davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

I requested a pandemic forbearance which ended on XX/XX/XXXX. Before ending, I started contacting XXXX XXXX to find out what my options were after the period was over. I was told every time that, they could not say anything until early XXXX. during the forbearance period, XXXX XXXX, did not cancel the foreclosure sale date, however, it extended every month, and it was scheduled for XX/XX/XXXX. 

when I called XXXX XXXX on or about XX/XX/XXXX, I was told that I should apply for loan modification. when I went online to file my application, there was a note stating that, XXXX XXXX had everything it needed to make a decision. A few days later, on XX/XX/XXXX, they denied my modification or my request to resume the regular payments. They told me that the only option was to pay the entire past due amount of {$480000.00} or the house would sell in auction. I was monitoring the trustee sale scheduled for XX/XX/XXXX every day, one day when I checked, there was no sale date, I called the trustee 's office and was told that the sale was canceled. 

A few days later, on XX/XX/XXXX, someone from XXXX XXXX called me and stated that I had over {>= $1,000,000} equity in the house, and I should just go online and apply again for loss mitigation, I did. I just received another denial stating that my request was denied. I called XXXX XXXX and was told that it was either pay the whole amount or sale in auction which could be scheduled soon, she said that there was a hold but that hold could be lifted any time.
Consumer complaint received 2024-04-03
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)

I have reason to believe that XXXX XXXXXXXX refused to drop my name from their books and continued to charge loans in my name. I enrolled in the in the school and quickly found out that their accreditation were questionable, so I dropped the classes. Years later, I notice that all of those classes were charged in my name.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I notified Capital One that I was in a car accident in XXXX of XXXX. I told them that I would need to freeze, cancel or stop my card because I had no way of making any future payments, because I was now out of work indefinitely. Capital One one told me that I could NOT do any of those requests. I had a very small limit, so I was not adding any purchases. The Fees that generated over months are what caused the card to max me out and over my limit. I reached out to Capital One again, as I noticed the monthly service fees kept rising from {$25.00} to over {$100.00} a month. I literally begged them to stop billing me. I advised them on how they were purposely hurting my credit because I had asked to be removed after my accident occurred. I reminded them that I was out of work due to my medical restrictions from this accident. My credit has dropped well over XXXX points due to their reporting. Capital One told me again, I didn't have any options except to wait until it was charged off. I think this is outrageous! Instead of assisting me Capital One took advantage of my situation.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to TransUnion 's report, it states that I owe {$1700.00} to XXXX, which is not accurate. I have only missed one payment, and the monthly payment is {$580.00}, making the total discrepancy glaringly false. Such misinformation has resulted in a significant drop of over 30 points in my credit score. 

I want to emphasize that this misreporting is not only misleading but also a clear violation of fair credit reporting laws. As per my understanding of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report accurate and verifiable information. In this case, the reported amount and its impact on my credit score are not reflective of the actual circumstances. 

The inaccurate reporting by TransUnion has had severe consequences on my financial standing, affecting my business opportunities and overall well-being. Given the potential long-term ramifications, I am compelled to inform you that I am considering legal action to seek damages for the harm caused to my credit score and subsequent adverse effects. 

I kindly request your prompt assistance in investigating this matter and rectifying the inaccurate information on my credit report. I believe it is crucial to uphold the principles outlined in fair credit reporting laws to ensure the integrity of the credit reporting system. 

Enclosed with this letter, please find supporting documentation, including proof of the correct payment amounts and a record of my payment history with XXXX.
Consumer complaint received 2024-04-03
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. (NC)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my third endeavor 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 records 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 an alleged fraud or extortion. 
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
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (PA)

I sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX Account number : XXXX XXXX XXXX number : XXXX XXXX tracking Number : XXXX XXXX tracking number : XXXX Equifax tracking number : XXXX
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

PNC/XXXX dept will not refund my XXXX $ where I was scammed on XXXX  and they will not treat it as a chargeback for item not received. ON XX/XX/XXXX I thought I was talking to a friend of a friend via XXXX XXXX to purchase a mixer. She asked for a deposit as she was selling multiple items. Her name was XXXX XXXX XXXX. XXXX  has already flagged it as fraud, XXXX has too and so has XXXX ; however, twice PNC has denied my request to do a chargeback to get my XXXX $ back since this scammer pretended to be someone else and hacked their account- whom I did know as a friend. I thought I was sending money to that friend but her account was hacked. They then sent me a fake address to pick it up then a fake text saying they refunded me so I would not pursue more action. PNC did not reach out to me like I asked to gather all the proof I have showing I paid for something I did not receive. they are just treating it like a typical XXXX  transfer that I authorized. I did authorize this to XXXX XXXX and not the person who hacked her account. I also did not receive the goods I paid for which should fall under a chargeback. I am most frustrated that they have not asked for or allowed me to share all the proof I have from the scammers admitting they scammed me which should at least be proof to give me a refund. The PNC XXXX  customer agent said they don't refund because I authorized it. However, this particular scam should fall under a chargeback for item not received and paid for like any credit card merchant that they would honor.
Consumer complaint received 2023-12-29
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. (MS)

Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear TransUnion, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. Upon reviewing my credit report, I noticed that you have added an address without my explicit consent, and my new auto loan is being reported without proper authorization.

I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices.

2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately.

3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act.

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. 

I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (MD)

Submitted completed borrower assistance form, and requested documentation to company to receive assistance in avoiding foreclosure as I was affected by XXXX. The company has continued their efforts to foreclose ignoring any communication from me. Ive emailed them everything requested to the email provided by the mortgage company representative via chat, as well as the fax number provided. To date, I continue receiving court foreclosure notices and filings- but absolutely NO communication regarding assistance. 


They have ignored my continued repeated efforts to avoid foreclosure, and instead fabricate narratives in order to foreclose on my home. All my attempts have gone ignored. I have received no workout plan, trial payment plan, modification etc. 

Consumers have rights, and they have violated those rights for their own financial benefit despite the rules put in place to protect consumers from such predatory and unethical behavior.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-03
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 am shocked these teams are on my credit file! No wonder Equifax and XXXX is being sued in XXXX because you out inaccurate information and fraud stuff on people report of XXXX XXXX. Remove these XXXX accounts I have no idea who the owner is! I will sue because of deformations remove these accounts
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my third endeavor 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 records 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 an alleged fraud or extortion. 
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
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention a matter of serious concern regarding my personal information and credit report, which involves violations of MULTIPLE provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization. 
TransUnion is a for-profit company, and while you are regulated by the law, you are not a government entity. You are getting paid to collect and store NPI ( non-public personal information ) which is racketeering and identity theft. I have NOT authorized TransUnion to collect any information on behalf of my estate, XXXX XXXX XXXX. Please furnish any agreement stating otherwise. XXXX, as defined by XXXX XXXX XXXX, a pattern of illegal activity carried out as part of an enterprise that is owned or controlled by those engaged in the illegal activity. 
Having a subscription or a fee to obtain NPI to be used in any manner unauthorized by the man or woman is illegal. You are a non-affiliated third party who then provides information to another non affiliated third party. Section 502 ( c ) of the GLB Act strictly limits the reuse of information, that of which you are again in clear violation of. 

15 USC 1681a emphasizes the importance of maintaining accurate and up-to-date credit information to promote fair lending practices and protect consumers ' rights. INCORRECT SPELLING OF MY NAME, ADDRESS, CHARGED OFF ACCOUNTS, LATE PAYMENTS, AND MUTIPLE HARD AND SOFT INQUIRIES. I did NOT complete a Social Security Administration Form XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. Any violation of this act can result in severe penalties under 15 USC 1681n, which includes statutory damages. Invoice is attached.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.