davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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)

Transunion and XXXX continues to report inaccurate information on DPT EDXXXX Account XXXX XXXX XXXXXXXX XXXX. 

The account is listed multiple times on my consumer report which is damaging my consumer report and causing me to be denied credit. Furthermore the information on the account is not consistent with the other reporting agency which means this account has not been validated properly which means it also can not be verified as accurate. 

This is a violation of FCRA. I have filed a complaint and sent numerous letters to each for account deletion. 

DPT EDXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (HI)

I had previously filed a complaint against Zions Debt Holdings on XX/XX/year> [ Complaint id # XXXX ] and got a response that did NOT address my concerns or questions further violating the Fair Debt Collection Practices Act ( FDCPA ). In that complaint I have stated that they are claiming I owe a debt and reported it to consumer reporting agencies without giving me, the consumer proper notification of the debt. They claimed that they do not need my permission to purchase a debt however they do need my signature to make it collectable as described by the Federal Trade Commission ( FTC ) and Uniform Commercial Code 3-203. I stated that I wanted evidence that they followed the procedures of the FDCPA by providing the following ; The green return receipt/card bearing my signature that proves they notified me of the debt 5 days prior to reporting, the purchase agreement, proof they are both licensed to collect and bonded in Hawaii where I reside. To date they have NOT provided any evidence beside an agreement I have with vivnt which show ZERO proof that they are authorized to collect. They did NOT provide enough evidence to support their claim which violates the FDCPA, not to mention the Fair Credit Reporting Act ( FCRA ) as they are reporting an unverifiable account to consumer reporting agencies. Lastly as stated previously, they are not listed on XXXX.
Consumer complaint received 2019-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed that my joint Mortgage with my Ex husband was included in my Chapter XXXX bankruptcy in XXXX of 2015 and my responsibility written off. Initially, XXXX put the prop. up for short sale then removed it. I called to inquire & was told I could not file on joint prop & resp was still mine too. I get monthly bills & yearly tax statements. 

Regarding the Two individual XXXX accounts I had, I paid both off long before my bankruptcy through XXXX XXXX. I have case worker 's number who can provide payment history. It has shown in the past paid in full, on time, closed long before bankruptcy was filed. XXXX just had not marked accounts closed. When I disputed, the payment history and dates of payoff were removed.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (OH)

I had XXXX fraudulent charges in my account from merchant " XXXX XXXX ''. The first transaction was on XX/XX/year> for {$16.00}. I contacted XXXX at this time and disputed the transaction. They closed my debit card at this time and sent me a new debit card in the mail. A second fraudulent charge then went through my account on XX/XX/year> for {$100.00} from the same merchant ( after my card was closed and I had my new card ). I contacted SoFi again and explained to them that the merchant must have access to my account number since they gave me a new card but another fraudulent transaction went through. SoFi gave me XXXX provisional credits and said they needed time to investigate the transactions. I then closed out my XXXX account to prevent any additional fraudulent transactions from going into my account. 

On XX/XX/year> I received an email from SoFi stating that they determined the first transaction for {$16.00} was unauthorized activity. They then sent me another email on XX/XX/year> notifying me that they determined the {$100.00} transaction from the SAME merchant was NOT unauthorized and they would be taking the provisional credit back out of my account on XX/XX/year>. 

I then contacted SoFi to dispute the decision and explained to them that a mistake had been made by their Fraud team and both transactions were indeed fraudulent. The phone representative was unable to help. I then asked for a copy of the documents they used in reaching their final decision and they were unable to provide any documents ( even though the email they sent me explained that they would be able to provide these documents ). I then explained to them that I would be filing a complaint with the CFPB. 

I am a XXXX XXXX  XXXX for a XXXX XXXX and can tell you from experience that this dispute was handled very poorly and the decision was wrong. The response by SoFi is unacceptable. How can you determine XXXX transaction was fraudulent but then determine another transaction from the SAME merchant conducted several days later for MORE MONEY AFTER A CARD WAS BLOCKED was not? I have been a SoFi customer for almost XXXX  years, I have a credit card with SoFi that I use everyday, and have had XXXX  loans with SoFi which were both paid in full but I will be banking with another institution unless this decision is reversed. I have no confidence in SoFi 's ability to handle Fraud after this.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CO)

On XX/XX/XXXX I applied for an apartment rental, completed the rental application, and later on signed a lease agreement for. After speaking with the agent on the phone who answered several questions and driving to see the exterior of the apartment, I was requested to send payment for the property to secure it from XXXX potential other applicants. I sent the security deposit payment for {$800.00} using XXXX under my BMO banking app, and {$800.00} for the first month rent using XXXX. Leasing agent told me I couldnt move into the home until the current tenants moved out on XX/XX/XXXX. I received a processed invoice for my payments and the morning of XX/XX/XXXX when the tenants were supposed to be moved out, the scammer ( leasing agent XXXX XXXX ) stopped responding and deactivated the phone number I was communicating to. 

I filed a police report ( case # XXXX ) with the city of XXXX and reported the fraudulent transaction to my bank BMO. I was told by my bank ( BMO ) they understand the incident and the XXXX transaction for {$800.00} would be returned to my checking account within 2 weeks as preliminary funds while they did an investigation about the fraud. This BMO bank located XXXX XXXX XXXX XXXX, XXXX XXXX CO, XXXX assured me there would be no issues and said that they have seen similar fraudulent XXXX transactions and helped those customers so I shouldnt worry. 

On XX/XX/XXXX, a couple days after the 2 weeks, I had not received any funds and contacted BMO. They described to me that I was denied and no funds would be refunded because the investigation was determined as not fraudulent. This is obviously not the case. I was manipulated and scammed. I hope that you can take my situation into consideration and progress action since my bank institution has shown a loyal customer unwillingness to help. 

***Additionally, I filed a claim with XXXX for the additional {$800.00} lease payment and upon providing the police report, XXXX refunded my transaction. XXXX investigation determined the transaction was fraudulent.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (DE)

These are unauthorized inquiries ; I received alert when I woke up I noticed that this inquiries was added to my account approx at XXXX. I would like this three deleted as I stated before theyre unauthorized XXXX ( 2 ) both dates XXXX Onemain financial XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - not mine - inquiries attached also are nto mine
Consumer complaint received 2024-06-26
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: JPMORGAN CHASE & CO. (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also JPMCB detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

The TransUnion website has been dysfunctional for a number of days. I've been trying to place a freeze on my credit on the TransUnion member website and it inconsistently returns various errors. When trying to place a freeze, I receive the error " we're having technical issues retrieving your credit information. Please try again later. '' I've been trying for days to make this happen to protect myself from the recent breach. I tried again today and suddenly my account is temporarily suspended " because we can not verify your information at this time. '' despite using the correct username/password. They have older copies of my History available but the website errors when I try to generate an updated free report. TransUnion is a huge disservice to everyone who has their credit history on file with them and we deserve better. 
XXXX and XXXX works flawlessly.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has placed a collection account on my credit report for {$13000.00}. I never had an account with Midland Credit Management and want to see proof they own this debt. 

I want to see a bill of sale and/or assignment specifically showing my name and account number. If the bill of sale is governed by purchase and sale agreement, I want to see a copy of that also to verify a clean chain of custody. 

I also want a copy of the assignment of my account to Midland Credit Management. This assignment must show my name and identify the account being assigned.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I have written to everyone I could think of, every year, regarding escrow issues with my mortgage company and the Maryland Department of Finance. The problem stems from a program with the Taxation and Assessments Program of the Maryland Department of Finance, which I have been eligible for for many years.This program allows for low income, senior homeowners to receive discounted property taxes. My escrow has caused me many problems over the years, however I have been able to take care of it with loans, loan modifications and other means. This year the loan company, Mr. Cooper, before the pandemic, sent me an Intent to Foreclose and my prior remedies are no longer possible. I am able to, and always have been able to, pay my mortgage plus whatever part of my escrow is not paid by the Maryland of Finance Program, but I can not pay the full escrow amount, otherwise I would not even be qualified for the discount program. I believe I have acted as a reasonable person and my mortgage company and the Maryland Department of Finance have not assisted me as experts in their field.

In an attempt to at least begin to remedy my problem, so I can keep my home of 34 1/2 years, I am trying to get the following information : 1. ) Is there a law or code, that you can give me the citation for, that allows for escrow to be late and how late?

2. ) Who is the correct person to contact for help with my mortgage problems, if it's not you. It is not fair that anyone with a mortgage should not be able to easily find this information.

3. ) Where can I get information about suing my mortgage company? 

I will send documents soon, so you will better understand the situation. Also, I have very little money, so I hope to do as much as I can without an attorney. 

Thank you very much, XXXX XXXX
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Creditor is reporting accounts that are invalid and unverified. TransUnion have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX between XXXX to XXXX I went to use an atm machine at XXXX  in XXXX. I tried to withdraw {$130.00} after I did that I removed my card after being asked to so I can retrieve my money. I look up and I get a message from the atm machine saying we are withholding your money contact your financial institution. It happened so quick I didn't have time to take a picture. I contacted chine about the issue on XX/XX/XXXX at XXXX because I had to wait for the pe ding to go away. This morning I get an email saying they denied my request for my money back.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (AR)

I was approved for a Truist checking account on XXXX XXXX XXXX with a {$400.00} bonus promotion code. That code required me to have a {$500.00} direct deposit as well as make 15 transactions with a debit card all within 90 days to qualify for. 

However I didn't receive a debit card for the account. 45 days later I called in to ask where my debit card was and they said there was an issue with funding the account and so it had XXXX dollars and thus was inactive and never got a debit card sent at all. I was told to transfer some money over and it would become active and a debit card would be sent. I put in the money that day around XX/XX/XXXX. 

I waited more and eventually called back in today Wednesday XX/XX/XXXX. They said that I had to order the debit card and that's why one wasn't sent. Now I have never had a bank not send me a debit card automatically. How am I supposed to know that if they don't say so? They just said out money in and one would be sent. 

Now a debit card is coming but it won't get here in time to be able to use the card for 15 transactions to post before the promo period expires XX/XX/XXXX. 

I called in again and had a XXXX hour phone call through multiple people trying to get an extension since this wasn't my fault and now I have a checking account I wouldn't have signed up for and hit my XXXX with an inquiry without the bonus. Eventually all of them said there was nothing they could do despite it not being my fault and being sorry. This is fraud to offer someone money to open account and then not give them the tools to meet the requirements. Especially something as fundamental as a debit card. 

Eventually they hung up on me. XXXX minutes later the supervisor I was working with called back and I missed it. I tried calling the number she left in her voicemail but it just took me to generic service and they couldn't get me back to her without another XXXX minute hold. Given success so far I said I was just going to file a CFPB complaint and skip that pain. So here I am. 

I just want to meet the requirements to get the money like we agreed.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (UT)

This concerns American Express Gift cards. I have 2 of the cards that have been mostly useless because they are denied at almost all online merchants including XXXX. I have 6 instances where the cards have been declined. They are refused at merchants that honor the American Express card but not the gift cards. I also know this is a very common issue with these cards with no effort from AmEx to resolve the issue. I have asked for a refund from AmEx for the balance that is on these two gift cards. AmEx refused to provide a refund. Doing online searches about the issue shows this is a very common issue to thousands of consumers.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC (GA)

My mortgage is held with Village Capital and Investment. In XX/XX/2023, I missed my monthly payment. At that time, I did not know about suspension accounts or partial payments. The next couple of months passed, and I continued my monthly payments, in XXXX, I made what I thought was a double payment to bring my account current. Unfortunately, I was {$100.00} short of completely making the missed payment. 

When I noticed that the missed payment was still following me, I telephoned the company. I was not informed at this time of partial payments or suspension accounts. Had I been, I would've found the necessary money to bring the account current even if it meant not eating. Instead, I was asked how long I needed to bring the account current, and not understanding the situation at all, I said two months, that I would pay half the next month and half the following. We agreed to this. 

This missing payment has continued to follow me. It has also been reported to the credit bureaus, and I am reported as three months delinquent. Further, my loan is now in default status, despite my having been so close to being caught up and not having been informed about the status of my payment postings. At this time, I am told I am three payments behind, although I can not understand how this is possible. I telephoned again today and requested a balance sheet to be able to understand where my payments were being posted and when, but this request was immediately denied. I was told that I could the transaction history, which I already had as it's available through my online portal and doesn't contain any information about balances carried forward or where postings are made, only when an actual payment is posted for a given month. 

I have been faithful at making payments and also at trying to clear this single missed payment. To find myself in default because I was not educated about the payments not posting to my balance is disingenuous of this company at best.