davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

I applied for forbearance in XXXX due to the loss of my husbands job. I was told I was approved and I requested another 3 months of forbearance in XXXX. I called for forbearance repayment options several times and was told I had to wait until XX/XX/XXXX to discuss repayment options. I applied for XXXX homeowner assistance and was approved although I am still awaiting payment. I contacted the mortgage company to discuss repayment options and I was told that I would be ineligible because there was a pending 3rd party to make full back payment. I called again and applied and was told it would take 30 days. I called again on XXXX and was told it could take 60 days. I called on XXXX to inquire why my account is blocked from allowing me to make an online payment, I was told my account is in forbearance status still and I can not make payments online. I would have to make a payment over the phone for a {$12.00} fee. I then get notice that my credit score dropped XXXX points because the mortgage company reported that I was over 120 days late on my mortgage. This bank is destroying my credit and they are doing nothing to assist me. All they do is give me misinformation or direct me elsewhere. My mortgage was or still is in forbearance but they are reporting this extreme lateness to my credit
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-28
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. (CA)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

Accounts : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XXXX I deposited 2 checks from my retirement fund through the mobile app of course! After doing that find out that they put a HOLD on the deposit for several days! I also have my insurance through USAA and with the hold on my deposit they cancelled my insurance! The deposit was for 4400 and some change. After finding out about the hold I contacted there CS and that was a waist of time but was told to contact there Executive Resolution Team. After being on hold for over 1.5 hours I finally talked to XXXX! I was told by her that it.was friday and anyone that could release the hold was gone for the weekend and so the VETERAN CUSTOMER is set to suffer again. After being in XXXX XXXX you would think they would want to serve there customers BETTER! Now my insurance is cancelled my checking account is on XXXX XXXX the 4400 sits in my savings with a HOLD while USAA uses my money and I cant! I also have tried to email XXXX XXXX amd well I guess you know how that went! IT DIDNT!
Consumer complaint received 2022-07-29
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX XXXX SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. XXXX XXXX stated the information was removed per the letter to the CFPB, my insurance rates yet increased again to {$430.00} dollars a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different with a rate of $ XXXX month. 

XXXX has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from USAA as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from XXXX XXXX and a ticket that I was reported in XX/XX/2021 I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX. ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at BEST. 

Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS ENSUED AGAINST XXXX/USAA. 

Based on my XXXX and the XXXX  terms provided I will also contact the U.S. Department of Justice civil rights against XXXX. I am REQUESTING USAA DELETE THE INFORMATION FROM XXXX due to their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. 

A complaint with the FTC and CFPB along with Securities and Exchange Commission ( SEC ), Commodities and Future Trade Commission ( CFTC ) and the IRS will be filed to include the Department of Justice for FINANCIAL CRIMES AND INSURANCE FRAUD. I am utterly disgusted of the fraudulent, deceptive business trade acts of the insurance companies and banks and XXXX for provided the deceptive information to a federal agency to avoid penalties. However, they continue to has no regard for stealing from consumers by any means NECESSARY.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NV)

Bank Robbers came into my home and used my bank cards and information. They Kidnapping my daughter XXXX XXXX XXXX and requested ransom. XXXX XXXX XXXX impersonating XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Also, XXXX XXXX and XXXX XXXX from 1XXXX XXXXXXXX XXXX Kidnappers
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX I submitted a complaint to CFPB with regard to our account with XXXX Bank and delinquencies reported on TransUnion. The case was initially resolved, and this information was removed from our credit reports. 

However, as of today, XX/XX/22, the late payment of XX/XX/XXXX is back on our reports ( XXXX XXXX and XXXX XXXX ). 

XXXX has sent multiple letters to TransUnion to update our credit file and TransUnion keeps placing this back on our credit file. 

Supporting documents attached shows late fees waived, the funds were IN our XXXX account and should have been applied to our loan account/payment - and the letter from XXXX stating delinquencies were waived from XX/XX/22 along with ANOTHER letter on XX/XX/22 stating with even more detail that this SHOULD NOT BE ON OUR CREDIT FILE. 

Our next action is to sue TransUnion as we have been dealing with this same issue for 10 months now.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy, 15 USC 1681 section 604 A section XXXX also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-04-02
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. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602a states I have the right to privacy.

15U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TX)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. Code 1001 additionally these misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I Am alleging that a person or company without my authorization used my personal identifying information to apple for goods, services or money. and was successfully in creating some accounts. All being investigated by the FTC.
Consumer complaint received 2024-09-23
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian has not followed its legal responsibilities with respect to accuracy in my reports. I have submitted all necessary information and they have ignored my plea to block information resulting from identity theft. They continue to lower my score and side with the big companies despite the police report and ftc information submitted to then 7 times. The results of their investigations are not clear or easy to understand. I don't see what they have resolved because the information remains the same and my score continues to decline. The information is not accurate on these accounts. This is a mess and I am tired of submitting documents that get discarded by ecperian
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Four months ago, I called Truist bank to request the closure of my account # XXXX and after XXXX minutes waiting and XXXX other minutes from the agent trying to keep my account open he finally gave up and told me that he was going to process my request and send me a check for the {$8.00} left positive on my balance. 

This apparently never happened and a few days ago I got a letter saying that I owed {$41.00} to the bank and on the letter they even tried to scare me saying that they may report the account closure to the reporting agencies. 

So they not only ignored my recorded call/request to close my account, but also took my {$8.00} balance and charged me fees on top of fees mounting to {$41.00}. 

This illegal and deceptive practice should be investigated and this institution penalized for acting this way.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (NY)

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
1. XXXX XXXX, XXXX ( XXXX, XXXX XXXX ) 2. XXXX XXXX XXXX XXXX, XXXX, XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ) 4. XXXX XXXX ( XXXX, XXXX XXXX ) 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 6. XXXX ( XXXXXXXX XXXX XXXX ) 7. XXXXXXXX XXXX XXXX XXXX XXXX ) 8. XXXX ( XXXXXXXX XXXX XXXX ) 9. XXXX XXXX XXXX XXXX XXXXXXXX )