davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am being discriminated against. 

I am filing this complaint due to TransUnions restriction on my ability to access my credit report online, without clear justification or guidance on resolving the issue. Despite providing the necessary documentation and identification information, TransUnion has restricted my access to my credit file, citing security purposes without specifying the conditions or steps required to remove this restriction. This lack of transparency is preventing me from monitoring my credit as needed. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate or incomplete information. Specifically : 1. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access my credit file maintained by consumer reporting agencies like TransUnion. By not allowing me to access my file online, TransUnion may be infringing upon my right to obtain my own credit information.

2. Section 611 ( 15 U.S.C. 1681i ) ensures my right to dispute any inaccurate or incomplete information. The current restriction on my file limits my ability to review and dispute errors that may be present.

3. Section 605B ( 15 U.S.C. 1681c-2 ) provides protections for identity theft victims, allowing them to place and remove fraud alerts or security freezes. However, I did not request a security freeze, and TransUnion has not provided an explanation for the restriction. If this restriction is due to a fraud alert or security freeze, I should have been notified and given the option to lift or remove it.
Consumer complaint received 2024-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OR)

I recently checked my credit score and saw it had gone down. I investigated and found there was a debt collection listed that was not mine. Debt is being collected by IC systems Debt Collection in XXXX MN on behalf of XXXX XXXX XXXXXXXX for a charge of {$130.00}. Apparently delinquent and opened for 2 months. I am a XXXX XXXXXXXX customer ( for 8 years now ) my information was recently found on the dark web. It was mostly incorrect so i didnt pay it much mind, and didnt contain my social. It was reported for collection on XX/XX/year>. I called XXXX on XX/XX/year> at XXXX XXXX  and spoke with a representative named XXXX. She found no charges to my account for {$130.00} that had been unpaid, no new lines, nothing added, or past due. I attempted to call IC systems debt collection on XX/XX/year> at XXXX XXXX. Their automated menu had no options that aligned with my inquiry, and their representatives are out of office with no options for voicemail. I believe this to be identity theft and it is now negatively affecting my credit.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has been almost unusable to try and freeze or unfreeze credit. The logon process and verification processes have had bad problems for months now after researching the issues online. I attempted to resolve it several times, they keep telling me, " oh sorry it is a problem on our end ''. That is their excuse every time. I can't freeze one credit reporting bureau - TransUnion. XXXX and XXXX work perfect. I was able to freeze both within XXXX minutes each and that included creating the account. 

It the public can't use their services, their services are useless and leave me/us exposed XXXX well as others. They seem to not care about resolving the issue, rather just blaming it on a technical issue. I am a XXXX XXXX XXXX with 34 years in IT. It is not anything on our end. I have XXXX internet and very powerful computers. They probably don't want to spend the money upgrading or repairing their infrastructure and the volume of people using the service overwhelms it could be XXXX issue. Otherwise, they need the expertise to resolve it and don't have it. Either way, we need an authority to step in on this because for months this hasn't been resolved and I have read in tech forums that people are experienceing the same issue for months. Lots of people have errors with logins, verifications, attempting to freeze/unfreeze their credit, etc. Please let me know if you can assist, or if another agency can assist in putting pressure on transUnion to get their act and facilities together so we can use the protection features. 

Also, I wanted to mention XXXX thing. Not the issue I am reporting, but it needs to be said. I use a paid Aura Identity Protection service. Since our SS # ''s have been used everywhere ( medical, credit, employment, etc. ) we have no identity security any longer. Only Taxing Authorities were supposed to be allowed to have our SS #. Now it is all over. We need a new identity protection PIN that changes ( using an authenticator for example since SMS has been defeated by attackers ) and only the owner of the identity can accesss or give access to our credit for a transaction. Otherwise, the XXXX citizen has been stripped of any identity protection once afforded by SS # 's. They are no longer private and have been stolen in numerous data breaches along with all our other identity data. The XXXX XXXX XXXX XXXX XXXX XXXX breach lost any government employees background investigations, and identity information. If you got a check from the Treasury, like me in the XXXX, the XXXX have all of your information. Please if you can initiate a process/movement to provide identity verification to citizens to stop this rampant identity theft, please help us regain some protection. Thanks.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Still have not received any information from this company on the date that this acount was open but all three credit reporting agencies have said the information was true when it's not how can it be when today I just got phone with all three fraud departments
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
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: U.S. BANCORP (CA)

My complaint is against US bank and how they mishandled a stop payment which caused a {$2000.00} deduction from my account. I scheduled a payment through an App with XXXX XXXX on XX/XX/23 and when I entered to submit the application it did not return a 'correct ' to check for accuracy but took out two payments totaling {$1300.00} for the month of XXXX and XXXX. I was attempting to only submit one payment in the amount of {$660.00}. XXXX XXXX stated that I would need to call my bank to stop the payment so I called US bank to stop the payment and they said as long as the payment is not pending they should be able to stop the payment. The first representative I spoke to said that I would need to cancel my debit card to stop the transaction from going through. So, the debit card was stopped and I had to go to a branch to pick up a temporary card. I was never asked by the representative if it was through the checking account or was it a debit card transaction. The account was set up through a checking account number. The representative ; XXXX XXXX did not ask if a bank account vs a debit card was used. Because he cancelled the card I had to walk into a branch to retrieve a temporary card and this did little to resolve the situation. A stop payment should have been offered. So, I called the bank a 2nd time and explained that XXXX XXXX had cancelled my card which would not stop any transactions from coming through. I then called back and spoke with a representative who put through a formal stop payment and was told that as long as the amount was not pending I would not have any issues with the amount of {$1300.00} posting. On XX/XX/23, the amount posted to my account. This has caused a great deal of stress, inconvenience and monies that are now coming out of my account and US bank is not taking responsibility for the role they played. I also show that the stop payment was cancelled by them and the monies where taken from my account. The bank is maintaining that the {$1300.00} was posted because they were unable to catch it but I believe it was their error because the stop payment was cancelled ( see uploaded image ), the bank will not admit that it was there error. The account statement showed that the original amount of {$1300.00} was removed and upon inspection of my statement/online account today I show that the {$1300.00} posted. Not only am I out of {$2000.00}, but am now told that the bank may take up to 30 days to return the money to my account.
Consumer complaint received 2024-11-02
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my XXXX credit report from citibank/best buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a best buy. On the morning of XX/XX/XXXX, I noticed another hard inquiry from XXXX XXXX XXXXt on my XXXX  report . I called XXXX after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last 2 days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I filled a dispute with with Citi Bank on XX/XX/year>. Citi bank reports the dispute has been " Resolved '', however, I have tried on three separate occasions to get a copy of the merchant 's response to my dispute and a copy of the dispute I submitted to Citi Bank. Each time I call Citi Banks says they will e-mail me the requested information and they confirm the e-mail address, however, the never send the requested information. Each time I call the Citi Bank agents acknowledge the information from my previous request has not been sent, they go through the same process as the previous agent and say the information will be received in 24 to 48 hours. The Case ID ( assigned by Citi Bank ) for which I'm requesting the information described above is XXXX. In addition to Citi Bank refusing to send the information requested above, it is also not available via my on-line account nor has any information regarding this dispute been received via the mail. The automated voice information regarding this dispute at Citi Bank is incorrect. The information regarding this dispute at Citi Bank via my on-line account has links which when clicked on go to nowhere. As a consumer it sure appears Citi Bank is going out of their way to make things difficult for me in this matter.
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (PA)

Account number XXXX with Montgomery Ward was charged off in XX/XX/2013. This account should no longer appear on my credit report. However, the company Montgomery ward continues to report historic information to my credit report. I have attached the original document which shows this account was charged off in 2013. The same account number is now reporting as Swiss colony/montgomery on my credit report. This historical information reporting has tremendously lowered my credit score and created a hardship for me when applying for new credit. The F.C.R.A holds creditors liable for {$2500.00} per unintentional violation and {$7500.00} per intentional violation. Dispute numerous disputes XXXX has fail to investigate and continuously allowed this company tarnish my credit report. I am requesting {$7500.00} for the stress and financial damages inquired due to XXXX 's negligence and failure to update my credit report properly and in a timely manner. I also demand XXXX to remove this account from any credit report immediately!
Consumer complaint received 2024-11-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MD)

Dear Consumer Financial Protection Bureau, Please see the important information about complaint file XXXX. 

Please see the Appraiser who did the appraisal XXXX XXXX XXXX, XXXX, MD XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email address : XXXX He came and did the Appraisal inside and outside the house professionally. Please reach out to him if you have any questions.He provided Appraisal report to the lender XXXX XXXX. 
It was on XX/XX/XXXX. The appraisal was done on XX/XX/XXXX, XXXX house was still under construction. The construction value kept increasing XXXX XXXX % more including all Labor. Everyone knows that. 
I also have other appraisals closer to {$10.00} XXXX amount. 
I also have XXXXXXXX XXXX Appraisal Report XXXX XXXX XXXX XXXX  ) at the end of XXXX for XXXX XXXX  loan in thebeginning of XXXX is done professionally before they gave me the loanXXXXXXXX XXXX provided me the Appraisal Report.I can provide the Appraisal Report if you need it. 

The Broker from XXXX for XXXX told me that the appraisal was close to XXXX XXXX  but XXXX went back and changed it multiple times to reduce the loan amount. Eventhough, it the Appraisal report value is XXXX XXXX XXXX different higher than the {$5.00} XXXX appraisal value in the Loan documents. 

I appreciate your help. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/2024 AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IL)

I am writing regarding the debt True accord collections agency claims I owe, referenced by account number [ # XXXX ] in the amount of {$310.00}. I am formally disputing the validity of this debt under my rights granted by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. 

Under this statute, I request that you provide written verification of the debt, including : 1. A detailed breakdown of the debt amount, including any fees and interest charges.

2. The name of the original creditor, along with any supporting documentation that verifies my obligation to pay.

3. Proof that your agency is legally authorized to collect on this debt. 4. Chain of assignments AL
SO, As outlined in 15 U.S.C. 1692g, I am exercising my right to request : 1. Written verification of the debt, including a complete breakdown of the debt amount, any fees, and interest charges.

2. The name of the original creditor, along with any supporting documentation verifying my obligation to pay.

3. Proof that your agency is legally authorized to collect on this debt.

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request prompt notification of the results of your investigation if you intend to report or have reported this debt to any credit reporting agency. Until you provide this information and debt is verified, please cease and delete all collection activities related to this account. This includes stopping any communication attempts with me regarding this debt, as well as any further reporting to credit bureaus. 

Please respond within 30 days of receiving this letter to ensure compliance with the FDCPA. I will retain a copy of this letter and your response for my records. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (IL)

I have told this company on multiple occasions to remove my number. On this last call he found it funny that I kept asking and refused to remove the number from the database. He just kept trying to get my personal information. Repeatedly over and over he kept asking. To the point where he stressed me out so bad then hung up on me.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/year> I, a consumer placed an application in good faith for {$50000.00} to purchase new car for my family 's personal needs to Chase Bank but credit was not extended to me. I provided my name, social security card number and electronic signature online. I received a notification instantly that my application was not approved. I thought it was a mistake, so I wrote a letter to Chase. In the letter I made sure to inform Chase that I was providing a tender of payment to them that my application was considered a security instrument, since all my private information including my social security card number was provided for this consumer credit transaction. I was told that I was denied credit for several reasons value of vehicle insufficient to relative request, insufficient income, to many request for new credit, and an old bankruptcy filing. The amount of request for new credit has nothing to do with my ability to meet my obligations, especially since I was not extended any credit I was shopping for a new car. None of these reasons are sufficient reasons why I would be denied credit when my social security credit card was used with no benefit to me. This an unauthorized use and access to my credit card. I applied for a new car because my Family needs a reliable car to get to doctors ' appointments, and work. I feel as if I am being treated like a minor or someone underage who is unable to enter into a contract which is discrimination on their part, especially when I made it clear that I was of age and full capacity to contract. When I wrote the company they told me they did not accept security instruments, payment coupons or any documents relating to the Federal Reserves Act. Which I though was strange especially since my application and the loan agreement they would require me to sign would all be considered security instruments.
Consumer complaint received 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AXOS FINANCIAL, INC. (MA)

I have called and emailed the company on several occasions spanning several months to send statements I never authorized direct withdrawal from my bank account and to remove my bank info. I obtained a balance to pay off my account. XX/XX/year> That payment was mailed they did not post it to my account till XX/XX/year>. And now claim I owe XXXX more of Made up interest fees. 
I have Expressed extreme dissatisfaction with my communication experience with this company, I highlight the unprofessional treatment, harassment and inefficiencies encountered. The automated system requires extensive personal information, duplicated by representatives seeking full social security numbers, raising data security concerns. Consistent hang-ups prevent meaningful account discussions. As a paying customer with a paid-in-full account and impeccable payment record, I urge a comprehensive review of customer service protocols to prioritize respect and efficiency