davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This company called everyone I know and left them voicemails about my case. They called XXXX of my family members, before they called me to tell me about the debt being collected. 

In addition, they claim that they mailed me information about the debt but I have not received anything. 

They are operating in bad faith.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

On XX/XX/2023 I called what I thought was the student loan consolidation repayment program. The number given to me was XXXX. They said that I qualify to have my loan consolidated into one and have one interest rate, but that I would have to pay an enrollment fee off XXXX. I made XXXX separate payments of XXXX on XX/XX/2023, and XX/XX/2023. They said they would take out XXXX dollars every month for 240 months for the program. On Friday XX/XX/XXXX I received an email from aidvantage, giving me my monthly statement and I was confused because I thought I had signed up for the program. I called and got enrolled into save but now I know that I got scammed the first time. The website I was given in the letter is https : //melds.ed.gov. I have the fraudulent letter as well as the real letter of the student loan consolidation and payment reduction program and its exactly the same. I can provide pictures and documents that they sent me about the fraudulent payment program I signed up for. They have all of my personal information and Im currently closing my checking account and getting a new one, Im filing a claim and am keeping watch if anything opens up under my name.
Consumer complaint received 2023-09-25
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

Hello, On XX/XX/2023, my cash app card was used for an amount of {$40.00} for a website XXXX. On XX/XX/2023, I noticed this transaction and reported it to Cash app support right away. From the beginning, there has been no investigation into this purchase, but in fact 3 denied disputes and extremely unprofessional and unhelpful representatives that will not provided me with any proper documentation on why they continue to deny this dispute. Every time that I call, I have representatives picking up the phone to say I can not help you with this dispute, anything else? Without me providing any information. I have spoken to supervisors and multiple representatives who continue to tell me its been escalated and they would reach out with a decision. I have not received any phone calls, emails, or chats from Cash app. The only thing I received was a confirmation that this purchase was captured otherwise, everyone has denied me the necessary documents that support their numerous denials for my dispute. I would like this account closed as soon as possible, to report all of the representatives that denied me my right to speak with a supervisor and the stolen money put back into this account so I can close it. I would also like to report XXXX who refused to assist me with this issue.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OK)

This is my XXXX complaint about Chime. They closed my account on XX/XX/XXXX without my consent and with no warning. Chime " says '' a check for {$1100.00}, the remainder of my balance, was mailed to me on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received that check. I have called Chime many, many, many times. I have emailed them many, many, many times. I've been told that I requested that account to be closed back in XX/XX/XXXX, which I did not. I've been told I requested the account to be closed XX/XX/XXXX, which I did not. I'll they have is tell me that account has a {$0.00} balance offer to me to reactivate that account, which I definitely do not. I just want the money that belongs to me. I have given my information many, many, many times and 55 days later I still do not have my money. Please help!!!
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to the Bank of America branch at XXXX XXXX XXXX XXXX on XX/XX/XXXX with two {$100.00} and one {$100.00} bill of worn money. I was refused the service of unfit money exchange and the teller asked me to XXXX for solutions. 

The bills I wanted to exchange are only slightly worn. They should definitely be categorized as unfit money according to XXXX XXXX XXXX The pictures of the unfit bills are attached.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

its a 3rd complain about the closing the mortgage with TD bank 1. We refinance teh mortgage with TD bank on XXXX XXXX. 
We paid all pay off amount but back in XX/XX/2020 we received a letter from TD bank stating that we own an additional {$5500.00}, It was a school taxes that TD bank paid althiught we refinance we the different bank back in XX/XX/2020. 
2. Title company issued a refund in the amount XXXX to TD bank, the check was cleared by TD bank. 
3. I, myself. along with the lawer Mr. XXXX XXXX spend 3 month contacting tTD bank, talking to the superviosr explaining that the mortgage is paid off, title company send a proof that TD get a refund for teh taxes paid.

4. We send all proof to TD bank a few times and teh issues was seems to be resolved.

5. When I contacted TD bank I was told that the mortgage hs athe outstanding amount of {$26000.00} as the underpayment of the pay off. The pay off was send to TD bank again, and the issues seems again to be closed.

6. now we are back to original issue of the tax paid in teh amount XXXX. 

AS I said me, my lawyer and the title compamy were sending the proof that all amount were paid to TD bank. 

I dont have time or energry to explain again and again to TD bank the issue, its seems that TD bank does not have qualifued personal. 
Please see attached the documnets as a proof. Its a third complain about teh same issues
Consumer complaint received 2023-09-25
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: Fig Tech Inc. (TX)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXXXXXX FIG TECH INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank Credit Card Fraud Department on XXXX I lost my physical card and someone made fraudulent purchases. The bank contacted me and I told them it wasnt me. Even when I was on the phone someone was trying again the young lady informed me. After that I received a letter telling me Im responsible for those purchases after their investigation. I did not make any of those purchases and Ive been trying to speak to a representative from the claims department for 4 months now. They keep telling me that someone will contact me. The first time they said I have to wait 2 billing cycles. Then they said 14 business days and the last two times I called they told me to wait 72 hours. They said theres nothing they can do and I cant contact the claims department. So Ive been waiting on a call to get this resolved for 4 months now. At this point it feels as though theres nothing I can do l. Ive done my due diligence and Ive contacted them more times than I can count in this time period with not even a call back. I just want my funds back for the purchases I didnt make. Once again this is regarding the CITIZENS BANK CREDIT CARD FRAUD DEPARTMENT.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (FL)

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Inquiries XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Consumer complaint received 2023-07-25
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-09-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (NM)

Mr cooper wants to embezzle my mother 's cash from secured funds from pension and social security plus my disabiilty compensation funds and liquidate our assets for the debts of a third party that is over 10 years ago without responding to the qualified written request because the property is not the bank 's clients and the cash is not the bank 's customers/clients. 
Instead of collecting from their clients in Florida, they appear to be embezzling funds from a protected minority in XXXX Without such information they really can not collect from assets of a third party who is a innocent purchaser of value 2 title companies tried to get the details of the debt for validation/verification and calculation of alleged payorr, and the bank did not comply They sent a letter saying that on XX/XX/2022 the " debt mortgage and FHA '' loan ithird party authorization was rescinded, resscindded by who? the bank? the priorr 2 owners? a third party? Who recinded that, if that is rescinded then you can not colelct from someone who does not know about the debt you are trying to collect. 
that is against federal law, we received some HUD information from your attorneys and we ontacteed HUD, HUD referred us to a regulator to file a complaint for fraud against the banks/title/customers.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

All I can really say is that I am on check systems for fraud that I dont know anything about Ive been on check systems for 12 years and unable to open a bank account. Is it been a great deal of a problem for me cause me many problems I need help I need to be able to open a bank account so I can have a business and move my life on someone please help me, I am a good man a hard-working person and I should be able to have a bank account without some Fraud that I had nothing to do is causing me problems for 12 years
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023. Errors by Chase Bank resulted in duplicated XXXX  Transactions to overdraw my account. A transaction was wrongly processed for {$2300.00}. As a result my account went negative. The bank confirmed this error was on their part. Because my account was overdrawn, I had no access to any of my funds in the account. It took 24 hours for the bank to reverse the transaction and return funds to my account. I communicated my dissatisfaction to the bank both while on the phone the day of the issue and via direct message on XXXX. No compensation for this improper removal of my funds was provided. There was little concern about the issue in the responses I got back from Chase. I don't understand how the bank can take my funds from my account without permission and not be held accountable or not have to provide compensation for this mistake.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX XXXX Account Number : XXXX  It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.