davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (TX)

I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( XXXX ) appropriate proof of the Identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE REPORT.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

It has been a whole year and no relief so my issue is with XXXX, Equifax, and XXXX with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of 2022. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by Equifax, XXXX, and XXXX reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a XXXX  and a consumer, I should be treated fairly, as should anyone any consumer any American.
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Got a call supposedly from Bank of America that someone was trying to send a XXXX for {$1400.00} from my account. They transferred me to XXXX which was supposedly the XXXX XXXX department. They ask me to create a contact and gave me a code to supposedly cancel the {$1400.00} transfer but the code was an amount to transfer money. Fortunately, I realized that and called the bank and they confirm that it was a scam. 
I contacted them back and they were laughing because they said that there is nothing thw authorities can do, I hope they are wring and that no one else falls a victim of this scam,
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I filed bankruptcy and it was discharged on XX/XX/2017. I signed up on XXXX XXXX and while looking around this ad from capital one pops up stating apply to help improve credit score with a {$300.00} credit limit. I 'm thinking ok ... I can use this and applied. Received card and tried to activate. A prompt came up tht there had been fraudulent activity and I had to speak to a customer rep. I 'm thinking how is tht possible since I had just applied and received card. Well this lady came on phone and stated she had to verify my information. I said I 'm confused because the card had not been activated so how is fraud possible. She said there is no fraud we just need u to verify some info so I will put u on hold so I can look up some public record info ... at b this time I 'm really confused so she comes back on and states I need to send additional info like drivers license ss card and utility bill. I asked was this because I filed bankruptcy and she stated yes so I told her u can keep the card and close the account. My issue is I feel somewhat discriminated against. If u are putting your ad on XXXX XXXX to help reestablish your credit what do u expect. Needless to say they wo n't receive my business.
Consumer complaint received 2021-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Developers Mortgage Company (TX)

Step 1 : What is the complaint about? This complaint is about a mortgage company that systematically delayed getting our mortgage approved in order to get more money out of me and my wife.

Step 2 : What type of problem are you having ( had )? A crooked mortgage company that was trying to fleece us for {$50000.00} in closing costs on a {$300000.00} home.

Step 3 : What happened? In XX/XX/2020, we hired the following company to assist us with a FHA loan : XXXX XXXX, Loan Originator, Developer 's Mortgage XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, TX XXXX, XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. This company intentionally delayed the approval of our mortgage in hopes of getting more money out of us at closing. Here 's what happened. I am a veteran, who when I first contacted this company wanted a VA loan, however, it was discovered that I could not do VA on this particular house so in XXXX we opted for a FHA loan. Now, prior to this the mortgage company was saying that to qualify with the lender better, it would behoove us to sell our we lived in, and that would reflect one less debt. After 8 weeks of delay after delay and being out of over {$12000.00} in hotel bills because they drug their feet on the approval, we fired them, hired another company that got it done is 3.5 weeks. When this company presented us with docs prior to closing the wanted {$30000.00} and they were the underwriter was asking for some of the same docs we had given them over and over again. We walked away from them, found another mortgage company who only wanted {$17000.00} at closing and was able to close us in 4 weeks. That {$30000.00} they wanted was 76 % higher than what the mortgage company we went with wanted.

When we saw such a huge difference in closing costs between the two companies and started thinking about how they had one delay in approving us after another, we began to wonder if they were trying to fleece us for additional money or if they were violating some kind of mortgage laws that we are unaware of. That is why we are contacting you because if they did it to us they have probably done it before, and I have the docs to prove it. And the way they delayed us was by asking for the same information over and over again. It was ridiculous! I've never seen anything like it and this is my 3rd home owning. Unbelievable!!!!!!!
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: EQUIFAX, INC. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 'S XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Consumer complaint received 2024-04-02
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.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 an account without my written instruction.
Consumer complaint received 2023-07-07
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. (TX)

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. 
Below I have provided the inquiries from each credit bureau. 

Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (FL)

Hi my Name is XXXX XXXX and my XXXX XXXXXXXX in XXXX in XXXX I was offered a forbearance for Covid after that Mr. Cooper refused any payments and tripled my payment amount and wanted a lump sum of XXXX $ would not take partial payments it went from XXXX $ to XXXX $ the house was in probate till XXXX so I could not get insurance until house was in my name could do nothing to change anything they put Forcloser on hold but now I am trying to do a loan modification it was a XXXX $ loan that had been done in XXXX by my Mom I paid it down to XXXX $ until Covid hit then twice they raised amount and would not accept any less money My Income is XXXX $ a month so XXXX $ I could handle but now they want XXXX $ a month I only get XXXX $ a month on XXXX Payments a Month try still refuse to take any amount of money and now there saying I owe over XXXX $ I am so upset and confused how they could do this to me
Consumer complaint received 2023-09-11
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. (IN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX and capital one is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, capital one and the creditors reporting collections/Charge-Offs, other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved. i am opting out of my your reporting services.
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BOEING EMPLOYEES CREDIT UNION (OR)

My car got repossessed due to hardship as a student, I attempted to get assistance over 9 times, placed on hold or was disconnected, the car was taken with my belonging inside, i am completely lost and have no car to go to work, to pay for school, food or rent. 

When initially purchase with help of my parents, i put down {$6000.00}. I now feel I had lost a safety net for college.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX 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.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been banking with Truist for over a year now. This is the second or fourth time this has happened. I've had issues with them and handling my money and assets. I went into the local bank and spoke with the bankers no justice. I disputed the charges and they investigated and they sent me a letter from the Truist Enterprise Fraud Management and the letter states are unable to credit my money back to my account. We have problem. The amount that was unauthorized from my account was XXXX. I am definitely going to contact some legal advice.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

Original Citi credit card hit with fraudulent charges. Citi reissues card, but before I even active it, Citi advises that the replacement card has been hit with fraudulent charges. They issued a second card, and then a third card, which has now been hit with a fraudulent charge as well. Feels like this is an internal Citi issue...? How else could we have been hit with fraudulent charges before the card was even activated? How could three replacement cards be hacked inside of one month? Citi makes it next to impossible to get answers. I spent a good XXXX hours on this, and now the 3rd placement has been compromised and needs replaced. A lot of time spent with no answers on how this keeps happening.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been having constant issues with Truist bank. I send money to my family in Illinois and whenever I am up on my XXXX limit, I try to use XXXX XXXX or XXXX XXXX. For the longest time Truist assumed its not me despite me calling them numerous times and confirming that it is me. As a result they have frozen my accounts and I can not access my money
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : 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 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AL)

We received a vehcile from U.S auto sales, in that time period we paid every single payment. The interest they charged us was Beyond ridiculous on top of that, they kept saying we owed more than what we did. Our vehicle had issues of turning off even when we paid our payment, through a device GPS tracker. Our vehcile got repossessed over night, because we couldnt pay all the extra they said we owed. Now its being auctioned.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called XXXX, Transunion and XXXX as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.
Consumer complaint received 2023-04-22
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. (PA)

Fraudulent accounts and inquiries appearing on credit report. 

XXXX. XXXX XXXX XXXX XXXX {$340.00} XXXX. XXXX XXXX XXXX {$360.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX {$340.00} Inquiries XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent accounts and inquiries appearing on credit report. 

XXXX. XXXX XXXX XXXX Co {$340.00} XXXX. XXXX XXXX XXXX {$360.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX {$340.00} Inquiries XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I bought a house XXXX IL. XXXX In XX/XX/XXXX. My close was owned by XXXX, Then XXXX in XXXX. I refi- with Bank america XXXX. XX/XX/XXXX i receive a call from Bank America and I was told we are going to take your house. So XXXX Bank America transferred me to XXXX and XXXX for foreclose. XXXX house broken into identity thief with my home owners insurance. fraud foreclose papers blacken out and Bank America report to the credit bureau I never a payment. House taken away.
Consumer complaint received 2023-06-23
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. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WV)

I have attempted to have this account updated with XXXX, but they are still incorrectly reporting this loan. Although I filed for bankruptcy in XXXX, this auto loan was paid in full instead of being excused in that filing and I own the title for that vehicle free and clear from Chase as of XX/XX/XXXX. 
JPMCB AUTO Account number XXXX I have attached my title and lien release for that vehicle from chase when it was paid off.