davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: FIRST NATIONAL BANK OF OMAHA (RI)

About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paypal Holdings, Inc (OR)

Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 XXXXXXXX XXXX sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/20XXXX XXXX  sent a letter stating they can not issue credit for my request of XXXX XXXX XXXX XXXX XXXX. I never applied for this. 
XXXX XXXX XXXXXXXX XXXX XXXX  was unable to approve my application. I never applied for this either. 
PayPal informed online they sent me to collections. I was frauded on PAYPAL, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.
Consumer complaint received 2024-08-12
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. (MN)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2024-08-12
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-12
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. (CA)

I recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft. I found account on my credit report that were not open by me.I am in the process if buying a home for my family. Please remove the fraudulent account from my credit report as soon possible
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been a bank of America Customer for over XXXX XXXX XXXX XXXXXX/XX/year> i noticed there was a hold on my account. Then i visited Bank of America in XXXX WA. They informed me i had a garnishment as a result of payments i did not make. They gave me the number for the Attorney ; when i reached out to him, he read the order to me which states that Bank of America should garnish funds in my account other than my wages. 
Currently i am XXXX  ; the only funds in my account was my XXXX payment of which they put a hold of XXXX on my account. After which my account went to zero after i made some withdrawals. 
Even when my account was XXXX ; Bank of America, still withdrew XXXX from my account that had XXXX balance! How come did they garnish an account that had XXXX balance, I requested to close my account when it was XXXX balance they did not permit me and now they have illegally overdrawn my account over XXXX, XXXX dollars. Kindly intervene for this abuse of customer because they are a big financial institutions. 
Your prompt intervention will be appreciated. I will forward another complaint against my former realtor who misrepresented me during the sale of my home that led to this current financial burden
Consumer complaint received 2024-09-19
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. (AL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-12
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. (NY)

Hello, my name is XXXX XXXX XXXX and i am composing this complaint personally because i am a victim here. These credit bureaus are reporting inaccurate inquiries on my credit profile. I have tried to remove them with the agencies for far too long. They are not being helpful and the stain remains on my report. This is HURTING me. These inquiries are unauthorized. PLEASE HELP ME. I can never get through to speak to manager at Transunion as they keep me on hold for very long period of time. This is not right and unfair. Here they are! 

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
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-17
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. (GA)

For more than two years, I have submitted documentation several times to XXXX with information that substantially proves The XXXX  XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX  XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to The XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Consumer complaint received 2024-08-12
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. (GA)

I am filing this complaint to formally request your assistance in correcting incomplete and inaccurate information on my consumer report, which violates my federal consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 
I have requested the following information from the compaines that says they own the debts and they haven't provide the following information to me yet. 
Provide breakdown of fees including how you calculated what you claim I owe. 
Then provide a copy of my signature on the contract or document that holds me responsible for this alleged debt. 
Verification of the debt amount and its origin. 
Documentation proving that I am legally obligated to pay this debt. 
Verification of your authority to collect this debt. 
Proof of the validity of the debt, including any contracts or agreements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relevant Statutes : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and privacy of information in consumer reports.

15 USC 1681 Section 602 ( a ) : States that consumers have the right to privacy and that their consumer reports should be maintained with the utmost confidentiality.

15 USC 1681b : Limits the purposes for which a consumer report may be furnished, ensuring that reports are accessed only for permissible purposes.

15 USC 1681c ( a ) ( 5 ) : Specifies the time limits for the inclusion of certain adverse information in consumer reports, ensuring outdated information is not reported. 
Given these violations, I request the CFPB to : Investigate the handling and reporting of the accounts in question. 
Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to resolve this issue and uphold my rights as a consumer.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Mortgage servicing company ( PHH ) is not applying payment funds correctly, has incorrect amounts due, & issues payment reminder notices indicating payments not received, debt collection notice, and threats of reporting information to credit bureaus weeks before payments are even due.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-12
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan, opened at XXXX XXXX on XX/XX/XXXX under the account no. XXXX, an account no. XXXX opened at XXXX, XXXX on XX/XX/XXXX, account no. XXXX opened at XXXX XXXX on XX/XX/XXXX, and another auto loan account no. XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These are the extra inquiries Not recognized, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-11
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IL)

From XXXX I have been experiencing a plethora of overdraft fees attached to my checking account with Navy Federal . The payments post extremely late and are left in pending status when I have funds available they wait until the last minute to post the fees leaving me in the negative. I have observed this also done before a ach deposit is made from direct deposit resulting in the bank taking the fees out of my check. They have not returned fees from late post to the account and I have called asking for some assistance with reversal of overdraft fees and assistance with courtesy in regards to my account but have never received any assistance from them to help rectify my account. I have been in this cycle since XXXX. I am aware of XXXX XXXX, et al. v. Navy Federal Credit Union, Case No. : XXXX in the United States District Court for the XXXX XXXX XXXX California XXXX And would like all charges to be investigated and verification of overdraft fees investigated pertaining to my checking account. I feel that there is something wrong I was told to enroll in Oops program and I am still hit with a overwhelming plethora of overdrafts each week. I am aware of The bank collected nearly {$1.00} XXXX in overdraft fees from XXXX to XXXX and I feel I have been impacted as well and discriminated against by Navy Federal.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I have a Wayfair store credit card through Commenity Bank. They do not offer auto payment like every other credit account that I have and as a result, I have accumulated several {$35.00} late chargers and it may affect my credit score. I have emailed them twice and they tell me not to worry, it won't be reported on my credit report but that it is my responsibility to ensure that I pay my bill on time and that they do not offer auto payment as an option. This is pure and a simple a manner for this company to prey upon their busiest of customers and extract additional revenue from them. Additionally, they only allow you to schedule up to 2 future payments at a time, forcing you to either remember or set reminders to come back and arrange for future payments at least every 60 days. I find this unacceptable and would expect that there has to be a law to prevent credit card companies from preying upon their customers in such a manner as it is 2020 and we live in the age of digital technology where everything is done online and can be set up to be done automatically. If there is not a law outlawing this practice, then there should be and I would respectfully ask who to contact to raise my concern and ask that a protective law be considered by legislation. This is particularly concerning because they are preying on some of their most vulnerable of customers during a global pandemic and record breaking unemployment.