davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (MO)

I trust this letter finds you well. I am writing to express my deep frustration and concern regarding the continued presence of unauthorized inquiries on my credit report, despite multiple attempts to have them removed. This ongoing issue has had a significant impact on my financial privacy and creditworthiness. 

The unauthorized inquiries in question pertain to inaccurate and is still exist in my credit file. Despite my persistent efforts to address and rectify this matter, these unauthorized inquiries continue to be inaccurately reported on my credit report, causing distress and undermining my financial standing. 

I wish to outline the numerous steps I have taken in my efforts to resolve this issue : On multiple occasions, I have submitted dispute letters to all three major credit bureaus - Equifax, XXXX, and XXXX. In these letters, I have provided detailed information about the unauthorized inquiries and have requested their immediate removal. 

I have provided supporting documentation and evidence to substantiate my claims that these inquiries were unauthorized and should not be present on my credit report. 

In cases where the unauthorized inquiries are associated with specific institutions or companies, I have attempted to communicate with them directly, requesting that they retract or confirm the unauthorized nature of these inquiries. 

Despite these extensive efforts and the considerable time and resources invested, I am deeply disappointed to observe that the unauthorized inquiries persist on my credit report. This ongoing situation is causing harm to my financial privacy and creditworthiness, and it is imperative that it be resolved promptly. 

I urgently request your immediate intervention to investigate and resolve this matter. Specifically, I implore you to : Investigate the unauthorized inquiries reported on my credit report and determine their legitimacy. 

Promptly remove any unauthorized inquiries from my credit report and provide me with written confirmation of their removal. 

Review and enhance internal security measures to prevent future unauthorized inquiries from affecting my credit report. 

Failure to address this issue with the urgency it warrants may compel me to pursue legal remedies to protect my rights and seek redress for the damages sustained. Immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I am asking for your immediate assistance to remove this unknown inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-03
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. (IL)

there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.
Consumer complaint received 2023-11-06
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. (AL)

I sent in letters regarding inaccurate and unknown things on my credit report on XX/XX/2023. To this day, almost 60 days later, I have not received a response yet. My information was included in the XXXX XXXX XXXX. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. According to 15 U.S Code 1681s-2, 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. According to the law, a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (CA)

XXXX XXXX is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke andthey refused to honor the warranty for the defective merchandise. I returned the item to thestore to be fixed and they kept it. Now they are illegally re-aging the account trying to showthat the account is constantly 90 days late every month since then to hurt my credit eventhough this has charged off over almost 6 years ago. The credit report erroneously showsthat that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows thatthe account closed in XX/XX/XXXX. An account can not be closed and be late every monthand be charged off all at the same time. This account is hurting my ability to obtain fair andreasonable housing and I am seeking the advice of counsel and the fair housing authority. 

I have already submitted a complaint to the CFPB about this exact issue stated above and it was closed by the CFPB after La Curacao responded and denied that they were illegally re-aging the account. In their response they attached a XXXX  accounting report showing that the account was closed in XX/XX/XXXX. 

The reason why XXXX does not show any 90 day late payments or the account being derogatory is because the derogatory account is reported through XXXX  and NOT XXXX.I do not even have a XXXX score assigned to me from XXXX. I believe La Curacao is either intentionally or unintentionally trying to mislead the CFPB into thinking that the account is reported through XXXX and not XXXX by only providing information from a single bureau. The CFPB closed that complaint wrongfully without fully investigating what credit bureau it was coming from so I am creating a new complaint in hopes to get fair resolution to my issue. I am attaching an image of the derogatory account from a credit report that was pulled on my behalf. It quite clearly shows that the account was closed in XX/XX/XXXX. It also shows a list of all the 90 day late payments from XXXX which again is impossible if the account was closed as a charge-off in XX/XX/XXXX. It also quite clearly shows that XXXX  is the bureau responsible for reporting and NOT XXXX. This can be confirmed by XXXX  if need be. I hope this is thoroughly investigated by the CFPB this time around to resolve my blatantly obvious credit reporting issue.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (PA)

Today XX/XX/XXXX, I realized my XXXX  membership was deactivated as I got a new debit card late XXXX, XXXX, early XX/XX/XXXX. My XXXX  membership was not renewed as it was an auto-pay. I went to check my credit score and noticed my credit score significantly dropped and found a charge that was not related and or familiar to me. Torres Credit Service XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Act Grid Code XXXX XXXX XXXX balance date : XX/XX/XXXX ; balance {$830.00}. All of which is not mine. Please help me in removing this item from my report ( s ). Thank you. I have left messages for Torres with no response.
Consumer complaint received 2023-05-17
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. (TX)

I have asked that these accounts and inquiries be removed as they are fraudulent and part of an identity theft investigation. The consumer reporting agencies have refused to do so in the last 60 days. I have also filled out an affidavit with the FTC. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX XXXXXXXX ( 4 different acounts total {$530.00}, {$1000.00}, {$430.00}, {$1200.00} ), XXXXXXXX XXXX XXXX XXXXXXXX {$7500.00}, XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX {$2400.00} INQUIRIES : 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 2022-01-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (SC)

On XX/XX/2022 there were four ( 4 ) transactions from the account I have with Cash App in the amounts of {$3000.00}, {$2000.00}, {$1000.00}, and another {$3000.00}. The transactions were fraudulent and I disputed the transactions on XX/XX/2022. I also disputed the transactions with my bank and my bank stated that Cash App is responsible for the fraudulent claims. Because of this matter I have went to the authorities to have this issue rectified. Law enforcement has instructed me to try to dispute the transactions again. I did dispute the transactions again on XX/XX/2022. Cash App again, denied my claims. I have proof/evidence of my account being used fraudulently, though this matter can not be resolved with my bank until Cash App returns the funds to my Cash App account so that the funds can be given back to my financial institution I'm which the money is owed.
Consumer complaint received 2021-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

This complaint is being filed against PNC Mortgage Co. due to the fact that they have refused to mail me a statement for my XX/XX/2021 payment which would bring my mortgage current. Due to the XXXX virus pandemic I was having problems paying my mortgage on time. My county- XXXX XXXX has been assisting their residents with funds from the CARES ACT to pay their mortgage. They will pay the principle and interest and I have been paying my escrow. The mortgage company has a policy of not accepting/ posting partial payments but I have kept them informed of what is going on and they have been accepting my county 's portion of {$490.00} + my portion of {$380.00} : now that my payment for XX/XX/2021 will bring mortgage current they are refusing to mail me a statement. I have ask for a statement when I made my latest part of my payment for XXXX on XX/XX/2021. The person that I made my payment with said she would see that I got the statement ... I've got nothing. On Monday XX/XX/XXXX I received a call from some guy at PNC, who didn't Identify himself, instead he begins to tell me that since I was always late with my payment that I should go back on a forbearance plan. I told him that payments made in XX/XX/2021 would bring my mortgage current and I asked him about getting me statement in the mail. He said he would see what he could do, or I could go to one of their new locations in the XXXX area and get the a copy of XXXX statement printed out asked him to hold for a second so that I could get a pen to write his name down, he said ok, instead he hung up. 
I have gone to two different branches ; each time at first I was told yes then they came up with the lie that they couldn't because they couldn't be sure I was the mortgage ownerthough they were given my Texas driver license and I showed them my XXXX statement which had with me. 
Since this Decembe payment will bring my account current, I know what they are attempting to do since I can't submit to my county for their assistance without a statement, PNC has decided that they will force me back on a forbearance plan because the guy who called me alluded to that. I need some help quickly from you all because they are trying to add every fee that they can come up with such as late charge fee, late charge assessment fee, etc., etc. 
In conclusion, can I please get some assistance quickly from the CFPB, because PNC is just the lowest of low and I am trying to move my mortgage to a more fair and reputable company. 
Thank you.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

So basically, I went to Bank of America to see what was going on with my account they told me that Bank of America closed my account the people online that deal with that. So I called and I didnt get any heads up about my account being closed. I just got this account last month. They told me it was due to suspicious activity and that I needed to be verified so I got verified and now they are telling me they cant do much. I had just made a new password last night for my Bank of America account because I felt like something was off on my app. Im so very confused and upset, because I got this job and Im new and I get paid the XXXX and idk how Im gon na be able to access my account. I need it, its nonsense that my account got closed for no reason, especially without any warning
Consumer complaint received 2021-08-03
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. (WA)

Well over a year ago, I closed my account with XXXX XXXX. I do not remember the exact date, but when this account began to show past due, I called XXXX XXXX and they, in fact agreed that I had closed my account. Prior to that, I had allowed the company XXXX  to automatically charge their annual fee to XXXX XXXX, when I got the notification that XXXX  would charging their annual fee, I called them to cancel my service. Again, I do not remember the exact date. I do have a subsequent email I sent them cancelling my account, but they continue to send me updates to this day, even though the email notes I cancelled my subscription, as if I do have a current account with them. ( Copy of the return email from XXXX attached. ) On my phone call to them, XXXX XXXX agreed that I closed my account and that they allowed a charge to an account that no longer existed, but that it was my fault that I hadn't notified XXXX, which I had. 

I asked them to review the situation, and they said they would. I got a form letter stating that they had reviewed the charge and found it to be proper, DESPITE the fact I didn't HAVE an account with when the charge was made.
Consumer complaint received 2021-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Below is the letter I sent to TransUnion on XX/XX/2021, I have yet to get a response from them and/or a removal of these accounts from my credit report. 

RE : Request for Investigation of Unauthorized Inquiries To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXXXXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In or about XX/XX/2020 my bank account from Bank of America was closed due to a fraudulent deposit from the state of Arizona for unemployed benefits. I have never been unemployed. At that time I was serving as a health care recruiter for the US ARMY station in New Jersey. I told them that I was station in NJ and that I don't received any benefits specially from AZ. During all this time we been going back and forward with this issue and we always get its still getting investigated. My wife account was closed with {$15000.00} dollars and they refuse to give back the funds. Multiple times we get told that our cashiers checks are made but they are in a office that handles the investigations. I have provided all my pay stubs from DFAS and nothing. We are advised by the customer service to call every day but our efforts are not enough. By this I request assistance in this matter.
Consumer complaint received 2023-06-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my THIRD complaint filed against Trans union about an XXXX XXXX XXXX XXXXXXXX. I have contacted the Court in XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by Trans union. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this XXXX  and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX XXXX XXXX XXXX hereby submit this formal criminal complaint regarding a fraudulent transaction committed against me by XXXX XXXX XXXX, residing at XXXX XXXX, XXXX XXXX, with an account number XXXX at Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

The incident in question involves XXXX XXXX fraudulently creating a fake email address in the name of the President of the XXXX XXXX XXXX, XXXX, and using said email ( XXXX ) to deceive me into transferring a sum of USD XXXX to her. Upon discovering the fraudulent nature of this transaction, I engaged in an extensive dialogue with Bank of America, contesting the legitimacy of the transaction. 

On XX/XX/year>, I received the following response from Bank of America regarding my claim ( Claim No. XXXX ) : " Your claim for {$3700.00} has been denied due to no funds being available to return. '' Based on this denial and the fraudulent actions committed by XXXX XXXX, I seek to initiate criminal proceedings against her for fraud and any other applicable charges under American law. 

I have already complained the same to XXXX XXXX  and FBI with no response and attaching the XXXX copy accordingly I kindly request that this matter be thoroughly investigated and that appropriate legal action be taken to hold XXXX XXXX accountable for her fraudulent activities. Please answer me through mail as the timings of XXXX and XXXX varies totally and unable to have the conversation over phone and I am unable to understand the American ascent of the XXXX by XXXX XXXX, XXXX XXXX, Bank of America and she is unable to understand my XXXX XXXX. 

Please help help me in this regard. 


Regards Thanking you Yours XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX : XXXX XXXX