davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Onity Group Inc. (AZ)

My mortgage originated XX/XX/XXXXXXXX  with XXXX XXXX which was included in a XXXX  XXXX Bankruptcy and the debt was discharged XX/XX/XXXX. I am still residing in my home as I chose to " pay and retain '', however DID NOT reaffirm the debt nor did the creditor obtain a relief from the automatic stay. 

On XX/XX/XXXXXXXX  my mortgage with XXXX XXXX was transferred to PHH for servicing. Although XXXX XXXX discontinued credit reporting as required under the bankruptcy laws, PHH unfortunately resumed reporting my mortgage balance, payment history, etc. to all XXXX major credit bureaus. 

After consulting with an attorney about this, I have been advised that the credit reporting of the account by PHH is a direct violation of Bankruptcy Code. See 11 U.S.C. 362 ( k ) and willfully violates the automatic stay as this violation injures an individual. The law also requires the creditor to pay the individual actual damages, including costs and attorney fees, and may be required to pay punitive damages to punish this violation.

Before I pursue legal action, I am requesting that PHH provide me with supporting documentation verifying how they are able to report my mortgage to the credit bureaus when the debt was successfully Discharged in a XXXXXXXX XXXX  Bankruptcy, not reaffirmed and Relief from the Automatic Stay was NEVER obtained by the original creditor? 

Prompt and immediate attention is greatly appreciated. 

Thanks!
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

XXXX XXXX has not updated my Equifax credit score since XX/XX/2023. 

I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Date of Letter : XXXX XXXX XXXX Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Unauthorized Charges That Were Not Made on My Physical Card With XXXX XXXX XXXX XXXXXXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX XXXX  via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LJ Ross Associates (VA)

In XX/XX/year>, I saw that there had been a negative action ( collection ) on my credit report. It was from L J Ross Associates XXXX Inc. collecting on a supposed {$260.00} pass due amount as of XX/XX/year> related to XXXX XXXXXXXX XXXX XXXX There was never any notice that they were collecting it or that it was in collections. The bill of {$260.00} from XXXX XXXXXXXX should never have happened as I had communicated with XXXX XXXX that it was not correct and they said they would backdate the bill, but they did not do so and thus gave me the impression that everything had been corrected. They also said I didn't have to worry about the bill during the time that it was getting disputed and never informed me that it was still overdue and was going to collections. 

After I saw the notice that my credit score had decreased by approximately XXXX points, I contacted XXXX XXXXXXXX who finally corrected the matter and showed that rather instead of having any amount due to them, XXXX XXXXXXXX actually owed me. I informed the three credit report agencies ( XXXX, XXXX and XXXX ) of this and disputed it and they have yet to do anything on the matter. My credit score has still be significantly negatively impacted by this. When I called L J Ross Associates to discuss with them about the collections, they informed me that they no longer have the actual collection and that it is with Washington Gas and would not provide any other information. I asked them about their collections on my credit score but they did not confirm that they are doing anything to revert their collections filing that has severely and adversely impacted my credit score. This should never have happened. There should have been notice provided so that I could contact the appropriate person before the collections was ever filed. Once it has been filed, it does irreparable harm to your credit score even though it is false and untrue.
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

excerpt from penfed chatbot. trying to payoff my auto loan with my credit card, chat say i can walks me through it, Penfed says i can not. XXXX chatbot is giving out false information potentially harming me. 


make payment on auto loan with credit card What is the payment for? You can select from below or enter something like " mortgage '' or " student loan. '' PenFed Online Banking Assistant Choose one of the following options auto loan Is this auto loan payment a one-time or a recurring payment?

PenFed Online Banking Assistant Choose one of the following options One-time payment To make or set up a one-time auto loan payment with your credit card : 1. Scroll to your loan and click Make a Payment.

2. Set the paying account, amount, frequency, and other options.

3. Click Continue, review the payment, then Submit. 
You can get more information in this article : How to Make Loan Payments Did this help? 
PenFed Online Banking Assistant XXXXXXXX XXXX yes XXXX XXXX Is there anything else I can do for you? 
PenFed Online Banking Assistant XXXXXXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I asked Equifax to delete late payments and adverse accounts showing collection or charge offs. I did not give written consent for these adverse accounts to be reported on my credit report, further more Equifax had a security breach in which my information was impacted. My life has been negatively impacted by this as I can not get the credit that I need at this time.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I asked the consumer credit reporting agencies ( XXXX, XXXX, Transunion ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I do not recognize the credit inquiry from XXXX XXXX XX/XX/XXXX  and I have asked for it to be removed but they did not remove it. I am providing an identity theft report attached and I am requesting for it to be removed because it is inaccurate and not mine.
Consumer complaint received 2023-11-30
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. (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.

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 2023-11-30
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. (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.

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 2023-04-12
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. (SC)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2023-04-26
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: Source Receivables Management LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-30
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. (TN)

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 XXXXXXXX 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.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Immediate Removal of Outdated Information from Credit Report and Compensation for Violations Dear XXXX XXXX XXXX and Equifax Information Services LLC , I am writing to request the immediate removal of outdated information regarding my account from my Equifax credit report dated XX/XX/XXXX . According to the Fair Credit Reporting Act ( FCRA ), negative information such as late payments or collections should not be reported for more than 7 years from the date of first delinquency.

The account in question is : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid and Closed Since the last activity on this account was in XX/XX/XXXX, it has been well over 7 years and this information should no longer appear on my credit report. I kindly request that both XXXX XXXX XXXX and Equifax investigate this matter and take the necessary steps to ensure this outdated information is removed from my credit report promptly.

In addition to the removal of this outdated information, I am seeking compensation for the violations of my rights under both state and federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and any applicable state consumer protection statutes. The continuous reporting of this outdated information has caused significant harm to my creditworthiness and financial well-being over an extended period.

Based on these violations and the harm caused, I am demanding compensation in the amount of {$10000.00}. This amount is intended to cover damages related to the negative impact on my credit report, financial distress, and any other related inconveniences.

Please confirm in writing that this correction has been made and provide details on the compensation for the violations incurred. If this matter is not resolved to my satisfaction, I will consider pursuing further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

Over past few weeks, multiple charges declined at multiple vendors on multiple dates. I have spoken with customer service, fraud division and supervisors, all tell me they will take care of it but it continues to occur. Several of the people I have dealt with barely speak XXXX and seem to have no clue. Their job seems to consist of talking and maybe writing with no actions take for correction. The " supervisors '' have been give the gift of hanging up and if they do not like your tone of voice they disconnect. I was told I have the highest level of clearance on my charges XXXX  times yet I am still getting declines. I am a XXXX  with this company for XXXX  XXXX  years, ALWAYS pay my bills, have excellent credit, this should not be happening. Late for meetings all day yesterday because of over XXXX hours wasted on phone calls with Chase.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I believe Capital One has committed an egregious UDAAP violation against myself and all former XXXX Direct savings account owners ( otherwise noted as Capital One 360 Savings owners post-acquisition ). Capital One created an exactly comparable product called the 360 Performance Savings ( vs Capital One 360 Savings ) with a greater interest rate and all the same account services and benefits. They are still providing legacy account holders a 0.30 % APY while new customers opening the exact same account receive a 4.10 % APY. When I contacted the bank to clarify this problem, they told me I could close my account and open a new one. This seems like a very deliberate attemp and unfair practice that intends to capitalize on banking customers not catching the change or rate difference.
Consumer complaint received 2023-04-01
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. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to have the fraud alert removed from my transunion account. I have sent the request through the mail and I am also uploading it here in hopes Transunion actually receives it.