davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIRSTBANK PUERTO RICO (PR)

Active Foreclosure Court Case Since XXXX XXXX - XX/XX/XXXX : Divorce process. 

XX/XX/XXXX : I called the bank 's customer service to request information on how to lower the mortgage payment due to divorce and child support expenses, among others. 
From customer service the call was transferred to Loss Mitigation Department. 
XXXX XXXX from that department told me that I must skip 3 payments in order to qualify for Loss Mitigation. 

In XX/XX/XXXX I made the XX/XX/XXXX payment. 

From XX/XX/XXXX through XX/XX/XXXX I made many calls to the Loss Mitigation Department to get the Loss Mitigation Package and they did not send it to me until I contacted HUD and HUD intervened. 

XX/XX/XXXX : Contacted HUD due to difficulty receiving loss mitigation paperwork from the lender. 
Shortly after HUD intervention, lender sent the requested paperwork. 
XX/XX/XXXX : Qualified for a loan modification. Was not evaluated for other options, can see it on letter attached. 
XX/XX/XXXX- XX/XX/XXXX : Made trial payments for the loan modification. 
XX/XX/XXXX : Co-borrower did not sign the loan modification paperwork. 
XXXX did not offer alternatives or solutions and rejected my attempt to still make payments because they only accepted payments if I pay the past due in one payment. 

XXXX also limited the online payment options. 

XX/XX/XXXX : II sent a letter appealing the loan modification denial due to co-signer refusal. ( No response received ) XXXX Attempted to contact lender representative XXXX XXXX regarding loan modification or alternatives, but calls and messages were not returned. 

XX/XX/XXXX : Received two letters from the lender regarding missed communications on their end. Called the Loss Mitigation Department and denied the help unless the coborrower sign. 
XX/XX/XXXX : Responded via email to both letters from XX/XX/XXXX, clarifying I did not receive prior communication attempts and inquiring about the mentioned loss mitigation options. ( Email read -I used mailtracking- but not received response from loss mitigation representative ) Foreclosure filed XX/XX/XXXX without receiving the letter in compliance about the appeal I made on XX/XX/XXXX nor the letter that loss mitigation was over. 
XX/XX/XXXX : Received a HUD letter about options and FHA requiring the mortgagor review the situation. While in court conflict remediations the only thing the bank attorney and the representative XXXX said that the coborrower must sign or that I have to put the loan current. They only will review if the coborrower sign the loss mitigation application. 

Since then Firstbank lied to the court several times saying that I never requested Loss MItigation, never received an evaluation and that I never been in a Trial Payment Plan. 
However, the evidence they presented to the court in the form of a collection letter indicated that I was actively engaged in loss mitigation.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from keys XXXX in XXXX XXXX XXXX  I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to
Consumer complaint received 2024-06-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX  FTC and the Attorney General for Florida.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 2024-06-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just happened to see a copy of my credit report, i was shocked, to find out, that i have been a victim of identity theft. Which I was planning to purchased a new vehicle, and remodel my house and this fraudulent activity is affecting me severely. Please remove all the inaccurate information for my personal credit profile. Thank you in advance!
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I submitted a claim on XXXX XXXX XXXX XXXX XXXX to validate debt that was owed. I reach out to them but they didnt respond to my request. I reached out again on XX/XX/XXXX when the claim came back to me as a duplicate. I havent heard anything from the company as of XX/XX/XXXX which is well past the 30-45 day timeframe. According to my consumer laws which they are violating this must be removed immediately from my consumer report. Furthermore they are still trying to collect on a debt that is pasted the statute of limitations to collect in my state of Texas which is 4 years.
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Today, I received two electronic letters from MOHELA detailing my new loan repayment plan. The loans have been unconsolidated, the number of remaining payments have changed, and the interest has been re-added to the principal.

Last week, I was informed that my loans were being placed in forbearance while MOHELA reviewed them and would potentially lower my monthly payments.

These communications are misleading and have caused unnecessary duress. I am also an educator in the public sector working towards PSLF, and all of my payment history has disappeared and is nowhere to be found on either MOHELA or Studentaid.gov. Studentaid.gov still reflects the correct remaining balance. This is an absolute XXXX Fix it, please.
Consumer complaint received 2024-06-23
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. (NV)

When reviewing my credit report I noticed that there was an XXXX XXXX account that does not belong to me. It was removed from XXXX report but XXXX and TransUnion continue to report this false information.
Consumer complaint received 2024-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint regarding inaccurate credit inquiries listed on my TransUnion credit report. Specifically, I dispute the following inquiries : Inquiry 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 These inquiries are inaccurate because I did NOT apply for credit with any of these creditors, and I do not recognize these inquiries. I have already contacted TransUnion directly and have not received a satisfactory resolution. 
I request that TransUnion investigate these inquiries promptly and remove ALL since they are inaccurate and unauthorized according to the Fair Credit Reporting Act.
Consumer complaint received 2024-07-01
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. (MA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Now I have discovered that the item XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the XXXX XXXXXXXX XXXX, and the XXXX. 
The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile. I will be corresponding with the Consumer Financial Protection Bureau as we resolve this Incident.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

In the early morning of XX/XX/2023 I was assaulted & robbed by two man in XXXX XXXX, NV. 
They stole my wallet with all cash, cards & ID 's. 
That same morning they used my card to make a bunch of charges at XXXX XXXX 
All of them {$49.00} & below. Non of the charges above {$50.00}. 

I filed a report with the Police on XX/XX/2023 ( attached is the Police Report, Pictures & Charges made to my bank account ) from the injuries from the assault ) I went to the Chase office in XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX & provided the police report to Chase. 

On XX/XX/XXXX Chase refunded the money for all the purchases made with the stolen card. 
But few days later on XX/XX/XXXX, the bank subtracted again all the money they had refunded me for the fraudulent charges. 


Chase now tells me that the purchases were made using my PIN number but that is not possible. 
They are telling me that it is impossible to use the card without the PIN number. 
The bank is not being truthful. Contactless payments don't require PIN number. 

I have the feeling that the reason all the charges were below {$50.00} is because most likely they were using the cards for TAP TO PAY and there must be a limit of that amount for contactless purchases without requiring a PIN. 

That is a obviously an issue with lack of security of the card & the bank.
Consumer complaint received 2024-07-01
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. (MD)

I formally requested XXXX, Equifax, and XXXX to investigate an fraudulent account on my credit report, after providing them with my personal information including ID and social they forwarded/ sold all my documents to the party in question. Waited more than 30 days to respond then emailed me saying the investigation was complete without providing any valid evidence or proof of their claims. I am a victim of identity theft and fraud
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This complaint has been filed to request pursuant to FCRA ( 15 USC 1681c-2 ) that the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint this fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize aforementioned accounts, collections, and hard inquiries. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency shall ( i ) delete that item of information as appropriate, based on the information. Please remove all the inaccurate fraudulent items from my credit report.
Consumer complaint received 2024-07-01
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. (GA)

Im filling this compliant today to inform you, that you are not doing your job, to investigate the inaccuracies of the accounts in my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Balance {$9800.00} XXXX XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$410.00}
Consumer complaint received 2024-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM ******* 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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Now I have discovered that the item XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the XXXX. 
The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile. I will be corresponding with the Consumer Financial Protection Bureau as we resolve this Incident.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX, TransUnion, and XXXX for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, XXXX, TransUnion, and XXXX to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

There were 4 charges. Two for {$9.00} each on XX/XX/XXXX and two for {$29.00} each on XXXX XXXX. I called citi bank on numeraous occassions. last discusssion they gave me a number on XX/XX/XXXX to call which is XXXX. This number jas a fault since it keeps repeating the system is down and call back later. 

After looking at XXXX, multiple people had this problem and had to report this ro CFPB, otherwise there is no way to resolve this matter.
Consumer complaint received 2024-06-23
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. (FL)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name XXXX XXXX XXXX  XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.