davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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)

ON XX/XX/year> I MAILED FTC IDENTITY THEFT AFFIDAVIT REPORT # XXXX & # XXXX TO TRANSUNION THROUGHT CERTIFIED MAIL, NOTIFYING THEM THAT IM A VICTIM OF IDENTITY THEFT. TRANSUNION RESPONDED THAT DISPUTED ACCOUNTS WERE VERIED AS MY ACCOUNTS. TRANSUNION DID NOT DELETE FRAUDULENT ACCOUNTS OR DID NOT PROVIDE VALIDATION OF ACCOUNTS. 

THE FRAUDULENT ACCOUNTS ARE AS FOLLOWS : XXXX FORMERLY XXXX OPENED XXXX {$16000.00} XXXX XXXX OPENED XXXX {$1500.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR ) XXXX XXXX {$5800.00}
Consumer complaint received 2024-08-17
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. (TN)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/year>, XXXX XXXX XXXX ( Bank ) XX/XX/year>, XXXX - XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX  XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC. (IL)

XX/XX/year>, I lost the property during the XXXX XXXX XXXX could not complete the short sale and tax buyer could not assist to prevent deed and everyone at the mortgage company working with during this time was unavailable to finalized the clear to close with the title company because of the XXXX XXXX XXXX. 

XXXX XXXX was the date of last activity according to what was reporting on my credit report and did not report delinquency because of the XXXX XXXX XXXX outbreak in XXXX 

Now my credit report is reporting XXXX late as of XXXX XXXX and my score has dropped XXXX points from XXXX score to a XXXX score XXXX as of XXXX XXXX because of another dispute to have this item removed from my credit my score dropped another XXXX points to XXXX now. 
I could not afford the expenses on this property any longer and my tenant moved out because the house was shrinking and was a health hazard under the water doing XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

DeaXXXX XXXX or XXXX : I am a victim of the XXXX XXXX breach from 2019 & identity theft. The information listed below, which appears on my credit report, and is the result of identity theft. 

Please delete these addresses, they are not mine. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, which upon receipt of this CFPB Complaint gives Experian XXXX days to block these fraudulent inaccurate addresses from my credit report which they maintain under my Social Security Number and send the required notifications to all furnishers of this information. 

I am also invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces the said ( CREDIT BUREAU ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the XXXX report they maintain. 

Please delete these addresses, they are not mine. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I am invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces the said ( CREDIT BUREAU ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the XXXX report they maintain.
Consumer complaint received 2024-08-17
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. (NJ)

I am writing to dispute the fraudulent credit account appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that the account be thoroughly investigated and removed from my credit report as it is a result of fraudulent activity. 

Explanation of Fraud : I have never opened an account with this creditor XXXX XXXX, and I believe that this account is the result of identity theft. I have attached supporting documentation, including a copy of my identity theft report and any other relevant documents, to assist in the investigation. 


Enclosed Documents : XXXX. Copy of Identity Theft Report XXXX. Identification to prove my Identity I appreciate your prompt attention to this matter and request that the investigation be conducted in accordance with the FCRA guidelines. Please inform me of any additional information or documentation needed to assist in the resolution of this dispute.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

After having this account for over a year, they began charging a monthly fee of {$1.00} for paper statements. They began charging this fee with XXXX notification or permission. Nothing in our agreement allows them to charge this fee. I contacted them asking for a refund and to cease charging the fee, but they have been unresponsive. I was first charged this fee in XX/XX/2024.
Consumer complaint received 2024-08-17
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. (NV)

Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information on my credit report. Despite multiple efforts to have this incorrect information removed through direct disputes with the credit bureaus and the original creditors, the erroneous accounts remain on my credit report.

The details of the disputed debts are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX  Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX  Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> In each instance, I provided substantial documentation to the credit bureaus ( XXXX, XXXX, and TransUnion ) demonstrating that these debts are either not valid, have been paid in full, or should not be reported on my credit history. However, the credit bureaus have either failed to correct the information or have reinserted the disputed debts back into my credit report after initially removing them.

These two accounts are also being reported twice and they are the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I am requesting the CFPB 's intervention to ensure the immediate and permanent removal of these incorrect entries from my credit report. The continued presence of these inaccurate items is causing significant harm to my creditworthiness and financial well-being. 
Please find attached copies of all previous correspondence with the credit bureaus, as well as any supporting documents related to the disputes. 
I appreciate your prompt attention to this matter and look forward to your assistance in ensuring the accuracy of my credit report. 
Thank you for your help. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I was using a subscription company for my monthly bills and while using a negatior they told my monthly bills that I asked them for a dispute which made them reembuse my Checking account for several amounts that added up to over XXXX. I kept seeing payment reversals on my checking account I couldnt fig out why, then a day or so later my devices were cut off and I finally found a nice representative that explained what happened. I was horrified. So I went back to my checking account and sure enough it made sense what the reversals meant. So I called Chase bank and tried to explain what happened they did send me notices that they were doing an investigation, which I couldnt fig out why would they do an investigation on reversals payments that shouldnt been disputed with chase because they were my monthly bills I pay every month all the monthly bills were doing was reimbursing me because they falsely thought I was disputing my payments to therm. So as far as Chase Bank all those reversals supposed to be credits to my account that they Never Released because I watched it! When I called chase I was trying to explain to the rep that it didnt need to be investigated because they were refunds from bills that were disputed by a subscription company. So instead of refunded me my XXXX i went from a XXXX  XXXX XXXX  to a XXXX  XXXX. When I called to ask about it they told me I was hacked and the money was spent I was very puzzled because I never saw any transactions go thru to show that their explanation was that I said to stop the investigation so they took the money back. It wasnt theirs to take in the first place it was payment reversals! Credits to my account! Which had Nothing to do with Chase Bank I was so exhausted I requested the account closed, Im filing this complaint because of the article that you have about chase doing this exact thing of not helping customers with disputes in their accounts correctly.. Chase Bank also told me that if I close the account that I couldnt open another one! I told them fine, because I never saw my XXXX because I was waiting for the credit so I could repay my bills and explained what happened the reason they were falsely disputed Chase stated that they ( my monthly billers ) that no such amount was disputed. Which is a Lie I can screenshot and explain what each bill was. Thank you for taking my complaint. I wish to be reimbursed for my XXXX asap. Thank you again.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NY)

PayPal Credit ( Synchrony Bank ) now requires you to receive all statements and correspondence via online portals or incur a monthly fee for paper statements and correspondence.

The PayPal Credit system is linked to PayPal through a very buggy manner and major features, such as disputing charges from merchants and all correspondence from Synchrony, are not available on the mobile app It should be illegal for Synchrony to charge for paper statements and written correspondence from the company when the site is not fully XXXX compliant or accessible via mobile app
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Thaddeus Bechtle Attorney at Law, LPC (NY)

NOTICE FOR REQUEST OF INFORMATION AND & NOTICE TO CEASE AND DESIST INTENT TO SUE PLAINTIFF :. XXXX : XXXX. 
DEFENDANT : BECHTLE THADDEUS XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX  ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE $???? 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : BECHTLE THADDEUS XXXX XXXX  STOP VIOLATING THE FDCPA USC 1692D
Consumer complaint received 2024-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a XXXX Account with Chase Bank. Upon the opening of my account Chase never informed me of the Truth In Lending Disclosures. I was misinformed by the bank regarding the specific definitions of credit, creditor, open credit plan, etc. Chase bank has violated my rights and I am suffering financial harm due to this trespassing of my rights. The bank is also not honoring my certificate of agreement on file with the bank. 

15 USC 1601 - Truth in Lending 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FISERV INC. (CA)

On XX/XX/year> I noticed a {$20.00} Courtesy Charge ( overdraft ) on the XXXX XXXX account. I sent a secured message to the bank as well as emailed them regarding this unwarranted charge. On XX/XX/XXXX XXXX XXXX reversed the unwarranted charge. A XXXX XXXX representative called me and explained how this happened. 
XXXX XXXX contracts their BillPay feature with a third party. The company name is CheckFreePay a wholly owned subsidiary of Fiserv , IncXXXX CheckFreePay solely decides how to pay XXXX XXXXXXXX account holder 's bills with no input or requests of the method from XXXX XXXX or XXXX XXXX XXXX account holders. 
CheckFreePay can pay with a " draft '' which pays with a XXXX XXXX XXXX. Draft checks are deducted from account holders monies when check is cashed and account holders have the ability to look at the cashed check online as well as a copy front and back of it is attached to the XXXX XXXX statement. Which is customary in my experience. 
When CheckFreePay independently decides to write a " single check '' they pay with a XXXX XXXX check and deduct the money immediately out of XXXX XXXX 's customers account using a ACH withdraw. There is no way for a account holder to tell if the check is cashed, look at a copy of it online, or even get a copy front and back with the statement. 
As a XXXX XXXX account holder this is very concerning to me. 
Attached you will see the XX/XX/year> statement page that {$700.00} was deducted from the account as a ACH Payment on XX/XX/year>. This is actually for XXXX XXXX check # XXXX ( copy attached ) made out to a person which still has not been cashed. 
Also attached is the " account transaction '' print out as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deducted from account and you can see the canceled check. This is what I have experienced as normal procedure. 
However, on XX/XX/XXXX a ACH to a person was deducted from the account which the payment has still not been received by the person. 
This is a total of {$1400.00} that has been deducted from the account which checks have not even been cashed yet. 
There is no way for account holder to know or anywhere to look to find out if the check has been cashed. 
I was told by XXXX XXXXXXXX XXXX representative that I would need to contact them and have them research each one individually. 
This is very inconvenient and in my opinion inappropriate to request of an account holder. 
In this particular case it is even more frustrating because this is a Representative Payee Account and according to XXXX XXXX can not be discussed on the phone and must be discussed in person. 
This practice is inconsistent with no way of the account holder to accurately keep track of their monies.
Consumer complaint received 2024-08-10
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected XXXX XXXX to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX  can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX may make any XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a Bank of America credit card since XX/XX/XXXX with a credit limit of {$20000.00}. I have never had a late payment. I had stopped using this card several years before XXXX. So, I did not expect any charges or statements. 

Somehow XXXX XXXX was able to charge my card without the correct expiration date or security code. Bank of America sent the statement to my old work address, and it was not forwarded to my new work address. So I never was aware of the charge. All of my accounts, savings and checking, were with Bank of America. They were well aware of my home address and email address and could have tried to reach me before trashing my credit score. 

I was unaware of the charge until this spring. I was trying to get insurance for my new home and was denied because of my credit score went from the 780 's to 640 's. In addition, my insurance increased by {$3000.00} annually because of this. As soon as I discovered the charge, I paid it. I asked for proof to be sent to my home address which I never received. Ironically, the BofA employee who took the payment stated that they had my home address on file. 

Attached is a copy of my credit report before the charge-off was paid. The only other derogatory item is a student loan that I co-signed for my niece. She had a few late payments. That loan is now paid off also.
Consumer complaint received 2024-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern! 
On XX/XX/year> I was involved in a XXXX XXXX XXXX where I was XXXX at XXXX XXXX XXXX in XXXX for XXXX XXXX and other things. On XX/XX/year> I was released to the custody of the local sheriff dept for 40 day 's until i could make proper bond and get released so I can get caught up with all my standing accounts. When i che k whit one of my financial institution they had already put my account in a NEGATIVE INTEREST!!

I would like to pay out my account with this credit institution and recover my good credit history. Please help me with this process.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (TX)

I do not know who GLOBAL SOLUTION BIZ, LLC is and they continue to reach me via phone and email without submitting the proper documentation. I do not owe anything to Global Solution BIZ, LLC. They are sending me documentation of a different company that's not under their name or without an assignment contract.