davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau XXXX : Complaint against XXXX, XXXX, and TransUnion for Continuously Erroneous Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and TransUnion regarding their continuous and reckless erroneous reporting on my credit report. Despite numerous complaints submitted throughout this year, all of which have been ignored, their negligent actions have caused significant financial and emotional distress. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Gender : XXXX  Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX  I hereby demand that XXXX, XXXX, and TransUnion take immediate action to update and correct my credit report as follows : Removal of all addresses with which I am not associated : XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX Removal of the following collection accounts, as the bureaus have failed to provide their method of verification for these accounts, and I confirm that they are not mine : XXXXXXXX XXXX  # XXXX ( No creditor listed ) Account # XXXX ) XXXX XXXX # XXXX I want to stress that these inaccuracies have seriously damaged my creditworthiness and caused considerable hardship in obtaining loans, credit cards, and other financial opportunities. The bureaus ' repeated refusal to address these issues shows a blatant disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, I am entitled to have accurate and up-to-date information on my credit report, which is essential for my financial well-being. Failure to comply with these rights is a direct violation, and I will be seeking monetary damages of XXXX  per violation. 

I trust that the CFPB will thoroughly investigate this matter and ensure that XXXX, XXXX, and TransUnion correct their reporting errors promptly. I expect a timely response from the CFPB regarding the steps taken to rectify this situation. 
Please find attached relevant documents supporting my claim, including previous complaint communications with the credit bureaus. 
Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-07-31
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America deducted {$470.00} from my checking account and sent it to an unknown payee. The check was supposed to be sent to my HOA but instead, it was sent and cashed by someone unknown to me. BOA is supposed to send me an affidavit for signature so they can release the funds back to my account but they have not. I have called them several times and they keep stalling the process. It has taken me several times to get any response out of BOA.
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

Subject : Request for Reclassification of Dispute Numbers Dear [ XXXX XXXX XXXX XXXX XXXXXXXX ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent.

Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards.

It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details.

Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. 

Best regards, XXXX XXXX
Consumer complaint received 2022-09-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank ( Wells ) paid a {$5.00} XXXX penalty in the Robo signed settlement with the DOJ and XXXX States which included the State of Nebraska. Wells Fargo Bank with XXXX  and XXXX & XXXX Robo signed the Assignment of Deed of Trust on XX/XX/XXXX, that was recorded at XXXX XXXX Register of Deed Office on XX/XX/XXXX violating Nebraska Statute 76-2710 as XXXX  assigned the Deed of Trust as nominee. Fact is that from XX/XX/XXXX through XX/XX/XXXX, did not as the Assignment stated that they paid value for the mortgage loan. XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX, purchased my XXXX XXXX XXXX  loan and on XX/XX/XXXX, submitted and had accepted my mortgage loan on XX/XX/XXXX, without a date & time stamped Deed of Trust and without a stamped date and time Assignment of DOT from XXXX XXXX Register of Deeds Office because they have failed to deliver the documents when they owned the mortgage loan debt, which XXXX XXXX became owner of the Mortgage Note on XX/XX/XXXX when the loan was accepted into the XXXX XXXX XXXX pooling, The Mortgage loan should have been removed from the XXXX XXXX XXXX by XXXX who never fixed the pooling situation. There is no Assignment of DOT in the XXXX XXXX pooling for my mortgage loan which there is a requirement for and is the one of the reason Wells needed to XXXX sign the Assignment of DOT as there was no title link from XXXX XXXX XXXX  ( XXXX ) recorded at XXXX XXXX Register, and it appeared as if XXXX had not sold the loan debt of XX/XX/XXXX to XXXX and the county not been made aware of the XX/XX/XXXX mortgage loan sale and the XX/XX/XXXX, XXXX endorsement in blank transfer to XXXX XXXX before or after the illegal recording of the DOT by XXXX who does not own a debt against my property that the loans been paid in full can not have a back dated DOT placing a lien when the debt to XXXX stop existing on XX/XX/XXXX, but the DOT by XXXX is delivered and recorded on XX/XX/XXXX. The situation of Title never got corrected and once XXXX stopped existing on XX/XX/XXXX, XXXX and XXXX  resorted to fabricating the Assignment of DOT as the successor to XXXX was only XXXX and with no assignments recorded that was require to pool the mortgage and to use the power of the DOT to non-judicial foreclosure. Wells is saying the XXXX was the owner of the debt and they were working for XXXX when foreclosing. XXXX is saying that they did not own the mortgage loan, which XXXX right that they don't own the loan debt as Wells did not own the debt, but XXXX did own the Mortgage Note that control the loan. Either Wells or XXXX can or did provide proof of purchasing my mortgage loan debt. I am supplying the stamped and dated DOT and Assignment of Deed of Trust plus the letters from XXXX XXXX and letter from the FDIC verifying the date of the mortgage loan sale from XXXX to XXXX!
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: M&T BANK CORPORATION (PA)

Subject : Request for Denial Letter Regarding Personal Line of Credit Application Dear [ Recipient 's Name ], I hope this message finds you well. My name is XXXX, and I recently applied for a personal line of credit. However, my application was denied, and I have yet to receive the formal denial letter at my address : XXXX XXXX XXXX, XXXX, Pennsylvania. 

Could you please confirm whether the denial letter has been sent? If not, I would appreciate it if you could resend it to the aforementioned address. 

For your reference, my checking account number is XXXX, and my savings account number is XXXX. You can reach me for further clarification or updates via email at XXXX or by phone at XXXX. 

Thank you for your attention to this matter. 

Best regards, XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC (KY)

XX/XX/XXXX : Amount of {$1800.00} is sent from XXXX University to the Security Credit Systems , Inc . 
-Any letters sent to me in order to inform me of the debt were not received. 

XX/XX/XXXX : I dispute the amount of {$2400.00} with Security Credit Systems , IncXXXX on XXXX XXXX XXXX with XXXX, stating that the amount is incorrect and that the amount owed to Security Credit Systems , Inc. should actually be {$1800.00} and citing Section 808 ( 1 ) of the FDCPA.

-Section 808 ( 1 ) of the Fair Debt Collection Practices Act prohibits debt collectors from collecting any amount including any interest, fee, charge, or expense incidental to the principal obligation unless that amount is expressly authorized by the agreement creating the debt or permitted by law. 

XX/XX/XXXX : The dispute on XXXX XXXX XXXX is completed and ruled in the favor of the item Security Credit Systems. Reason cited is " I have no knowledge of this collection account. '' -Intuit XXXX XXXX results state that this disputed information was verified as accurate, and XXXX does not change my information. 

*XXXX  XXXX, XXXX : A letter verifying my account and debt in question with Security Credit Systems is sent to my current address. The lines read, in a bordered box in printed ink : Statement Total : {$1800.00} Pending Total : {$0.00} Overall Total : {$1800.00} Below this box is a handwritten note stating : Collection fee XXXX Total {$2400.00} -This " Collection fee '' of {$560.00} is the reason for said dispute. Any amount above the initial debt of {$1800.00} is a violation of said ruling in Section 808 ( 1 ) of the FDCPA.

*The letter in question is in 4 separate attached files of pictures where the letter is legible. The letter is dated XX/XX/XXXX as a lookup date for my collection info, but it is dated XX/XX/XXXX as the date sent at the top of the letter below the Header. The two middle pages of the letter may be out of order, so they are labeled as " Letter Page 2 or 3 '' and " Letter Page 3 or 2. ''
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : 15 USC Section 1692C -NO RESPONSE FROM : Transunion XXXX XXXX and XXXX or the creditors and no actions Sent to all of them. The law states these items need to be removed within 4 days of receiving our complaint. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion, XXXX, and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act.

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion, XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I
Consumer complaint received 2022-04-27
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2023, I requested to borrow from a line of credit offered by Truist called Cash Reserve. I was approved for the credit and the funds were applied to my account immediately. I used a large percentage of the funds for bills and food, leaving a small amount to make sure a {$10.00} check cleared from my utility company that was due to post on the following day. 

The next day, which was the XXXX, I woke up to my checking account being overdrawn {$550.00}. I checked my email to see what was going on and found an unopened email the day prior from Truist thanking me for a payment of {$550.00}. I was beyond shocked. I couldnt believe that for the second month straight I had to pay money back at once that I can not afford to do. I did not call the bank due to me going through something similar the previous month. 

In XXXX, my cash reserve account was forced closed due to two months of nonpayment. I did attempt to correct the situation prior to the charge off, but found out that the due date could not be changed from the first of the month to the third of the month in any way. When I asked about making a payment plan to pay half of what was due in XXXX and the remainder in XXXX, I was told that it could not be done. 

With what has happened, this will be the second month in which I am forced to pay Truist back and figure out how to take care of my remaining responsibilities with limited consequences. I have already been penalized by XXXX XXXX ( the electric company ) for the {$10.00} returned check, adding on an additional {$30.00} for a returned check fee. 

As of today, I have received no correspondence about the forced closure of the cash reserve line of credit. I have no problem with accepting consequences for my mishaps, but this is beyond my control and not my mishap. This situation has me feeling like Truist deals in unfair and unethical business practices that are WAY to detrimental to someone like me who lives on a fixed income and I am quite uncomfortable knowing that my deposits will have to continue going into that account. 

I have accepted my forced fate for my upcoming deposit and have made plans to change banks by XXXX. However, I would love to know why I am being forced to pay back the bank now versus the agreed upon amount of {$140.00} per month starting XX/XX/XXXX. And if this was done in error of any kind, I would like an apology for this and the mental anguish this has caused me.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint against Experian, XXXX, and XXXX for Continuously Erroneous Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their continuous and reckless erroneous reporting on my credit report. Despite numerous complaints submitted throughout this year, all of which have been ignored, their negligent actions have caused significant financial and emotional distress. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Gender : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX I hereby demand that Experian, XXXX, and XXXX take immediate action to update and correct my credit report as follows : Removal of all addresses with which I am not associated : XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX Removal of the following collection accounts, as the bureaus have failed to provide their method of verification for these accounts, and I confirm that they are not mine : XXXXXXXX XXXX # XXXX ( No creditor listed ) Account # XXXX ) XXXX XXXX # XXXX I want to stress that these inaccuracies have seriously damaged my creditworthiness and caused considerable hardship in obtaining loans, credit cards, and other financial opportunities. The bureaus ' repeated refusal to address these issues shows a blatant disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, I am entitled to have accurate and up-to-date information on my credit report, which is essential for my financial well-being. Failure to comply with these rights is a direct violation, and I will be seeking monetary damages of XXXX per violation. 

I trust that the CFPB will thoroughly investigate this matter and ensure that Experian, XXXX, and XXXX correct their reporting errors promptly. I expect a timely response from the CFPB regarding the steps taken to rectify this situation. 
Please find attached relevant documents supporting my claim, including previous complaint communications with the credit bureaus. 
Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX