davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-10-22
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. (NY)

I did not authorize these inquiries to my credit report Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry 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 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

In XXXX of 2019 I submitted a payment of over {$4000.00} to Bank of America. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with Bank of America for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Today, I also submitted a dispute with CFPB for Chime for my Chime Credit Builder Account. This dispute is for my Chime Debit Checking Account. I have submitted a dispute with Chime for unauthorized transactions and received an email today that they will not be refunding my money. The Dispute # with Chime is : # XXXX I am currently losing money, once again, by losing hours with my job, to fill out all this information. 

The transactions being disputed : Merchant : XXXX  XXXX Card Pymt Amount : {$820.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX Gift Cards Amount : {$310.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX Amount : {$350.00} Date : XX/XX/22 Time : XXXX XXXX  Someone, once again, hacked into Chime and made fraudulent transactions now on my debit account, totaling {$1400.00}. I was told that I would have to wait 90 days for this dispute to be fully investigated. I was also told they would refund me provisionally on XX/XX/22 if the investigation was still pending completion. Today, just 3 days later, I received an email that they will not be refunding my funds for the {$820.00} and {$310.00} transactions and that I have to wait 10 days for documents to explain why. The other dispute is still pending for {$350.00}. 

I called Chime and the representative informed me that I need to submit new documentation to support my dispute for them to research further. I am submitted this form to the CFPB because I am requesting a full non-provisional refund sent to me by check in the total of {$1400.00} as I no longer trust their investigation process is in my best interest and I do not trust their security to put money in their accounts as two of my accounts were hacked with two weeks.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights 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.
Consumer complaint received 2023-04-08
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. (KY)

These are the accounts that I am having issues with.XXXX  XXXX  XXXXXXXX XXXX acc # XXXX 
XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX. 
XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 
{$1500.00} acc # 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 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) 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 more than 7 years 15U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2019 I entered transunion.com to receive my free annual credit report that is supposed to be provided by the three major credit bureaus. I was told that the report would be free, however upon signing up, I was immediately charged {$27.00} for the service. The link took me to a site for a more premium transunion service, and I entered my account information believing that it was for identify verification purposes ( once again, I clicked on a link which I believed was taking me to a FREE credit report ). I cancelled the account within 5 minutes but transunion has refused to refund me for this fraudulent and misleading activity. The charge is still pending and they said there is nothing they can do because Ive already made use of the service. I literally cancelled this account as soon as I received notification from my credit card company that this charge was pending. This charge needs to be reversed immediately and credit bureaus should not be in the business of SCAMMING patrons/prospective customers!
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc. (IA)

This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and The Stark Collection Agency or the original creditor. I have also requested that this subterfuge be deleted.
Consumer complaint received 2019-10-22
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. (FL)

On or around XX/XX/2019, I disputed a collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with Equifax to no avail. XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX has failed to verify that the collection account belongs to me. Additionally, I disputed inquiries that were on my Equifax credit file without a permissible purpose on or around XX/XX/2019 and and Equifax requested that I provide my identification which I did on XX/XX/2019 illustrated by the enclosed correspondence and Return Receipt. Additionally, Equifax has delayed an ongoing dispute concerning the collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with the Consumer Financial Protection Bureau ( Complaint ID No. : XXXX ). Equifax has not addressed these issues which has caused me financial harm and have adversely impacted my interest rates. Although I provided my identification to Equifax evidenced by the enclosed correspondence and Return Receipt, Equifax again requested my identification on XX/XX/2019 illustrated by the enclosed.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NY)

I called XXXX to discuss the debt, they cant pull-up debts information using my phone number, when gave them my number they asked me if Im someone else, I think this XXXX account is not belong to my name
Consumer complaint received 2019-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (IN)

In XX/XX/XXXX opened a loan of {$10000.00} w/an interest rate of 12.99 % that originated with XXXX XXXX for a home improvement project. In 1 year and 7months I had paid this loan down with XXXX XXXX to {$9500.00}. That's 19 months at {$130.00} a month a total payment of {$2400.00}. XXXX XXXX  then sold my loan to aqua finance in XX/XX/XXXX. From XX/XX/XXXX I have paid Aqua Finance {$130.00} for 33 months that's a total payment of {$4200.00}. My loan has gone from {$9500.00} to {$8900.00} that is a difference of {$660.00} in almost 3 years. With XXXX XXXX the interest fluctuated from $ XXXX {$100.00}. Aqua Finances interest fluctuates from $ XXXX {$130.00}. Why the big swings in interest? Why am I paying an average of {$210.00} a year towards the principle? At this rate I will never get this loan paid off. It is my belief that this company is improperly billing and manipulating numbers and this needs to be looked into. I sent this to XXXX XXXX, Examiner State of Wisconsin-DFI and Aqua Finance responded but there are discrepancies in their documentation. They claim that due to a revolving credit loan I pay a monthly payment factor of 1.25 % making my payment {$130.00} a month that is inaccurate, that was never agreed to and this was the first time I had ever heard that. They also included months of XXXX XXXX payments to increase their principle payment amount in their letter of response to the examiner. There are reviews of this happening to other customers online I am not the only one complaining about the billing practices of this company.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I am writing to dispute a charge of {$2500.00} to my account on XX/XX/XXXX. The charge is in error because of fraudulent / spam activity on my social media accounts, and anything related to my phone number and or email address. On XX/XX/XXXX, I received a link from what I thought was my friend XXXX. She was acting like she was advertising a link. I clicked on the link, and added my phone number and email address without thinking that it was harmless. Later that evening, I received a notification that someone was trying to access my accounts, in particular my XXXX account around XXXX that was someone from XXXX IL. Then followed by an apple request prompting my access code. It was then I realized to check all my accounts that had my email address and phone number associated. By the time I realized it, half of all my accounts that did not have a two-code authorization code were hacked. 
It was then when I called CitiBank and reported the suspicious activity and not authorized charges on my account. I was only able to capture the screenshot of when XXXX notified me it was a user that was not trying to access my account, and I also have the email of apple notifying me that someone was trying to log into my account. I only have two screenshots of facts that I have that confirm these logins were NOT ME! 


my understanding is that XXXX security experts say federal law does protect victims of this type of scam. These kinds of fraudulent transactions are covered by Regulation XXXX, and consumers should be getting refunds!!! The Consumer Financial Protection Bureau put out a directive in XX/XX/XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' Banks should be using fraud filters on XXXX transactions to stop scams -- as they do with credit cards. 

On XXXX, XXXX, CitiBank did refund me for the fund, later on took back the money and stated they changed their minds, that they couldn't insure my money because the funds were used through XXXX and that there's nothing they can do I had continued depositing money as I kept submitting for new request to have the funds refunded back. 
Now my account has been closed because my account was negative due to this awful inconvenience.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I had a line of credit with Paypal Credit ( Synchrony Bank ) that was closed because it became in arrears. I steadily made payments until finally paying off what was then reported as the full and final balance on XX/XX/19, {$420.00}. I then received a bill on XX/XX/19 of {$100.00} for " late charges and purchases. '' I'd previously attempted multiple times ( it's paypal so my bank account information is/was directly on the account ) to set up automatic payments ; the website always claimed " error '' and never allowed me to set them up. I paid the full amount that was being asked ( including multiple " late fees '' ), and got another bill anyway. 

I refuse to pay it. And because I refuse to pay it, the company will continue adding " late fees '' of at least {$38.00} ( as you can see from the bill I received, the late fee is closer to $ 70-100 per billing cycle ). My payments are always posted late. The account is closed. I don't see why I am obligated to continue to pay this company on a paid, closed account they are clearly no longer servicing.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION (IL)

I called each of these companies to remove inquiries from my transunion credit report that I did not authorize nor do i have an account with. Sallie Mae is on here and I am not a student. My credit has been comprised. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SALLIE MAE BANK 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 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

This is a follow-up to complaint XXXX, which has been closed by PHH. They have provided a settlement offer to close the deed in lieu process but nothing more was provided. They have provided with a settlement amount, which seems unreasonable, and I'm unaware of how they arrived at that settlement amount. I have requested hardship assistance and they are offering none, and they are not taking any responsibility for their failings throughout this process. It is unreasonable to expect that I agree to a payment without knowing how they arrived at that amount, without them accounting for their shortfalls in the process, and without knowing next steps or terms of the deed in lieu. 

I would like PHH to take responsibility of their shortfalls throughout this process, which have exacerbated the hardship I continue to experience, and to STRONGLY consider the counteroffer provided. Furthermore, I need PHH to communicate, clearly, the next steps and expectations of the deed in lieu process, expected terms and conditions of the agreement, provide a draft of the deed in lieu documentation, prior to any agreed upon payment or expected signature. I have provided a letter to PHH outlining the issues experienced, my counteroffer, which I deem reasonable given the experiences with Ocwen/PHH, and requesting specific next steps regarding the deed in lieu.
Consumer complaint received 2022-06-13
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. (NC)

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. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-10-22
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. (FL)

I have sent multiple disputes to both XXXX, Transunion and XXXX in which Transunion and XXXX  are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.