davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-03
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. (MA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2018-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

XXXX XX/XX/XXXX. I closed on my new home the mortgage company was XXXX XXXX. I made my first payment to XXXX XXXX and then the loan was immediately sold to Mr. Cooper ( XXXX XXXX ). I proceeded to make each payment to Mr. Cooper and they have records to show each payment. 

Around XXXX XX/XX/XXXX, started receiving late payment notices from Mr. Cooper. I call Mr. Cooper several time to resolve this each time getting a different person and having to start from the beginning. 

One customer service person did try to stick with me and fix the problem because like every person that I spoke to at Mr. Cooper they said this made to sense. 

She figure out that Mr. Cooper didn't receive the first payment from XXXX XXXX  and that they need to get those funds transferred. XXXX finally sent the Principal but not the escrow. Mr. Cooper knows that the problem is between them and the company that they bought the loan from, but they still threatens me with foreclosure. messed up my credit and will not take my payment for the month of XXXX without penalizing me with fees. 

I don't appreciate they way that they are treating me, they know it not my fault. This is the 3rd home that I have owned and never has been late on my Mortgage, And even now I feel that I am being extorted for extra cash, because they don't have to answer to nobody and they know the fault is withe Mr. Cooper and XXXX XXXX.
Consumer complaint received 2024-06-03
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)

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 
You have broken law 15 US code1666 ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

showing proof of the elleged late payment on my report which violated my consumer rights. 




THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX XXXX XXXX Bank ( XXXX ) ( XX/XX/year> ) Per Federal and my states reporting laws, you MUST XXXX and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!
Consumer complaint received 2022-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have had an active Kohls credit card for years. I have used it and typically pay the balance in full. Over the years I have missed payments because I forgot to pay before the deadline or missed the statement ( in my defense Kohls sends so many emails ). In the past I have paid a late fee or interest but nothing had ever been reported a credit agency. On XX/XX/XXXX, I made a purchase using my Kohls credit in the amount of {$1.00}. This was first recorded on the XXXX statement with a due date on XX/XX/XXXX. I did not see the statement and it was again reported on the XXXX statement with a due date on XX/XX/XXXX. I again did not see the statement. I received an email of a missed payment on XX/XX/XXXX and promptly paid the balance. 

At the beginning of XXXX I pulled a credit report and my scores dropped by almost XXXX points and upon inspection it was because Kohls reported a delinquent balance. I acknowledge the payment was delinquent. But, I am confused why they decided to report that one and not prior missed payments. This is not the first time I have been two months late, but its the first time the balance was so low that they were unable to charge the {$25.00} late fee or significant interest. I assumed that based on our course of business there would be no further issues. However, I was wrong because they couldnt extract more money from me. In my opinion that is a predatory practice. 

I called Kohls and attempt to resolve the issue. The customer service agents were limited in their ability to do anything other than submit a request. I received a letter in a couple of weeks but all it said was there were no errors. I still am trying to figure out why they report items inconsistently. I agree that accurate reporting is necessary under our credit system. However, transparency and information asymmetries are also huge issues. Creditors should not be able to inconsistently report delinquent payments during the course of a relationship. Kohls coerces people into using the their proprietary credit card to access coupons or discounts. Baits consumers by providing leniency when they can extract fees or interest but then slams users when they can not. There is no worse feeling than having your credit wrecked over {$1.00}.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

4 unauthorized transactions via a debit card occurred on XX/XX/2022 totaling {$1500.00} This was reported on XX/XX/2022. 
Chime states that Regulation E indicates that these transactions do not qualify for a provisional credit. This is incorrect, and a violation of 12 CFR Part 1005 ( Regulation E ) as the transactions were unauthorized point of sale transfers. Chime has not responded to my most recent support request dated XX/XX/2022 ( one month after these transactions were reported ) requesting that a provisional credit be issued in accordance with Regulation E.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (NY)

I have a closed account with XXXX XXXX They have reported false late payments. I have asked XXXX, Equifax and XXXX to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with XXXX but reported I was on time with XXXX and Equifax. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of information
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (PA)

In a previous complaint, CFPB # XXXX, I alerted the agency that Equifax was not acting in a lawful and competent manner in dealing with an identity theft complaint. The company - naturally - responded that they'd need 60 days to respond to the properly and lawfully submitted complaint but gave no valid reason as to why they needed to further violate the four business day timeframe for blocking as provided in FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Credit Reporting Bureau XXXX had been served with the same documents as XXXX and Equifax and promptly and lawfully blocked the information as provided by FCRA 605B ( 15 U.S.C. 1681c-2 ) on XX/XX/year>. This block was submitted by XXXX to XXXX and Equifax through their information sharing. 

Equifax appeared to have removed all information as of XX/XX/XXXX from information gained from XXXX XXXX. The company, however, had not given specifics of their investigation other than " dispute completed '' appearing in the Dispute Center of myEquifax. 

As of XX/XX/year> Equifax is now reporting the previously deleted/blocked information again, violating my legal rights and causing undue financial hardship. I've been forced to resubmit a dispute again to their website. Equifax appears to be taking retaliatory and discriminatory action against me for the lawful filing of complaints for their flagrant and egregious violations of the law. 

Accordingly, this updated complaint is being filed and I will be seeking damages from Equifax Information Services, XXXX.
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: KEYCORP (NY)

On XX/XX/2010 I went to key bank and purchased my bank check {$5300.00} for our mortgage, as I had for many months.Because our farm was in foreclosure, the mortgage holder did not accept our payment.At the time I assumed my husband had taken it back to the bank to cashed or deposited it.He was not in good health and he passed shortly after we lost our farm.In the process of one of my moves I found the check in an envelope in his desk.I took it back to the bank to see how cash it out.The bank manager looked into it and because there was no time deadline and I was the actual remitter I could deposit it into my acct with out a problem.I gave them cash to purchase the check.It bounced in my acct a few days later and they ended up closing my acct because I couldnt make good on the check and put me in XXXX XXXXAfter going through many departments of the key bank they told me that the teller had not filed the correct paperwork when I bought the check so since they cant locate it all that I could not redeem my check, with an apology.Im not sure how this is my fault or loss, Ive been to the Attorney Generals office, they referred me to CAU they put a case together with a complaint file # XXXX that they forwarded to your office with an email referring me to you.Now I know that this is an old case but not because I havent tried, I was under the assumption I had no place to go with this.Im living on ss widows pension, and the cash I gave key bank for the check that never got cashed is floating around collecting interest in key bank somewhere.They sent me back a copy of the check with a stamp across it that says-refer to maker? On top of it Im still using another key bank account to get my ss check deposited into every month because I cant go to another bank Im in XXXX XXXX ( humiliating ) Sorry for the book I wrote in regards to this problem.Your company is kinda the end of a long rode.I just want the money I put out and interest would be a bonus, plus the inconvenience and embarrassment when I attempted to write a check in a public place.Hoping you can be of some help-Constance XXXX XXXX. Email- XXXX. XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In a previous complaint, CFPB # XXXX, I alerted the agency that TransUnion was not acting in a lawful and competent manner in dealing with an identity theft complaint. The company - naturally - responded that they'd need 60 days to respond to the properly and lawfully submitted complaint but gave no valid reason as to why they needed to further violate the XXXX business day timeframe for blocking as provided in FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Credit Reporting Bureau XXXX had been served with the same documents as TransUnion and XXXX and promptly and lawfully blocked the information as provided by FCRA 605B ( 15 U.S.C. 1681c-2 ) on XX/XX/year>. This block was submitted by XXXX to TransUnion and XXXX through their information sharing. 

On XX/XX/year> TransUnion sent an updated " secure email '' and credit report that the fraudulent items were removed. However, on XX/XX/year> I received a canned letter via US Mail showing TransUnion WOULD NOT comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) without showing a valid, legal, or specific reason. 

As of XX/XX/year> TransUnion is now reporting the previously deleted/blocked information again, violating my legal rights and causing undue financial hardship. When trying to use the website indicated ( service.transunion.com ) I am still unable to access my report, change fraud alert or security freeze status, or dispute inaccurate information. TransUnion appears to be taking retaliatory and discriminatory action against me for the lawful filing of complaints for their flagrant and egregious violations of the law. 

Accordingly, this updated complaint is being filed and I will be seeking damages from TransUnion, LLC.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

My Citibank AAdvantage credit card was cancelled by Citibank in XX/XX/XXXX, for the stated reason : " Canceled at Customer Request ''. I made no such request, and I only became aware of this through my credit report. The card had been active since XXXX and the payment record was excellent. Due to mail forwarding to my temporary address, a replacement card was not be delivered. I initiated a request in late XXXX or in XX/XX/XXXX for another replacement card to be mailed to the correct address. It also never arrived. The only activity on the card over the last year+ ( due to my inability to receive a valid replacement card ), was the {$50.00} annual fee, which I last remitted in XX/XX/XXXX. 

I filed a dispute with a credit reporting agency concerning this. It was " resolved '', merely restating the account was closed at customer request. Today, XX/XX/XXXX, I contacted Citibank for resolution. That was unsuccessful. I was informed that their " system '' would not allow them to reopen the account, and that I could apply for a new card. 

This seems grossly unfair to me for four reasons. First, I never received a valid replacement card despite my request for such, and their assurance I would receive it. Second, the status of the account, i.e. " Canceled at Customer Request '', is inaccurate. I never made such a request. Third, XXXX month after they canceled my account, I received notice that my annual fee was due, causing me to pay an annual fee for a card I was unable to use for more than a year ( their inability to provide a valid replacement card ), and which had already been canceled without my knowledge a month prior to paying the annual fee. Fourth, opening a new account, as the representative suggested, would mean the loss of over 20 years of credit history for this card.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, 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. (IL)

I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

XXXX Unauthorized Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX Transunion Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have been in a long battle with my landlord who was stealing my mail, and inevitably apparently stealing my identity in the process. After reporting the incident to the XXXX XXXX XXXX XXXX, Office of Inspector General, and XXXX Police Department I then alerted the credit bureaus of my change of address AND information that was incorrect on the report and needed to be blocked pursuant to 15 U.S. Code 1681c2.

I attempted to upload the documents to Equifax but their online system gave an error that I wasnt eligible to upload documents. I then called their Consumer Relations department on XX/XX/2024 and spoke with a representative, XXXX, who recommended that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as a Police Report to remove the fraudulent accounts. 

These documents were sent at my expense- despite the fact that any other consumer could upload the documents for free - via XXXX Mail with Tracking XXXX and delivered XX/XX/2024 at XXXX. 

Equifax does not appear to be taking prompt action within the timeframes set for blocking of information. Additionally, despite removing OTHER items that were reported as XXXX by XXXX to them, they are not taking action to the items now that XXXX has deemed them all fraudulent and worthy of blocking under 15 U.S. Code 1681c2. 

XXXX continued incompetence in this matter is creating undue damages and financial hardship. 

Attachments included are all documents referenced in this narrative.