davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
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. (IL)

To Whom It May Concern : I am filing a complaint against TransUnion, LLC due to their failure to remove unauthorized credit inquiries from my credit report, despite multiple requests and documented evidence that these inquiries lack my authorization. These unauthorized inquiries have impacted my creditworthiness, and XXXX lack of compliance with the Fair Credit Reporting Act ( FCRA ) has infringed upon my rights as a consumer. The details are as follows : Unauthorized Inquiries : My credit report lists the following unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ODE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and each entity listed above has confirmed they have no record of my authorization or any permissible purpose for accessing my credit information. 

Violation of FCRA Regulations : TransUnions failure to remove these inquiries constitutes a violation of the following sections of the Fair Credit Reporting Act : Section 1681b ( c ) : Credit reporting agencies may only provide reports for specific, lawful purposes. None of the inquiries listed meet these requirements.

Section 609 ( a ) ( 1 ) ( A ) : TransUnion is required to verify each inquiry by providing the original signed consumer contract. To date, they have not provided this verification.

Section 1681i ( 5 ) : This section mandates the prompt deletion of inaccurate or unverifiable information. TransUnions refusal to act on unverifiable inquiries directly violates this requirement. 
Dispute and Response : I originally filed a dispute on XX/XX/XXXX, through both TransUnion and the CFPB under report number XXXX. In response on XX/XX/XXXX, TransUnion stated that inquiries remain on the report for two years, suggesting that I contact the companies involved if I believe there was no permissible purpose. This response does not address the core issue, as TransUnion has not provided any proof of authorization or a permissible purpose for these inquiries. 

I am requesting the CFPBs intervention to ensure that TransUnion removes these inquiries from my credit report as mandated by federal law, and that they are held accountable for their lack of compliance with FCRA regulations. 

Personal Details : Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Date of Incident : XX/XX/XXXX ( initial dispute, report # XXXX ) Company Address : TransUnion, XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

I 've been trying to complete home modification since 2011. I have never been told trial payments were to begin by Mortgage XXXX XXXX with Bayview loans, previously XXXX, and XXXX. The amount past due XXXX, Now new XXXX is XXXX, which was original amount of Loan. Please inquire of accounting, why no reduction in payment since I 'm XXXX % lower on my income. How they keep filing BKR each 6mos decreasing my credit score and foreclosure completed. I 'm always some paper XXXX not includet, when I well aware yrs what I need. I need to keep my home. Is there any financial assitance. Can I have referred to OFHA. I Really appreciate assistance and need to see if this can go
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-02
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. (IL)

I sent three letters to XXXX, Equifax, and XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX, Equifax , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX, Equifax, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
Consumer complaint received 2016-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FIRST HORIZON BANK (TN)

I recently applied for a Home Equity Line of Credit ( HELOC ) from First Tennessee Bank, of XXXX, Tennessee. My application was denied, due to insufficient income. The fact that I have roughly XXXX dollars of real-estate assets, in addition to owning fully my own home, valued at roughly XXXX dollars, upon which proposed HELOC would be based, apparently had no bearing upon First Tennessee Bank 's decision, in regard to said HELOC. 

According to the CFPB pamphlet " What the new Ability-to-Repay rule means for Consumers, '' referring to a provision in the Dodd-Frank legislation, the rule " applies to most mortgage loans. However, it excludes certain types of loans, like home equity lines of credit.... '' As the CFPB pamphlet relates, income should have no bearing on a HELOC, which is a loan upon the value of the potential borrower 's equity in the property itself. Again, I own XXXX % of my c. {$500000.00} home. There is no mortgage. 

By rejecting my application on the grounds of insufficient income, First Tennessee Bank would appear to be in clear violation of the law, as related in the above-cited CFPB publication. 

First Tennessee Bank 's claim that bank regulators require them to base their approvals of HELOC 's upon prospective borrowers ' income, does not excuse First Tennessee Bank from their apparent violation of law. Nor does said claim relieve First Tennessee Bank of any penalties or awards resulting from said violation. 

I am a retiree, with very limited income. Living expenses require that I supplement my insufficient retirement with personal assets. Recent expenses require that I liquidate one asset, a certain parcel of commercial real estate, in order to meet ongoing expenses. Until that happens, I need a HELOC to meet said expenses. 

The refusal of First Tennessee Bank to advance such HELOC, allegedly contrary to law, places me in jeopardy of losing my fully-owned home, contrary to reason and justice. First Tennessee Bank 's action or inaction has caused me tremendous emotional stress and pain, in the months since their refusal. 

I implore the CFPB to use whatever powers and influence it may have, to try to induce First Tennessee Bank to uphold the law, and not refuse my application, due to insufficient income. Thank you very much.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last 4 Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my XXXX credit report. The following are the details of my dispute : Dispute 1 : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute 2 : XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX, no statute of limitations SEE MY WEBSITE XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I have four borrower defense cases with the United States Department of Education against both of these lenders and the games that they have played with my information ( OBSESSED ID THEFT ) down to preventing me from getting my XXXX XXXX. Ive applied at several schools. They accept me and then turn around and compromise my ability to attend and slap me with all kinds of loans that were never paid to me, and now I cant even attempt to even attend any college because theyve done so much damage to my credit report theyve done so much damage to my identity. Its been all this internal ID theft, and they will not do anything right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VICTIM ( since XXXX ) { XXXX XXXX Days to BLOCK ( SENT XX/XX/XXXX, still not done ) } XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX, EXPERIAN & US DEPT OF EDUCATION | XXXX XXXX  | US DEPT OF TREASURT | FEDERAL CORPORATE FINANCIAL FRAUD | XXXX & ALL CRYPTOCURRENCIES XXXX XXXX XXXX XXXX FEDERAL OMBUDSMAN | BORROWER DEFENSE CASES | US DEPT OF EDUCATION | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$370.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX XXXX  XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Auto Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CO)

My husband and I have recently successfully completed our chapter XXXX bankruptcy. During the bankruptcy the company demanded large payments throughout the entire year of XXXX of a total sum of around {$44000.00} that has not been accounted for. Toward the end of our bankruptcy we received letters from the mortgage company who took over or bought or loan stating our current mortgage, escrow was substantially increased and they demanded payment and recently we received a certified letter dated XXXX XXXX, XXXX, that they have not received most of our payments for XXXX and a ( Notice of Default and Notice of Intent to Foreclose ) on our property. Our bankruptcy attorney reached out to the company and so did I, but the company would not return or respond to our concerns or answer any of our questions. The company is asking for a sum of {$13000.00} which continually fluctuate. The company also said they did not know of our chapter XXXX had been discharged, but a CERTIFICATE OF NOTICE was also sent to their location. I have a letter that I 'm going to forward to their office which their office would prefer me to fax. I asked if they had a physical address and the reply was no they are a call center. I have supporting documents to validate that their accounting is not accurate. My loan is a conventional fixed loan, so I do n't understand the increased amounts of our monthly payments ; increased principal balance we owe ; increased escrow account ; the company is refusing to accept conforming payments an imposing unreasonable charges, fees and other charges I do n't feel we are legally obligated too. Please investigate this case I will forward the supporting documents I have. 
Sincerely,
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of {$200.00}, the amount of interest charged is {$100.00}. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, XXXX. I believe that the customer service folks at Capital One have no idea what XXXX is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. 
This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is XXXX made on the day which the payment is due after XXXX XXXX. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after XXXX on weekdays?
Consumer complaint received 2016-08-17
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BBVA FINANCIAL CORPORATION (ND)

I set up a new account with a company named Simple, I went through the process to start a wire transfer, confirmed the mirco test deposits as they requested. Then set a transfer from my old bank of {$500.00}. Set to deposit in my Simple account on Monday XXXX The money is not there and Simple refuses to tell me anything at all. They have demanded documentation including my social security number photo id and old bank statements from 2 months ago. They still refuse to give me any information they have hijacked my money.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

I was cosigning for my son 's college loan and was declined. My credit score has between XXXX for 20 years. requested a credit report & found XXXX delinquent payments to XXXX. Have n't been with XXXX for two years switched to XXXX. When I called XXXX they said it was for an address in Ohio. My inlaws who were part of my friends and family network. They switched to XXXX 4 months ago and have problems getting XXXX to close their account. evidently the account went to collection. I was never contact by the collections company. My sister inlaw has been trying to get a copy of the bill but the collections company does n't have access, finally yesterday XXXX/XXXX/XXXX I called XXXX with her account number and they said they would send her a bill. She received it electronically and paid it and said she would work with XXXX to get reimbursed. For at least 15 years my inlaws had XXXX i had no idea I was anything more than part of the friends and family network. I called the collections agency who said they never sent anything to my address since that wasnt ' the address for the account. When I gave the account number to XXXX XXXX at XXXX collection she said the account had been paid in full and she gave me XXXX approval codes. She advised me to contact XXXX Recovery Dept. and give them these approval codes ( XXXX and XXXX ). Sue told me she could n't take the delinquencies off of my credit report but that verizon could do it. I 've spent more than 4 hours speaking with various people or waiting on hold with verizon. The last women XXXX while very apologetic said there is nothing she can do. she said that these would stay on my credit report until XXXX which I told her was ridiculous. I 'm contacting you asking for help, please look at my credit report you 'll see that i 've always paid my bills ontime and have had good credit. I 'm not sure if this is the right approach but am just looking for help. 
Thanks you for helping me. 
Regards, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting the immediate removal of fraudulent information from my credit report as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 605B, you are required to block this information within XXXX business days. The following accounts were opened fraudulently due to identity theft : XXXX XXXX XXXX XXXX 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 2016-08-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

I CAN NOT GET IN TOUCH WITH EQUIFAX. I WANT TO EMPHASIZE THAT I HAVE ONLINE VERY EASILY LIFTED THE FREEZES I HAVE WITH XXXX AND XXXX, HOWEVER, EQUIFAX PERSISTS IN TRYING TO SHAKE MONEY OUT OF PEOPLE.I HAVE A PIN, I HAVE A XXXX PIN, AND I SHOULD NOT AND WILL NOT PAY XXXX BUCKS TO THESE GOUGING XXXX AT XXXX, ALWAYS THE ONLY ONE TO CAUSE SOOOOOOOOOOOOOO MUCH PROBLEMS. 
I CAN NOT GET MY MORTGAGE REFINANCED UNTIL THESE XXXX AT EQUIFAX LIFT THE FREEZE TEMPORARILY, AND I AM SO XXXX TIRED OF THEM BEING ALWAYS THE ODD DUCK, THE ONE THAT TRIES TO SHAKE MONEY OUT OF EVERYONE. THERE IS NO WHERE TO PUT IN ONE 'S PIN WHEN YOU GO TO THE SITE. THEY JUST WANT TO WEAR PEOPLE OUT, WEAR PEOPLE OUT SO THEY JUST GIVE IN AND PAY THE XXXX BUCKS, THESE GREEDY THIEVING XXXX HERE AT EQUIFAX. 
XXXX XXXX XXXX CAN NOT PUT MY MERGED REPORT TO START THE PROCESS UNTIL THIS PILE OF XXXX COMPANY EQUIFAX LIFTS THE FREEZE. YOU TRY TO GET IN TOUCH WITH SOMEONE OR TRY TO DO THIS ONLINE IT IS A XXXX NIGHTMARE WITH THIS COMPANY.