davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good day, On XX/XX/2020 XXXX and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to TransUnion, LLC ; XXXX, and XXXX  XXXX XXXX, XXXX, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to TransUnion, LLC, XXXX and, XXXX  XXXX XXXX, XXXX where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (GA)

Trident Access Management was sent a letter from me requesting debt validation for account # XXXX ; along with a contract between them and me. They returned a contract between an original creditor who never informed me that the debt nor my personal information was being sold. There is no contract with my signature on it between myself and them.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent several letters to TransUnion disputing the Fraud public records on my report, each time I send in a letter asking them how this was verified they refuse to comply and sends out a copy of my report. Twice in the month of XX/XX/2020, I have sent FTC reports and police reports about the fraud public records and each time they send me a copy of my report, BUT never show me their method of verification. I also gone a step further and reached out to XXXX this year in XXXX and they sent me a copy of my report with them with NO public records found. I also know US courts does not give information to 3rd party agencies. So when I filed my police report to show proof this was fraud Transunion again failed to properly investigates those inaccurate public records. I have also sent a letter to the Attorney General to file a civil lawsuit because Transunion refuse to review my police report and thoroughly dispute. I have reached out to every 3rd party agency such XXXX, XXXX, XXXX, XXXX and all shows no reporting of public records.
Consumer complaint received 2024-03-26
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-26
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AZ)

I submitted a complaint to the FDIC on XX/XX/2020 against Citibank. The FDIC issued me a letter stating they were referring the complaint to you. I called the CFPB on XX/XX/2020 since I had not received any correspondence in regards to my complaint, and the phone agent I spoke with told me you never received anything from the FDIC. I contacted the FDIC to inform them of this, and was told they submitted the complaint to you on XX/XX/2020. When I told the FDIC that you never received anything from them, they suggested I submit a new complaint directly with the CFPB, and attach their letter indicating they had forwarded the complaint to you. You may want to look into why this correspondence was never received by the CFPB. Here is the nature of my complaint : On XX/XX/2020, I wrote a check out of my XXXX XXXX Account XXXX account # XXXX XXXX for {$50.00}. The bank where the check was deposited issued the depositor a letter stating the check was returned unpaid. I received no correspondence from Citibank that this check was returned unpaid, nor the reason it was unpaid. I attempted three times to contact Citibank to find out why this occurred. Every time I called, the overseas phone agents kept me on hold for long periods of time, after which they said they needed to transfer my call somewhere else. After this, my call was disconnected each time. Since I was unable to obtain any information by phone, I wrote a letter to Citibank on XX/XX/2020 asking for an explanation. It has been nearly seven weeks since I sent this letter, and still have not received a response.
Consumer complaint received 2018-06-05
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. (MD)

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. Experian has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and XXXX has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High  Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America account got compromised for my unemployment had to cancel the card due to it being the unemployment card I am not able to access my money I've been told but their representative different stories they can wire my money but they can charge me and they said they can't and they say to tell me go into a branch of to be able to receive my money and like 30 miles away oh no I can't get my money this has been since XX/XX/XXXX but ordered a card on that day to replace it since then they have ordered me two more and I have not seen no money I have borrowed I've pawned pond everything I own I'm about to go to a grocery store and still food to have something to it eatdifferent stories I'm here by who I am multiple times and multiple people I love how many times I have to verify myself how many people I have to talk to you this is nonsense and this is think of America I'd given up they have made this a nightmare now I will not receive a card until next Thursday or the Monday after that not this coming Thursday next Thursday this is a nightmare
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Dear CFPB, I'm XXXX XXXX the owner of the property at XXXX XXXX XXXX, XXXX, CA XXXX. Please allow this letter as a complaint as well as seeking for help letter regarding my Mortgage # XXXX with Amerisave XXXX. I'm currently up to and always pay the mortgage on time. However, there is problem recently with the property tax that make me feel overwhelmed and over budget. When I first purchased the house, the lender estimated my property tax to be around {$6500.00} for the first year and it would only increase about 2 % every year if the market goes up ( this is protected by California Prop 13 ). They calculated my DTI using my debt at that time and the estimated Property tax, Property Insurance, Principal and Interest payment. The law requires them to to factor everything in so the borrower can pay the mortgage and keep the house in the long run. I the final disclosure that I signed at closing, the property tax is still estimated at around {$6500.00} and that is verified with the county and appraisal. However, as long as I purchased the property, there is a substantial amount of increase in property tax that make it way over my budget. I understand that estimate can be wrong, however, there must be a margin of error at 10 % by the law so that even if it's wrong, the owner can still afford it. In this case, the new property tax is {$13000.00} which is almost double the amount that they estimated to factor in for the debt to income ratio. This make the debt to income ratio to be over 90 %. Now that I called them and they denied their fault when process the loan. They could have just denied the mortgage at that time, and advised me to find a cheaper house. They tricked me in the mortgage with cheap payment monthly, and now when their estimated number is wrong, they refused to help. Could you please help me with this? 

I have attached the Final Disclosure I signed at closing for your reference. 

Thank you.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

Suntrust admits to being paid and never updating my payment history to the credit agencies. My insurance company paid suntust over XXXX XXXX dollars back in 2018. Instead of updating my account balance they chose to keep reporting the full XXXX balance as if the car was never paid on. Now that the balance has been updated after years, they refuse to update my payment history which is 35 % of my credit score. Or at least delete this account from my credit report since they know its inaccurate. They have stressed me out during both of my pregnancies with their inconsistent reporting and I would just like to be free.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in   XXXX  , this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (WA)

My name is  XXXX   XXXX . DOB  XXXX  ;  SSN   XXXX . I 've been diagnosed with   XXXX    XXXX  on  XXXX   XXXX ,  XXXX , and have been an SSI recipient all my adult life.     My mother,  XXXX   XXXX   XXXX , DOB  XXXX  ; SSN  XXXX , has been my rep-payee until I got married to  XXXX  on  XXXX / XXXX / XXXX , and she used to own accounts under my name, in effect stealing my SSI funds.  XXXX  got me a TRO against her, which later got dismissed.     I went to SSA on  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX , and  XXXX   XXXX  got me a   XXXX   XXXX    XXXX , #  XXXX   XXXX   XXXX   XXXX , expiry date  XXXX .  XXXX  got ahold of it and stole my SSI deposit on  XXXX / XXXX / XXXX . I had to call for a replacement card.     When I called Direct Express to change my address to my current one in  XXXX , WA, I was told to fax  XXXX  pieces of ID to  XXXX   XXXX . Then I was told that they could n't read it at all. All of the sudden they cleared the account but did NOT update my address.     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  stole {$620.00} out of my {$660.00} SSI direct deposit, again. When I called DE they were rude to me, especially a customer service rep named  XXXX , and hung up the phone on me when I requested to update my phone number and mailing address.
Consumer complaint received 2024-03-26
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. (MA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}
Consumer complaint received 2021-01-03
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. (IL)

Happy XX/XX/XXXX For 3 consecutive months in a row, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I have sent and mailed letters to the credit Bureaus to help either verity or remove some items I did not recognize as mine. They violated the law 3 times in a row and now I am seeking judgment. XXXX, Transunion as well as XXXX. My letters spell out the law clear and it is not confusing. 

Everything I sent was certified mail and they have received every one of my documents.

No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

There was unusual purchase in XXXX XXXX that I didn't make that kept showing up on my account I called like XXXX times an it continued to happened still hasn't been solved just refunds but my account somehow is still being charged ....
Consumer complaint received 2020-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

hi, i made 2 mortgage payments on XX/XX/2020 at local branch of 5th/3rd bank i have had the same problem at this branch 5-6 years ago. i paid with 2 separate checks and submitted 2 separate monthly statements. ( accts # XXXX and XXXX ) the one acct was credited twice and the other acct shows a missed payment!!!! i went to branch and the clerk the made the mistake said he couldn't do anything but would send the info off to who knows where.anyway 3 weeks later i am getting collection calls and i got some email alert about my credit score NO FOLLOW UP, NO SORRY FOR MIX UP, LATE FEES YOU BET WHAT A bank i hope to here from cfpb. what we need is a bigger and stronger CFPB not smaller thanks XXXX XXXX
Consumer complaint received 2023-03-10
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: DISCOVER BANK (FL)

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX Breach, My name, social, drivers license, emails, phone and 1 bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. 

I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian : 1 ) XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-30
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: College Ave Student Loan Servicing, LLC (MA)

On XX/XX/2021 COLLEGE AVEXXXX my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Consumer complaint received 2022-12-30
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00}