davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've been a victim of a data breach that's resulted in identity theft. Under 15 usc 1681 I have a right to privacy. I'm requesting a re-investigation on the accounts that I've disputed based on 15 usc 1028a aggravated identity theft. on XX/XX/year> I've disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which came back verified.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

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 2023-02-18
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: Dodge Enterprises Inc. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX  cold called me on XX/XX/2023 and informed me that they had obtained my information from company that sells information to which they didnt give me the name of and since Im In  the market for a car I told the person to let me browse their selection first and that is all. The following day I get a notification that they had done a hard pull without my consent or even knowledge. I called several times and all times I was told I the called was being transferred and no one answered and I kept being sent in a dial loop and left messages as well and they never got back to me so much for their family values and their customer service. Not only did they break a consumer law but they refuse to be of any help to fix it.All my calls were done before XXXX but for someone reason everyone was out for the day. This is extremely frustrating and upsetting because Ive spent a lot of money recovering from identity theft just for someone to be so careless, inconsiderate and non complaint with not only their mission statement but with the law as well.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX : I got an email that I opened a XXXX Credit Card and would be receiving the card in the mail. 

XX/XX/XXXX : I got a call from Capital One fraud department that a credit card was trying to be opened on my behalf.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is showing on my credit report has an opened account with an amount of {$29000.00}. This is a previous land lord at XXXX XXXX XXXX in XXXX FL. They're showing as a mortgage loan with a scheduled payment of {$250.00} which is inaccurate. 

I rented from them during Covid-19. I moved and was not evicted from the unit. 
They're saying I was evicted which is false. During that time nobody was allowed to be evicted. I moved from the unit XX/XX/XXXX. 

The file shows a Last Updated date of XX/XX/XXXX XXXX, XXXX with a XXXX XXXX At least 120 days or more than four payments past due. Which is incorrect since I moved in XX/XX/XXXX. The Rental Assistance Program has reached out multiple times to XXXX XXXX XXXX XXXX to offer a payment and they did not respond timely. 

More over no land lord was suppose to be doing evictions or reporting during that time to begin with. I need XXXX XXXX XXXX XXXX to be removed from my credit file immediately.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

I was denied in store for a Lowes Advantage consumer credit card. I received a letter stating " high risk source of application '' a week or two later. Whatever that is. No contact information in the letter at all or any recourse. It is difficult to impossible to find XXXX contact information. I tried again approximately three weeks later at home on wifi speculating Synchrony might consider that secure. Denied again when I tried to pre-qualify. I have excellent credit, a good job and no credit card debt. XXXX reasons I should have been embarrassed in the store. Also, I am doing a large renovation project on my house so not receiving the 5 % off is costing me money.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-22
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: Simple Solutions Credit & Debt Consulting Inc. (MD)

I paid {$800.00} to XXXX, CEO, XXXX Simple Solutions Credit XXXX , AZ XXXX I paid this back in XXXX and XXXX made a bunch of promises over the phone about XXXX major issues on my credit report and they were not legitimate or correct filings on my report. They did not get anything removed and refused to refund my money. 

XXXX also offers others a chance to open their own credit repair business for {$3500.00} or more and she ca n't even repair credit herself. 

I want my money back immediately.
Consumer complaint received 2023-02-18
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. (CA)

XXXX is reporting late payments on two of my XXXX loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. 

Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. 

This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (FL)

I received an alert from XXXX that a collection was added to my credit report through nelson cruz and associates with original creditor XXXX XXXX XXXX on XX/XX/XXXX. Collection stated that the loan was taking on XXXX. Prior to the alert from XXXX, i had no knowledge of XXXX XXXX XXXX. I have never taking out any loan through XXXX XXXX XXXX. I have no knowledge of this account. Prior to contacting XXXX about this collection. I tried calling the number 10 times with no result. Only to have it go to voicemail
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (MD)

I am filing this complaint with the CFPB out of frustration with my lender SunTrust mortgage who is unfairly denying me access to additional modification options after I have proven my eligibility to receive the help. I have resided in the XXXX XXXX area for 10 years and purchase my home XX/XX/XXXX. I have been the primary owner since XX/XX/XXXX and enjoy very much living here. My situation and hardship began after the recession hit that made it difficult to make my monthly mortgage payment because of the shortage of clients and a decline in business. I contacted SunTrust my lender for some modification assistance and was granted a modification program that was a much needed respite from the payment difficulty I was experiencing. Extremely grateful for the assistance I made the payments without fail for 2 years until I received word my mother who resides in XXXX was in a XXXX and because of her financial situation needed my support to cover medical bills and prescriptions necessary for her recovery. Due to this incident I fell behind on the modification payments in XX/XX/XXXX and missed only XXXX maybe XXXX payments. I contacted SunTrust again to see if there was some way to reinstate the previous modification or get access to some other modification arrangements but after SunTrust completed a review for the additional aid SunTrust deemed I could not afford my home. This was grossly inaccurate because I only missed XXXX maybe XXXX months of payments, was still gainfully employed and now back on my feet from the financial set back I experienced and was doing everything to get back in the good graces with SunTrust to regain my mortgage credibility. In addition to that based on my current income and the fact that I am not that far behind on my payments I am certain I fit the criteria for the additional assistance and need SunTrust to perform a more in depth review of my qualifications that will prove I am eligible to receive the aid. I believe this situation can be remedied if SunTrust would open the door to a proper review and consider other payment options for the arrears like putting the late payments at the rear of the loan or increasing the term of the loan granting me the payment cushion I need to get back on track with my mortgage. I am more than willing to work with SunTrust, will comply with any and all request but am having a seriously difficult time persuading SunTrust to offer a reasonable solution to this dilemma.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AZ)

XXXX reported a violation on a background check that wad well over 7 years. They processed a background check disclosing a charge from a XXXX  almost nine years old the background information came from XXXX XXXX XXXX XXXX. The arrest was from XXXX with a XXXX set aside and is still being reported on a background check to checr for the company XXXX in XX/XX/XXXX
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I had already written XXXX letters to Equifax requesting that they update their records with my current address, XXXXXXXX XXXX XXXX XXXX, North Carolina XXXX, and remove any former locations and out-of-date information. I just wanted one address, one employer, and one phone number to be listed on my credit report, yet Equifax has yet to update this information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.
Consumer complaint received 2015-04-02
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them.
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2015, Bank of America wrote me to state they paid a XXXX insurance policy To XXXX with my escrow money and I might not have enough escrow funds. I do n't have XXXX XXXX. I have used XXXX XXXX for the 10 years since I owned this house. I called, they admitted paid someone else 's policy with my money. BUT they will not pay me back the money until XXXX repays them AND it has my name on the check. Why would XXXX have my name!! I call often, can never speak to a supervisor. I am told each time 7 to 10 days I will have the money back. It has been over 7 months with no resolution. NOW they have just increased my monthly mortgage payment by {$220.00} to cover their mistake! Bank of America has taken no responsibility for their error. They readily admit it is their error. HELP. 
They admit the paid the insurance for some other home with the same street address in some other city and state. When you place a street address in XXXX maps you can find TONS of addresses in different cities and different states with the same street address.
Consumer complaint received 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

They can not seem to complete the process of me changing my payment plan to an updated revised pay as you earn plan. I've been trying for months to change and have not been able to. I've had trouble ending my deferment status, trouble getting a payment plan change, most recently I was placed in forbearance and due to make a {$5.00} payment while they changed my plan, now all of a sudden that has been changed and my payment amount is significantly higher with no notice whatsoever. I have no idea what is going on. When I call, I always wait a minimum of 1 hour to speak with someone.
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

A dispute case was supposedly opened on XX/XX/XXXX for a fraudulent purchase made on XXXX, XXXX to XXXX XXXX. XXXX is my email for Paypal account. Someone used my XXXX account and purchased an item, a XXXX XXXX watch in the amount of XXXX. This information was provided to Paypal rep, a gentlemen whom I did not get the name of on XX/XX/XXXX. However, when I called today, XX/XX/XXXX, to provided additional information pertaining to claim I was told by Paypal rep a claim can not be opened due to status of account. As far as I know, no claim or case has been opened pertaining to this charge. I called XXXX and was referred back to Paypal, the XXXX rep said a claim was already opened which contradicts the information I was given just minutes earlier by Paypal rep. The information I was going to provide Paypal and XXXX is tracking information which shows package left with individual on XX/XX/XXXX. USPS tracking number is XXXX. I checked with my mother whom I live with, she was home on XX/XX/XXXX while I was at work, she did not receive any package. I checked with post office and was told package was left in parcel locker, which is strange as tracking info shows left with individual. The package is nowhere to be found, I've checked with neighbors and they have no package with my name on it. As stated before, I attempted to provide this information but was told by Paypal there is no case, which was contradicted by XXXX rep.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

my personal information on my credit report is inaccurate, addresses need to be removed -15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (TX)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX