davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My loan servicer was changed effective XX/XX/XXXX from XXXX to SPS but XXXX XXXX XXXX XXXX is the actual mortgage company. On XX/XX/XXXX, The Maryland HAF program sent a payment in excess of {$15000.00} to cover my back mortgage payments under a grant program. These funds have not been applied as of yet and I continue to get of the foreclosure notifications from them as well as outside entities, both phone calls and mailings. My last follow up with them was XX/XX/XXXX in which the representative stated that they've identified the funds and they should be credited on XX/XX/XXXX however this has not been done. I have also not been permitted to make loan payments which concerns me as well.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank closed my deposit credit card on XX/XX/2023 and there is XXXX balance due everything is cleared. Just 2 months ago they suddenly fraudulently sent information to the XXXX credit bureau claiming I owed them {$150.00} which I do NOT even have any Capital One card in hand. I tried to reach out to them several times and customer service told me they did not what was going on about this fraudulent scam and they did NOT care. Please help me to this fraudulent scam report which affects my whole XXXX XXXX and life!
Consumer complaint received 2023-03-05
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: Dovenmuehle Mortgage, Inc. (CO)

The company is Dovenmuhele that I'm complaing about. So I was out of work due to a back injury and placed on short term XXXX which was a huge decrease in pay. I as well had a severe case of covid that caused loss of income. I immediately contacted my house for a program through loss mitigation in XX/XX/XXXX. We constantly sent in stuff and begged for assistance this entire time. They finally offered us a modification in XX/XX/XXXX. So we stayed an active case in loss mitigation this whole time. In XXXX, XXXX and XXXX of XXXX we began the trial period for the modification with all payments needing to be on time. We then completed that and had no payment in XX/XX/XXXX, as the new loan was starting XX/XX/XXXX with the new payment amount. During this time several customer reps and supervisors stated they couldn't report late and they did. They promised to remove them once we completed the trial period and turned in our notarized paperwork. We did this and none of the lates were removed. Also, they then reported XXXX, XXXX, XXXX and XXXX late. If we would have paid late they would have kicked us off of it. We have proof they were paid on time. We have several emails and letters sent to the company and they never do anything about it and say no it's right. But several other lenders stated during loss mitigation they can't report late as we reached out to other companies to see what they said about this and loss mitigation told us that as well. They have destroyed my credit while I was in an active loss mitigation case. This shouldn't affect me as it took them so long to get stuff on their end together to work up something for us. It was ridiculous!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received my award letter from the XXXX XXXX , forgiving all my student loans. However, despite this forgiveness, XXXX continues to report a negative closed account. Not only were the loans forgiven, but the monthly payments were also XXXX dollars and XXXX cents. This situation grossly violates my rights under civil violation codes, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act ( CFPA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ).
Consumer complaint received 2023-02-18
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX of last year, during this time, I was a victim of fraud, someone took my credentials open accounts everywhere and went into my Chase account, and XXXX them selves money from XXXX account to the other, will both be in my name, but I was in jail, I have tried to deal with Chase for months now they start a total of almost {$27000.00} and I have only gotten back {$6400.00}, this investigation has escalated so much that no one knows whats going on and I need to get my money, they stalled {$27000.00} in Chase allowed in additional {$11000.00} of overdraft. 
Through investigation, I have now learned the name of the suspect is XXXX XXXX, he change my numbers address, emails everything they had to do with my account and created fraud, I keep dealing with Chase here in XXXX. No one knows whats going on so many people have gotten involved in this case that no one knows whats going on in time keeps going by, I need your help. 
I will attach my proof of incarceration and police report
Consumer complaint received 2023-02-18
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: SYNCHRONY FINANCIAL (TX)

I had the lowes advantage card and always paid on time. So I went to make a payment on it XXXX and they accepted my payment. So I went to use it to buy something and did not work. So I paid cash for stuff I needed on same day. So then I go outside and call and they quickly told me they closed it due to credit with out any notice.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-12
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 believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? A few of the mentioned accounts are incorrect, causing me some discomfort.
Consumer complaint received 2023-03-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (AZ)

Received a title loan from Check Into Cash and XXXX XXXX  and sometime in XXXX of last year she had given no actually I'm sorry it was XXXX she giving me till XXXX to make payments in that time I was a victim of identity theft all of my accounts were frozen they got a hold of my just open credit card account and wrapped up the whole {$4000.00} credit limit XXXX XXXX  has been slow and even non-existent to fixing it but I wasn't able to make my payments I kept in constant contact with this lady she promised me that it wouldn't repossess my car they came and repossessed my car when I called them to find out where it was how much they knew nothing they couldn't give me any information about anything about a car they had repossessed I finally got a hold of their corporate office in Ohio I was told that it wasn't in the system yet and call back you know in a day or so that way you know the charge is racked up even more I'm pretty sure so I finally called and they or give me the runaround run around run around finally told me the name of the company that I could get ahold of to get my personal belongings out of my car because they told me how much it was going to be and I told him they could have it it wasn't worth that to me I called the local tow yards it had my car no answer left a message never got a call back emails more messages nobody ever contacted me now I never saw my car again I never was able to get my personal belongings out of that car my children 's birthday presents were in there my XXXX was in there and to this day I still don't know where my car was or where my personal belongings ended up now I think somebody needs to compensate for the Lost birthday presents and my {$500.00} XXXX  I am willing to provide receipts serial numbers whatever anybody needs I'm willing to provide that but somebody needs to be held responsible for the events that took place I could care less about the car I have eight others but a simple fact of my children 's birthday presents and my XXXX  were in that car and these people lied through their teeth from day one stating that they had giving me ample notice of an intent to sell and I never got anything when I made a complaint with a XXXX XXXX XXXX they lied to them and told them that it took me eight days to call about my car which is a bunch of XXXX because I have the call logs showing that I called the morning they repossessed my car several times to the corporate office in Ohio and the idiots here in XXXX
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year>
Consumer complaint received 2023-01-20
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. (FL)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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: The CBE Group, Inc. (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. XXXX. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (NJ)

Source Receivable Mangement sent me a letter on XXXX-22 claiming they were trying to collect a debt I owed XXXX  original account number is XXXX reference # XXXX in the amount of XXXX. I responded back to the company on XXXX22 asking for validation of the alleged debt you sent me back a stack of statements from the original creditor and claimed it was proof I owed this alleged debt. I sent you a letter asking for the original contract or agreement with both parties ' signatures agreeing that I would be lawfully obligated to owe you a debt you have not sent it to me as of today. Pursuant to my rights I approached XXXX and asked the following questions? Have they sold the alleged debt? they said yes. I asked to whom they sold the debt to? they said Source Receivable Mangement. I asked are they still in the process of collecting this debt? They said no since they have written it off, they are no longer in the process of collecting this debt. But in your response on the CFPB Complaint website you stated that, and I quote Source Receivable Management do not purchase or own any debt. Through the response received from the creditor I would like to inform you that your company has violated 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any forms knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is attempting to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating, your company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. Pursuant to 15 USC 1692j ( b ) any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC XXXX XXXX for each violation. If you do not remove this alleged debt off of my consumer report. I will report this to the Attorney General, FTC, XXXX and I will sue you for deformation of character and violations of the FDCPA. Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communication regarding this account immediately. This includes but not limited to telephone call, email, social media, or any credit reporting agencies, any further contact by your company, except a communication confirming your acknowledgment of this letter, is in violation of the FDCPA.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted XXXX by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. 

I know that they did not verify this inaccurate information because the US bankruptcy Court Clerk do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 section 602A 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 an account with out my written instructions. In accordance with the Fair Credit Reporting Act consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. At this time Equifax is reporting a collections account with only the account number, date opened and updated along with a balance. There is no other information to show this is a legit account. The account number is XXXX, opened date XX/XX/XXXX, updated on XX/XX/XXXX with a balance of {$420.00}. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF OMAHA (CO)

A checking account was opened in my name online on XXXX with First National Bank of Omaha . 

This account was not opened by me ; additionally all 3 of the credit agencies have freezes on my credit, placed there by me.
Consumer complaint received 2023-02-10
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. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>