davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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. (AE)

Complaint Against TransUnion for FCRA Violation Failure to Investigate Dispute Timely Dear ( CFPB ), I am writing to bring to your attention a matter of concern regarding TransUnion 's failure to adhere to the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX I submitted a dispute to TransUnion regarding inaccuracies on my credit report Account YES XXXXXXXX XXXX XXXX XXXX XXXX  who also reports as XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). According to the FCRA, credit reporting agencies are obligated to investigate and respond to disputes within 30 days of receipt. However, despite the passage of the stipulated timeframe, TransUnion has not entered a notice of dispute or conducted an investigation into the matter. This apparent violation of the FCRA is concerning as it undermines the fundamental purpose of the XXXX ensure the accuracy and fairness of consumer credit reports. I kindly request that the CFPB investigate this matter, enforce compliance with the FCRA, and take appropriate actions to rectify the situation. Your prompt attention to this issue is greatly appreciated. 

Sincerely XXXX XXXX
Consumer complaint received 2024-01-01
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: LCI Acquisition Inc. (MO)

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights violated numerous time. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States have the right to privacy. According to 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
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: Kikoff Inc. (FL)

I have been messaging kikoff lending llc about a derogatory report on my credit they have made on my Credit profiles with no adjustments. They have yet to remove this account and this goes against consumer laws. 

This is not accurate, current, or verifiable. 

They have a final balance being reported of {$9.00} on XXXX but on XXXX it is a final balance of {$12.00}. The amount of the monthly payment is missing. The final balance says {$0.00} on XXXX so Im not sure why its even in collections. This debt it not valid and needs to be deleted. See attachments below.
Consumer complaint received 2020-04-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing in regard to my dispute of XXXX Account XXXX. I disputed this account formation as being unverified and inaccurate, but I received notification on XX/XX/2020 stating the account information was verified. How is this possible? I contacted XXXX XXXX / XXXX XXXX XXXX and have a letter from XXXX XXXX XXXX on company letterhead which clearly states this debt has a balance of XXXX ; full yet Experian continues to report that this account is accurate? This is absolutely incorrect and by continuing to report this on my credit report Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA states that I have the right to dispute incomplete or inaccurate information and that the dispute must be investigated unless my dispute is frivolous. As clearly indicated in the documentation originally sent with my complaint # XXXX to the Consumer Financial Protection Bureau this complaint is legitimate and with merit and therefore should have been properly investigated. I contend that Experian has blatantly violated my rights under the FCRA by continuing to report this trade line as accurate. 

The FCRA states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I contend that Experian representatives assigned to verify this debt failed to properly carry out their duties and rubber stamped it as verified. This is also a clear violation of my rights under the FCRA. I am confident that this fact will be proven in a court of law as there is no question that the information on my credit report in regards to XXXX XXXX is incorrect. 

This is my last attempt to resolve this issue before litigation which will include seeking monetary damages for the negative impact these violations of my FCRA rights have caused to my credit scores. I have documented proof that I have been denied credit as a result of Experian 's incorrect reporting and refusal to correct. I demand that this item be DELETED from my credit report per my rights under the FCRA. While I prefer not to litigate if need be I will utilize the courts and publicity to enforce my rights under the FCRA. 

I look forward to a swift resolution of this matter.
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C. (MO)

Kramer and Frank had 2 XXXX XXXX accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. XXXX XXXX  did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by XXXX XXXX in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (TX)

My mortgage company changed from XXXX to NewRez ( NMLS # XXXX ) in XX/XX/XXXX. On their website it states that it takes 60 days for them to report updates to the credit reporting agencies. It has been almost 1 year and they have not reported anything to the credit reporting agency and my credit reports show a mortgage balance of 0 and that my last mortgage company is XXXX. 

I have called them 3 times, sent them two emails and sent them a letter. I also sent a letter to their parent company ( Shellpoint Mortgage Servicing ). They have yet to respond.

This is causing my credit score to be much lower than it should be. If i want to refinance a loan, I can't because of the low credit score.
Consumer complaint received 2023-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-04-22
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. (CA)

In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, Experian, XXXX XXXX and XXXX via certified mail with tracking numbers which cost me approximately {$37.00} to do this. Experian Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and XXXX Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Hello, I was charged {$1200.00} USD twice for the same flight booking thru XXXX, once on my Chase bank debit card and once on my chase visa credit card for flight from XXXX to USA on XX/XX/2020. Attached are both tickets. My purchase initially did not go thru on the chase credit card ( it failed ). Therefore I attempted to book with my chase Debit card. That did not work either. Then XXXX sent me an email later that both tickets were confirmed even though I only needed one booked. As you will see on both tickets, its the same traveller ( myself ). This is a clear error on XXXX 's part. 

The charge of {$1200.00} was charged on my chase visa credit card on XX/XX/2020. The charge of {$1200.00} was charged on my debit card on XX/XX/2020. I disputed this charge on the debit card and chase reversed the charge on XX/XX/2020. However, on XX/XX/2020, Chase put back the charge on my debit card for {$1200.00} after completing the dispute resolution. I contacted Chase on XX/XX/2020 and they are unwilling to refund this amount. I have attempted to contact XXXX several times but they will not respond to any inquiries. 

Regards, XXXX XXXX
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/20 I received an email message letting me know that Citibank had a " Decline of card request '' message. I tried for days to call, the XXXX number was hanging up every call, and chat was disabled. I posted on XXXX and followed the company so they could direct message me. It took a couple of days for them to reach out to me, and let me know that the account was 'mistakenly closed by our agent '. No one from Citibank reached out to let me know that the account was being closed, and to date, nothing shows up on the app that I use ( Citi ) to monitor the account, and my limit still shows {$2700.00} ( I can provide screenshot ). 

I did not close the account, and the letter to notify me that I needed to take action was sent only in paper form and the email to tell me that the requests for the card was declined hit my email inbox 5 months after the agent made the error to close my account. I have never been late for any payment, and the account was in perfect shape when it was closed without my knowledge or consent.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX i deposited XXXX from my chase account to my TDbank account by depositing a check in drive thru, to my shock the next day my account was frozen. 
Tried to reach TD by phone several times last week, after holding for almost an hour each time phone was disconnected. 
On XX/XX/XXXX finally reached customer service after 2 hours of holding the phone, abruptly transferred to fraud unit who verified all the info and promised to lift the freeze from my account within 24-48 hrs. which has still not happened, i have spent almost 4 hours on the phone today wed. XX/XX/XXXX and no one can help. 
Meantime i am unable to access my account and missing many transections -deposit and withdrwals for which i want TD bank to be responsible for compensating me for my losses. 
XXXX
Consumer complaint received 2019-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MI)

First, Im a XXXX veteran on a fixed income. Im property tax exempt. XXXX 2018 my township sent a bill to US Bank for my 2018 property taxes, this should of NOT happened. I had it out with my township and then called US Bank to ask them why they paid and why I was being charged XXXX $ per month. I have not missed a monthly payment. I argued with USB that I wasnt going to give them XXXX $ extra per month for how many months only to get it all back when the township sent the tax money back, which they did. I paid my monthly mortgage at the original amount, USB took the money and put it into a holding account until the they received the full mortgage amount at that time ( mortgage + taxes ). By doing this they have put me a month behind. Now they are charging me late fees every month even though I have never been late. I have called numerous times, they want me to make an extra payment. Sorry, but being a XXXX veteran on a fixed income, I dont have a XXXX $ laying around. They are also reporting this to the credit agencies. A XXXX dollar company and this is how they treat a XXXX veteran. If you are a veteran or not, do not use US Bank! They dont care about you or me.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by XXXX  in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX  little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports
Consumer complaint received 2020-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NE)

In XX/XX/2016 I purchased a car from XXXX XXXX XXXX in XXXX, Ne. I had a pre approved loan thru a lender and found an advertisement with XXXX XXXX for a car that fell with in the budget and stated no money down. When I got to the dealership, test drove the car, liked the car, went into the office to submit the paperwork for it, My sales rep comes back a few minutes later and says my lender wont approve the car because it had a " lemon '' title attached to it. He offers to try some of their lenders and see if he can get me approved for more money so i can look at other cars. I found another car and by then they get a response that I was approved by another lender. My sales rep tells me he found a lender willing to give me a loan but under one condition, they would only approve me if i bought the extended warranty contract. Fast Forward 4 years later the subject of extended warranty contracts being used as a tactic to get more money out of lenders comes up and I decide to call my auto lender ( XXXX XXXX XXXX XXXX ) The representative told me that they do not require such a thing, they are not aware of the conditions of the contract drawn up by the dealership for the sale of the car, they just send the requested amount. 
the bottom line here is that XXXX XXXX 's sales rep flat out lied about having to purchase that warranty. That was an extra {$2600.00} tacked on to my cost of that car. I still have 2 years left to pay for that car. i will end up paying just over {$25000.00} for a car that was only 2 years old at the time that had a sticker price of {$13000.00} all because of a lie. 
I consider that fraud. Fraud for lying that it was required to purchase when it wasn't, fraud because they used the fraudulent charge to make up the difference for " no money down. Cant imagine how many other people they have made money off of using this tactic.
Consumer complaint received 2020-04-17
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$4800.00} OpenedXX/XX/XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. 
The Notice also states that if a
Consumer complaint received 2020-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION (TX)

The manner in which BBVA handles the last payment of auto loans is anti-consumer and borderline fraudulent. This is probably true for the whole crooked lending industry. 

For the entirety of the my loan, I have never missed a payment. This was due to the convenience of having an auto-payment set up through my checking account. Then comes the last payment, and the auto-payment stops. About two months later I noticed that my credit score had dropped 120 points due to a past due auto loan payment! I am thinking, " This should be payed off! How could it be past due?! I had auto-payment set up! '' Turns out the last payment can't be made with an auto-payment. You have call in ( which is going to take an hour, at least, out of your day ) and make the last payment " manually. '' So, me, relying on my auto-payment to finish off my loan, missed this for over two months, until I noticed my score drop on XXXX XXXX. No call or anything from BBVA. I called them, waited over an hour, and finally got it paid off, at the cost of 120 points of credit score. 

The reasoning they gave me was muddled and non-sensical. All I can see is that this is designed to : 1 ) Add complexity to something that should be simple, in order to garner more late fees for profit 2 ) Intentionally lower consumers credits scores so that they have to pay higher interest, longer-term loans to fill these lenders pockets even more Considering the current administration, I doubt anything will be down about this, except to make things worse for consumers. But it at least feels good rant about it to the government.