davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that TransUnion is reporting an account that was to be removed XX/XX/2023 and the creditor has confirmed this. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. Furthermore, I must highlight that XXXX and XXXX have already deleted this account from my credit report. Therefore, the inclusion of this account by TransUnion constitutes false reporting. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Frozen Account at SoFi Bank Dear Sir/Madam , I am writing to formally lodge a complaint against SoFi Bank concerning the unwarranted and prolonged freezing of my personal bank account, which has caused significant financial distress and inconvenience. 

Account Information : Account Holder : XXXX XXXX Date Account Was Frozen : XX/XX/year> Details of the Complaint : On XX/XX/year>, my personal bank account with SoFi Bank was inexplicably frozen. Despite my repeated efforts to resolve the issue, I have received no satisfactory explanation or timeline for when my funds will be accessible again. This account contains my hard-earned money, which I rely on to pay my rent and other essential bills. The inability to access my funds has left me in a dire financial situation, jeopardizing my ability to meet my financial obligations. 

I chose to trust SoFi Bank, a smaller financial institution, with my finances, expecting a high level of customer service and reliability. Unfortunately, this experience has been profoundly disappointing. The lack of communication and transparency from SoFi Banks customer support has compounded my distress, as I have no clear understanding of the reasons behind the account freeze or when the issue will be resolved. 

Impact on My Financial Stability : Due to this situation, I am unable to pay my rent and bills on time, which could lead to late fees, damage to my credit score, and potential eviction. I have explained my predicament to my landlord, but understandably, they require timely payment. This situation has created undue stress and hardship, undermining my trust in SoFi Bank as a financial institution. 

Requested Resolution : I urgently request the following actions from the Consumer Financial Protection Bureau : XXXX. Immediate investigation into the reasons for the freezing of my account at SoFi Bank. 
XXXX. Prompt resolution to unfreeze my account and restore access to my funds. 
XXXX. Clear communication from SoFi Bank regarding the status of my account and the steps being taken to prevent such issues in the future. 
XXXX. Compensation for any financial losses incurred due to the inability to access my funds. 

Thank you for your prompt attention to this urgent matter. I hope that the CFPBs intervention will lead to a swift resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (VA)

XXXX sent notice that my account will be closed on XX/XX/XXXX. The email states that account closures can take up to XXXX business days. Account has cash value of approximately {$34000.00} and XXXX states funds will be returned back to originating bank account. This complaint is being filed on XX/XX/XXXX which is business day XXXX from notice of account closure. 
Follow-up with customer service states on XX/XX/XXXX " At this time, XXXX is working directly with your bank to return deposited funds to their originating source ''. There have been no updates on status of funds nor confirmation of funds withdrawal to bank since then. Any additional followups with XXXX, they tell me to refer to that XX/XX/XXXX support ticket. XXXX has closed account and is locking funds balance with no clear status updates on fund withdrawal other than essentially saying " we are working on it ''.
Consumer complaint received 2024-05-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (IL)

I was notified by my credit monitoring services that my profile had undergone changes. It listed the agency and the total amount due of {$130.00}. 

This is reporting negatively and therefore dropped my score significantly. 

How can this company report negative information to the credit bureaus without making me aware of the debt FIRST? I have not heard from this company. This violates The Fair Credit Reporting Act!
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The credit furnishers and creditors are replying back the information is verified. After I submitted my complete and accurate identity theft report, IRS identity theft affidavit, someone filed taxes in my name. A copy of the police complaint. If someone has stolen my identity then my information can verify. Where is my protection as a consumer?
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have tried to resolve my delinquency with SPS since XXXX. I have continually been I threw in the towel last XX/XX/XXXX and obtained an offer to purchase my home because SPS refused to work with me and modify my mortgage so I could resume making payments. 

Unfortunately, the sale fell through due to situations that I could not control. I took that as a sign to possibly reengage with SPS to modify my mortgage and retain my home. Over the past year, I thought SPS would eventually work with me and modify my mortgage ; however, SPS ultimately decided that they would not offer me a retention offer ; their only offer was to sell the property or do a Deed in Lieu. Since the Deed in XXXX would prevent me from receiving any profit, I started searching for an offer to purchase. I received a ratified contract on XX/XX/XXXX. 

SPS scheduled a foreclosure sale during my XXXXday appeal period, as outlined in the attached Mortgage Assistance Retention response. I have sent a Notice of Error stating that this should not have occurred because no sale date should have been scheduled during the appeal period. If SPS had not entered this sale date, I would not have the issue of requesting the postponement of the XX/XX/XXXX sale date. As you can see, I obtained a ratified purchase contract on XX/XX/XXXX, less than 10 days after my appeal period ended. 
SPS has stated they will not cancel or postpone the XX/XX/XXXX, sale date because the previous offer to purchase, over a year ago, did not go to settlement. 
However, SPS continues to state that they are attempting to help me. I feel as though they are determined to hurt me and strip me of equity in my home by forcing the foreclosure sale date. I believe the actions are criminal and attempting to take advantage of me.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Well Fargo closed the estate account that I am the executor for. They mailed the check to the deceased family members address where no one lives and the property is being sold. They provided no notice no call or email regarding the account. When speaking with wells fargo in person they state that they can not reissue the check for XXXX business days even though XXXX return the check since it was undeliverable.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the 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 : XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TX)

I sent US Bank a notice to cease and desist from sharing my non-public personal information ( " NPI '' ) with non-affiliate third parties. US Bank disclosed my NPI with non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-opt before they disclosed the information. As a result, U.S. Bank has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.

U.S. Bank shared my NPI with multiple consumer reporting agencies including, but not limited to, XXXX, XXXX and XXXX which are all non-affiliate third parties to U.S. Bank. This violation of my privacy has harmed my reputation since the consumer reporting agencies have also shared my NPI with other institutions whom I seek to establish a relationship with. 

THIS IS A MATTER OF PRIVACY, NOT ACCURACY!
Consumer complaint received 2024-01-29
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. (NC)

In XXXX I was informed that my personal files had been lost/stolen during my tax preparer relocating. I was advised to monitor my credit report going forward. I recently pulled a copy of my credit report and noticed accounts from XXXX, XXXX, and XXXX XXXX. I have no knowledge of these accounts, nor have I applied for any account with these creditors. I informed the credit bureaus of the incident in XXXX, and recently contacted each bureau in XX/XX/XXXX and XX/XX/XXXX. I requested verification of these accounts. Furnishing accounts to my profile without my knowledge or written consent is in violation of 15 USC 1681B. 

I researched each account and they have been opened due to identity theft. Furnishing these accounts to my profile further violates 15 USC 1681c-2. No accounts that I have no knowledge and are due to identity theft should be furnished to my profile. 

I also noticed inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX. I have not authorized these inquiries or given any permission for them to be furnished to my profile
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-01-29
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-29
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. (MA)

I am writing to file a complaint regarding the inaccurate information present on my TransUnion credit report. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. I am seeking your assistance in resolving this matter. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} Please remove this account from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Please remove this account from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} Please remove this account from my credit report.