davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

We had a barn fire that resulted in a total loss of our barn. XXXX XXXX issued the check to replace our barn to the mortgage come Freedom Mortgage of $ XXXX. Freedom Mortgage released XXXX of that and is holding the rest XXXX. We have had to take out a personnel loan to just cover the labor costs and now are being put in a situation where we will have to get another loan to pay concrete and electrical due to the mortgage company holding funds that are not rightfully theirs to with hold. This was an outbuilding that burnt down and had zero impact on our appraisal at no time should a mortgage company with hold funds that require home owners to get personal loans on to rebuild when the insurance company has provided them. We have provided estimates and they sent a third party with a camera to take photos so they could determine how much of the barn is completed? What if we had not decided to rebuild? This is unlawful I could understand had it been our home but still to put out families to get loans on their own to rebuild is ridiculous and should not have to be the norm for anyone.
Consumer complaint received 2022-06-26
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account XXXX 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 2022-06-26
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. (MI)

I am a victim of identity theft. On XXXX I submitted complaint number XXXX to the CFPB detailing my disputes with TransUnion, a consumer reporting agency. On XXXX I mailed TransUnion a notice disputing the inaccurate public record they were reporting to my consumer report. TransUnion received my notice on XXXX. TransUnion mailed me a response dated XXXX with a file number of XXXX. TransUnion 's response to my dispute was that the " US XXXX XXXX XXXXXXXX XXXX is the data furnisher who verified the information to them ''. However, I contacted the XXXX XXXXXXXX XXXX and they replied to me that they DID NOT verify or furnish such information to TransUnion. 

On XXXX TransUnion responded to my complaint to CFPB through the CFPB portal. TransUnion replied After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXXXXXX XXXX  updated. 

The attached exhibits provide clear evidence that the XXXX XXXX XXXXXXXX XXXX is not the furnisher of information. TransUnion admits, in their letter dated XXXX titled Re : Investigation Procedure, that they hire a third party to research public records. I maintain there are instances where public records contain inaccurate information. By continuing to assert that the XXXX XXXX XXXXXXXX XXXX is the source and furnisher of information to TransUnion, they are hindering and obstructing my right and ability to dispute this information directly with the furnisher, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 8 ). TransUnion is committing a FRAUD against me by not disclosing to me the third party they hired as the furnisher of information which they are reporting. 

By continuing to report this inaccurate, and unverified information to my consumer report TransUnion is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) due to the fact that they have reasonable cause to believe that the information is inaccurate. 

TransUnion has failed, on numerous occasions, to verify the information which they are reporting to my consumer report. TransUnion has failed to assure maximum possible accuracy of the information in the consumer report which relates to me, a violation of 15 U.S.C. 1681e ( b ). I demand the immediate deletion of this unverifiable information that is reported on my TransUnion consumer report.
Consumer complaint received 2022-09-23
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC and Police Report which I have filed, but nothing has changed. Now tell me, are playing around?! XXXX let me inform you that you are NOT COMPLYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THIS ACCOUNT INSTANTLY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-26
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account XXXX 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 2022-06-26
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. (TX)

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXX XXXX XXXX ( original creditor XX/XX/XXXX ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX Bank ( hard inquiry ), XXXX XX/XX/XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

My personal Experian credit monitoring account was hacked. A hacker logged into my account and changed the associated email and phone number. Each of those are used to verify each other, so I have no way of regaining control of my account. I was not notified my account was accessed from a new device, or that my account info was changed. I can not find any page on experian 's website for a compromised account, and their phone tree did not offer help with compromised accounts. Eventually I found a phone number that connected me to a real person, who said they would lock the account, and I could mail in documents to prove my identity. This was over a month ago as of today, XXXX. I was given a ticket number, and a phone number I could use to talk to an operator. The phone number leads to the same generic phone tree and there is nowhere on their site to enter this ticket number. I have no path forward to regaining access to my credit file.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I made a complaint to the XXXX XXXX XXXX about Comenity Bank, I have a store card for Forever 21. On XX/XX/XXXX I made a payment in full of {$180.00}, this payment has yet to be updated on my credit report. I called the company in early XXXX they said it would be updated within 24-48 hrs, it never happened. So I filed the complaint with the XXXX  a few weeks later. Comenity Bank responded to my complaint by saying they would launch an investigation. On XX/XX/XXXX I called Comenity Bank ( the number on the back of the card ) twice and both times the call was disconnected. All of the credit bureaus still have the charge on my credit reports. Nothing has been resolved!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses and inquiries are listed in the attached FTC. 

Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (MO)

I reached out to Regions Bank to pay off an old and to open a new account. I was told that would be a problem except for the branch had 10mins until close. They stated the process and I email a form and they stated they would do everything a head of coming back in to finish the process the next morning. I came back in and we fished what process we had started and then was denied. I was then givin a number to call and they stated it was a normal process to call and then I would be able to finish. Well I did and called back and now there is no asnwer. 

Regions Banks dont want to help you. 

Good to Bad Customer Service Unacceptable & Unprofessional Business behaviors
Consumer complaint received 2022-09-23
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. (CA)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 BV XXXX XXXX, CA XXXX XXXX C XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$42000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX AN # XXXX XX/XX/XXXX
Consumer complaint received 2022-06-26
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 XX/XX/XXXXXXXX XXXX XXXX ( original creditor XX/XX/XXXX ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX Bank ( hard inquiry ), XXXX XX/XX/XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-08-08
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)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TransUnion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please Block the items listed below that are unknown to me : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX XXXXXXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXXXXXX Balance {$5800.00} XXXX XXXX XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$310.00} XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XXXX Balance {$130.00} XXXX BANK XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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 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 2022-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

While purchasing a used car and and to help with some XXXX XXXXXXXX expenses, my mother-in-law helped us with a loan. She gave us a bank cashiers check for {$3000.00}. 

Since there is not a local branch of Citi Bank in XXXX, I used my phone to make a mobile deposit to my checking account on XX/XX/XXXX. I received an email acknowledgement that the check have been received, and the funds would be available within a few business days. However, the funds never became available. 


Citi did not seem to understand what a cashiers check was, as they contacted my mother-in-law to ask her what the check number was. My mother-in-law informed Citi that it was a cashiers check ( guaranteed by the bank ), and instructed Citi bank to contact XXXX XXXX XXXX XXXX XXXXXXXX as they could provide the details for the check. 

After approximately XXXX days, Citi froze my checking account. I called Citi bank, and was told my account was froze due to " potentially fraudelent activity '' on the account. When I asked for details, I was told that they would need to talk to a manager as they didn't have details. However, despite calling multiple times, a manager was never free/available to discuss. 

Since my account was frozen, and I still had not received a confirmation that Citi bank deposited the cashiers check, my mother-in-law ended up giving me cash. We also obtained a letter from my mother-in-laws bank ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX to indicate the cashiers check should NOT be cashed. On XX/XX/XXXX, I drove to the nearest Citi Bank branch ( in Illinois ) and gave the the letter from the XXXX XXXX XXXXXXXX XXXX indicating the cashiers check should no longer be cashed and asked to close my account. They took the letter, and stated I would receive a letter confirming that they acknowledged that the check would not be cashed. 

However, I did not receive a follow up letter as promised. Then, on XX/XX/XXXX, Citi Bank cashed the cashiers check. Despit the check being cashed and withdrawn from my mother-in-laws account, the funds have NOT been deposited into my account and my account remains frozen without any further explation. 

Based on the timing, I believe Citi bank froze my account as a result of me attempting to perform a mobile deposit of a cashiers check for {$3000.00}. ( Based on the call to my mother-in-law, the Citi Bank employee did not seem to understand the concept of a cashiers check. ) I would like to formally file a formal complaint requesting Citi Bank unfreeze my account, and deposit the funds from the cashiers check so that I can pay back my mother-in-law.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

In XX/XX/XXXX I had a door installed by XXXX XXXX it was not done correctly. In XXXX of XXXX I files a dispute with my credit card company Comenity Bank ( All Rewards Mastercard ). Also in XXXX of XXXX I file an aditional dispute with XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, PA over a gift card I mistakenly purchased between two stores with similarly sounding names and there were no rules posted prior the sale regarding any return or exchange policy. In both instances I exhausted all avenues with the merchant. In filing the dispute Comenity Bank insists that it be done in writing through the mail, not online or by phone. Within both of these letters XXXX gave written permission to allow me, XXXX, to speak with them regarding this card in which I am an authorized user. We got some responses but no resolution. They acknowledged receiving our letters but would not acknowledge the permission to allow me to talk to them. They said it had to be done verbally. We found it hypocritical that I could use the charge but couldn't speak to it. We also found it hypocritical that they needed the dispute in writing but wouldn't acknowledge a written authorization from XXXX. 
Bottom line, they wouldn't allow me to help them resolve this and they are way beyond they own limit of 90 days to resolve the two disputes.