davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2017, my XXXX XXXX Credit Card ending in XXXX was stolen from my office. Purchases and fraudulent payments were made that allowed the thief to exceed the credit limit. I filed the attached sheriffs report. The card was canceled, charged off, and then one year later a fraud investigation was performed in my favor. The amount was reduced and I could not afford the lump sum. I had great credit rating and was paying card off monthly after XXXX treatments. One year exceeds the requirement to do a fraud investigation. XXXX XXXX doesn't care. So I am left with a lump sum I can not pay plus a negative credit score that will remain even if I pay settlement amount. THIS IS UNFAIR! Plus the Credit Reporting Agencies just shuffle paper and do not investigate for accuracy and completeness.
Consumer complaint received 2022-09-22
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. (CA)

I have a collections account reporting on my credit report. I contacted the credit bureau to dispute the account. The account was adjusted on the credit report. I called the collection agency and they said that they removed my collection and there's no longer an account. however it still shows on credit report.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

On XX/XX/2022, I was making a purchase at XXXX XXXX in the amount of {$1500.00} and received an email asking us to recognize and confirm the purchase. That was done, but still they didn't approve it and said needed to call for verification. I did that, answered a myriad of questions and then they asked me to send them a copy of my drivers license for further verification, which I did. That still wasn't good enough, so they told me they were freezing my account and the only way to remove the restriction was to physically mail a copy of my drivers license AND my Social Security card. I told them I would NOT send a copy of the card, as that is only setting me up for identity fraud ... it would be pretty easy for someone to steal my identity having a copy of my actual card. That account has a reward balance of {$370.00} and since I could no longer use the card, I wanted to redeem the rewards I had earned. Due to the account restricted, I could not do it online like I normally do. So, I called them and asked them to send me my rewards. They said they would not, since the account is restricted and they need me to mail a copy of my social security card to remove the restriction. Once again, I explained why I would not do that. They already have my SS information, bank information, drivers license, etc... I have made multiple calls and spoke to various managers and supervisors and no one will help me. They could not show me anywhere in my agreement with them that rewards would be held on restricted accounts or held XXXX unless I provide them my Social Security card.
Consumer complaint received 2021-12-09
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. (TX)

On XX/XX/2021 Experian received my documentation from US bankruptcy court stating they do not report to credit bureaus and a copy of my XXXX XXXX showing the bankruptcy was removed. On XX/XX/2021 Experian stated via email and telephone that they verified my bankruptcy through XXXX XXXX. This information is inaccurate and needs to be deleted
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX or XX/XX/2022, a check made out to " XXXX, XXXX XXXX XXXX '' in the amount of {$6800.00} from our CHASE checking account was stolen in the mail. On XX/XX/2022, it was fraudulently endorsed and deposited through mobile app into a XXXX XXXX account. In hearing from the University that they did not receive our check, I discovered in my electronic records that the check had been cashed and funds removed from my account for the full amount. The endorsement at the back of the check was a squiggly line. In contacting CHASE on XX/XX/XXXX, we began the investigation and submitted all paperwork including a completed affidavit/declaration. We met with our local CHASE representatives and followed up. In XXXX, we heard from a representative of XXXX XXXX that our funds were suspense as CHASE had not completed all of the needed paperwork. We were told that the only appropriate process was for our bank to work with XXXX XXXX bank to rectify the situation. We were also told that XXXX XXXX was months behind with their paperwork and to expect a wait of XXXX days, later changed to 120 days. I have spoken to five to ten representatives at both banks at ever level to ask for their assistance in moving this forward. I asked for provisional credit from CHASE on numerous occasions and have been denied. I have been given no clear timelines on when to expect this to be resolved. On XX/XX/XXXX, I met with my local CHASE rep who called her colleagues who specialize in this work, and was told that we should expect the funds in 3-5 business days. I left the bank feeling that we had resolved the issue finally. It was not. No apologies or willingness to take responsibility once again. I sent a registered letter of complaint to XXXX XXXX XXXX, XXXX of CHASE ( confirmed receipt on XX/XX/XXXX ) and continue to await resolution from his team.
Consumer complaint received 2022-09-22
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. 

Here are the companies and dates of inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-27
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: Tower Loan of Mississippi, Inc. (LA)

Several years ago I defaulted on a loan with Tower Loan @ XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX. The default was due to losing my job. In XXXX of XXXX I contacted this company to obtain the amount owed as I wanted to pay them. I was quoted an amount that was significantly higher ( more than double ) than what was recorded on my credit report. I could not afford to pay the large amount at that time, so I did not take any further action. Later in XX/XX/XXXX, I noticed an inquiry from Tower Loan on my XXXX XXXX and XXXX credit reports although I had not applied for credit with this company. At that time I called the company to ask about the inquiry and I was told by the manager that they have a right to check my credit because I still owe them. 
In XXXX of XXXX I was sued by Tower Loan and my wages garnished to pay the debt. Since that time payments have gone to Tower Loan uninterrupted from my paycheck. 
On XX/XX/XXXX I noticed another hard credit inquiry from Tower Loan although I have NOT APPLIED for credit with them. I called the office the next day and spoke with " XXXX '' who identified himself as the Manager. I asked him about the recent inquiry and he stated as follows : " Yes I made the inquiry, It was a mistake. We have the right to check your credit every 30 days, but I am working to get it removed ok. Okay, have a good day, bye bye. '' after saying his piece he hung up the phone although I was trying to speak. 
I am very concerned as to why Tower Loan is still able to make Hard Inquiries on my credit even though they have sued me and I am paying and fulfilling my end of the agreement. Regardless of my efforts they continue to haunt me. Is this legal? Can they check my credit " when they feel like it? '' Is this an infringement of my privacy? What can be done to stop them and remove the inquiries?
Consumer complaint received 2021-01-27
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. (AZ)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is knowingly reporting fraudulent information. XXXX XXXX XXXX XXXX XXXX have already write a statement through the CFPB that this debt is not in their office. They have no knowledge of the debt that they are reporting on my credit file. I have gone to them and gone to Experian. Today I have received another fraudulent dispute and the item remained in file. 

I am asking the CFPB to find Experian in Violation of the FCRA, The CFR, And U.S.C. please place Experian in the FTC sysemfor monitoring and award the complaint all monetary damages.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XXXX XX/XX/2021, I applied for and locked a rate of 2.99 %, on a refinance mortgage loan for my property located in XXXX, CA. 

On or about XXXX XX/XX/2021, I received a Notice of Servicing Transfer from the current servicer ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; ph. XXXX ). The correspondence indicated that servicing of the loan would transfer to Shellpoint Mortgage Servicing ( XXXX XXXX XXXX, XXXX, SC XXXX ; ph. XXXX ), effective XXXX XX/XX/2021. 

On XXXX XX/XX/2021, in response to a request from my refinance mortgage broker, I contacted Shellpoint seeking information ( loan number, payoff amount, payoff address, etc. ) on the transferred loan for the property in XXXX. I was informed that no record of a loan for that property existed in the system. I was advised to wait a few days before rechecking. Also on XXXX XXXX, I also contacted XXXX XXXX, which confirmed that the loan transferred ( in now closed ) and that the balance owed was {$0.00}. XXXX XXXX was unable to provide any information on the Shellpoint loan. 

On XXXX XX/XX/2021, I placed another call to Shellpoint seeking information on the loan. Again, I was informed that no record of a loan for the property in XXXX existed. The representative suggested that that a new loan could take up to 60 days to show up. They also provided an email ( XXXX ) where I could seek additional assistance. I sent an email to the address on XXXX XX/XX/2021, seeking urgent assistance in locating the loan so that the payoff information could be provided to the refinance broker. 

As of XXXX XXXX ( 27 days after the loan purportedly transferred ), I have not received any response or written communication from Shellpoint, violating 21 CFR 1024.33 ( b ) ( 3 ) ( i ) of Regulation X. As the payee and payoff of the loan can not be determined, I am unable to proceed with the refinance of this property. The rate lock ( which is at a lower rate compared to the existing loan ) is expiring within 2 days, and based on current market conditions I will not be able to relock at the same rate. When the lock expires, the lack of compliance on the part of Shellpoint will have resulted in monetary damages, from the incurred costs associated with the refinance loan, as well as the missed savings based on the difference in loan rates. 

I am seeking assistance of CFPB in resolving this matter with Shellpoint to locate my loan number, payoff amount, and payoff address.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (TX)

I filed a complaint against Experian thru CFPB on XX/XX/2019 attached with a complaint response from XXXX XXXX XXXX that is listed on my report that I also file against the creditor last week on CFPB and they responded.. Without Experian opening the file attachment that I have attached to this complaint again, Experian responded back to me this morning WITHOUT bothering reading the attachment. XXXX XXXX XXXX said in the attachment ( PLEASE READ IN ITS ENTIRETY ) that they will remove the negative tradeline from my credit report in 45 days. I'm asking Experian to remove it earlier based off the attachment that says XXXX XXXX XXXX will remove it. Please do not send me a response without reading the document telling me about an investigation back in 2019. SEE ATTACHMENT
Consumer complaint received 2022-09-22
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

I asked the citi bank how I could get my account unlocked they said you have to wait for a reference letter in the mail then call back I got the letter called back they said you need another letter call back I called back they gave me the runaround with different departments I spoke to someone she said she took the block off I waited a hour blocked still called back on hold for three hours said go to the branch there not doing it went on for three weeks
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

On XX/XX/2022, I made a payment from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Zelle. The payment of {$550.00} was going to the business XXXX XXXX XXXX XXXX XXXX XXXX ) for a XXXX tree, which was supposed to be shipped to me. It appears that XXXX XXXX  XXXX received the funds, but has been scamming a lot of people, offering XXXX trees for sale and then disappearing. I believe ( from having talked to several other scammed consumers, that Zelle was aware of the scam from XXXX XXXX XXXXXXXX, since others had made complaints before mine. It looks like I was one of the last people to order. 

I have tried multiple times to contact the business, to no avail, and I have not received any product. I have asked XXXX to refund my money, and to disallow Zelle from being allowed to cheat future customers, since they apparently have no protections in place for scammed consumers. However, my credit union refuses to accept responsibility since the transaction was 'authorized. ' I also filed a complaint with Zelle, and they are pointing to their Terms and Conditions, saying that they aren't liable for any fraud or scams. 

Apparently, if I had used my credit union debit/credit card, I would have had protection since I never received the product purchased. Why is Zelle allowed to operate without consumer protections in place? Also, why is my credit union allowed to deny liability by using a 3rd party ( on the credit union website ) to circumvent a fraudulent transaction? 

I will never use Zelle again, and I urge the CFPB to take action against them, since they are aware that scams and frauds are taking place using their unprotected service. Further, I urge the CFPB to take actions against banks and credit unions who are using 3rd-party companies, like Zelle, XXXX, XXXX, to avoid liability that they would have if I used my debit or credit card.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I would like the 3 Credit Bureaus : Experian, XXXX, XXXX  to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.
Consumer complaint received 2024-09-06
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. (NC)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and inquiries. XXXX. XXXX  XXXX XXXX {$650.00} XXXX. XXXX XXXX bal. {$420.00} XXXX. XXXX XXXX XXXX bal. XXXX XXXX. XXXX bal. XXXX XXXX. XXXX XXXX bal. {$740.00} XXXX. XXXX XXXX XXXX XXXX. {$19000.00} XXXX. XXXX XXXX  XXXX XXXX. {$24000.00} XXXX. XXXX XXXX XXXX bal. XXXX XXXX. XXXX XXXX. {$1300.00} XXXX. XXXX XXXX XXXX XXXX  {$330.00} ( acct number XXXX not listed on FTC report ) XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the FTC report for these accounts and inquiries. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ). as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.