davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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: U.S. BANCORP (MS)

Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like XXXX I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/2024 was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

My business account never sign up for Chase XXXX XXXX, however our computer got hacked and hacker transfer {$1000.00} out thru XXXX to XXXX XXXX XXXX We got email and mobile notification for an suspicious online activities and our got blocked. We contacted CHASE IMMEDITEDLY. 
10 days later, they declined our claim and said they do not see any suspicious activities and claim the transaction was from our regular device. I told them our computer got hacked. At the same time, we never activated XXXX, so how did the hacker transfer money out thru XXXX!!! 
We never agree on the XXXX agreement either, this is an illegal activities from CHASE!
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Residential Bancorp (FL)

I had my closing on XX/XX/2022, I received the Closing Disclosure ( CD ) from XXXX XXXX ( Loan Officer ) on Tuesday evening XX/XX/XXXX, after he had been promised to deliver the CD to my wife and myself on Wednesday XX/XX/XXXX, that's basically one week later, every day I called XXXX XXXX about sending the CD, He kept saying that I will send it to you guys in an hour, until that Tuesday evening on XX/XX/XXXX. 
When we finally received the CD, we reviewed it, everything ( the higher interest rate, exorbitant and unjustified charges, no buy down ) on the CD was completely different from what that was promised to us by XXXX XXXX and from what from what that was in the Loan Estimate. 
Our concern is mainly on the Closing Disclosure on the second page, under A. Origination Charges, # 1 where we are charged 2.25 % of Loan Amount ( points ) for a total of {$7200.00}, we asked XXXX XXXX why the fee was, he could not give us a clear explanation, he finally told us that, we are charged that fee because we paid 20 % down, which we thought was a bogus explanation. 
When asking XXXX XXXX to change that, he said if he send the CD back to the underwriter, we will not be ready to close on XX/XX/XXXX, us he also known that the builder was going to charge us {$300.00} a day until we are able to close, if we go in default of closing on the date provided. 
We felt like we were played and taken advantage of, we just want our hard working money back, especially XXXX XXXX put us on a very high interest rate 6.125 %, and that our attorney advised us to file a complaint before escalating the situation further. 

Thank you, if there are any questions do not hesitate to contact us.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (CO)

will start with the fact that Im a XXXX veteran with a service connected XXXX along with a Social Security income XXXX. I receive a direct deposit to this AXOS Bank three days before the first of the month every month. XXXX benefits comes to {$1700.00} and Social Security direct deposit comes about the same day usually but later in the day which is always $ XXXX had a settlement of almost {$25000.00} cause I got hit by a bicycle. It went into the bank. I put it in savings. Well, just recently I took {$2100.00} from my savings to my checking account on XX/XX/year> to use the money to rent a XXXX foot XXXX  to go from XXXX  to XXXX XXXX which I leave tomorrow. I used a debit card on the XXXX and spoke to the woman over the phone which XXXX can confirm plus they sent me a transaction receipt. The money was taken from my debit card instantly and from the account. This XXXX was paid for before either of those showed up on my bank account. Besides, I had removed the money from my savings to use it for this and I have screenshots to prove that. They have refused to give me the disability benefits completely trying to say that that money was used for the XXXX I have screenshots of everything. That money just vanished and Im absolutely positive after doing a little basic accounting. If you look at my bank statement for this month, which I downloaded, it doesnt add up. The second problem is almost every night they do this thing called Night Processing which most of the time if its happening and you try to use your card or the money that belongs to you, they wont let you and you have to call and complain. I was in the freezing cold one day for five hours trying to get a hotel room and I couldnt because they did that. This bank needs a really deep investigation because this makes no sense to me whatsoever how they can do this.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (ME)

I made a promotional purchase on my XXXX store card thats administered by Synchrony Bank on XX/XX/2022. The promotion is for 12 months no interest. They are charging me the full amount of the purchase, {$920.00}. The statement shows regular purchases and then underneath it shows my promotional purchase with the terms of XXXX mo 0 % interest. However, the bill total is for the full amount. 

I called customer service and was told that I have to make arrangements with the Bank as it pays the full amount for me. I said, I called The Bank and she acknowledged that I was speaking to Synchrony. She said they charge the full amount unless I pay a set amount. I was set up for automatic payments as I dont want to miss one or be late. She advised I can only choose minimum payment or statement balance for auto pay. I said I want auto pay, but I want my promotional price per month. She said it cant be done. 

Every other institution who loans money over a term sends a bill for the monthly payment as agreed upon. I agreed to pay XXXX equal payments for this purchase, but they refuse to break it down into equal monthly charges. Leaving all calculations to me. 

They will not receive any payments for any purchases until this is resolved. How hard is it to add an equal monthly installment to my monthly purchases for a Bank?
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received a copy of my credit report and noticed an account that I was not aware of. I looked for an address or phone number so that I could contact the company for the alleged debt and they have not provided any information to the credit reporting agency. 
I also never received a notice in order for me to dispute this debt, which is a violation of federal laws. Ive also included a copy of the credit report to show the account reporting FDCPA SATATES : 1006.34 Notice for validation of debts. ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 

FCRA STATES : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Neither of these were provided to me.
Consumer complaint received 2024-09-20
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 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 Upon reviewing my TransUnion credit report dated XX/XX/year> XXXX I identified these accounts as either inaccurate or unverifiable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be **deleted** from the consumer 's file promptly. I am invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. Additionally, 15 U.S.C. 1681s-2 prohibits furnishers of information from reporting any data they know or have reasonable cause to believe is inaccurate. These accounts should not continue to appear on my report, as they fail to meet the legal standards for inclusion. Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SERVICEMAC, LLC (CA)

XX/XX/year> Our home is lost in the XXXX XXXX in XXXX, California. 
XX/XX/year> We contact ServiceMac Loss Control and Customer Service who tell us that it will take 2 weeks to pay off the loan and 2 weeks to deliver the funds in excess of the mortgage payoff back to us. We are also told to ask if funds can be sent via wire to us. 
XX/XX/year> Based on the XX/XX/year> conversation we enter into home purchase contract based on having funds from XXXX XXXX XXXX with a close date of XX/XX/year>. 
XX/XX/year> Check for {>= $1,000,000} from XXXX XXXX XXXX sent overnight to ServiceMac. We include a prepaid XXXX label to return the funds to us. 
XX/XX/year> Check for {>= $1,000,000} is received by ServiceMac XX/XX/year> Loan payoff of {$450000.00} is made by ServiceMac using funds from the check for {>= $1,000,000} Leaving a balance due to us of {$630000.00}. 
XX/XX/year> In a phone call lasting almost 2 hours we are told by both ServiceMac Customer Service rep and supervisor and Loss Control rep and supervisor that it could take 15-30 days for our check for {$630000.00} to be sent to us. This new timeline was a surprise and put our closing on our new home in jeopardy.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (VA)

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} XXXX XXXX XXXX XXXX  Balance of {$550.00} DEPT OF ED/AIDVANTAGE - {$1800.00} DEPT OF ED/AIDVANTAGE - XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer. 
15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions. 
15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.