davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (NC)

I requested Transunion to remove certain unauthorized credit inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), these inquiries should not be included in my credit report without my explicit consent. 

The specific inquiries I am disputing are as follows : XXXX. Inquiry by [ XXXX XXXX XXXX  ] on [ XXXX ] XXXX. XXXX by XXXX XXXX XXXX  XXXX  XXXX ] on [ XXXX XXXX ] XXXX. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX  XXXXXXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX ] on [ XXXX ] Accordi

ng to 15 U.S. Code 1681b ( c ) of the FCRA , a credit reporting agency may only furnish a consumer report under specific circumstances, one of which includes the consumer 's authorization. I have not given my authorization for the above-listed inquiries, and therefore, they should be removed from my credit report immediately. Additionally, I am providing a copy of my identification and proof of address for verification purposes.

Please investigate this matter and remove these unauthorized inquiries from my credit report. I expect your prompt attention to this issue and a confirmation in writing that these inquiries have been removed.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

A Georgi a State Tax Lien  (  XXXX   XXXX   XXXX   XXXX   ) is showing on my credit report. Tax Lien is sho wing as filed  XXXX / XXXX /  XXXX  . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MA)

On or around   XXXX   XXXX   on Friday the  XXXX  of  XXXX , I called  TD bank a nd I was assisted by a lady name  XXXX   XXXX  which claim herself to be  one  of the branch managers at the location at  XXXX   XXXX  in  XXXX  Ma. I spoke with this lady for abou t 20 minutes tryi ng to resolve an issue I had with my account. In our conversation we had, I explained to her that the  two over d raft fees assessed to my account were a fraud because I had enough money to cover those expenses . First, she lied to me stating that were no fees assessed to my account and when I confronted her three times that the fees were cleared there, she put me on hold for about 5 minutes because she need it to jump into a different computer she said '' after being on hold for about 5 minutes, she came back on the phone and she said that she was able to see the fees I was talking abo ut, but those fees were accurate according to her judgement. I insisted that my account was positive and when those charges coming, I had enough money to cover them. After that, she went on to say that that was the way the bank makes money from customer by tackle them over draft and return checks fees. I continue arguing with miss  XXXX  and told her that what they were doing was a fraud by stealing money from customers. she went on to say that she needed to call her regional managers and she will call me back with an answer. I waited a week for her response, but she never did. It is clear to me that it comes to customer 's satisfaction, she has the minimum experienced to take care customers. I also explained to her that when I opened my account, I signed in to be opt - in meaning they can pay an item even if I do n't have enough fund to cover and I will be assessed {$35.00} dollars over draft fees which I complied with that. But the reality was different with TD bank. Despite the fact, I signed in to be opt-in, they refuse to pay or they chose what to pay just to make money from the customers. For example : I programed a payment and there were not enough funds to cover, they paid it, and then, they pull the money back again so they can have charged me a return check fee over and over again cause the merchant summited the payment 3 times and the 3 times was rejected so they can charge me 3 times return check fees. But also, the merchant charge  me 3 return checks fees because of TD bank actions by not allowing to pay the item. If they would have to pay the item in  the first try, there would have not been so many returns checks fees assessed from both parties. So far, there has been at least  XXXX   XXXX  dollars return checks fees assessed from TD bank fraudulent. I am demanding td bank to return me all the return checks fees that were assessed to my account and to comply with what I singed in to opt -in and they refused to do it.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I received an offer from chase Bank for a reward of {$300.00} if I switch my checking account to them. Based on this offer I closed my account with my previous bank and opened an account with Chase Bank Bank on XX/XX/XXXX and also had my direct deposit made to this account within 60 days as part of the offer agreement. The other requirement was a minimum of {$50.00} in the account. I complied with all the requirements.

I suddenly received a letter from chase some in XX/XX/XXXX that my account was going to be closed on XX/XX/XXXX for undisclosed reasons. Note that I still had my direct deposit into this account and as at the time of closure there was a balance over {$50.00} in the account.

The account was closed unceremoniously and my balance is yet to be sent to me as should any reputable should.

This is clearly a switch and bait strategy by CHASE BANK. I therefore demand that I be compensated for the injury I have suffered from closing my previous account and then having this closed shortly after I had opened. it.

2. CHASE BANK and all other banks engaging in this unwholesome practice should be stopped from continuing this unfair strategy. If there was a problem with my account why was it opened at all? Everything was verified before it was opened by one XXXX XXXX
Consumer complaint received 2019-11-21
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: SYNCHRONY FINANCIAL (NM)

This complaint is in regards to account with Discount Tire/Synchrony Bank  which was charged off and sold to a debt collector in XXXX. The debt collector was XXXX XXXX XXXX, XXXX. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.
Consumer complaint received 2024-10-29
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. (NC)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-21
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. (UT)

XXXX XXXX/XXXX XXXX  # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (CO)

On XX/XX/2018 I received a credit report alert that a new collection was added to my XXXX, XXXX, and XXXX profiles by a company called XXXX XXXX XXXX. They were able to put a new collection on my account which I do not owe. I've read that this company is a scam that tries to collect money from people with these fraudulent collection accounts. If this was a legit collection I should have been notified either by mail or phone. I was never contacted about this account and I do not have any outstanding collections. This company has reported to XXXX after my first dispute that the account is in fact mine. I have opened another dispute with XXXX regarding this account. XXXX and XXXX have yet to come back with results.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/year> and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report
Consumer complaint received 2024-10-29
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. (LA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-06-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

I am sending this note asking for a update credit report based upon receiving credit hits during Protection Disaster Assistants. My mortgage payments were on time every month for the entire duration of the loan until Hurricane Irma XX/XX/XXXX. I called and made a couple of payments after the hurricane in XX/XX/XXXX andXX/XX/XXXX to do what I could to keep this loan current. I offered to pay the past due amount before they reported again and I was told no need to since I was currently going through a modification. The payments I was making at the beginning of the year I thought were going to my past due balance. I was told that my account was coded incorrectly which caused for the negative remarks on my credit. 
This home is currently under contract for sale and I am trying to purchase a new home. I was told I am no longer pre-approved with these negative remarks and with my Credit Score dropping 88 points. I am 10 days out from being with in the 45 days of closing on the new house and in jeopardy of losing the house. 
I have been calling the bank every day to try to speak with someone and they keep telling me the same thing, there is no one above them that could help me. Im supposed to have a loan specialist and that person has changed twice, I leave messages and can never get in touch with them.

PLEASE HELP!!!

Sincerely XXXX XXXX
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (SC)

Some thieves stole the identity of a friend to disguise himself via my friend 's cell # and text. Because I trusted my " friend '' I wired {$1000.00} from a XXXX to another XXXX located in XXXX XXXX, Texas. Fictious names and addresses were used. The money was picked up 10 minutes after I wired it and I am sure XXXX has video of the person picking it up. These theives are still contacting me wanting more.They took the last of my savings. I don't understand why the local police in XXXX XXXX can not be at the XXXX when she picks it up. The theives are working out of XXXX.They are stealing from a scam called " XXXX XXXX ''. They have tried before through social media and I knew that was a scam. But since my friend texted me, I trusted him, he's an attorney.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (KY)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several Inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-29
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. (TX)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
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Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$1200.00} XXXX  Account number : XXXX Balance : {$5400.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1100.00} XXXX  Account number : XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$660.00}
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MA)

My house was listed last XX/XX/XXXX, but I have made multiple attempts at loss mitigation. We finally got a buyer in and Ditech told us the offer was too low. We put it back on the market and got an offer that met what they wanted and then they issued approval. We were so happy. The buyers are a young couple that had to get a loan. Their lender 's lawyer said they needed until XX/XX/XXXX to close. Ditech only gave them until XX/XX/XXXX to close and then set an auction for XX/XX/XXXX. I can not go through all of this for them only to foreclose right before the buyer is ready. There was no reason for them to set this auction RIGHT before the buyer was able to close. We have short sale approval and the buyers are at the mercy of their lender and they are working diligently to close.
Consumer complaint received 2019-11-09
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. (GA)

After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them removed from my credit report.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received an offer from Citibank for {$400.00} bonus to open a checking and savings account. Terms were to deposit {$15000.00} in new funds within 30 days and maintain that in checking or savings for 60 days, keeping a minimum {$1500.00} in checking and {$100.00} in savings. 

* XX/XX/2018 account was opened. 
* XX/XX/2018 {$15000.00} was deposited ( ACH from another bank ). 
* {$15000.00} combined balance between checking and savings was maintained until XX/XX/2018. 
* I called Citibank and the CSR told me the bonus requirements were met and that I'd need to wait until XX/XX/2018 to receive the {$400.00} bonus. 
* XX/XX/2018 I called again and they stated they would research the issue, stating I'd need to call back in 2 business days. 
* XX/XX/2018 I called again and was told my " request was transferred to another department ''. 
* Another week lapses, then I called back again. CSR escalated to a manager. I spoke to manager " XXXX '' who said he'd call me back the following day after he contacted " the back office ''. He never called back. 

At this point, I believe Citibank has used deceptive marketing to lure me into opening accounts and maintaining a balance at a much lower interest rate than I'd get at competing banks. I feel this practice is unfair and I'd like Citibank to be compelled to honor the terms of their offer.
Consumer complaint received 2024-11-06
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Experian credit reporting agency, block information appearing only credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. XXXX XXXX XXXX XXXX  day late Account # XXXX and the following inquiries XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned account and inquires, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Consumer complaint received 2018-12-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (CA)

I went to XXXX XXXX XXXX XXXX XXXX XXXX, ca. I was informed that once you sign up, that all of your time there would be utilized experience for your job application opportunities. Every time, after graduating from the school. They would give me a list of places to apply to. I would. Go in for the interview. Some of the interviewers laughed in my face, stating, we dont care how long youve been at that school. You dont have enough experience to work for us. Or, Im under qualified. Its embarrassing.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

Ditech claims the last payment we sent was on XX/XX/2018. Because of this, they are defaulting the loan, and trying to foreclose on the home. 
We pay using our bank 's billpay service. According to my bank records, we have sent in three payments since then. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ditech is not attempting to process or cash these payments sent to them.
Consumer complaint received 2018-12-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

One of the 2 accounts from USAA is showing correctly, however one was  not closed correctly with USAA, making it show negatively where they closed the account because it had been fraudulently compromised.