davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (NJ)

I am writing to follow up on my ongoing dispute concerning certain inaccuracies present on my credit report. Despite repeated attempts to rectify the situation, the disputed personal loan account ( Account # : XXXX  # XXXX ) remains unresolved, prompting me to escalate the matter to your attention. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and Credit Metro Codes, I have identified several violations within the reported information : XXXX. Violation of Privacy ( 15 U.S.C 1681 Section 602 A ) & Credit Metro Code 101 : The inclusion of the personal loan account without my explicit written authorization represents a clear violation of my right to privacy and confidentiality. 
XXXX. Inaccurate Reporting ( 15 U.S.C 1681c. ( a ) ( 5 ) ) & Credit Metro Code 203 : The adverse information associated with the reported account is factually incorrect, contravening both the FCRA and Credit Metro Code 203. 
XXXX. Furnishing Unverified Information ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ) & Credit Metro Code 302 : The credit reporting agency has failed to adequately verify the information furnished, thereby violating federal law and Credit Metro Code 302. 

I am formally requesting a comprehensive investigation into these violations by the CFPB, with the ultimate aim of rectifying the inaccuracies present on my credit report. As per FCRA guidelines and Credit Metro Code 402, I insist on receiving tangible documentation substantiating the claims made by the credit reporting agency, including proof of a permissible purpose for their inquiry into the disputed account. 

I hereby grant the CFPB an additional 30 days to conduct a thorough examination of this matter and undertake appropriate corrective actions. Prompt resolution of this dispute is imperative to safeguarding the accuracy and integrity of my credit report. 

I eagerly anticipate your response, accompanied by any documentation that sheds light on the validity of the reported personal loan account. Should it be determined that the reported information is indeed erroneous, I respectfully request its immediate removal to restore the integrity of my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Someone has gained my social security ( at least the last 4 digits, email address and other identifying info ) and tried to open a checking account with Citizens Bank. I received a denial from the bank on XX/XX/23 indicating that the application had been denied. 
====================== Personal Deposit Application Application ID : XXXX Dear XXXX XXXX : Thank you for choosing Citizens Bank and for your recent online application for the following account ( s ) : Product Name Citizens Quest Checking Unfortunately, we are unable to open your account ( s ) at this time based on the information you supplied when you completed your online application. However, one of our local branches may be able to assist you with the account opening process. When you apply in person, the banker may accept various forms of valid primary identification, such as a driver 's license, state-issued ID, or passport. 

Thank you for again choosing Citizens Bank. 
Sincerely, Citizens Bank =============== I contacted their fraud dept who verified that the attempt was real and that I should file a complaint with the FTC.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

XX/XX/20 i held for 56 minutes called and asked everything be mailed using USPS since i can no longer afford internet was told it was all set up today i called 1 hr 25 min wait only to be disconnected when i was put on hold to find out why i am not getting bills in the mail. 
i called back and after 42 minutes i am still on hold
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

These Inquiries are fraudulent and do not belong on my credit reports below from different bureaus XXXX  inquires below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, I opened an account with Chase Bank online. The next day, I went into my local branch and deposited a {$69000.00} check expecting a 7-10 business day clearance period. However, due to the holidays, I returned on XX/XX/XXXX, only to receive a letter threatening account closure. Upon inquiry, I learned the check was placed on hold due to a third-party verification issue. 
The third party, an old friend with a changed number, readily cooperated with Chase 's verification attempt. Despite this, Chase refused to release my funds, citing the outdated phone number as their sole reason. Even after the third party visited the bank and personally verified their identity, the specialist callously dismissed him and hung up. 
Frustrated and emotionally distraught, I filed a formal complaint with the branch manager, XXXX XXXX. She attempted to resolve the issue by contacting customer service again, eventually reaching a more helpful specialist who verified the check with XXXX XXXX. However, a " hold harmless agreement '' and an additional 5-day wait were imposed. 
Adding to the confusion, I received another letter stating my account was denied due to a low credit score, despite it not being a concern during the initial opening. By XX/XX/XXXX, the account was closed. Thankfully, XXXX persisted and reached a Level III fraud specialist who reopened the account within a day. However, the promised 5-day release of the funds never materialized. 
Today, XX/XX/XXXX, the account remains closed, and Chase claims the check is " in the mail '' without providing any details or a delivery date. This entire ordeal has caused me immense emotional distress, financial hardship due to missed bills, and a deep sense of racial and age discrimination. I believe Chase deliberately took advantage of my situation and exploited my funds for their own gain.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

Company is charging me late fees and interest for an issue that I had talked with them over with last year. The credit card was canceled ( by them ) 2 years prior and yet they still share my info with third party merchants. I already tried canceled with the 3rd party but they are not acting in good faith and now I have an issue with this TD CC. I was told my account was closed so this is not something I was expecting. Now I come to find I have late fees and interest charges. This amount is not much to most but I am currently struggling financially and the credit card company ( TD ) is taking advantage and sharing information on an account ( mine ) that they themselves closed. As it was closed I did not expect to see these charges.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, 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 went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

To whom it may concern I submitted a dispute with USAA for an ongoing purchase I had made on my credit card with Smile Direct after my teeth become poorly affected and they filed bankruptcy. First USAA ruled in my favor and credited the amounts back. Then, they claimed I hadn't submitted enough evidence even though they gave me less than 48 hours to produce it and charged me again. Then they said they'd credit back a portion and never did. They keep sending me a letter from a XXXX XXXX XXXX  who claims to work directly with USAA 's CEO. I have since come to find that " XXXX '' is an automated machine. XXXX  does not exist. This is a general letter they send customers to appease them since the shrinking of their assets in XXXX  and potential bankruptcy filings. My pleas to USAA 's dispute and documents team are ignored, customer service is unresponsive. The few times I have spoken with representatives they seem generally unknowledgeable about banking concerns and legalities. I would like a deeper look taken into this and I have saved the documents necessary to prove my claim.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

PLEASE HELP ME CORRECT MY Address and FULL NAME AND LAST Name AND PERSONAL ADDRESS AND REMOVE THESE LATE PAYMENTS PLEASE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INQUIRY HAS BEEN 2 YEARS OLD NEEDS TO BE DELETED.

15 U.S. Code 1666b states that a creditor can not treat a payment on a credit card account as late unless they have taken reasonable steps to ensure that the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers XXXX XXXX XXXX XXXX of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that 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. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2023-09-25
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: General Motors Financial Company, Inc. (TX)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX GMFNANCIAL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (TX)

Rausch Sturm LLP via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX. Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default Judgment out of XXXX XXXX from XXXX XXXX XXXX I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in a county against me before I lived there? I called Rausch Sturm LLP who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX XXXXccount information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is 13 years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from Rausch Sturm LLP asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and Default Judgement letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like Rausch Sturm LLP and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

I sent my mortgage payment through XXXX XXXX on XXXX for {$1200.00}. It was deposited by Newrez  on XXXX, and I can see the endorsed check on XXXX. On XXXX I read an email from Newrez sent the night before ( XXXX at XXXX ) that my payment had not been received. After checking with XXXX to be sure the payment had been sent, and deposited, I contacted Newrez through their chat line to ask why the payment had not been applied to my account. I was unable to save the chat since Newrez does not offer a function to download the chat, and I didn't get a screenshot in time. I was asked what address I sent the check to, and what account number was on the check, both of those checked out as correct. I was then asked to provide proof that the payment was sent, and I was able to upload the proof from the bank. However, there is no way to confirm or see what I sent on the account webpage. I got a form email on XXXX confirming that they received my request, but no mention of what the request was. On XXXX I used the chat function again to see if anyone had looked at the proof of payment. The agent on the chat said that they were waiting for proof of payment from me. I told them it was uploaded last week. They said they would check, and after a couple of minutes confirmed that the proof of payment was there, and that they would apply it. I asked if it was being applied to my account, and they said yes, but later said they would be researching the payment and it would take up to 5 days to apply it to my account. They also said a letter confirming that I had uploaded the proof of payment had been mailed to me last week. A letter is a very slow way to handle a late payment. At this point I asked to speak to someone who could take some action on my account, and was told I could not, as payment processors were not customer facing, or something to that effect ( the agent closed the chat before I could take a screen shot. I believe this is intentional on their part. ) I asked to speak to someone with some authority, and was given the customer service number. I called, and finally spoke to someone who was able to look at the proof of payment, was able to tell me that everything on my end was correct, and that Newrez did deposit the check, but that he could not see to which account. I was told this should be resolved by XXXX. Not will be, but should be. They can see that I paid, I fail to see why I need to wait for them to figure out what they did with my payment. They should update my account to show that the mortgage payment due on XXXX was paid, and handle looking for the money on their own time. This is not the first mortgage company that my loan has been sold to, but it is the first to make it so hard to keep a paper trail of what is happening with my account, and it is definitely the first to deposit my payment, but not only not credit it to my account, but make it my problem that they mishandled my payment.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found (IL)

On XX/XX/XXXX, at around XXXX, I received 2 unauthorized charges to my debit card. One in the amount of XXXX and the other is the amount of XXXX. I immediately contacted XXXX whom told me that the charge came from another device, not my personal device, but my card was not on file but because the device was logged into my XXXX ID, they were able to charge my card. I filed a dispute with XXXX, they in return approved the {$100.00} refund but denied the XXXX refund. I was not given a reason for the denial besides due to companys policy. On XX/XX/, I filed a dispute with my bank. Usually, youll get a confirmation email stating that they got the dispute and will be working on it. For over a week, I didnt receive anything from my bank, not even a confirmation. I called into customer service twice to have someone respond to my dispute. After over 2 weeks, I finally got a response from the representative XXXX XXXX. He asked me to provide him with proof that I attempted to resolve this matter with XXXX, which I provided at that time. He then asked me to reach back out to XXXX to see why they denied my claim in which I responded when did it become protocol for me to find out why they denied the claim?. Ive filed plenty of disputes and havent never had anyone ask me to go back and forth with the company. Its the banks job to investigate. After I sent that message, XXXX XXXX became very dismissive to my concerns. He stopped responding to my emails and when he would respond it would be very matter of factly. I had to call into customer service on multiple occasions just to get him to respond to my emails. I asked for a supervisor to reach out to me on multiple occasions. A provisional credit is supposed to be provided after 10 days. Its been over 3 weeks since I filed this claim and I have gotten no where.