumer privacy while enabling appropriate access to consumer information when needed.

Please remove Bankruptcy from credit report. This is identity theft. Bankruptcy court does not furnish anything to credit agencies due to privacy violations
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (CA)

EXPERIAN AND XXXX XXXX..REFUSE TO EXCEPT MY DISPUTES. EXPERIAN REFUSES TO DO THERE JOB CORRECTLY VIOLATING MANY LAWS
Account name
XXXX
Account number
XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX
Account number
XXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXX  Account name
XXXX
Account number XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX XXXX  Account number
XXXX  ACCOUNT NAME XXXX XXXX
Consumer complaint received 2024-03-15
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. (LA)

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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXXXXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX  XXXX XXXX XXXX XXXX  Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX APARTMENTS. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-11-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing is attempting to collect a debt that is already canceled. Under UCC 3-601 ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.

( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.

I have legally discharged this debt and provided notice to Specialized Loan Servicing of my doing so. Legally I am not bound to performance as it has been meant under this simple contract. Furthermore if Specialized Loan Servicing is refusing to accept the payment then the debt is automatically discharged. 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.

Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.

( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.

( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.

Specialized Loan Servicing has provided me no value for my financial asset that they are profiting from. The proceeds from my collateral is being used to pay investors and shareholders which should include me as I am the only holder in due course. If Specialized Loan Servicing has evidence as to me truly being indebted I ask they provide it. Not the simple contract but the official bank ledger that would show the debit from the account of Specialized Loan Servicing to me as a credit. This would prove that I am indebted otherwise Specialized Loan Servicing has defrauded me into believing that loaned me something of value and they did not instead they have profited from the exchange of my security,
Consumer complaint received 2024-04-08
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (PA)

When our original homeowners insurance jacked or premium up from XXXX to XXXX, I began shopping for a new policy. However, SLS simply paid out the increase and then re-estimated our escrow account and increased our monthly payment by {$300.00}, a 17 % monthly payment increase. 

At no time did they verify if we had accepted such a ridiculous premium increase. They did not act as an agent or a fiduciary of the borrower and simply forced us through the escrow to pay such a massive increase. 

After I eventually found a reasonable provider with a premium that was lower than the original {$1400.00}, we submitted a request to cancel the escrow account. SLS refused siting the homeowners policy. The date of the refusal was AFTER my new provider had actually submitted the new declaration page. XXXX XXXX informed us of the regular difficulty they have working with SLS.

I had paid our new insurance directly, I had informed SLS I was paying it directly, yet SLS simply turned around and paid out the entire premium out of the escrow account. SLS has been notified that XXXX XXXX will only accept payment from the client, yet continues to be obstructionist in cancelling the escrow account. 

First, the CFPB needs to materially review the regulations around escrow accounts. 

Second, the CFPB needs to materially review rules around servicing transfer. The borrowers have no say in these transfers even though the borrowers are the most impacted
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

I opened this card with Citi bank XXXX XXXX, from the beginning has been nothing but problems. Initially I received a card. And was told they had put a block on my account because they could not verify who I was. I then was asked to go into a store with my I'd and social and they then could verify me which that for whatever reason was incorrect I then was told they had to text a phone that they could reach me on of someone living in my household to verify me I have done this multiple times with problems to noavail I then was told they would send me a letter, then I was told I didn't need the letter then I did need it. However have never received it.i asked to add an authorized user to my account big mistake because they shut my card off and reported it stolen. Then sent me new cards which so I was told by them were returned to them. So they shut those off and reported lost or stolen and sent me a new one. I have yet to received it. All of this has been going on since like XX/XX/XXXX and this is XX/XX/XXXX. In the process they have had my account on hold where I can't make payment online or over the phone without this letter that I've never received. So I have not been able to use the original card due to them since I got it, I haven't been able to make a payment because of the hold for this letter to verify who I am yet I have given them everything including my right arm and none of it is good enuff they want this letter that I don't have along with cards I don't have. I've asked to close the account and was told I can not with out this so called non existent letter, I've asked to have the authorized user removed because he is XXXX it's effecting his credit score I was told no they can't until I receive this letter. They reduced my credit limit without my permission or knowledge. Which initially the limit was XXXX and we spent XXXX on the card which was reasonable to keep it reporting good to the bureaus. They now have reported it as late payments yet I can't pay it cause they are idiots and have the account blocked and on hold and then they're going to report it against me that makes sense. Then on top of it they changed my limit to XXXXand are reporting it to the credit bureaus as 98percent usage on the card again their fault not mine. So your list to choose from shows multiple issues with this company and I'm about to get an attorney and sue them for all the headache this whole thing has caused me.
Consumer complaint received 2023-11-29
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: ENCORE CAPITAL GROUP INC. (IA)

Midland credit management had gotten an account to a credit card that was closed, when MCM contacted me they told me if i didnt set up a payment agreement with them they would take me to court, take my home or my wifes car if i lost in court to pay the debt, i set up a payment agreement for {$50.00} a month until paid in full was informed that if I canceled the agreement they would claim the full amount from my bank account and if they could not get the full amount from my bank account they would take me to court, i filed a complaint with CFPB due to them reporting missed payments but not payments made, their responce to the complaint was to stop the pay agreement, they refused to answer any calls i made to them for over a month, during the time of 30 days they had reported missed payments to XXXX and reported collection to XXXX XXXX XXXX has already removed this account from my report because MCM lied on the report, reporting missed payments the whole time, i sent screenshots of my bank account and letters MCM sent me showing payments made ( i still have the proof ) now the MCM has stopped the pay agreement as their responce for me filing a complaint with CFPB this is retaliation as they are damaging my report even worse then before! All i wanted was for them to report payments made as even though they was reporting the balance it was not explaining how payments was being made, i have been denied all forms of credit because of what they have done, they even lied to me on the phone saying they can not remove it from my credit report as they " didnt put it there '' so i know for a fact everything they are saying is a lie, so for this Retaliation, falure to accept payment, falsly reporting to credit bureaus and deception practices, i want them to remove this account from my credit report.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, 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. (TX)

Hi XXXX! This is XXXX XXXX XXXX XXXX. I checked my credit report and are inaccuracies on my name and addresses. Also, I have these unknown inquiries on my credit report and I would like them to be deleted immediately. I filed this unauthorized inquiries over Identity theft and I disputed it to the XXXX main bureaus as well but still on my current credit report. 

Here 's the list of the said inquiries and the date where it says I inquired : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, please update my name to XXXX XXXX XXXX XXXX. That's the only name I used for my entire life and my address to XXXX XXXX XXXX XXXX, XXXX TX XXXX only.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (TX)

They call just about every day or every other day. When I answer, it's a bot instead of a person. They request that you call back a different number that they call you from if you want to speak to a human. Once you do get a hold of a person, they are rude and very short with you. I've requested multiple times that they send a debt validation letter but they have yet to send it out. I've requested that they stop calling me until they send a letter and yet they still send automated calls.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Ive noticed accounts on my consumer report as I was looking to purchase a home, Ive noticed so many fraudulent accounts that arent mine. 

Please if you can assist me on removing this inaccurate information from my consumer report.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Nature of the dispute -- -- -- -- -- -- -- -- -- -- - I had 2 accounts in Bank of America - Checking Account and Savings Account. As I have been staying outside USA for more than 5 years now, I called up the Bank of America from XXXX and requested to close these accounts ( attached is the email confirming closure of these accounts from Bank Of America ). On call, they had stated that, they will mail me the cashier cheques to the address they have on their file ( Address in XXXX ). However, even after multiple follow ups and more than 8 months, I still did not receive the cashier cheques. 

Date of the Transaction -- -- -- -- -- -- -- -- -- -- -- - Date on which account was closed - XX/XX/2023 ( as per the email I received ) Amount of money I deposited in my accounts and Bank of America promised to send me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount which was in my Checking account - ( when being closed )- {$1500.00} Amount which was in my Savings account - ( when being closed )- {$500.00} What the Business committed to provide me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Cashier cheques worth the money noted above for both the accounts. 

Whether or not business has tried to resolve the problem -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I had contacted the Bank multiple times to follow up on the issual of cashier cheques- XX/XX/2023 ( raised service request tkt # - XXXX ), XX/XX/2023 ( Raised CASE ID XXXX ), XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time the call is made, even though it appears that they are trying to resolve the issue, the cachier cheques never reached me. 

Each time I made the follow up call, they told me they are cancelling my already issued cheques and re-issuing again. It will reach me after XXXX business days since its foreign address ( address in XXXX ). This number of days ( XXXX ) or ( XXXX ) changes depending on the person I get to speak with. 

As of the latest calls made on XX/XX/XXXX and XX/XX/XXXX, bank has not been responding after listening to my details over call. I have been kept on hold for abuot XXXX minutes without any acknowledgement or response from the other end post which I had to drop the call myself. 

Account\Order\Tracking Number -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They never shared any tracking number with me as they told cheques would be sent via XXXX.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A number of fraudulent transactions were posted to my credit card by XXXX. Capital One has stated that they received information indicating that the transactions were not fraudulent, but has refused to provide that information to me so that I could verify. They refer to the information as " non public, '' but is information about my account.
Consumer complaint received 2022-12-20
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ).

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

The customer service representative told me I didn't have an account. As I continued to login, she said I didn't have an account. Then the system, showed the account was open and had a security freeze that i lifted yesterday. 
I have been frauded and working my whole life for nothing. This country is terrible, and no one is helping me. 
PLEASE HELP ME.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have made multiple attempts to unfreeze my credit with Trans Union. Their website doesn't work, their chat service is a joke, it goes round and round saying the same XXXX info that doesn't work either. I finally had to call wait to get someone and they asked questions about where my dad 's 4th wife lives who I haven't spoken to for 39 years. They were married for several months when I was 19ish. 
It was a ridiculous frustrating process that took an hour to simply unfreeze my credit. Credit I never asked them to data base or spit out some XXXX  score. They should not be allowed to operate basically holding my ability to manage my credit hostage!

Also, I was told just now they discontinued the pin number ID ( which I have ) and I was never notified. They asked me to approve receiving an email from them but wouldn't tell me what the contents of the email would be. How is that even legal? You can't consent to what you don't know! 
Please force them to shut down- they don't deserve to be a company! 
If as a consumer, I could choose to not work with them - I would! 
Thank you, This happened today XX/XX/2023.