davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
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)

I am writing to file a complaint against XXXX XXXX and Credit Reporting Agencies ( CRAs ) XXXX, XXXX, and Transunion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT NUMBER XXXX
Consumer complaint received 2024-07-27
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)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm lodging a personal complaint about late payments appearing on my credit record. Upon examination, I've identified these late payment entries. I sent inquiries over a month ago but have received no response or adequate validation. I'm now requesting help to quickly and effectively resolve this issue.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION (OH)

I am writing to file a formal complaint against Navy Federal Credit Union for their non-compliance with Regulation CC regarding the extended hold placed on a certified cashier 's check. The details of the issue are as follows : Check Details : The check in question is a certified cashier 's check in the approximate amount of {$1100.00}, issued by XXXX XXXX XXXX XXXX. It was deposited into my account on XX/XX/XXXX, via mobile deposit with XXXX ID XXXX. 
Regular Transactions : This check is part of a regular monthly transaction where my mother, the issuer, provides a partial payment of her rent in advance. Similar checks were successfully deposited and processed without issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of the same year. 

Regulation CC Violation : Under 12 C.F.R. Part 229, certified cashiers checks are considered " next-day '' items, and the funds should typically be made available by the next business day following the deposit. Despite this, Navy Federal has placed an extended hold on the check without providing a satisfactory explanation, which is a violation of the regulations outlined under the XXXX Funds Availability Act. 

Previous Issues : This is not an isolated incident. Navy Federal previously held a government-issued check beyond the permissible time frame, only releasing the funds after significant complaint and intervention by their executive team. This pattern indicates a systemic issue with Navy Federal 's handling of Regulation CC requirements. 

Member History and Impact : I have been a loyal member of Navy Federal since XX/XX/XXXX, and have no history of fraudulent activities or issues with deposits. These unwarranted holds have caused significant inconvenience and financial disruption, affecting my ability to manage personal financial responsibilities effectively. 
Given these circumstances, I urge the Consumer Financial Protection Bureau to investigate this matter promptly and enforce compliance with Regulation CC. Navy Federal 's repeated oversight in following federal regulations for fund availability not only disrupts my financial management but also suggests a broader non-compliance issue that could affect other consumers. 

I am seeking an immediate release of the funds associated with the aforementioned cashier 's check and assurance that such delays will not occur in the future. I have also filed a complaint directly with Navy Federal and have requested a detailed explanation for the hold.

Please find attached copies of the deposit receipt, correspondence with Navy Federal, and a timeline of events for your reference.
Consumer complaint received 2023-12-04
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)

I am writing to express my concern and submit a complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSUNION will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (AK)

I've been waiting for a refund for an overpayment made to Toyota Financial Services ( TFS ). They provided evidence that the check was cashed but will not tell me where the check was cashed. The back of the check is endorsed with my name and XXXX XXXX XXXX XXXX. Is suspect a fraudulent signature. While the signature appears similar to mine but appears to be off a bit. XXXX XXXX has no evidence that the check was cashed into any of my accounts. I have no memory of depositing this check and TFS will not tell me where the check was cashed. 

TFS tells me I need to have my bank send a Merchant Report to them but how can they send a Merchant Report to them if they never received a check. TFS is passing me off to XXXX XXXX and XXXX XXXX is passing me back to TFS. I'm in an endless loop. 

Attached is all the recent correspondence I've had with TFS. I have talked with XXXX XXXX on the phone and they tell me that TFS has to investigate this. 

If you are not the right agency to assist me, please let me know who I can contact?
Consumer complaint received 2023-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DISCOVER BANK (CA)

XX/XX/XXXX I received my property tax information in the mail. On the tax information was included a line saying my mortgage company had requested this information. I checked online and Discover home loans had, again not updated the information sent to them and decided to pay the incorrect amount, which will in turn be sent back in a month to them. I faxed the information and also send the file over to the contact department that day. Discover has no record of either of these items yet I kept the copy of the fax being received. The problem is EVERYTHING that escrow is supposed to be paid is not paid by Discover in the right amount which I have to pay with my own funds and wait for a refund from Discover a month or two later. Discover has been doing this for the life of the loan. The fact that I send them the information and they ignore it makes me wonder how much interest they are making on other peoples money from their escrow accounts while the people have to take extra money out of their own accounts to pay the bills so they will not show up as delinquent. I am getting tired of losing interest and the headache of having to do this EVERYTIME insurance or Taxes are due. If the company can not do the job, they should not require escrow accounts so that homeowners can pay the bills themselves and not have to go through the headache and higher XXXX XXXX that comes with this.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TN)

Earlier this year I had found out that my Identity had been stolen, I Immediately began auditing all of my bank accounts and credit cards to determine if any had been affected. My Discover Bank Checking account was infact affected, so I reached out to them and notified them of the exact transactions on my account that were fraudulent ( meaning they were not authorized by me, and I had no knowledge of them whatsoever ). At first Discover was very helpful, they disputed most of the transactions I provided them, I uploaded the police report and other documents as evidence, then they issued me a provisional credit for each of the transactions, and then a few weeks later ruled the disputes in my favor and closed the cases. Unfortunately once I received all of the letters in the mail from Discover outlining exactly which transactions they had disputed I noticed that they had missed some of the transactions I had initially reported. So I figured the right thing to do was to call them and notify them of the missing transactions so they could fix the issue. I was told that we would need to open a new dispute for each transaction missed. Well they immediately denied the disputes, and have continued to deny the disputes no matter what documentation I provide, or that I point out that these transactions were reported the first time and those disputes were ruled in my favor, these are the same transactions as the ones ruled in my favor so why are they being denied? If the representative would have submitted all of the transactions I provided then I wouldn't 've have had to call back and file more disputes. The transactions are with the same merchant, many on the same date as the ones ruled in my favor. So why is it that these transactions are being denied when the same exact type of transactions were approved only a few weeks prior? I have explained myself to management, and anyone who will listen about this issue and no matter what I do or say it never gets resolved or fixed. I am not sure if the department that investigates the disputes is aware that I am only asking for the fraudulent transactions that were missed by mistake to be corrected or not. I have been trying to get Discover to fix this mistake for months and months but to no avail. Please help.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for transunion but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with XXXX. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile. 

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, XXXX XXXX
Consumer complaint received 2024-07-26
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. (NY)

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with 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 : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX. Systems, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any 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 - section A- states 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 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (IN)

I applied for the XXXX plan on XX/XX/23. Aidvantage emailed me a few days later asking me to call them about exiting my current XXXX  plan. I called them a few days later. During that call, they said that they didnt need anything else from me and that my XXXX plan could take a month to process. So, then I waited and waited, nothing happened and it said that I was going to owe when the pause resumed. I finally called again right before it said that my first payment was due. This time they said that something was wrong and that they were fixing it. They put me on a two month forbearance while they said it was processing. This is not good because I need more months for my PSLF. Now, its less than a month until my payment is due again, and still no paperwork or anything has come through.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.
Consumer complaint received 2023-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc. (TX)

I have been paying my mortgage through XXXX XXXX for XXXX years. Last month, XXXX XXXX sold the loan to Mr. Cooper. Mr Cooper, without any explanation, Mr Coop adjusted my escrow, stating that I owe an additional {$4200.00}, which would increase my monthly amount by {$300.00}. I tried to contact Mr. Cooper through their XXXX number, but no one answered. I checked payments to my insurance company, and tax assessment ( which went down ), and no changes were as significant as Mr. Cooper 's claims. 

I need Mr. Cooper, in writing, to give a detailed explanation of their increase and how they came to their conclusion. I also need to explain why their analysis differs significantly from XXXX XXXX.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (CA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Account Balance : {$32000.00}
Consumer complaint received 2024-07-26
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. (NV)

XXXX XXXX XXXX XXXX XXXX {$7400.00} Credit reporting. 

Improper use of credit report, and reporting company used my report improperly.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have attempted to freeze my credit with Transunion Credit. I completed all of the required steps and received an error message saying that they are having trouble verifying the status of my credit freeze. I am not comfortable with this as I need to have immediate ability to freeze and unfreeze my credit as required by federal law. I am afraid that am unable to verify if my credit is vulnerable unfrozen and also if I need to unfreeze it for a legitimate reason. This is a KNOWN ISSUE with this company for years and the subject of a class action lawsuit and still they are permitted to deceive customers. I will not tolerate this and demand an immediate resolution. I REFUSE to attempt to resolve this any further with Transunion as they only give customers the runaround. I also can not receive a copy of my credit report as required by federal law. I want access to do that too. Transunion needs to be investigated. I had zero problems with the other two credit bureaus. XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (CA)

My credit report showed a line of credit opened on XX/XX/year>XXXX at Target. Upon contacting Target, I learned the person who opened the account with an address at XXXX XXXX XXXX XXXXXXXX, Texas. They had access to my military credentials somehow. They created a false email.