davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (AZ)

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a business called XXXX XXXX, I tried applying for a business line of credit. 
BOA used my credit score but refused credit. 
They had done this one year before, at that time my credit was XXXX and when I applied for credit now, my credit was XXXX, yet they refused without giving reasons. 
That caused a hard inquiry to lower my credit card. 

BoFA has used past history to treat me with bias with AI-based scores.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Around first week of XX/XX/XXXX, I applied for a loan at Golden One, but I was not approved. They sent a letter and called to notify me that I'm not approved for my loan application. So I didn't continue with the said loan. Then on XX/XX/XXXX, without my knowledge, Golden One had deposited a check of {$13000.00} on my checking account. One day, around XXXX, I checked my statements and realized that they gave me the loan amount of {$13000.00}. I went to the bank and told them that I do not have any knowledge about the loan amount that was deposited on my account, due the fact that they had already denied my loan application. The money is left untouched in my checking account and not been used for other purposes. Then the monthly payment started on XX/XX/XXXX, which caused the bank to deduct the payment amount. On XX/XX/XXXX, the amount was already low because of the automatic payments. I told them that I didn't make any payment but Golden One said I did. It was automatic and paid for monthly for 3 months. I did not setup any automatic payment because I was not supposed to be approved of the loan. All the automatic payment was setup by the bank. By this time, the remaining balance on the loan was already {$10000.00}. you could see the loan was left untouched and only the automatic payment caused the money to be reduced. I spoked to an investigator and they told me, based on their investigation, they used my voice and my automatic signature from an e-sign. I have attached proof that the money was left untouched until the automatic payment kicked in. If I knew that they have given me the loan, I should have withdrawn and used the said loan, but the {$13000.00} was still in my checking account, untouched. 

With all these new technology coming out, my voice can easily be impersonated and also manipulate the document e-sign with a pre-made one.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (NY)

I demand under FCRA : Section 604 : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.

Your cooperation in advance is appreciated.
Consumer complaint received 2024-08-22
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. (NV)

IGNORING MY REPEATED REQUESTS AS FOLLOWS DESPITE SENDING MULTIPLE LETTERS : Inquiry from XXXXXXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXXXXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

HI BANK OF AMERICA ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-09-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

My boyfriend and I received a {$100.00} XXXX gift card. We went to the website on the back ( XXXX ) today, XX/XX/year>, and it said we couldn't access the site on our server. I then called the number multiple times and was hung up on each time.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/XXXX NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I am not a U.S. Bank customer nor ever opened an account with the bank nor desire to ever do so. 

U.S. Bank added my phone number to another customers existing account. This is a huge security and privacy issue for both ways. 

I have gotten text messages on my phone number from U.S. Bank ( XXXX ) about that customers transaction ( s ). 

I contacted U.S. Bank and they kept trying to solicit my personal information ( SSN ) despite me not desiring an account nor a relationship with the bank. This information would be completely useless since I do not have an account with U.S. Bank in the first place. 

I am not sure if my phone number has been removed from their account. Having my phone number even linked like this to someone elses identity is very problematic, considering that my phone number was linked to their account without any code verification ( OTP ) nor my consent. I wonder how many other security issues occur at this bank. 

I want a clear-cut resolution which is the complete removal of my phone number from all U.S. Bank account ( s ). I am willing to sue for maximum damages and launching large investigations into this banking institution if this is not resolved.
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

bill received XXXX in mail, due XXXX ( instructions allow XXXX days ) Check written for entire amount owed and mailed XXXX received bill XXXX for {$39.00} in fees : {$30.00} late fee XXXX previous purchase XXXX paper statement fee XXXX minimum charge XXXX of {$39.00} No new purchases were made and I closed the account due to these excessive, wrongful charges. XXXX was notified of my information with request why it took until XX/XX/XXXX for my check to be submitted to my bank when it was mailed 22 days before? I have excellent credit, pay my bills on time and in full. They responded by sending another bill with more interest. What a " legal '' way to collect more money from those who pay on time and in full. I am on a fixed income and live on a budget. This large amount should be against the law which I thought was enacted in the early XXXX XXXX XXXX. All documentation can be provided.
Consumer complaint received 2023-12-18
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. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK (DE)

I lost my job in XX/XX/XXXX. I contacted my mortgage company XXXX XXXX  XXXX, they did a modification to raise my payments from XXXX to XXXX. I could not afford that. They transferred my loan to Midland Mortgage Services who filed Foreclosure in XX/XX/XXXX. I put the house up for sale because I had some equity in it XX/XX/XXXX. I contacted Midland and the Foreclosure Lawyer XXXX, XXXX, XXXX XXXX XXXX, XXXX. to let them know the house was listed for sale. On XX/XX/XXXX we got a contract and asked for a payoff amount. We sent over the ratified contract and the buyers lender approval letter to Midland and XXXX, XXXX, XXXX XXXX XXXX, XXXX. the foreclosure lawyer. Settlement was scheduled for XX/XX/XXXX, we went to settlement XX/XX/XXXX and the amount of the payoff had increased XXXX for legal fees. I walked away with XXXX proceeds from my house. In reality I should have walked away with at least XXXX. Plus, a water bill of XXXX  was paid three days before settlement by my tenant and they took that. This is outrageous! I have complained to all parties, and no one will get back to me. I am owed at least XXXX
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CO)

My account was put on hold due to a check I deposited on my account on XX/XX/year>. It was under my dads name and was payed to the order of me. The bank put my account on hold and told me that they need to verify my dads name matches a phone number provided. I provided the phone number and they told me that the number doesnt pop up under his name. We then made my dad his own account separately under his name and they still say they cant verify and that his phone number doesnt show under his name on public records. They closed my account on XX/XX/year>. They also say that thats the only way they can release the funds to me is once they verify the phone number. I have seen complaints about the same issue happening to many many more Chase customers and how they bank until this day havent released their funds to them. Does Chase just keep the money?!
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-02
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. (IL)

I took a look at my credit report and seen things on my file that is inaccurate and is hurting me from getting a house for my family. I would like to get this inaccurate account investigated and deleted and please show proof of how you guy investigating the information. According to us code 1681 ( a ) and ( b ). Also 15 us code 1692 according to fair credit act. Please remove this information. According to 15 us code 1601 I would like for this information be remove. This is a fraud account pro collect and also credit acceptance. There is also inaccurate information from from the account pro collect and credit acceptance. I never live at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

- on XX/XX/XXXX the loan application for home buying for property in california was approved by Rocket mortgage - On XX/XX/XXXX the escrow process was completed, and the contract was signed with lender aka Rocket Mortgage - I called on XX/XX/XXXX about loan servicing and when it does start, i was first misinformed that loan doesn't start until 2 weeks, the loan started on XX/XX/XXXX, and i got no notification of it - I asked for documents, and i was given a run about - On XX/XX/XXXX I called my loan officer, and told them that i found the loan, and closing credits that i have got is not upto par what mortgage gives for similar profile customer, he tried to reach to Rocket Mortgage, and they deflected- I secure loan with 54 % downpayment on XXXX home value amount, and 798 XXXX  score, and least possible risk, but i was charged, and closing cost, which were substantially higher from my known contacts at Rocket Mortgage during that time period Loan Amount : $ XXXX Loan Rate : 7.5 % for 30 years, Closing cost : XXXX, XXXX This is especially when i had asked, can i least possible closing clost, compared to what is being given in market - Feeling uncomfortable about, i asked for Loan payoff on XX/XX/XXXX They started give me run around about closing, and finally gave me loan payoff statement on XX/XX/XXXX I was clearly told that during the loan payoff, that lien would be released immediately, and any pending funds in Escrow would be reimbursed in 10 days/ 2weeks I have proof of this statement - ON XX/XX/XXXX loan payoff was completed, and In the loan close off, they charged me fees, which were not in the original contact. 

- As of today they have neither released my escrow funds/overage on time ( it's been 2 weeks ), and also neither they have started lien release process over last 2 week i have made thorough follow-ups, over phone and email, and they have misinformed me in several different emails and when confronted that i have document for above details for release of lien and funds, they mentioned that website portal was wrong, some emails were wrong, but now they are right.

Also for Fees on closing, they mentioned that is to record with county to release lien, and in the original contract only the fee to record original sale was mentioned for borrower, and when i mentioned that, they said this should have been clarified before signing contract This doesn't make sense, as that by standard, anyone can leverage any bogus fee Releasing of lien is fiduciary/legal responsibility, and operating procedure for lender when they have been completely paid off .... 


- They also responded on giving loan conditions, and loan promotions, as it's upto them, which makes no sense, as that by very standard " discrimination is random '', and this has happened in the past.
Consumer complaint received 2024-07-02
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX  XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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