davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, On XX/XX/2023 I sent a letter via certified mail Transunion a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply which didn't show any documentation from the original creditors or persons which serves as proof that I am in anyway associated with said debt. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterent of my rights to a true investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been 35 days and I have not received my due process of the above issues. 

This company is in valuation of the Fair Credit Reporting Act and 15 U.S. CODE1681I. My request for information and investigation into the below falsely reported debts was to be completed in 30 days. This company has disregarded my rights and due process. I am now demanding that these items be removed from my credit report immediately.
Consumer complaint received 2023-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My loan was consolidated without my permission by either Nelnet or XXXX in XXXX after I had paid on the loan since XXXX. I was told by XXXX that they were taking my loan over and they would put me on an income-driven repayment plan that would forgive any remaining debt in year seven after they took the plan over. I was told this was at the Department of Education 's direction, and I did not file an application or ask for this. I only found out speaking with XXXX, who says the loan was sent to them as a consolidated loan, that the loan had been consolidated. I called XXXX XXXX ( XXXX contact at XXXX ) and spoke with XXXX on XX/XX/XXXX. I was told they do not have any contract or recorded phone call to prove I made the consolidation. He recommended I file a fraud complaint with Studentaid.gov. I have made three complaints related to this loan, and they closed them all in a couple of days without investigating them. XXXX or Nelnet submitted fraudulent applications which have my typed name on them and concocted information about my address and references. No one seems to know which company did the consolidation for certain, and I can not find a lender on either of the applications, but Nelnet Loan Services is listed as the loan to consolidate, which makes no sense because the loan was consolidated at the inception, and I had paid off the separate loans so there was not more than XXXX loan to consolidate. Nelnet or XXXX committed fraud, and no one I have spoken to has helped to resolve the matter. I have also paid over $ XXXX on a $ XXXX loan and still owe over $ XXXX due to the deceitful tactics of Nelnet, who first held the loan, and XXXX, who took the loan over from them. I have attached all of the documents I have related to the loan.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

XX/XX/XXXX, XXXX chime closed my account right out of the blue. i was hacked earlier in XXXX and they had to return the funds to my account. In my credit builder account I had {$640.00} and some change in my accoint and now they are refusing to refound the money. they said something about i didn't abide by the user ageement but they will not explain to me what i have done or what that means. i am behind on my rent because of this company. they are refusing to refund and return to me my social security XXXX money that i receive every month.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i recently disputed some inaccurate and incomplete items that has passed the statue of limitation for Mississippi ( 3 years ) or more than 7 years old on my credit report from Transunion, XXXX and XXXX for the following tradelines ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX never sent me disclosures per 15 USC 6802b XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - BOTH COLLECTIONS ARE ITEMS OF IDENTITY THEFT AND HAVE FILED A COMPLAINT WITH FTC ( IDENTITYTHEFT.GOV ) please delete all items from my credit report
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including XXXX, XXXX, and XXXX, XXXX delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, VA XXXX 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
Consumer complaint received 2024-09-19
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. (CA)

I am writing to formally dispute the inaccurate late payments currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported by credit bureaus is fair and accurate. The late payments in question are erroneous and do not reflect the true status of my account ( s ). 

**FCRA Violations** Under the FCRA, Section 1681, credit bureaus are required to report only accurate and complete information. Furthermore, according to Section 1666b, consumers have the right to dispute any inaccuracies on their credit reports and expect a timely investigation and resolution of such disputes. 

The incorrect reporting of late payments is having a significant negative impact on my credit score, which in turn is affecting my ability to secure credit, housing, and employment opportunities. This is not only unfair but also a violation of my rights as a consumer under the FCRA. 

**Legal Implications** Should this matter not be resolved promptly, I will have no choice but to seek legal representation. Please be advised that if this issue escalates to a legal dispute, the credit bureau will be liable for all associated costs, including but not limited to : 1. Attorney Fees : Estimated at $ XXXX {$500.00} per hour, with a total cost potentially exceeding {$5000.00} depending on the complexity and duration of the case. 
2. **Court Costs** : Filing fees and other court-related expenses, estimated at {$500.00} to {$1500.00}.

3. **Damages** : Under the FCRA, you may be liable for actual damages suffered by me as a result of your failure to comply with the law, including any emotional distress caused by the erroneous reporting. Statutory damages may also apply, with potential awards ranging from {$1000.00} to {$10000.00}, depending on the severity of the violation. 

In light of these potential legal costs, I strongly urge you to take immediate action to remove the inaccurate late payments from my credit report. Please provide me with written confirmation that these items have been removed, or provide me with documentation supporting their accuracy within 30 days of receipt of this letter. 

Failure to address this issue in a timely and satisfactory manner will result in the initiation of legal action to enforce my rights under the FCRA. 

I trust that this matter will be resolved quickly and amicably, and I look forward to your prompt attention to this serious issue. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX This letter is a formal way to assert your rights and encourage the credit bureau to correct the inaccuracies without escalating the matter to a legal dispute. Make sure to send the letter via certified mail with a return receipt to ensure that you have proof of delivery.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

XXXX XXXX approved my forbearances during the pandemic. I was going to get back to my old payments at the end, but they called me to go for loan modification. I made the trial payments as they instructed in XXXX - XX/XX/XXXX, and XXXX XXXX XXXX, but the loan modifications documents had wrong information and never went through. 

They sold my loan to Selene Finance in XX/XX/XXXX and I made my old regular payments to Selene Finance from XX/XX/XXXX. I found that the trial payments from XXXX - XX/XX/XXXX ( {$2000.00} x XXXX ) and XXXX XXXX XXXX ( {$2000.00} x XXXX ), plus a payment of {$2700.00} on XX/XX/XXXX, total of {$17000.00} were unapplied to my loan. 

They called me almost everyday and I asked them to explain to me what happened to those payments, they never explained clearly. I requested them do NOT call me but send their explanations in writing only, but they sent me the wrong information again and again. And they also kept calling me, when I answered the calls, they often hang up or have me listen to the music for a minute then hang up. I called and spoke to a guy on XX/XX/XXXX, and spent over an hour on the phone with him, but he was not able to tell me how they calculated my balance. I asked him to get a XXXX to call me back, and XXXX XXXX called me last week, promised to investigate and get back to me this week. But he called me today stating that nothing was wrong on their records but he couldn't tell me what's happened to those payments I marked on the activities of my accounts history, because he was not the one looking into them, and the people who did look into them were not able to speak with me ( the public ). I was really disappointed and upset.
Consumer complaint received 2023-05-17
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. (OH)

I asked the credit bureaus to verify and send me the proof that I was late for XXXX XXXX  with an account number XXXX opened in XX/XX/XXXX, XXXX XXXX XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and XXXX with an account number XXXX opened in XX/XX/XXXX. 

The bureaus are required to provide me proof of late payments for those account to prove they are accurate.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im writing this to inform you that I have been a victim of indentity theft and I have no clue of who opened up all these accounts in my name and I want to have all these accounts that dont belong to me removed, and also this is hurting my credit score I cant even apply for credit due to these false accounts and wrong information these need to be removed or I will proceed in legal action because I didnt open none of these accounts!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries need to be removed
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

A cashiers check chase bank collective fund on never released funds put on, suspension account, then close, without my consent without proper calls, I hand, against banking regulation. Violated banking regulations by not giving me access to portion of the deposit. Secondly, they suspended the account and eventually closed it. They violated an additional banking regulation by return XXXX, taking money from my checking account, without my knowledge or consent and sending it to the institution where Im made purchase for chase bank violated additional banking regulation, by returning fund from a cashiers check without giving proper notice. Did not notified me that a request was made for return funds.chase bank, violated, banking regulation by not giving me transit action numbers to track money, of the validity of the return. cashiers cashiers check challenges are subject to a 90 day application process, Chase bank again, violated bank regulation, chase bank procedures were totally not in compliance with standard banking regulations I have attempted over the years to have a intelligent dialogue with the chase bank. They have refused, sending me letters with incomplete information. I am never addressing the issue of my money properly. Their food is your responsibility to me against Consumer, regulation.
Consumer complaint received 2023-04-22
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. (FL)

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXXXXXX, has violated my rights. 
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.

This account is fraudulent account, I do not open account with this creditor.
Consumer complaint received 2021-11-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

During closing, the loan officer ( XXXX XXXX ) indicated that {$27.00} per month be held in escrow over the course of the yea to pay my taxes. At the end of the year, the account had a significant shortage because my taxes were roughly {$3000.00}. She based her estimation of taxes on the 2019 taxes. However, {$27.00} per month would not have been enough to cover that {$1900.00} amount either. Now, Loan Depot ( my mortgage company ) is demanding that I cover the shortage over the course of 12 months. Effectively doubling my mortgage. Ive reached out to them and asked them to extend the repayment. Since the was a mistake made by their representative ... ... ... .It has been 3 months of me paying double my mortgage and they continue to push the deadline for resolution further & further. 

To add insult to injury, Ive forced to find creative ways to pay this doubled mortgage while on maternity leave. It has caused significant strain & anxiety as a new mom. Their complete disregard for the lives affect by their mistakes is infuriating.
Consumer complaint received 2023-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I attempted to open a Promo High-Yield 12-Month CD with XXXX, but they denied my applications and said, " we were unable to verify your identification during the application process. '' I called customer service, but they were unable to explain what identification I needed, what had failed, and whether there were alternative ways to verify my identity. I explained that I could send copies of whatever they needed, such as my drivers license and passport.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (WA)

The CEO of my company purchased a gift card for the birth of my child for me. They did not provide a receipt and the gift card company never activated my card. I attempted to call support and they requested a copy of my driver 's license to activate the card, I provided this and now they are saying the only way to activate is through a copy of the receipt which is unattainable. I feel as though this is a scam where they just compile money from those who do not retain the receipt of transaction.