davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring to your attention a critical matter that requires immediate action. I have recently discovered that I have been a victim of identity theft, where several accounts have been opened in my name without my consent. 

As per the regulations outlined in the 15 USC 1681 c-2, I am requesting the block of information resulting from this identity theft. The unauthorized opening of accounts has not only compromised my personal information but also put me at significant risk of financial implications. 

I urge you to take urgent steps to rectify this situation and prevent any further misuse of my identity. I kindly request your prompt assistance in investigating this matter and blocking any unauthorized transactions or actions associated with the fraudulent accounts opened in my name. 

I have taken the necessary steps to safeguard my personal information and have also reported this incident to the relevant authorities. However, I believe that your immediate intervention is crucial in resolving this issue and preventing any further damage. 

I am attaching relevant documentation, including copies of the fraudulent accounts and any other information that may assist in the investigation of this matter. I would appreciate it if you could acknowledge receipt of this email at your earliest convenience and provide me with an update on the actions being taken to address this identity theft case.
Consumer complaint received 2024-07-04
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. (CO)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX Vacations bal. {$15000.00}, XXXXXXXX XXXX XXXXXXXX. {$9100.00}, XXXX XXXX XXXX XXXX XXXX. {$6800.00}, XXXX XXXX XXXX bal. {$340.00}. 

Thanks for your prompt attention to this matter.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

Applied for a Citi XXXX XXXX credit card online. Was told I needed to wait for a letter to arrive in the mail with a reference letter to verify my address. Waited for that letter. Account was approved. Received it in the mail. Activated the card. Set up online access. Added my bank account to pay. Account looked good. Now, I must mention Citi had a sign up offer to spend {$4000.00} in 3 months to get XXXX points. I used my card this morning on XX/XX/year> through XXXX ( which is supposed to be secure ) to pay for parking, breakfast and gas. Tried to use it at the supermarket through XXXX ( again, secure ), and was declined. Used a different card to pay. Received a message to contact Citi. Called that number and spoke with supervisor XXXX ( US based supervisor ) who cleared the alerts and told me I could use my card. Tried to use my card and it declined. Spoke with supervisor XXXX ( US Fraud supervisor ) who was impolite and unhelpful. XXXX XXXX stated the only way to assist is to send me a letter with a code. Now, when I told her Citi had a timeline of 90 days to meet my spending and I couldn't wait every time I got a block for a letter that takes ~ 2 weeks to arrive she stated she couldn't do anything. She couldn't care less. She couldn't transfer me to any other department and basically told me " tough luck ''. Now, Citi will hide itself behind the argument that the take security very seriously etc etc. The issue at play here is that they are lying to consumers. They demand consumers to spend XXXX  amount of money in 90 days, but place roadblocks along the way to make it impossible for consumers to do that. The CFPB should investigate Citi Bank 's practices.
Consumer complaint received 2024-07-04
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. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

We moved into a new home 2 years ago this past XXXX. The escrow, collected by Penny Mac, is included in the mortgage and we pay approximately $ XXXX in taxes. We had the sufficient funds put into the escrow account to allow for future taxes that had not yet been assessed. In XXXX of XXXX, we received a check for {$10000.00} for what they said was an overpayment of escrow. We called Penny Mac and verified that was indeed our money to spend. They had too much money in the escrow account and this was the refund. However, at that time, we also called the tax collector and was told that the property had yet to be assessed. 

A year later we called to check to be sure all taxes had been paid. Well, it seems that Penny Mac had to pay 2 late fees.one for {$900.00} and another for {$300.00} because of their carelessness. Weve made many phone calls to this company to check on the taxes. They are completely incompetent. 

On XX/XX/XXXX we called the company again to be certain that everything was paid and up to date. At that time, we were utterly shocked to hear we owed them the {$10000.00} dollars back they had mailed a year previously after they told us verbally it was ours to keep. We talked to them a long time trying to understand this error. We were told that THEY had made the error and THEY had trouble with the taxes. We asked to speak to a supervisor and was told we would receive a call back in a few days. NOTHING! No call nor a letter from XXXX XXXX explaining the situation. 

This past month, we receive a new mortgage payment for {$750.00} more than the original payment, without any notification of this new amount. We are retiredI am XXXX and my partner IS XXXX XXXX XXXX. We dont have the jobs to go make an extra $ XXXX each month. This is unacceptable on every level. 

It was their error and they are not novices to the mortgagee business! They didnt even have the courtesy to call or write to us about the situation. We dont have an extra {$750.00} each month and we dont choose to pay for their mistake for the next 5 years, which was their solution. 

This is their responsibility and their error. We spent hours on the phone with this company and it was never satisfactorily resolved. There was XXXX communication from the company to us on how to correct the problem. We are looking for assistance. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

During my move out from XXXX XXXX  in XXXX XXXX, we were using a XXXX truck parked outside to help us move out and were using a lift on the side of the building to carry items out. I had a friend helping me with my move. However a staff member came over to us and told us to take the truck into the garage and use a lift that goes into the garage because they didn't want this lift getting damaged from the items we were carrying. We agreed, and drove the truck into the garage. However we were not aware that the garage had a clearance limit and the truck was taller than the limit- and assuming the staff member knew what he was suggesting, we followed his directions. As soon as we realized the clearance limit, we attempted to drive back out however we lightly hit the sprinklers at the entrance and set them off. The fire alarms rang and the fire trucks came in to turn it off. They are right next door to this building so the matter was resolved within moments. No damage of any kind was reported to any other part of the structure at the time. 

A few weeks later, we received a move out bill from them stating that we had caused damage to the gate of about XXXX XXXX They held our security deposit of a XXXX $ and demanded we pay the remaining, deducting the basic cleaning fees as well. We stated that there was no such damage that we were made aware of at the time and that they had to provide evidence of it. They refused to provide any bills or evidence of the damage that they claimed and sold the debt to a collection agency threatening that they would report to credit bureaus if we didn't pay it. The collection agency is now harassing us and not helping with any kind of evidence or reports of damage either. We feel really stuck and find it unfair to pay an arbitrary amount named by XXXX ( XXXX XXXX  ). There were also inconsistencies in the amount of damage they claimed that we caused on their own reports to us and the collection agencies. ( Attached documents ). This proves that they are acting on bad faith and claiming an arbitrary amount of damage to exploit us. We are young immigrant students being taken complete advantage of in this unfair system favoring the landlords.
Consumer complaint received 2024-07-04
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 am disputing these wrongfully reported accounts on my credit file and requesting an investigation. As stipulated by the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry.
Consumer complaint received 2024-07-04
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. (OH)

I send my dispute letter for this incorrect/accurate account and inquires please delete it now XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Account Number : XXXX XXXX XX/XX/XXXX {$0.00} XXXX Account Number XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX {$390.00} XXXX XXXX, XXXX
Consumer complaint received 2024-07-04
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. (HI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received a message through my online Capital one credit card portal stating that all of my XXXX credit cards have been closed. Ive been a loyal consumer of Capital one credit cards since XXXX, Ive never missed a payment on any of my XXXX accounts to date. I was not afforded any warning, courtesy call, problem solution etc. from Capital one. All of my cards were abruptly closed without my knowledge or consent.
Consumer complaint received 2024-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-04
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. (FL)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IN)

Transworld systems , inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Sent me a letter dated XX/XX/2024 stating they are collecting {$32.00} on behalf of the department of veterans affairs. The collections notice is sketchy and I not only pay all VA bills received I typically over pay, like in the case of copays that I know will have additional charges in the coming weeks. They state the original amount is {$25.00}. I have never received a bill in the amount of {$25.00} and this notice and the account number provided is not one I have seen on any of my VA bills. I just went through past VA bills to match the account number they provided and it does not match anything on my official bills from the VA. Given how sketchy this appears I am not comfortable contacting this company by phone, email, or postal mail.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Took out an XXXX XXXX loan in XXXX during the pandemic. The funds were released from the XXXX to capital one spark business account. The account was then closed and suspected fraud was the reason given. Capital one then said they returned the funds to the XXXX and the XXXX says they have no record of it. I have tried numerous times to get a transaction history or some sort of tracking from capital one with the same 'nothing we can do ' response. I have tried having sba trace it but of course they only see the deposit to the business account. I have been having to pay on this sba loan to keep it from affecting my credit but at a dead end with both companies on finding where the money went.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Hello team CFPB. I hope you are doing great! 
I am a XXXX XXXX XXXX with my money of my work and saving of my life in an account of BofA since XXXX  years ago without any problem.With an allusion to buy a house with my saving, I tried to make a transfer few days ago. First a make a transfer of {$5000.00} in order to pay the reservation of the house. XXXX days before of the sign of the contract of sale I make the final payment of the house with the remaining of the amount {$48000.00}. The bank no only doesn't allow me the final transfer but blocked my account access. I had been calling so many times to the BofA customer support and the only answers was in each opportunity : you must travel to the XXXX and go to a local BofA office with XXXX identifications.I have no visa at the moment and there is a very difficult situation in XXXX with that. Not only that, I traveled to XXXX to try to do anything to resolve this situation with any partner of the bank, but it was impossible. I suggested to travel to XXXX Bank of America office but was no a solution either. I started to make withdrawals with my card and the bank blocked in the same way, even that I took the action to call before those transactions. After so many calls, I tried to check any chance to travel with an emergency visa in the XXXX XXXX in XXXX. In order to that, they request documents like : XXXX. A letter from the bank explaining that my account is currently blocked and requires my physical presence to resolve the issue. 
XXXX. Proof of the funds currently held in the blocked account. 
It was impossible after make so many calls that BofA provider this information. They said that they can not send me that in any way. 
So, I am not saying that I don't want to travel, It is that right now I can not travel. I need to pay my house, I have a limited timeframe to finalize this transaction. I need my money for my family and I can not do anything. For humanity, can you help me with my problem? I am profoundly emotional affected.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (CA)

XXXX XXXX XXXX, M and T bank, and XXXX is not crediting my account!! 

So the only alternative is to get courts involved!! SMALL CLAIMS AND COURT ORDERS. 

XXXX SLOW LIKE A TURTLE BUT BELIEVE ME I XXXX WORK!! 

XXXX XXXX XXXX XXXX I have XXXX case managers now. 
XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX