davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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: FIRST NATIONAL BANK OF OMAHA (NY)

XX/XX/XXXXXXXX  i submitted a complaint to the cfpb, CFPB Case Number : XXXX Stating FNBO has no permissible purpose to furnish my report, their response makes legit no sense as to they have actual claimed fault let me explain As stated in the response, Item # XXXX of the Promissory Note states that information about your loan may be reported to credit bureaus and that late payments, missed payments, or other defaults on your loan may be reflected on your credit report. You signed this document electronically on XX/XX/XXXX. We can confirm that the account was charged off in XX/XX/XXXXXXXX  and is being reported as such. On XX/XX/XXXXXXXX  Your response is indication that you have furnished and shared my consumer report without my written instructions to do so, in violation of 15 U.S. Code 1681b ( 2 ) which is an unfair act pursuant to 12 U.S. Code 5531 ( c ) ( 1 ) ( A ). I also state you have taken unreasonable advantage of my lack of understanding of the terms and conditions of your financial products and services, in violation of 12 U.S. Code 5531 ( d ) ( 2 ) ( A ) being such actions is a abusive act I have not given you direct consent as a consumer reporting agency, thinking you as a financial institution are lawfully allowed to furnish my information when singing the agreement i believed it was legal and lawful I was misinformed and confused from your abusive acts misleading acts, Banks response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) obtained and used a consumer report for a purpose not authorized to be furnished under 15 U.S. Code 1681 ( b ) Banks response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) no certified purpose in accordance with section 1681e of the FCRA Additionally, I believe that FBNO actions in this matter constitute an abusive act or practice under 12 U.S.C. 5531 ( d ) ( 1 ), as they materially interfere with my ability to understand the terms and conditions of my consumer financial product or service. 

Pursuant to 12 U.S.C. 5531 ( d ) ( 2 ) FBNO has also taken unreasonable advantage of my lack of understanding of these terms and conditions, as well as my inability to protect my interests in selecting and using this financial product or service, and my reasonable reliance on FBNO to act in my interests. 


In accordance with 12 U.S. Code 5536, it is unlawful for a covered person like FNBO to offer or provide a financial product or service that does not comply with federal consumer financial laws, or to engage in any unfair, deceptive, or abusive act or practice. I therefore request that you take any action authorized under 12 U.S. CODE CHAPTER 53 SUBCHAPTER V Part E to prevent FBNO from further actions of such behavior a lawsuit may be filed if you fail to comply with the deletion of this account
Consumer complaint received 2023-04-27
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: TD BANK US HOLDING COMPANY (WA)

This company is reporting the account as charged off every month. I haven't made any payments on this account. It is illegal for them to do this since the account has been closed for almost 5 years. They marked charge off for 63 months.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (CA)

I have had an IRA account with Truist then Sun Trust for the past XXXX years. I opened the account through an employer, and at that time, it was with Sun Trust. I used to receive my statements until XXXX. About a month ago, I contacted them to transfer my money out of Truist, and they advised me to create an online account to have access to my funds. I created the online account on XX/XX/XXXX, and clicked on 'Documents ' to get my statement. However, I received an error message saying, " Service Unavailable. The service you are attempting to access is currently unavailable. Please try again later. If the problem persists, please call XXXX ( XXXX ). '' I called Truist customer service, and they told me to contact the local branch as my account was with them. When I called the local branch, they informed me that the system should be up soon. However, even after XXXX months, I am still getting the same error message online. 

I called Truist again, and this time, they told me that they don't know which local branch my account belongs to and gave me the number of the headquarters branch. Unfortunately, there was no option to speak to a real person. So I called customer service again, and they informed me that they do not provide IRA statements online, and I would have to wait to receive them by mail. They also told me that they would need to learn which local branch my account belongs to. Once again, they gave me the number of the headquarters branch, but there was no option to speak to a real person. 

I am seeking assistance in getting a statement to transfer my money from Truist to another institution.
Consumer complaint received 2023-07-13
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. (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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-11
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)

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (CO)

I received notification on my Freedom Mortgage on-line account on XX/XX/XXXX that my loan servicing was being transferred to ( JP Morgan/Chase Bank N.A . ) . The effective date of the transfer was XX/XX/XXXX. They failed to give me the required notice within 15 days. They state they sent a letter dated on XX/XX/XXXX via XXXX. Unsure if the letter went out on XX/XX/XXXX and Freedom Mortgage could not provide any proof that it did, but I did not receive it until approx. XX/XX/XXXX. I received a letter from the new loan servicer JP Morgan/Chase on approx XX/XX/XXXX that was dated on XX/XX/XXXX. In the letter it stated that they were my new loan servicer and that I would be able to make my first payment on Chase.com or their app or on-line on XX/XX/XXXX. It did not provide any additional instruction in the event I wanted to payoff the loan prior to this date. I intended to payoff the Mortgage on the XXXX of XXXX, but was unable to due that because JP Morgan/Chase said that the account wouldn't be set-up and available until XX/XX/XXXX. I was unable to login and get a pay-off amount and JP Morgan/Chase did not provide instructions in their letter on how to payoff a mortgage before the account was set-up. When the account went active on XX/XX/XXXX, I tried to access the payment link on the web page and got error message each time I tried. On XX/XX/XXXX, I tried a again and was able to get the link to work, but when I tried to link a payment account, I got error messages stating the instant linking ran into a problem and it would take XXXX days to link the account per a different procedure. This would have led to more interest accrual. I then called JP Morgan/Chase and asked for a retro-active payoff amount for the date of XX/XX/XXXX. They said they couldn't provide that and I would have to pay the current payoff amount. This means that I incurred a daily interest on the loan balance of {$17.00}. This resulted in a total interest increase of {$180.00} to the loan balance when I paid it off on XX/XX/XXXX. I believe that they did not act in good faith on providing instructions on how to payoff the loan prior to the account becoming active on-line. I asked them to refund the interest amount of {$180.00}, but they refused. I then was told that I could go into a Chase bank and payoff the mortgage in person which I did on XX/XX/XXXX. The payoff amount included the interest that I am disputing.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I HAVE NOT ENTERED INTO A MONETARY CONTRACT WITH CCS COLLECTIONS. I NEVER SIGNED ANY DOCUMENTS STATING THAT I OWED THEM ANY MONIES OR DEBTS. 
THIS IS AGAINST THE RULES AND REGULATIONS OF THE FCRA
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (SC)

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 : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX, L XXXX : XXXX XXXX XXXX THESE PHONE XXXX XXXX XXXX BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : HELPING HANDS/PTA/ - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX// - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX/ Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE PHONE NUMBERS DO NO BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX// - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (NC)

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN HONDA XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose XXXX me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) 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 I never gave EQUIFAX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Consumer complaint received 2023-10-12
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. (MD)

I have received a response from Transunion. On XX/XX/XXXX I have sent a letter regarding on the ability to opt out of multiple accounts on my consumer report. Transunion is being deceptive and changing the topic on a letter I have hand wrote. I have hand wrote it because I know an automated system could not detect my handwriting, so only a natural person can read and understand on my statements. Transunion has sent me a identity theft by mail in which they are being false, misleading, and deceptive because they are the person who sent my personal information to third party affiliations without my permission which is identity theft. This is a violation of permissible purposes of the fair credit reporting act and a violation of 15usc6802. I stated in 15usc6802 ( b ) ( A ) ( B ) ( C ) I have not received any explanation on how I can exercise the nondisclosure option. Attached to this response is my handwritten letter and Transunions response. I want to opt out of the XXXX XXXX accounts from consumer report.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

On multiple occasions I've noticed a late fee charged to my account although I was not late. Some times I was credited by them others I had to point it out. I want a full investigation of my account from the day it was open. In XXXX I made two payments 1 for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. None of my XXXX payments were posted on my statement but a XXXX late fee was charged to my account and the same in XXXX which was credited back. There is clearly a problem that needs to be addressed with their system.
Consumer complaint received 2023-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

MIDLAND CREDIT MANAGEMENTHAS NOT REMOVED NEG INFO FROM MY CREDIT PROFILE ALTHOUGH THEY ARE UNABLE TO SUPPLY ME WITH PROOF OF OWNERSHIP, ORIGINAL CONTRACT, AND CORRECT BALANCES. NEG INFO CONTINUES TO BE USED ULAWFULLY AGAINST ME.