davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

About 4 years ago i discovered that i am a victim of identity theft. I find out that someone unknown to me somehow had find my personal information and had changed my address and my phone number and applied for the following credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mostly every fraudulent account got removed from my credit report, but the following items stayed in my report, XXXX and XXXX XXXX. i had send them my police report and my identity theft report more than 4 times and keep getting the same response every time that this item belongs to me and i am responsible paying off these credit cards. i do not have a problem paying for these credit cards if they were mine, but i have a problem for paying for something that i did not applied for and something that i did not get any benefit from, which i am here to resolve this problem.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Consumer complaint received 2024-12-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

I Bank at BMO Harris Bank N.A . Someone stole my name and account number and created a check ( which also used an address that I haven't lived at for 30 years ). Someone went to a bank and deposited it. They took the money from my account for the check and transferred it to the scammers account. Please note, this was from my savings account that has never had checks issued for it. BMO Harris refused to reimburse me the {$19000.00} that was taken from my account from the check. I didn't write the check ( and they know that ). I didn't have anything to do with this. BMO Bank N.A . should have known this check was fraud. The signature on the check was wrong, it was from a savings account that had no checks issued for it and it used an address from 30 years ago that didn't match the address for the account. I don't understand how I can be held responsible for their mistakes. I am XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. We have had health problems recently and are not good with technology. I feel BMO Bank is hoping we will become to frustrated to keep fighting them on this. {$19000.00} might not be a lot to BMO Bank but it is to us.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i was looking for a flight and the person who was looking to help me with that asked me for all my information including my credit card info i advised to him i was shopping for prices that if I'm interested i will call him i advised him I was shopping around he said in order for him to give me the arcuate quote he needed all that i advised to him not to use my credit card he advised no worries so i show that i was charged {$1000.00}. And i called him he advised he did it in error that with in 30 days i would get refunded i continue calling him and he doesn't reply so i called capital one once and advised them of that and they refunded me that but then they charged me that again so i called they sent me a link to send proof of the conversation with that person whom i sent emails claiming my refund of XXXX he replied it will be processed within 30 i will see it in my account so capital one says the need a recipt as proof if i never perches it and i sent them all emails as proof the say oh it's not enough and it's in XXXX so they can't do nothing so i Letterly don't understand them what else can i provide i have emails. Form that person and still as of yet he doesn't respond
Consumer complaint received 2022-05-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

Citibank clearly offered a {$200.00} " sign up bonus '' ( a promotional bonus ) if {$5000.00} or more was deposited in a new account after 60 days /some amount of time. I fully complied with these terms, and twice a citi representative assured me i'd get my XXXX $ bonus. The first one said early XXXX, and when it didn't occur, i contacted citi and the customer service representative said XX/XX/XXXX ( i have an chat string showing these ). Today when i contacted a citi representative I was given a run around, and then told that the promotion was for a minimum of {$10000.00} and i could contact their " promotions team '' if i had any further questions. Citi is running a bait and switch fraud on innocent consumers, including myself. I complied with every part of their promotion and twice their own employees confirmed i qualified, i have a cut and paste of the promotion i clicked on, clearly shows {$5000.00} deposit qualifies for a bonus. Citi is using fraud and deceit to trick people into opening and funding new accounts and then refusing to give them the promotion /sign up bonuses that they have promised ( with clearly no intention of actually honoring these ).
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I, XXXX XXXX have been dealing with issues with equifax having a debt collection that was not opened under my name and I have no business with this lender stuck on my equifax credit report. I have reached out to equifax and the XXXXXXXXXXXX XXXX  on multiple occasions where equifax doesn't send any investigation results or updates pertaining to this account even after as long as 30 days. I have a FTC complaint # for this case XXXX and I am reaching out to the CFPB as Equifax and XXXXXXXX XXXX  are in violation of 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impressions as to its source, authorization, or approval as you XXXX XXXX is stating that someone other than me a consumer in fact, is the creditor when I am the creditor.
Consumer complaint received 2022-05-21
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: HCFS Healthcare Financial Services of TeamHealth (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

XX/XX/XXXX XXXX XXXX XXXX This account was in XXXX. It was closed out and reopened. 

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 an account without my written instructions XXXX XXXX XXXX XXXX  ( Keeps opening and closing the account as well as the dates continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, XXXX and XXXX. It is still on my account. )
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was selling a dress on facebook market on Monday XX/XX/XXXX to a person named XXXX XXXX and the person who bought my dress asked for my name and phone number under my account to zelle me the money and i provided them my email but then i got emails from a fake zelle email saying to follow procedures to receive the money and the first one was to send the tracking number of the package for verification.I did that.Then the next said to send {$600.00} for verification but will be refunded back to me and another email said that the person sent an extra {$600.00} to me so i had to refund it back and thats what and the last email said to zelle {$770.00} to finally receive the money fully to verify and the total of {$1900.00} will be refunded back to me. I then realized that the zelle email was fake and the person hasnt been answering me ever since. I ended up giving away what i was selling for free and lost {$1900.00}.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXXXXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX -updated balance and never deleted like they said they agreed to do.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

FRAUD ON MY WELLS FARGO DEBIT CARD. UNAUTHORIZED ATM WITHDRAWALS XXXX is still pending and the other happened XX/XX/2022 I have no idea how this happened but the total stolen was over {$1900.00}. 

exercising my rights to use Electronic Fund Transfer Act as i have notified my bank within 3 days of the transaction happening. 

Filing this complaint through CFPB because XXXX transaction is pending and i cant file a claim on them through the online banking yet.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MN)

My mortgage was bought out and began with new lender, Mr. Cooper at the beginning of this year ; XX/XX/XXXX. I had lost my job XX/XX/XXXX and explained this to the new lender predicting I would be late on my payment. The loss mitigation department offered or suggested a " Pandemic Forbearance Plan '' which would pause my payment obligations for three months, stating I could opt out at any time. Following the three months, without request or consent they automatically resumed this plan which I was not needing or requested. I made three payments, one more than minimum due during this time. I spoke with someone back in XX/XX/XXXX asking to stop this plan I was ready and had been to resume payments. This was not acted on, they failed to stop plan which froze my ability to make online payments. Every time I spoke with them each person informed me incorrectly with false information. Most recent, I was told I could " promise to pay '' which would allow to make payments and any extra as was able. I asked for management to review calls from prior months to verify this information. This too was disregarded. Having trouble talking to anyone helpful or knowledgeable, and being unable to make a payment after several attempts I am now being threatened with foreclosure and feel I am being victimized by these predatory lenders. Note that documents sent via mail have different names, numbers and contact addresses making this whole process much more difficult. Here is hoping they are held accountable for the wrong doing, misleading and illegal acts of consumer lending.
Consumer complaint received 2022-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (AZ)

On XX/XX/2022, and without warning this company sold my current loan to a debt collector. My loan was not overdue so there was absolutely no reason for it to go into collections. Now I have no way to pay off this loan because the debt collector is refusing to collect payment. In fact, they claim they know nothing of my account or seedfi.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I have been disputing an account with Experian for a YEAR now. I have included all the letters that started back in XXXX of XXXX. 

I most recently sent them creditor verification for removal of this account on XX/XX/XXXX. 
I also included a copy of my credit report From XX/XX/XXXX and XXXX of XXXX. As you can see Experian deleted it ( I got notification on my Experian app that it had been removed ) and without any communication to me they XXXX it back on to my credit report, but changed the name of the creditor. You can see in the XXXX report its listed as XXXX ( which it has been this whole time ), On the XXXX report its listed as XXXX XXXXXXXX. 

They have violated MORE than XXXX FCRA regulations. As you can see both of the other bureaus have removed this account. This account was originally disputed because my information had been in a XXXX XXXX breach and this was XXXX of the accounts that was fraud. So after I sent in my police report, FTC Identity theft confirmation number, and dispute, Experian still refused to remove this account. And has yet to provide me with any documentation from the so called investigation they did. So a year of disputing this with them led me to again contact citi, to which they verified that the account was indeed fraudulent and I sent the letter to all three bureaus. 
Now this account should've been removed a year ago, but even at that this account is reporting PAID with outdated and unverified XXXX year negative history. which Ive also asked Experian to prove to me and they haven't. 

So, needless to say If this account is not immediately removed for good off of my credit report, I have a file of every single letter that Ive sent, all documentation from the police reports I filed, and every certified receipt copy of each letter I sent to experian, I will seek legal counsel and exercise every legal right I have against them for their blatant disregard for the law and carelessness on my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-10-18
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. (PA)

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Consumer complaint received 2022-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Credit company called my spouse without my permission and demanded he payed the debt because he was my husband and a man should do that. They were threatening to sue him ( not his debt ) again without my permision and would not let him hang up the phone fear mongering him. They called him numerous times. Did not contact me once!
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (PA)

I opened a Chase Bank " United Quest Card '' in early XXXX. Shortly after, Chase claims to have sent me 2 letters in the mail requesting my authorization to verify my social security number. I never received 1 of them and the other I got when I returned home from overseas. I responded to the letter by having a branch manager fax the signed letter. Shortly after I got another letter explaining that the Quest Card was closed, since Chase had not had any response from me. Chase claims to have never received anything from me and proceeded in closing all of my personal Chase Credit cards. Then, I mailed them a second copy of the letter. I followed up with Chase and they claim to have never received that letter as well. Chase then told me these credit cards are closed and no longer eligible for dispute. Then, I decided to apply for " new credit cards '' the Chase credit cards they had closed. 
Through this process Chase requested my credit report through the bureaus on : XXXX XXXX XXXX XXXX Chase should have contacted me directly, communicated with me and instead kept requesting credit reports only to deny the replacement cards. These requests, for reports, have now been a hinderance in me getting replacement cards from other banks. I have been a Chase customer for well over 20 years and have an excellent credit score of XXXX. The only reasons Chase gives me is that it is their " policy '' and further push the blame to the " government rules '' they need to abide by.