davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

All correspondence should be sent to my attention at the above address.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I tried to get a loan. My personal information was stolen. The bank never told anything about Mobil checks was being deposited and taken out by the Scammers. They did about XXXX of my money out. I had to call and find out. Wells Fargo bank never tried to help me. Kept talking about I did this I told them I dont do mobile Deposit. They refused to try and help me. So that is why I am filing a complaint. Thank You.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

There were several checking accounts that were allegedly opened up and seem to have been defaulted on. I need assistance with this issue as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX BB and T- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX The banks above I have no connection to. Suntrust Bank, however, is a bank that I have been connected to but the balance seems to be off and incorrect. 

Suntrust Bank- XX/XX/XXXX Please, if you all would be able to investigate or remove that would be ideal and great. It's been difficult to open an account and move on life. 

Should you all need any assistance please let me know. XXXX XXXX
Consumer complaint received 2024-07-23
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. (IL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I received a letter requesting my Tax ID #. The letter was dated XXXX XXXX. In bold letters they wrote : To keep using your account please resend by XX/XX/XXXX, XXXX We don't want to lost you as a customer but this account will closed if we don'e hear from you by XX/XX/XXXX, XXXX. 

I called them around XX/XX/XXXX to clarify what would meet their requirements. 

On XXXX XXXX I faxed them a page I believe would meet their requirements from my XXXX taxes. 

I called them on the XXXX to confirm they received it- but it was not logged into their system. I called again a few days later and confirmed it was logged in the system and would take 10- 12 days to process. Also, that " no news is good news '' On XX/XX/XXXX my card was frozen - without any notification. 

When I called customer service, ( XX/XX/XXXX ) the supervisor could only tell me was that my info was in the system and it could take 10-12 days to process ; that she had no access to any other information as it was in a different department. 

I believe this will affect my credit score, it has already impacted my business with automatic deliveries and payments
Consumer complaint received 2024-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2018-01-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

My company has been working on this file since XXXX of this year. We have had to get in contact with HUD ourselves due to the ridiculous behavior of US Bank in attempting to delay this short sale. Originally, the property was overvalued and US Bank refused to acknowledge this even when the FHA Buyer had an appraisal with a much lower value. After getting in contact with HUD, we were finally able for a 3rd appraisal to be done on the property and the Foreclosure sale postponed and put on a hold. 

In addition, we requested a new CRM and Negotiator in hopes that they would move the file quicker. During the short sale process, XXXX XXXX has retired from her job due to pay cuts in Illinois. If she had not retired, she would be unable to collect pension for the many years she worked for the state. The pension takes up to six months to go through so she currently has no income. 

Our buyer has come up to {$80000.00} to exceed the 88 % net required by HUD. Since the value is at {$79000.00}, this puts us {$51.00} over the net. However, I received a message after hours on XX/XX/XXXX which was not seen until the morning of XX/XX/XXXX, that the file was declined by FHA. XXXX XXXX eventually returned my call and let me know that this file was declined because the Seller moved in with her husband 37 miles away. However, I am aware that a relocation of over 30 miles is an acceptable hardship for the FHA and US Bank. The reasoning why this file was denied with relocation as the original hardship and the new hardship of the Seller out of work is unfounded. 

It seems to me, that US Bank is wanting to foreclose on this property instead of trying to work with our client to settle the debt. They have done nothing but prolong the process and make every step along the way more difficult than it should be. I have reached out to my representatives at HUD multiple times with no response. I have also submitted a complaint to US Bank 's RMD Consumer Advocacy Center with no response.
Consumer complaint received 2024-07-23
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. (AZ)

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 XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX  account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, account # XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXXXXXX XXXX : Trafficking Block Request [ Your Account Number ( if known ) ] ** Dear Sir or Madam, I am writing to formally notify you that I am a victim of human trafficking, and as a result, several items on my credit report are fraudulent and not attributable to me. The information listed below has been placed on my credit report without my consent and is directly connected to the trafficking situation I endured. 

**Items to be Blocked : ** XXXX. **Account Name : ** XXXX XXXX Vt Account number XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX XXXX {$510.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX. XXXX Date XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX **Account Number XXXX Date opened XX/XX/XXXX XXXX {$1500.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : XXXX XXXX  XXXX **Account XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX / XXXX XXXX XXXX XXXX **Account Number. XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX Balance {$130.00} Legal Basis for Request : ** Under the Fair Credit Reporting Act ( FCRA ), Section 605C, consumer reporting agencies are required to block information on a credit report that is the result of trafficking. The FCRA mandates that this information must be blocked within four business days of receiving a request from the consumer, provided that the request includes appropriate documentation. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices. Given that the debts in question were incurred as a result of trafficking, continued attempts to collect these debts would constitute a violation of the FDCPA.

The Truth in Lending Act ( TILA ) also provides protections for consumers against unauthorized charges. Under TILA, any charges that were incurred without my consent as a direct result of trafficking are considered unauthorized and should not be reported on my credit file.

**Requested Action : ** In accordance with these laws, I am requesting that the aforementioned items be blocked from my credit report immediately. Enclosed with this letter, you will find the necessary documentation to substantiate my claim :
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My wife and myself started a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia on XXXX XXXX, 2000. My wife and myself have been paying faithfully from the start. According to certain clause in the contract my mortgage payments were to decrease over time of loan until finally payment. AS the payments were to make another decrease, my wife and I received notice that our loan were transferred and sold to XXXX XXXX XXXX. This was strange since XXXX XXXX now owns XXXX XXXX XXXX. During the process, my account number were changed, my property location were changed to reflect a home in XXXX Minnesota. We contacted XXXX, and informed them of the problem, but they ignored our complaint. They kept implying that I had a Bankruptcy, and my account was locked from decision. Now my so-called loan has been transferred and renewed with Carrington Mortgage Services in XXXX Indiana. I have been paying for a loan on the wrong house for two years now. I wonder what happened to my original loan. This situation has put my job in jeopardy and have put stress on my marriage.
Consumer complaint received 2024-07-23
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. (CA)

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 2024-07-27
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: EQUIFAX, INC. (TN)

Unauthorized inquiries on my equifax report asking to be removed. 

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 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 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOC Financial DBA Mi Gente (NJ)

On XX/XX/year> XXXX XXXXXXXX XXXXTOC sent a letter claiming to have sold the loan off to XXXX XXXX XXXX . Once we called XXXX XXXXXXXX XXXX they claimed to have nothing to do with the mistake of our XXXX loan now being XXXX and that we should contact XXXX XXXXXXXX XXXX. Weve tried calling and no response was given even after leaving voice mails. No other solution was found but to submit a complaint for consumers right and protection we hold bank statements that could reflect the amount owed
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

CFPB complaint 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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

XXXX XXXX text I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself insert name last XXXX Social Security number is XXXX XXXX : XX/XX/year>. Please delete the following accounts. XXXX balance XXXX, XXXX balance : XXXX, XXXX balance : XXXX, XXXX XXXX balance : XXXX, XXXX XXXX XXXX XXXX balance : XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is absolutely frustrating and stressing me out, there are errors on my credit report that is unfairly affecting my score. How can I achieve the American dream when I am living a nightmare? This is insanely distressing.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (IN)

This is a two fold complaint regarding XXXX, who is now Regions Bank. 
XXXX ) This company has been charging me a {$30.00} late fee on both loans I have with them, for at least 3 years. The law in Indiana stipulates the late fee can not exceed {$25.00} per loan. I compute that I have been overcharged late fees in an amount exceeding {$470.00}. 
2 ) These people call so incessantly that I finally blocked their phone number, because they also email me. I have, on at least three occasions, responded to their email and told them my intentions on when and how much I would be paying. I also asked them to stop contacting me, unless I do not do what I have already told them, in writing via email, regarding the payments. They continue to email. It's interesting to me that they can email me incessantly, but when I respond, and tell them what I can do, and when, they do not respond, nor do they honor my request to stop contacting me so frequently.
Consumer complaint received 2022-12-03
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. (MO)

In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, and XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (IL)

Email sent to executive officeXXXX Address : XXXX Hello Executive Office and Senior Manager of Fraud Department , This email needs to be properly addressed with someone higher up in your fraud department & training for employees. 

My old credit card had fraudulent and unauthorized charges that began on XX/XX/year> in the amount if {$530.00} to XXXX I called the fraud department on Sunday XX/XX/year> to notify them when I noticed the suspicious activity. They cancelled the old card that day and told me they would issue me a new old. 

Now today XX/XX/year> on this evening, I get an alert that ANOTHER unauthorized charge ( XXXX ) has come through on the new card that I do not even have in my possession yet?!? HOW THE XXXX DOES THIS EVEN HAPPEN? 

I called the fraud department again tonight XX/XX/year> to share exactly what I just stated above. The gentleman I spoke with then states '' your digital wallet in our system still allows new charges on the new card ''. 

He then proceeds to ask me if I would like to remove all credit card information from my digital wallet. 

WHY ON EARTH WOULD YOU NOT HAVE ENACTED THAT PROTOCOL UPON MY INITIAL REPORTING OF FRAUD when I called on Sunday XX/XX/year>? I am livid right now. 

Chase 's fraud department failed.

Chase 's employee I spoke to on Sunday never stated that was even an option.

How can a fraud department fail so quickly and miserably with in a 48 hour period? 

Ive already filed a complaint to the FTC about the first case of unauthorized use of that credit card. I'm now going to file a second complaint with the CFPB about this failed protocol that should have been established on my new account. 

This grave security oversight better get handled swiftly and accurately.
Consumer complaint received 2024-07-31
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)

On XXXX a letter was sent to XXXX, XXXX and Transunion requesting proof that XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting accurate information on my credit reports. I challenged my name, addresses listed and account payment history. I have been challenging this account for over a year and still receive the same response " Account Updated ''. But nothing has been updated and the inaccurate account has not been removed. 

I have since paid the account in full but it still reporting all the inaccurate information. I requested this account be removed because of all the inaccuracies, but XXXX and TransUnion still refuse to remove this account. XXXX has deleted this account from my credit report. This account has at least 25 inaccuracies reporting in its payment history. Please review attached documents as proof of inaccuracies.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).