davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I froze my account months ago, I wanted to keep my credit safe and had no need to keep them open. Recently I have a received a good credit card offer but to contribute I must unfreeze my TransUnion credit line.

Ive tried to go through their online system but I am met with error after error. Using their online chat feature is useless, you spend almost 2 hours waiting for someone to tell you they cant assist and must elevate this issue to their manager. Then you're forced to call in, wait on hold, then be told the same thing, that this issue is being elevated to the next level and you must now wait until they can unfreeze it for you. Its been happening for weeks now.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I have a CHIME online banking account, which I have not had problems with until XX/XX/XXXX. On XX/XX/XXXX, I was at home working remotely when I started receiving notifications from the bank about five back to back ATM withdrawals totaling {$740.00}. This all occurred within 2-3 minutes. I have the card in my possession, however, I immediately changed my pin, called the bank then contacted my local police department. The bank closed my debit card and advised me they will open an investigation once the transactions clear. Today, on XX/XX/XXXX, m I received an email from the bank advising me that no error has occurred and therefor the investigation is now closed. After doing some research online, it seems there have been similar scenarios with CHIME, which include money being stolen through ATM withdrawals at XX/XX/XXXX locations. I would appreciate any assistance in getting my money back as this was a big chunk of my paycheck, which was meant for rent and bills. Considering this is also fraud and theft, I am at a loss for words on how the bank just brushed the issue off and closed the matter. Thank You in advance for your time. The way the bank handled this situation makes the whole situation look even worse.
Consumer complaint received 2019-10-03
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-10-30
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. (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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  Account Name : DEPT OF ED XX/XX/year>
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The three credit bureaus ( Transunion, XXXX, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXX 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  In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : Transunion - XXXX XXXX  - XXXX XXXX - XXXX
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I noticed unauthorized inquiries on your report or you noticed someone applied for something in your name. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!
Consumer complaint received 2022-08-08
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. (NJ)

On XX/XX/XXXX and XXXX, XXXXI sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

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

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-08-08
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. (NJ)

On XX/XX/XXXX and XXXX, XXXX sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

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

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

I have been trying for over a year to get my mortgage ins taken off as well as stop using their mismanaged escrow. My escrow payment is twice as much as my mortgage. I want to discontinue the escrow and mortgage insurance. I am WELL below the 80 % threshold. The customer service line is always " experiencing high call volume '' so you can never speak to a human ( was on hold well over 2 hrs last attempt ) and I have sent 7 online inquiries trying to get this resolved. The most recent attempt was XX/XX/22. I also have an issue of them reporting late payments while is was under a forbearance. I tried to get out of my forbearance for 10 months! I understand covid had an effect but you didnt have to mark me past due when i tried to get out of the forbearance. I had to apply for a mortgage modification 4 times before it was finally accepted but they continued to mark me as past due on my credit bureaus.
Consumer complaint received 2022-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I am in receipt of Common Wealth letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NV)

I received a letter, ( dated XX/XX/2022 ) which apparently crossed in the mail with my regular mortgage payment, stating that an amount of {$520.00} was " unapplied. '' And that I needed to send them {$340.00}. I was completely confused. I had not sent any partial payments. 

I wasted some personal time calling in. I initially spoke with XXXX, who simply gave me back the information I had given her. I asked for the manager and spoke with XXXX. He let me know they have this excess amount of money which is mine and that they also had my full payment. I parenthetically state they made mention the word " foreclose '' in their letter. 

XXXX agreed to send me back this money. He said it would take 7-10 business days and I would receive a check. This is what I expected and I believed I would receive a check shortly. 

Some days later, maybe 6 or so. I get an unrecognized call. I usually do not answer, but had workers trying to reach me so I did. Some woman saying I'm XXXX from M & T bank is demanding to speak with me and is telling me I have to fax the bank proof that this excess money is not ill-gotten gains. Or some polite version of that. 

I should have thought that would be the bank 's job to do the forensics on this to understand where they made the error. I told her I didn't have to do any such thing, with slightly more colorful language [ I do not speak to banks by phone unless I actually personally know the people ] and told her that anything else she had to say to me would be in writing and disconnected without another word. 
Please assist me in communicating to the bank the importance of : 1 ) Notifying people they have " unapplied funds '' and leaving the word " foreclosure '' out of documents unless the client is in arrears. 
2 ) Refunding such money the instant it has been discovered, not initiating a conversation about it. 
3 ) Not demanding that the account holder do the tracing of the money. I did not send them additional money, it is likely left over from something they never had to pay for, charged me for it and never returned it. 

Thank you for your assistance in obtaining a refund of these " unapplied '' funds. 

Kind Regards
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Dear CFPB, I am requesting my case number XXXX, be reopened and reviewed. 

As I stated in my original complaint, I received a 1099-C from Fifth Third stating the amount of {$60000.00} of debt was XXXX XX/XX/XXXX. This amount has never been applied to my mortgage loan, yet it has been reported to the Internal Revenue Service. 

See the attached 1099-C, mortgage statement dated XX/XX/XXXX and, mortgage statement dated XX/XX/XXXX. After reviewing these documents, you will see the {$60000.00} was never applied to my account. Note, a payment of {$25000.00} from the Michigan Homeowner Assistance Fund was accepted. 

This week, I received the attached letter from XXXX XXXX, showing my mortgage has been sent to collections. Fifth Third has closed my mortgage assistance modification application stating I have not submitted the required documentation. This is not true. In fact, my HUD Certified Housing Counselor, XXXX XXXX, spoke with a fifth Third representative, XXXX, on XX/XX/XXXX. XXXX was told all requested documents were received and now the application was under review. 

Also in XX/XX/XXXX, Fifth Third representative, XXXX, told my HUD Certified House Counselor, XXXX XXXX, that she did not know why the {$60.00}, XXXX of debt cancellation was no it applied to my account. XXXX said she will have her supervisor call XXXX with information on this. To date, XXXX has never received a call. 

If the cancelled amount of {$60000.00} is applied to my account this month, my mortgage will be brought current. 

My home is all handicapped accessible set up to accommodate my XXXX XXXX XXXX children and I can not lose it. I have the income to make the monthly mortgage payments moving forward. 

Your assistance in this matter is very much needed. Thank you for your consideration. Thank you., XXXX XXXX
Consumer complaint received 2022-06-15
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: JPMORGAN CHASE & CO. (CO)

Numerous items purchased via the XXXX XXXX XXXX for the XXXX game XXXX XXXX are no longer accessible to me, and I therefore require a refund for all items. I was unable to process refunds through XXXX 's " Report a Problem '' interface, and XXXX XXXX XXXX were also unable to initiate refunds for me, and directed me to pursue chargebacks through my credit card servicers. However, it is not possible to initiate disputes for purchases over 30 days old using Chase 's website, and there does not seem to be a mechanism to do so over the phone. This matter is also time sensitive : until all chargebacks have been processed, my XXXX XXXX will be disabled, and I do not have access to News, Cloud storage, Photos, my Chase App ( which requires updates ), recipes, any music, etc. If I could have initiated this dispute with Chase directly, I would have done so. 

I have also included the list of the charges in dispute in a separate attachment, and most importantly, a letter containing a detailed description of the violation of Terms of Service committed by the App in question and merchant XXXX. 

The charges in question are as follows, listed in " XXXXXXXX XXXX XXXXXXXX '' format in reverse chronological order : XXXX, {$7.00} ; XXXX, {$30.00} ; XXXX, {$52.00} ; XXXX, {$100.00} ; XXXX, {$14.00} ; XXXX, {$12.00} ; XXXX, {$10.00} ; XXXX, {$5.00} ; XXXX, {$2.00} ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$83.00} ; XXXX, {$100.00} ; XXXX, {$20.00} ; XXXX, {$20.00} ( posted XX/XX/30 ) ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$52.00} ; XXXX, {$5.00}, all of which correspond to In-App purchases in the game XXXX XXXX made through XXXX.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

Chase bank is billing me for a credit card I do not have! 

I have XXXX recorded complaint phone calls with chase bank. They always demand the credit card number which I do not have because I do not have the card. Then they just say they can not do anything. 

Then I receive another threatening email claiming late fees, credit report violations and demanding money for a card I do not have!! 

Please help, Very kind regards, XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-09
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. (CT)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

Experian refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. XXXX and XXXX dispute has been denied as well. After going on websites though portal. Still denied.