davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in rectifying this issue promptly and effectively. 

Upon reviewing my credit report, I discovered several unauthorized hard inquiries made on XX/XX/2023, by : XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX ( XXXX ) XX/XX/2023 XXXX  ( XXXX ) XX/XX/2023 XXXX  ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 XXXX XXXX ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2023 I have taken immediate action to mitigate any further damage by contacting the respective financial institutions and alerting them to the unauthorized inquiries. I have also placed a fraud alert on my credit file with all three major credit bureaus, namely XXXX and XXXX, to prevent any additional fraudulent activity. 

As a responsible and vigilant consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its subsequent amendments. According to the FCRA, consumers have the right to dispute any inaccurate or fraudulent information present on their credit reports. Furthermore, Section 605B of the FCRA states that any inquiries resulting from identity theft must be promptly removed from the consumer 's credit file. 

In light of the aforementioned rights and the fraudulent nature of the hard inquiries, I kindly request the intervention of the CFPB to assist in the immediate deletion of these unauthorized inquiries from my TransUnion credit report. This deletion is crucial to protecting my creditworthiness, as these fraudulent inquiries may impact my ability to secure future credit, loans, and financial opportunities. 

Additionally, I have enclosed copies of supporting documentation. 

I appreciate your attention to this matter and trust that the CFPB will take swift action to address and rectify this issue. Please provide written confirmation once the fraudulent hard inquiries have been deleted from my TransUnion credit report. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Thank you for your prompt attention and assistance in resolving this matter. I look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX online offers a service which I tried and it never worked. I cancelled it due to poor service and returned the equipment. They promise me full credit but instead sent me to collection agency for equipment charge and the poor service charge during the trial period. Every time I dispute it and tell them its invalid and to stop, they send to another debt collector. This has happened four times in last two years and they just dont stop harassing me, never provide debt validation, they just keep passing the debt along to another collector. Please have this stop as the debt is invalid.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I opened a XXXX XXXX account on XX/XX/XXXX. I fell behind in XXXX. The total amount was {$2500.00}. On XX/XX/XXXX I contacted XXXX XXXX on account # *****************.We entered a settlement agreement for {$2000.00} which was paid in two installments of {$340.00} and {$1700.00} on XX/XX/XXXX. XXXX XXXX now wants an additional {$880.00}. The new agreement supercedes the previous agreement. The balance is XXXX. Paid. I would like the credit bureas to delete the record. No payments have been reported by XXXX XXXX. I have forwarded the cancelled checks and the letter that the account is settled to no avail. Advise.
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AZ)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Sloan Servicing requesting documents that validate and verify the alleged debt they claim I owe. To date, they have not produced the requested documents. 

I have asked Sloan Servicing for Validation of the debt ( the actual accounting ) ; ( I want to see where the money came from and how the money originated ), Verification of their claim against me ( an affidavit or a hand-signed invoice ) ; A copy of the contract signed by both parties and therefore binding both parties. The Original Promissory Note, under penalty of perjury and with unlimited liability, and confirm that this Note has never been sold. The name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the XXXX XXXX XXXX XXXX XXXX XXXX, and what actions s/he has taken in relation to this account. 

These documents have not been produced to date.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (AZ)

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 the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (OH)

I closed my AppleCard that is issued by Goldman Sachs because Apole is denying me access to manage my account. I was locked out of my Appleid account when my ex-husband set up a recovery code and changed the 2-step verification phone number on my account without my knowledge of permission. This happened in XXXX of 2022 but he has been logged in and monitoring my activities for much longer, once again, without my knowledge or permission. He has since been impersonating me ( digitally ) and apple refuses to shut the account down. I have called them numerous times to try to resolve the issue but they always treat me like I am the criminal/identity thief. I still had the physical card and had to use it all the way to the credit limit because my ex has been financially abusive towards me. Apple let me make every charge in that card but will not give me access to make payments. That appleid had my entire life on it including years of photos of me and our XXXX kids. He knows everything about me such as social security number and all other information that identifies me. This knowledge, along with the photos, has granted him access to take over my entire life. I can not even get rental assistance because I believe he is also receiving this in my name. I am struggling immensely due to this and they refuse to help me. I did not want to close the card because I knew my credit would take a huge it but finally I broke down and clised it even though there is a {$2000.00} balance. Apple customer support assured me I this would completely shut the account ( the card, not the appleid ) down and I would then be able to set it up with my new appleid. I was not able to do this. It still said I have another account when I tried. I was then told I would not be able to so that until it is paid off and maybe not even then if I am niot approved due to a low credit score. This has been a complete nightmare for me. I do not understand how the credit card can not be untied from the stolen appleid. It is the same as if a physical credit card was stolen and all other credt card companies will immediately shut down a stolen credit card. Actually it is much worse because this account verifies my identity for any other online account. It is impossible that Apple does not realize how devastating this is so I feel they just so not care what happens to a single mother who is struggling simply because I have a measly little {$2000.00} credit limit. I am simply not worth their time. My time, on the other hand, is consumed by this. Time that I was unable to spend with my children as they are growing older. Time that I was unable to find and maintain work. Time that I will never get back. I just need a little help. Please.
Consumer complaint received 2016-09-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (NJ)

I opened a CD account with POPULAR XXXX on XX/XX/2016 online. Towards the end of session online I was told that I should be receiving a welcome package with signature card in 5-7 days. On NOT receiving the welcome package and signature card I have been calling POPULAR XXXX and each time I was told if I did not receive the welcome package and signature card in 5-7 days, I should call them. Since then I have telephoned POPULAR XXXX on XX/XX/2016,XX/XX/2016 and XX/XX/2016 for the welcome package and signature card. Still I have not received them. I like to receive the Official CD either online or by mail. I need your help in completion of signature formalities and my Official POPULAR XXXX CD for my account. Thank you.
Consumer complaint received 2023-05-19
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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (WI)

The debt was set to collection with the first collection company in XXXX. It has been sold to other companies since then and the keep changing the beginning date. This company says the debt is from XXXX but it isn't. I told the credit reporting companies and they said that the XXXX date was ok. The account went to collection in of XXXX beginning of XXXX which is XXXX XXXX XXXX and need to be removed from my credit report. I have not lived in Maine since them and that was the last place I had a phone in my name. I went with other company and my husband had the phone in his name
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

I currently have a Citibank Master Card and recently did a soft inquire for a personal loan. I received a rejection that I was denied because I had late payments on my account and was shocked to see that in the letter they sent me. I pulled up my account and there are no late payments as I have never been late on any of my accounts. 
Today, XX/XX/year> I spent XXXX hours on the phone with Citibank being passed around from one department to another with no resolution. I was told that I had two accounts that were refered to collection with an attorney and they were closed. I immediately checked all of my credit reports and found nothing to verify this information, because I dont have any negative information on my credit reports. No one at Citibank will help me and I am stressed. To make matters worse, Citibank just reduced my credit limit on my credit card and I feel it is punitive because of my forcefullness on trying to get this matter resolved. I need help to fix this and I need answers, my credit rating is at risk for this error.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/XXXX. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
Consumer complaint received 2016-07-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

In the past year, I have been charged {$140.00} in overdraft fees by PNC bank. I was charged XXXX different {$36.00} over draft fees on XXXX XXXX, 2015. I received another XXXX {$36.00} fees on XXXX XXXX, 2015. I have had some overdraft fees reimbursed during my eight years as a PNC customer. However, PNC continues to refuse to reimburse me for the {$140.00} that they charged me in 2015. I am a recent XXXX who is underemployed. {$140.00} is a lot of money to me. You can find these charges outlined under 'Other Deductions ' on my attached bank statements.
Consumer complaint received 2016-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (GA)

I called to put extra security on my bank account since someone had all my personal information. Weeks later I called in to see why they had not resent my debit card. Come to find out they had my address wrong ( I have had them resend it a few times and still do n't have it and they have not corrected my address even though I have requested them to every times ). They never put any security on my account that I requested even after asking for it more than a couple times. Every time I call they just say. I 'm sorry. We have no record of that! I have unable to access my account for months
Consumer complaint received 2023-05-19
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: CCF Intermediate Holdings LLC (TX)

Speedy cash issue was resolved a couple years ago and remove the fraudulent item off my credit report. Now they are putting back on there. Inaccurate information from their company has cause me XXXX  health issues. That was already resolved. Remove this item off my credit file. I Will be taking this further to seek compensation due to these inaccurate issues on my report.
Consumer complaint received 2023-05-19
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. (IL)

XXXX XXXX Account XXXX XXXX has never been 30 days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Franklin Credit Management Corporation (GA)

XXXX XXXX is our XXXX mtg. We had a XX/XX/year> loan initially with XXXX credit being around XXXX. XXXX XXXX interest. We have paid XXXX in bankruptcy XXXX regular ontime payments of XXXX for XXXX XXXX years while on bankruptcy. XXXX going to interest with approx XXXX going towards principle. XXXX XXXX says we still owe XXXX more. XXXX paid through bankruptcy plus approximately XXXX paid while on bankruptcy ( outside ) bankruptcy plus payment we've made even before bankruptcy seems predatory. Now saying we still owe XXXX more? Not adding up.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BMO Bank, N.A. ()

Dear CFPB, I am writing to file a formal complaint against BMO regarding my credit card application mishandling. On XX/XX/year>, I called BMO to apply for a credit card, and the application process took approximately an hour and a half to complete over the phone. However, I have not received any confirmation or response regarding my application. 

I contacted BMO multiple times to follow up on the status of my application and even submitted a formal complaint ( Case Number : XXXX ). After conducting an internal investigation, BMO informed me that, according to their records, I never applied for the credit card. This is untrue, and BMO has asked me to submit a new application. 

Furthermore, BMO revealed that they used a third-party vendor during the application process, something I was never informed of. Throughout the call, I believed I was speaking directly to a BMO employee. This lack of transparency is deeply disappointing and adds to my concerns about how my application was handled. 

I find this response unacceptable, as I have already spent significant time completing the initial application on XX/XX/XXXX. Given that BMO records all phone calls, I request that the CFPB assist in ensuring that BMO conducts a thorough investigation into this matter, including reviewing the recorded phone conversations from my original application. It is unreasonable to ask me to go through the entire process again when the fault lies with BMO 's systems or processes. 

I would appreciate any assistance in resolving this issue and ensuring that BMO takes the appropriate steps to address this matter. 

Thank you for your time and consideration. 

I also attached the phone history from XX/XX/XXXX for your reference.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (DE)

Consumer Financial Protection Bureau Date : XX/XX/2023 RE : Disputing Debt from your Agency Acc # XXXX Waterfall Revenue Group XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Mr./ Mrs. Representative : I filing this complaint with the Consumer Financial Protection Bureau against Waterfall Revenue Group ( collection agency ) located at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New Jersey. ; with the belief this agency has violated the federal consumer protection laws, including the Fair credit Reporting Act, and the Fair Debt Collection Practices Act. 

On or about XX/XX/2023 I received a letter from Waterfall Revenue Group Claiming they conducted an investigation concerning an alleged outstanding balance of {$1300.00} owed to XXXX  XXXX XXXX. 

I initiated a validation letter to the collection agency XXXX Waterfall Revenue Group ) requesting proof of this allege bill, because I have no knowledge of it and do not recall ever having any business transaction with XXXX  XXXX XXXX XXXX. Therefore, requesting that they provide me with the following information to validate the debt : Proof of the original agreement with XXXX  XXXX XXXX XXXX that shows my agreement to pay the debt. 
Documentation that shows the amount of the debt owed, including any interest or fees. 
Proof that they are authorized to collect this debt on behalf of XXXX  XXXX XXXX XXXX. 
They have yet to provided me with this information. My concern in this matter is the data integrity and the associated cost that comes with this dispute.

It appears that this collection agency is not willing to comply with the Fair credit Reporting Act, including Fair Debt Collection Practices Act.

Therefore, Im submitting this complaint for further action to be taken. 

Respectfully submitted.
Consumer complaint received 2024-09-24
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: CITIBANK, N.A. (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.