davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-07-05
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: Experian Information Solutions Inc. (MA)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-07-05
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: Experian Information Solutions Inc. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$6600.00} ; 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 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 XXXX
Consumer complaint received 2023-07-05
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. (GA)

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation (FL)

I filed bankruptcy XXXX  XXXX, which was discharged from Aspire credit card. They have on the automated system I owe {$1100.00} and a payment of {$600.00} is due in XXXX. I told them to delete this file I have a discharge order from the judge dated XX/XX/22.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist Bank selected to close their XXXX  checking accounts and move the XXXX accounts to a Truist Bank company named XXXX XXXX. My XX/XX/2023 account statement read I was a " Truist XXXX XXXX XXXX XXXX. Truist / XXXXXXXX XXXX XXXX XXXX sent out information and an agreement the XXXX  account holder 's were required to sign to activate their account. After XXXX, I had been out of the country, and had medical bills to pay upon my return that were due and wanted to utilize my XXXX funds. I also reviewed the information and told I was to receive plastic card to use. I had not received.Due to I needing to pay my medical invoices, I called to many Trusit and XXXX numbers after searching and found Truist owned XXXX XXXX or partial ownership. Most of my calls to XXXX, employees did not provide ownership questions or contact information to account issues. Finally found a contact number after waiting 1 hour plus on each call.The lady and I stroked a conversation, after I told her about not receiving the plastic / debit cards. She clearly stated LOTs of cards were not mailed. Another call, she suggested closing the account to pay my bills. I never had an agreement on fees, etc.. My funds were not avail to pay my bills, no fault to me. Trusit should refund all fees to me & similar situations and not profit for Trusit shortcomings for charging fees like XXXX XXXX has been punished for taking advantage of people. Please see that my funds are returned. As I have called to the phone staff and she has indicated management will not reply to her about the fee charged, as Truist has called the fee with different name. I had no agreement with Trusit regarding this and Trusit taking mine and other funds. When I first opened this account the bank attempted to charge monthly service fee. Trusit has failed to produce a statement with fee deductions.
Consumer complaint received 2023-07-05
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. (NC)

consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-07-05
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. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-05
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 2023-07-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Consumer suspecting fraud by a third-party regarding his Bank of America Business Accounts . The Defendant failed to provide any updates of their investigation, while also failing to respond to requests made by the consumer. Upon discovery of these findings, the Consumer has prepared an overview here within detailing this claim of the Defendants acts of omission, negligence, and wrongful conduct in whole or in part, causing significant financial & emotional damage to the Consumer, pending their investigation of the Consumers claim.
Consumer complaint received 2023-07-05
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. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX , XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-07-05
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. (TX)

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I am hoping that this will be deleted immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I sold my home voluntarily XX/XX/XXXX. Nationstar accepted {$170000.00} XX/XX/XXXX. Nationstar collected $ {$6100.00} in interest but concealed that I only owed {$5500.00} and refused to refund me {$390.00} of {$590.00} over charged interest. Nationstar charged me {$1800.00} in unidentified corporate advances. In XXXX and XXXX of XXXX, Nationstar 7 and 13 months after the sale of my home, citing only {$1700.00} had been applied to unidentified corporate advances allegedly already disbursed by check numbers. Nationstar entered into an agreement with me in XXXX and XXXX, but failed to correct the interest paid only claiming I paid {$5900.00} not {$6100.00}, or the amount actually incurred under the payment schedule and note of {$5500.00} - and never disclosing any new activity with regard to the final payment allocation. 

XX/XX/XXXX, I received what is the ACTUAL final account history under the mortgage. Lines 89-94, 102 and 106 previously stated were " PMTS '' allocated but in XXXX Nationstar 's account history showed the payments as reversed leaving {$1800.00} currently being held in suspense without explanation, and leaving {$1500.00} in unidentified corporate advances outstanding without any payments applied causing the loan to be misrepresented as outstanding and causing my money from the sale of my home not applied to charges to be currently held by Nationstar, that Nationstar refuses through their Counsel to refund or re allocate the reversed payments. 

I believe this is a violation of Oklahoma Statutes Title 59 in concealment of the reversal of the final payment that was previously applied to advances and holding the amount without contractual or statutory rights. 

I believe this is a violation of 12 USC 2605kc1, in Nationstar and through Counsel 's refusal to refund the money and delete the unpaid unidentified corporate advances or simply reallocate the payments as previously applied as late as XX/XX/XXXX, and appearing to have occurred XX/XX/XXXX.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Saturday, XXXXXXXX XXXX XXXXXX/XX/2024 I went to a Bank of America to get a cashier 's check. Please note, I've never once paid for a cashier 's check before. The lady that was helping me stated all of a sudden that the fee was {$10.00}, but when the check was processed she said she " made a mistake '' and its actually {$15.00}. The total of this check was {$1100.00}, with {$1100.00} actually being for teh cashier 's check and {$15.00} being the fee. 

I then learned on my way out from a different bank representative that I could have done a money order at XXXX for {$1.00}, and didn't need to do a cashier 's check. I even told the teller that I wanted to know what the cheapest option was to make this payment given that I did not have a phsycal checkbook. 

I think in light of the confusion and misinformation even during my interaction, I should be reimbursed the {$15.00} for the cashier 's check fee. This is incredibly unfair.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

There has been an unauthorized account opened under my name. I am a victim of identity theft and have filed reports with the FTC, local law enforcement, and as well as my bank. 

Someone has used my personal information to fraudulently open an account with J.P. Morgan Chase Bank. I have contacted them before to try to get them to help me resolve this issue but was faced with neglect of my consumer rights every time. 

Also, I reached out to the credit report agencies XXXX and XXXX multiple times previously to notify them of this situation I am dealing with. Yet, they as well, are neglecting me my consumer rights are refuse to make the correction to my credit report. 

Their noncompliance has taken a toll on my credit and has made my life difficult since it is harder to find housing, due to their mistakes that they deny to correct. 

The subjected accounts details are below : JPMCB CARD XX/XX/2020 {$2700.00} XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

In XXXX 5/3 bank erroneously reported a line of credit that I had paid off over 10 years ago as 1-month delinquent to all credit bureau agencies. Called on XX/XX/XXXX to inform 5/3 bank of the issue. They said it would take 15 working days to resolve. I called back on XX/XX/XXXX and was informed that the dispute was denied because I did not provide proof despite 5/3 not requesting proof initially. Requested to speak to a manager to emphasize the importance - I've never missed a payment in my life and my credit score dropped by almost XXXX points because of the error. She provided # to fax the credit report showing the delinquent report ; faxed on XX/XX/XXXX reports requested. Called back on XX/XX/XXXX, 5/3 could not confirm receipt of the faxed report. Faxed another one on XX/XX/XXXX. Called back on XX/XX/XXXX, associate now said she can not confirm receipt and I have to wait another 15 working days. Meanwhile, my credit still remains in subprime and I can not apply for a new mortgage refinance because of the poor report. There is an urgency to rectify the issue and 5/3 bank does not care and does not share my concern for their erroneous report. I am helpless and at their mercy and they are nonchalant.
Consumer complaint received 2023-07-05
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I am hoping that this will be deleted immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-02-04
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (MS)

Comenity bank XXXX XXXXXXXX An account was opened in XX/XX/XXXX and it was not authorized by me and it is currently closed.I have been trying to get the situation resolved since then and last payment was XX/XX/XXXX and the amount past due is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BSI Financial Holdings, Inc. (MO)

Dear CFPB, I am writing to file a formal complaint against BSI Financial Services regarding their failure to respond to my inquiries regarding an escrow overage check. I believe this matter requires your attention and intervention. 

Details of the complaint : Loan Account Information : Name : XXXX XXXX Loan Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of the Complaint : I have been attempting to contact BSI Financial Services regarding an escrow overage check that I am entitled to receive. Despite multiple attempts via phone calls, emails, and written correspondence, I have not received any response from BSI Financial Services. The lack of communication is causing significant frustration and concern. 

Desired Resolution : I kindly request the CFPB to investigate this matter and facilitate communication between myself and BSI Financial Services. I expect a prompt response from BSI Financial Services regarding the status of the escrow overage check and a resolution to this issue. 

I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me. I trust that the CFPB will assist in resolving this issue and ensuring fair and ethical business practices.