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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the transunion credit reporting agency , 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 consist of personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, account opened at XXXX XXXX on XXXX XXXX under account number XXXX, account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-03-19
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. (SC)

I have hard inquires ( negatively affecting credit ) on my credit report that are fraudulent from the following two companies : " XXXX XXXX '' and " Citibank/Home Depot . '' Associated with XXXX and XXXX, respectively. 

I have filed a police report, a complaint with the FTC, and now with the CFPB. I've had success getting 1/3 credit bureaus ( XXXX ) to remove these inquires. The other two ( XXXX and XXXX ) will not. I have talked with both companies and both credit bureaus to no avail. Each one says to go through the other. The companies say that there is " no account '' despite the fact that there doesn't have to be with an " inquiry. '' With that, they " can not and will not '' reach out to the credit bureaus to remove these inquires. I find this hard to believe given they reported the inquiry in the first place. 

On the other hand, the bureaus request that the companies do this. I have provided them with the police report, FTC complaint, XXXX  letter removing the inquiry ( why can't you do the same given the law? ), letters from the companies showing inaccurate information not related to me, and even used a credit protection service via a 3-way call. 

This is insanity. Why can't these FRAUDULENT inquires be removed?
Consumer complaint received 2024-07-02
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. (AL)

I have been sending FTC Reports from identity theft website and Transunion will always make a excuse to why they cant remove the Accounts that listed on my credit report ( like sayin the FTC report ) is invalid when they remove the hard inquiries that was listed but didnt remove the account also today XX/XX/year> I called to try to speak to either a supervisor or a US Representative and 2 agents answered the phone one name XXXX and the other name XXXX XXXX wouldnt transfer my call they said they doesnt have the option to transfer me and hung up in my face very rudely. Transunion is very corrupt. I been sending them FTC report that came off the website and them been telling me for 2 years now that the valid FTC report that I sent is not valid they constantly making excuse I also just spoke to a supervisor from transunion who name is XXXX and he told me that the federal trade commission documents that I sent in was invalid also I been trying to get these accounts remove for 2years now and they telling me the same thing These accounts that on my Transunion Credit report is not on XXXX XXXX XXXX and thats why Transunion is being sued from FCRA and CFPB that have Fradulent information reporting on people credit and they want investigated or remove the items I have a attorney involved im taking legal actions I had enough
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (NY)

Between XXXX through XXXX Chase has been paying a stranger 's home owner 's insurance policy from my escrow account. Due to this fraud, my mortgage payment has been going up significantly every year. State farm has been made aware and has reimbursed Chase {$9700.00} to cover the amount that was paid out of my escrow account. Chase received a payment of XXXX on XX/XX/XXXX and a payment of XXXX on XX/XX/XXXX from XXXX XXXX. As of today Chase is only willing to reimburse me {$5800.00} of the money that was stolen from me. Chase claims they have mailed a check for {$5800.00} but I have not received it yet. They are claiming escrow shortages that clearly are no fault of mine for the reduced amount. I have always paid my constantly increasing mortgage on time and I am completely appalled that Chase will not reimburse the full amount that was fraudulently taken from me considering XXXX XXXX acted properly and rectified the issue. I spoke to a supervisor today who insisted that I am not entitled to the full amount stolen from me and he refused to transfer me to a manager. The fact that Chase is completely aware of my victimization and still continues to act improperly is absolutely abhorrent.
Consumer complaint received 2024-06-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (TX)

The whole problem started when they reevaluated my escrow account. They did not do they're homework when they bought the loan off of my original loan company. My original taxes set up when i purchased my home were correct. They took my taxes from a year before the home was built on this property. Sent me money back from my escrow account and lowered my mortgage payment. Now they want to play catch up forcing me to pay what I originally had scheduled plus what I am behind. This has put me in a financial hardship which I can not make my mortgage payment. Since then I have tried to get money out of my 401k to make my escrow current but that is not allow since it is not a foreclosure notice. So no I am trying to do a load mitigation. I filled out all of my paperwork and submitted it to their website. I recently got a letter in the mail stating I am missing additional income and a for 4506-C which I submitted both of. When I tried to login to my account to resubmit my forms they claim they never got, I am no longer able to get into my account. I feel they are taking these steps to force me into foreclosure and not work with me on a loan mitigation. I need legal help dealing with this company.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report and noticed incorrect information. Please update and delete the incorrect information.. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FLORIDA XXXX My phone number : XXXX My employer is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/year> under the account number XXXX, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I filed a claim with Citibank " On XX/XX/year>, a claim was opened under XXXX for transactions totaling {$19000.00}. A credit was posted to your account on XX/XX/year>. '' Citibank did not provide me with a provisional credit until 1 month later, I was not able to have access to my provisional credit as per the regulation E requirement, I received a cashiers check on XX/XX/year> with tracking number XXXX. I was unable to pay my rent and was evicted from my apartment. 

IOn XX/XX/year>, another claim was opened under XXXX for a transaction on XX/XX/year>, in the amount of {$720.00}, which a credit was issued on XX/XX/year>. The claim was also for another transaction on XX/XX/year>, in the amount of {$200.00}, which a credit was issued on XX/XX/year>. 

I was no given access too any provision credit which violates Regulation XXXX requirement for the bank. 

I have multiple other disputes with Citibank that I won and I have yet to receive any provisional credit. 

Citibank has held on to my funds and left me with alternative to pay my rent. which totals {$10000.00}. I now have a judgement against me from my landlord.
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (FL)

I attempted to file a dispute with Experian in XX/XX/year> in reference to a collection account that was placed on my credit report from my previous landlord in retaliation for reporting the property management to HUD for discrimination, of which they did the investigation and found cause against the Property Manager, Who was subsequently transferred to another property, yet suffered no other hardships for her behavior. The only reason XXXX added the collection to my credit report, was in retaliation of which I provided evidence of, all the documentation that proved not only did I not owe them money, but in fact, they still owed me money per our settlement agreement upon my vacating the residence. Experians response was the company that reported the information certified to Experian that the information is accurate, and that was the basis of their decision, even though they were holding in their hands, direct evidence to contradict that statement. If the only thing that Experian needs is a debt collectors word to validate a bill, then they need to have more training. There is not one person in this world that believes anything that comes out of a bill collectors mouth, yet for Experian that is considered standard practice? After a fee disputes, Experian denied me any more disputes, as well as XXXX did the same because of Experian. The only reason it was removed from my credit report is I contacted your company, who sent the information to Experian, as well as the debt collector. The debt collector agreed to delete it and remove it from my credit report, but by then the damage was done as Experian had made me fight the collection for over a year.
Consumer complaint received 2024-06-28
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. (GA)

I have an item from XXXX XXXX XXXX for a second auto loan in the amount of {$20000.00} that is not mine. When I call or write to verify they never send me anything. I had one auto loan with them that was paid off. The phone number, address etc they have does not belong to me and never has. I have sent in police reports over years to show them there was someone with similar name that items were being placed on my report. XXXX XXXX XXXX never responded. 

The second item is from XXXX same issue this is from XXXX they are reporting a charged off account with a past due balance of {$1500.00}, when I call them they say the amount is {$4000.00} and I have never had an account with them. The phone number, address, etc is not mine. 

I sent the police report and fraud notification to them as well. They never respond, just over phone say I have to pay the amount. My most recent communication with XXXX was today XX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (MI)

My auto loan company BRIDGECREST is a LOANSHARK. I would have gotten a better loan deal from the XXXX. This company is purposefully stealing from me. I took out a car loan with Bridgecrest in XXXX. It was not explained to me that this was a simple interest loan or what that means for interest payments. My contract said I would make XXXX payments at {$350.00} per month and 25 % interest. Due to XXXX I fell behind on payments. I requested extensions for 2 payments so I could be brought up to date. Bridgecrest denied me that request ( even during the pandemic ) and offered me only one extension. When I explained this one month extension would not help me get caught up completely and would leave me in a perpetual behind status that I could not get out of, they still only would give me one extension, so I took that cause that was all there was and my car was about to be repossessed. Fast forward three more requests for two extensions and only being allowed one extension each time, my account remains behind. I have told the company each time that one extension will not help me and because of COVID I need two extensions to get caught up completely. This is on purpose by Bridgecrest -- they have been told I can not get caught up without two extensions, yet will only give me one extension ( bridgecrest reps have told me on the phone they can give two extensions at once per company policy, but they won't do so ) Because of my behind status EVERY SINGLE PAYMENT I MAKE GOES 100 % to INTEREST and I have built NO EQUITY on this loan, none. This has been going on for 4 YEARS> I HAVE PAID MORE IN INTEREST THAN I BORROWED ON THE CAR AND I OWE MORE NOW FOR THE CAR THAN WHEN I BOUGHT THE CAR. I recently got up with the company again and requested two extensions so I can get out of this cycle of paying forever on this car. I have been told an absolute no. I then asked to lower my payment amount due to financial hardship so I can get caught up in that way and was also told no. I explained to the rep that I have been paying nothing but interest for over four years and owe more on the car now than when I bought it and that I felt Bridgecrest purposefully put me in this position. The company knew I was low income and XXXX when I got the loan, they know I can not pay two payments I got behind on due to XXXX to get caught up. They are purposefully loan sharking me, technically forever. I either have to give up the car to repo and lose my credit rating forever, or continue to pay nothing but interest for the rest of my life or until I win the lottery. I have paid nothing but interest for XXXX and XXXX years. I deserve a break by Bridgecrest and some help here. This amounts to purposeful legal theft and is ridiculous. The entire loan balance for this company should investigated. I have looked online, I am not the only person suffering like this due to falling behind years ago due to XXXX. There are thousands of others.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I recently had my cellular device stolen on Friday, XXXX in XXXX XXXX XXXX at an establishment called, " XXXX XXXX ''. The perpetrators were able to figure out the passcode to my phone as I assume they had been targeting me and watching me put in my passcode throughout my time at the venue. From there, they were able to go into the " XXXX '' app on the stolen XXXX and funnel thousands of dollars from my XXXX XXXX  checking account, totaling up to {$8800.00} and spent these dollars at the XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, purchasing a bunch of unauthorized XXXX products via XXXX XXXX on the stolen device. Unfortunately, after filing disputes with XXXX XXXX, they are still withholding the money and not trying to reverse the funds to give me my money back. I've provided bank statements, filed disputes with XXXX, and provided a police report # ( XXXX ) from the XXXX XXXX  in XXXX XXXX XXXX XXXX .
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Remove all ID THEFT FRAUD inquires related to these accounts per FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hi, I purchased my XXXX XXXX XXXX in XX/XX/XXXX brand new at that time. I've been paying on my car and making payments, on up until the end of XXXX XX/XX/XXXX I became severely XXXX, not only did I catch the XXXX, I had the XXXX, and a XXXX XXXX XXXX XXXX all at the same time, my symptoms were so severe that I was XXXX  for eight weeks, I have doctors statements to prove it, my XXXX  cause me to be XXXX XXXX XXXX XXXX XXXX XXXX, every step of the way I called, I also called and explained to them I was denied of unemployment 3 times, fast forward to XX/XX/XXXX, I made two payments in XX/XX/XXXX, my only two payments that I received from XXXX, I didn't pay my rent prior, I paid CapitalOne Auto finance company first. Prior to me making the payments I was extremely detailed, I wanted to be reassure that my car wouldn't be repossessed, I was told by multiple representatives at CapitalOne auto finance that I had thirty days before my car will go into repossession, fast forward to XX/XX/XXXX my car was repossessed before thirty days with all my identifications in the car, along with my mailbox and my groceries in it. My car was almost paid off, the CapitalOne auto finance company representatives scammed me out of my monies, I was bamboozled, hustled, and taken advantage of. The company knew I was going through extreme severe hardship, and CapitalOne auto finance played on my vulnerability, my desperate needing for my car, and my weakest. 
I'm requesting for my car to be returned back to me, and to be giving the thirty days I was told I had to pay over the phone by CapitalOne auto finance representative, please, thank you.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TN)

On XX/XX/year>, a fraudulent merchant charged my CashApp card {$220.00}, despite being previously blocked for fraudulent activity. This merchant has been blocked since last year, and previous attempts to charge my account were declined. Today, they managed to charge my account and withdraw {$220.00}. 

Despite my recent card replacement due to previous fraudulent activity, the merchant was able to charge my new card. CashApp customer service informed me that the merchant somehow forced the transaction, which is unacceptable as it bypasses their blocking system. 

Dates, Amounts, and Actions Taken : Date of Unauthorized Charge : XX/XX/year> Amount Charged : {$220.00} Actions Taken by Me : Contacted CashApp customer service immediately. 
Informed them of the blocked merchant and the unauthorized charge. 
Requested an immediate reversal of the charge. 
Filed a report with the XXXX Police Department ( case number : 2024 XXXX XXXX ). 
Awaiting a response from CashApps supervisor via email. 
Actions Taken by CashApp : Customer service acknowledged the unauthorized charge but stated they couldnt assist until the payment is no longer pending. 
Provided no satisfactory explanation for why a blocked merchant was able to charge my new card. 
Supervisor to reach out via email for further assistance. 
This situation has left me financially vulnerable, and I urgently need the unauthorized charge reversed. The payment should not have been allowed to pend, and I request immediate action from CashApp to resolve this issue.