davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (TN)

I am currently selling my property under an assumption loan process. I went under contract with Buyer in XXXX of XXXX. I am still in the assumption process to this day. My assumption officer is XXXX XXXX at Freedom Mortgage. The buyer, myself, and my realtor to include the title office vice president have contacted her and freedom mortgage on numerous occasions with no response. We know that we are conditionally approved but have no received any other answers from them. The lack of communication is ridiculous and just want this process to come to a close and finally close.
Consumer complaint received 2022-12-06
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. (NJ)

I have attached to this document the proof of my previous complaints to the CFPB that have been ignored. 

XXXX. XXXX XXXX reprint of letter dated XX/XX/2020 stating that my account was closed and they were unable to verify personal information on my account. " we will report to the credit bureaus that the account was closed by grantor ''. 

XXXX. The XXXX account should not be reflected as late as it should not be reporting due to the blatant errors in metro 2 compliance for this account. This has been requested to be corrected via the phone and the mail, and uploading documents. No positive, proper response has been provided as of yet from XXXX. This account should be deleted by law.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was advised by a Transunion and XXXX representative to fill out this report because of unauthorized inquiries on my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information for future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
XXXX reported that the account was open when it was closed. XXXX reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (NJ)

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.

The letters are stated with items and issues.

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 2024-06-09
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. (IL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX XXXX  Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

XXXX XXXX XXXXXXXX XX/XX/2023 I requested them to investigate this information. I tried to contact them numerous of times and no respone.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, I cancelled my XXXX service because I switched to XXXX. On XX/XX/XXXX, I returned all of their equipment via XXXX. The XXXX tracking number is XXXX and it shows being signed for by a person at XXXX. Beginning XXXX, XXXX, and XX/XX/XXXX I was charged {$210.00} by XXXX. I contacted XXXX, they said I did not have an account with them. I disputed the charges with my Discover Card each time a charge for {$210.00} appeared. Each time it is taken off my account and then recharged. I have not had service with XXXX XXXX since XX/XX/XXXX. I have provided all documentation to Discover. Each month we go through the same thing and they keep charging me {$210.00}. This has been going on for six months.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NJ)

Someone has stole information that has allowed them to open accounts using my credit. I have open disputes on my credit report for these accounts already. The accounts that have been placed on my report are from power companies in Texas. I have lived in New Jersey my whole life and have never been to Texas. One of the disputes as already been resolved.
Consumer complaint received 2021-05-19
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. (NY)

Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts and inquiries be deleted from my credit file.
Consumer complaint received 2024-06-09
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. (IL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX ] - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission ).
Consumer complaint received 2024-07-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV INC. (CA)

California XXXX announced it was stopping the relationship with XXXX XXXX XXXX and would begin using Money Network in XXXX of XXXX I have received a total of 3 loads into the account ; one was for {$450.00} and the second was for {$900.00} and the most recent one ( which funded AFTER MoneyNetwork closed my card ) was for {$450.00}. Of those amounts, only the fist one was I able to obtain through the ATM. 

On XX/XX/XXXX, XXXX loaded {$900.00} onto the card. I went to a local XXXX XXXX XXXX ATM to remove money. It noted there was only {$31.00} in the same account that had received the XXXX XXXX dollars a few days prior. I immediately called the number on the back of the card and inquired about the missing funds. The staff person took down very little information, said they hoped they could help me but figured it would be a long time before they could find the money! Then, the staff person cancelled the card and told me another one would arrive in 2-3 WEEKS. What? I need that money NOW. Then, on XXXX, XXXX loaded {$450.00} into my account, but of course, I can not use it because the staff person cancelled my card. I have no way to access even the {$450.00} that is supposedly now in that account. 

I don't mind telling you that the discussion online about XXXX and MoneyNetwork is echoing the same issues. Everything seemed to work just fine with XXXX XXXX XXXXXXXX. Now, I have no idea how to obtain my funds. This has been a train-wreck of stress for someone who is now XXXX and just trying to collect XXXX  as is my right here in California.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (ME)

i have XXXX charges that were pulled from my bank ( XXXX XXXXXXXX XXXX ) for {$240.00} total XXXX. {$110.00} and XXXX. {$120.00} and XXXX {$0.00} i called my bank and told them what i saw and they said they could dispute it, after a couple days later i went to check on it and they said oh did noone call you, i said no, they said well because its considdered as a transaction we cant dispute it u will need to go though XXXX, so i called XXXX i told them about it, and they said ok we will open a dispute case, today i got the dispute case closed as it was ( authorized by me ) i call them back explained to them that again it wasnt me and need to speak with somone higher up as in a manager and so they took 23 min to transfer me to a manager just to say the same thing and then he hung up on me as he said there was nothing else he can do i called back, i aksed for manager again i get someone and they said beause it was authorized and already had a dispute case open and closed we cant reopen it! and proceded to hang up! on me im furious with this company
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-07-05
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. (CA)

To whom it may concern : I am a victim of identity theft and XXXX XXXX  
I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Transunion comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
Five fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX and XXXX  out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above Five items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized two Credit Cards in my lifetime, they are both from XXXX XXXX opened in XXXX, and those plus three auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the Five fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, Also attached is my XXXX XXXXXXXX by the XXXX  XXXX XXXX XXXX XXXX  years ago proving that I was an XXXX XXXX XXXX XXXX XXXX 
Please have Transunion comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Transunion. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-05
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. (CA)

To whom it may concern : I am a victim of identity theft and human trafficking.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Transunion comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was trafficked and smuggled out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX Credit Cards in my lifetime, they are both from XXXXXXXX XXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, Also attached is my XXXX XXXXXXXX by the Department XXXX XXXX XXXX XXXX years ago proving that I was an Asylee/Refugee and victim of trafficking. 
Please have Transunion comply with section XXXX of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Transunion.

I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed off a letter to XXXX about unauthorized inquiries reporting on my credit report on XX/XX/2024. I did not received anything back from them. I asked them to please remove the inquiries and to write me back a letter when they have been removed. they didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of XXXX XXXX XXXX explaining that they didn't have my written permission to include such information on my consumer report and the inquiries were unauthorized because they were in no benefit to me and I didn't submit any application to get any extensions of credit. I mailed that off certified mail which I can include a picture for proof of delivery. I have also done this same process with XXXX and Transunion. Attached I have proof that I have mailed all these credit reporting agencies twice and have received no response from any agency. I also have attached a letter I sent to XXXX informing them of the inaccuracies. I didn't include Transunion or XXXX 's letter because all I did was switch the credit reporting agency that was violating my consumer rights. 

I sent a second letter titled opportunity to cure giving XXXX a chance to redress the situation. The letter contained the same information in the first XXXX and I still did not receive written request. The day I mailed off the second letter was XX/XX/2024 certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. 

I am seeking monetary relief for {$2500.00} and this is a fraction of what is due to me due to the noncompliance, violations, and improper use of my credit. XXXX is sharing information that is inaccurate and unfair per 15 USC 1681a and they have effected my credit worthiness, credit standing, credit capacity, my character, and my general reputation as a consumer. Thanks for your immediate attention to this matter.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

First incident I called in XX/XX/year> or XXXX regarding an unauthorized charge to a merchant in XXXX for over {$200.00} to a shoe merchant online purchase and they advised to contact merchant and I did but merchant stated since they can not confirm who made the purchase I have to take it up with my bank and i did and nothing was done i chose to tskr it as a loss and move on. But then it happened again same merchant different charge months later and again I called and made a claim they said same thing called merchant anderchant said the same thing and chase did not protect me and did not address the issue I am in check systems why? I felt they owe me over XXXX but sent me to check systems over {$24.00}?? This is absurd