davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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)

XXXX XXXX continues to report a collection on my credit that the company stated they have no knowledge of the debt. I submitted a complaint to the CFPB XX/XX/2023, claim number XXXX regarding a debt that was paid to XXXX XXXX system via direct debit from my checking account. Professional collection was closed and XXXX collection assumed company. The stated to the CFBP that they have no knowledge of the debt. In addition, I reached out to professional collections with the number provided by XXXX and the company is closed. So, XXXX should have removed this collection from by credit report when I sent the emails proving I paid the debt or when I initially disputed the debt.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I recently made a complaint and your company responded saying : Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We confirmed you made a payment of {$3000.00} on XX/XX/year>. 

We confirmed a payment of {$2000.00} was made online XX/XX/year>. We confirmed XXXX XXXX was used to log into the online account on XX/XX/year>, to schedule the payment {$2000.00} payment. The payment of {$2000.00} was returned due to being unauthorized on XX/XX/year>, and we sent you the attached letter dated XX/XX/year>, confirming this information. 

___________________ So my question to your company is HOW is XXXX XXXX  confirmed used to log into an ( online ) account, that I NEVER logged into to make this transaction??? 

I ONLY log into my mobile account, and I only use my XXXX XXXX with my mobile phone. 

How, somebody please tell me how? 

Your company did not verify these details correctly!! 

Not only did I NOT make a {$2000.00} payment, my account was closed because of it AFTER paying {$3000.00}! ON TIME! 

Why is that fair??? 

Why would I make a {$2000.00} payment that doesn't go through AFTER making a {$3000.00} payment on time that did?? 

Nobody is investigating this situation! I should be able to have my account reinstated and everyone continues to tell me there is nothing they can do!! 

Your company also specified that one of the reasons my account was not reopened because I used the card! When your company offered to give XXXX points for spending a large balance within 3 months! 

I filed with the FTC and Police Department. My information was confiscated!! 

This is also not the first time I was frauded using Chase Bank! 

I am imploring this be investigated further and something be done! 

Earlier this year a company with Chase bank frauded my company for {$7400.00} and nothing was done. 

Now this! 

Why do these things continue to happen? And I am supposed to just be out of money and there is " nothing you can do ''? 

I highly Doubt it!
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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 an account without my written instructions. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Solutions ( Original Creditor : XXXX XXXX ) Account # XXXX
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oakridge Direct Solutions Inc. (UT)

On XXXX XXXX, 2017, I received multiple phone calls from Oakridge Direct Solutions ( " Oakridge '' ) on  my cell phone at XXXX attempting to collect a debt for a third person. I asked them to remove my cell phone ( verbally, via email, and via written correspondence ). Oakridge violated the FDCPA multiple times ( e.g. attempting to collect a debt with a bystander, feigning the debt arose from criminal activity, failing to give a FDCPA warning, using hidden phone numbers to collect said debt, denying they are attempting to collect a debt, and lying about legal papers and processes ). See Recording ( attached ) XXXX ( Screenshot_XXXX ) and XXXX ( Screenshot_XXXX ). Ergo, I filed a complaint with your office. See Complaint XXXX. <P/>On XXXX XXXX, 2017, Oakridge again called my cell phone at XXXX still attempting to collect a debt on this third person. See XXXX ( Screenshot_XXXX ).  Oakridge left a message to call XXXX. I called and received a message this number is not valid, or no longer in service. However, when I had others call - then they receive a message they reached Oakridge. <P/>Plainly, this is telephone harassment as Oakridge continues to call and leave messages with me knowing they have enacted measures to stop me from contacting them.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

My mortgage lender HSBC Beneficial is charging me 11.29 % interest rate and refuses to work with me to lower the rate. Even though I qualify for a 3.75 % mortgage from a HUD approved lender.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

We decided to switch banks to Citibank so we opened a checking and XXXX savings accounts on XX/XX/XXXX and transferred money to them. On XX/XX/XXXX, I realized I wasn't able to log in to my account online ( because they never sent me my debit card ) so I had to call them to unlock it and send me one. Once I received my debit card it wouldn't activate online so I had to be on the phone with them for XXXX minutes to get it activated. After all of these issues ( and additional issues applying for a CC with them ), we decided to leave Citibank so I asked what I need to do to close my accounts and they said I had to transfer the money out of the accounts and I could call to close it. So I transferred the money from checking back to our old bank account and tried to transfer money from savings to our old account but it said access was denied and then I couldn't login to my account. I called them and they tried to verify me using my phone # but said it didn't work so I had to wait for a letter to get verified. The letter came on XX/XX/XXXX, I called them again on XX/XX/XXXX to get my account unlocked ( because I wasn't able to access my account or have access to any of my money in my accounts during this time ) and the man on the line, after talking with the security team, told me I had to call them back in XXXX hours since their system was down. I called them on XX/XX/XXXX and the lady told me my accounts had been marked to be closed so I had to wait until my accounts closed in 30-60 business days and then I would receive a check in the mail with the money of all my accounts. I asked if there was a way to re-open them so I could actually get access to my money ( since I still wasn't able to access any of my money at this point ) but she said she couldn't undo the process and I have to wait 30-60 business days until they could mail me my money. There should have been no reason why I was locked out of my account in the first place ( since they literally told me to transfer the money out of my accounts in order to close my accounts to switch banks ) let alone now it is marked to be closed and I still don't have access to my money. They also never notified me of the fact that they were closing my account until it was too late and I was on the phone with the lady on the XXXX. I don't know even know how much money I have with Citibank right now and I want to know so I can make sure they send me all the money that is righfully mine.
Consumer complaint received 2017-06-29
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: U.S. BANCORP (AL)

U.S. Bank Home Mortgage incorrectly reported the status of a Foreclosure filed against me. I have written numerous letters asking them to correct the status. The foreclosure was " REDEEMED '' on the day of the foreclosure auction. Therefore the status of the foreclosure on credit reports from Credit Reporting Agencies should be " Redeemed, XXXX XXXX 2015 ''. Under the Case Law my attorney has reviewed, since the bid at foreclosure of XXXX was for the entire amount U.S. Bank Home Mortgage claimed to be owed based on the terms of the mortgage and U.S. Bank was made whole we do not believe that U.S. Bank legally had the right to even report the foreclosure, since they suffered no financial loss, which is the purpose of negative information on consumer credit reports, to show when an individual financially damaged a reporting entity, not to punish a consumer who has through what ever means legally available to the consumer to make the financial institute financially whole.
Consumer complaint received 2017-07-03
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. (TX)

I discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved inXX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (GA)

On XX/XX/23 I sent a dispute letter ( one of many for this account ) to XXXX and one to XXXX on XX/XX/23 for for the Caine Weiner account that continues to report on my credit report. XXXX has already removed this account, and I understand when one credit bureau removes an account, others must follow suit. So not only did Caine & Weiner NEVER validate this account as I requested, they also are sending me letters with offer to pay while the account is in dispute, which I know is a violation of the Fair Debt Collection Practices Act. Furthermore, Their offer is dated XX/XX/23. I understand under FDCPA guidelines, you can not send someone a letter to collect on a debt while the debt is in dispute and has not been validated. I ask that you please remove this account from my credit report due to FDCPA violation.
Consumer complaint received 2023-10-25
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX continues to report a late payment when they are in clear violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E.

( II ) Covered period The term covered period means the period beginning on XX/XX/2020 and ending on the later of ( aa ) 120 days after XX/XX/2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Consumer complaint received 2024-10-25
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Remove the following accounts from my credit report because they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone XXXX XXXX XXXX Telephone. XXXX
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-07-07
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: Maximus Federal Services, Inc. (GA)

My previous student loan servicer ( Navient ) has turned my student loans over to Dept of ED/XXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an 11 year old account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK (AL)

The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and Discover Home Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX XXXX  's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by Discover Home Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.
Consumer complaint received 2023-10-25
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. (CO)

I am writing to complain to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My name is XXXX XXXX. I am submitting this formal complaint against Bank of America regarding a delayed payment occurrence on my account. The account was established in XXXX, and throughout its history, I have never been late. 

This is what happened : I was traveling for work reasons and fell ill. I can't see any adverse notice and now my perfect credit is destroyed and I can't get home due to the negative mark on XX/XX/XXXX. 

I confirm that I had an adequate balance to facilitate the successful processing of the aforementioned payment. My awareness of the account 's past-due status only transpired upon the identification of adverse effects within my credit report. 

Over the course of the past 18 years, I have maintained an enduring and loyal patronage with Bank of America, consistently exhibiting a commendable record of punctual and responsible payments. This verifiable history of payments stands as a testament to my unwavering commitment to fulfilling my financial obligations. 

It is noteworthy that I possess over 20 distinct accounts, and in each instance, I have diligently upheld a consistent record of timeliness. My steadfast pursuit of cultivating a positive credit history underscores my dedication to financial responsibility. Therefore, I earnestly beseech the company 's benevolence in expunging the record of a belated payment in XX/XX/XXXX from my account.