davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-05
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (VA)

I recently reviewed a copy of credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and also causing me to have high interest rates.
Consumer complaint received 2024-08-04
Product: Mortgage — Other type of 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: Swe Homes LP (TX)

Complaint to the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX XXXX ( " Defendant '' ), a XXXX XXXX XXXX XXXX, purports to be a lender but has been using various iterations of its name to conduct business unlawfully. 

Despite the transfer, Defendant XXXX XXXXXXXX XXXX XXXX, which is not a licensed lender, continued foreclosure proceedings against Plaintiff. 
Defendant has used multiple variations of its name, including XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX, among others, to obfuscate its true identity and avoid regulatory scrutiny. 

Defendant lacks proper registration and licensing as required by the XXXX XXXXXXXX Organizations Code 9.251 ( 1 ) and ( 12 ) ( C ), which should disqualify it from enforcing any deed of trust lien against the property. 

Issues with XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX a XXXX XXXXXXXX XXXX XXXX use of multiple names is intended to mislead and defraud the court and the Plaintiff. This fraudulent behavior needs to be addressed. 

Texas XXXX XXXX, XXXX a XXXX XXXXXXXX XXXX XXXX, not being a licensed lender, has no legal standing to collect on any mortgage or enforce any lien, especially considering that it has never provided any loan to the complaint. 
The Complaint has suffered significant harm due to Defendant 's actions, including wrongful foreclosure attempts, financial losses, and severe emotional distress. 
IV. Legal Arguments Violations of Texas Business Organizations Code : XXXX XXXXXXXX XXXX, XXXX a XXXX XXXXXXXX XXXX XXXX has failed to properly register as required, making its actions in enforcing the deed of trust lien unlawful. See Tex. Bus. Orgs. Code 9.251 ( 1 ) and ( 12 ) ( C ).

Unconstitutional Actions : The complainant challenges the constitutionality of Defendant 's actions under Section 9.051, arguing that the statute should not protect entities engaging in fraudulent practices. 
Lack of Lender Authorization : XXXX XXXX XXXX XXXX a XXXX XXXXXXXX XXXX company is not authorized to lend money or enforce a lien as it has not proven to be a legitimate lender. Case law such as Bierwirth v. Fannie Mae, which involved registered and recognized lenders, does not apply to complainant. 
V. Request for Action Complainant respectfully requests the CFPB to : Investigate the fraudulent activities of XXXX  XXXX XXXX XXXX a XXXX XXXXXXXX XXXX XXXX and its use of multiple names. " XXXX XXXX XXXX, XXXX '' with the " O '' spelling Impose appropriate penalties and sanctions on XXXX XXXXXXXX XXXX XXXX a XXXX XXXXXXXX XXXX XXXX for violating regulatory requirements and engaging in deceptive practices. 
Provide guidance and support to the complainant in seeking restitution for financial losses and damages incurred. 

Ensure that XXXX XXXXXXXX XXXX XXXX a XXXX XXXXXXXX XXXX XXXX ceases all unlawful foreclosure proceedings against the property.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to XXXX the claim - XX/XX/XXXX : XXXX paid the Bank of America XXXX XXXX XXXX XXXX XXXX leasing company - XX/XX/XXXX : I called BofA to verify my account was fully paid off. The call was recorded and they confirmed it was paid off / no amount owed by me - XX/XX/XXXX : I received a letter from BofA saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that BofA had closed this account and that I owed more than {$15000.00} - XXXX XXXX, XXXX : XXXX XXXXXXXX XXXX ( the counterparty to my car lease ) as well as BofA both confirmed that the account was {$0.00} and settled and they have corrected my credit report. I verify this with the credit agencies and think the issue is settled - XX/XX/XXXX : this zombie account ONCE AGAIN appears on my credit report, damaging it by a negative XXXX points. I call BofA and they confirm that this account is closed and settled and they don't know why it's negatively impacting my credit
Consumer complaint received 2024-08-02
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. (IN)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citizens Bank concerning an issue with a promotional bonus for opening a new account. The promotion promised a {$300.00} bonus for receiving a direct deposit of {$500.00} or more within a specified timeframe. I fulfilled this requirement, but due to an issue beyond my control, the bonus has not been credited to my account. 

On XX/XX/XXXX, my employer remitted a direct deposit of over {$500.00} to my new Citizens Bank account. However, due to an unexplained delay on the bank 's part, the deposit was not posted until XX/XX/XXXX. This delay caused the deposit to fall outside the promotional timeframe, which was entirely beyond my control. 

I have contacted Citizens Bank multiple times to explain the situation and request the promised bonus, but my efforts have not been successful. I believe I am entitled to the {$300.00} bonus as I met the promotion 's requirements, and the delay was caused by the bank 's processing issues. 

Desired Resolution : Immediate crediting of the {$300.00} bonus to my account, as per the terms and conditions of the promotional offer, recognizing that the delay in posting the deposit was not due to any action on my part. 
A clear explanation and acknowledgment from Citizens Bank that the delay in processing the direct deposit was their error and not mine. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue and ensuring that Citizens Bank honors its promotional commitments. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America froze my checking account on XX/XX/2019. I have a printout from the manager of the local bank that morning that shows I had {$5900.00} on deposit. Later that day the fraud dept froze the account and actually closed if. Neither I nor the bank manager were able to access it. 
I filed a complaint on XX/XX/2019 I received a letter telling me the issue was closed and a check would be issued I did not receive a response for a month so I filed a complaint on XX/XX/2019 I received a check for {$100000.00} on XX/XX/2019 and a letter saying the issue was closed I filed a complaint on XX/XX/2019 protesting the decision and the lack of an accounting of the money that they still held. 
On XX/XX/XXXX I received a letter informing me of the decision and the process behind it. The explanation consisted of a 20 page printout of the banking rules and regulations they operate under. 
I filed a complaint on XX/XX/2019 On XX/XX/2019 I received a check in the amount of {$3300.00}. 
{$5900.00} minus {$1000.00} minus {$3300.00} leaves a balance of {$1600.00} that has not been accounted for.
Consumer complaint received 2024-08-02
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)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I had 2 secured credit cards with XXXX XXXX. After receiving a unsecured card from another credit provider I called XXXX XXXX and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. 
I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Based on, 15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE.

RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Consumer complaint received 2024-08-05
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-02
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. (CA)

I reached out to the three credit reporting agencies via mail with copies of my written letter at the end of XX/XX/XXXX. I received no response from any of them in regards to opting out. 
According to the Family Educational Rights and Privacy Act of 1974 it protects me from my school records becoming public. 20 usc ( 1232g ( b ). In my particular case all three credit reporting agencies and the loan company ( Aidvantage ) are in direct violation of the act. 
XXXX, Equifax, XXXX, and XXXX are in direct violation of 15 usc 1681b permissible purposes of consumer reports. Not one of these companies asked for my consent before furnishing these reports.

Also, in violation of 12CFR 1022.3 for identity theft. This was directly added to my report again without my consent. This is reported every month and it has been going on since XXXX of XXXX, which means it has been 135 months.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 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. Equifax, XXXX  and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I strongly disagree with the response provided in your investigation. Despite your investigation, the following incorrect items remain on my credit report. I request an immediate reinvestigation of these items for valid reasons, as they are significantly damaging to my credit rating. 

1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

5. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

6. Please explain how you verified this account to remain on my report when it is COLLECTION reporting a PAST DUE amount. 
XXXX  Account Number : XXXX If unable to explain how you're verifying a XXXX  account with a PAST DUE then please DELETE immediately.
Consumer complaint received 2024-08-02
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. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.