davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have been trying to resolve this issue with them for several years now and the companies actions with closure of the account didn't correlate to what was discussed on countless occasions. Nor does it correlate or match with the amount of the transactions that was in question or anything promised. I called the company initially when I saw the account closed to figure out what happened to the funds that were frozen in the account. They said they sent a letter explaining their decision and I would receive in the mail within a few business days. Initially my identity was stolen and my account was hacked into and had several unauthorized transactions occur which resulted in roughly {$5000.00} to be withheld in the account. The company had stated that the funds which were left in the account would be reinstated to the rightful owner who they came to a decision and the amount of loss I suffered through this account being compromised was just over the value of {$7500.00}. The transaction that was being questioned essentially was amounting to {$5000.00} so they said it would either be returned to the sender or it would be issued to me in a check. However when the account was closed the provided no information on their decision and issued me a check for the amount of {$2400.00} which makes absolutely no sense that's not even half of the value that was owed and there was no explanation for the decision as they had promised I would receive in that letter.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (FL)

I signed up for a chime account in XX/XX/2022, the promotional terms I signed up under stated that I would receive {$250.00} in XXXX after meeting the deposit requirements. I completed all requirements, depositing {$200.00} within the 30 days of opening the account. According to the promotional terms I should have had the {$250.00} credited 70 days after the qualifying deposit. It has been 100+ days and I have not received the deposit. I contacted customer support to inquire and was asked to provide proof of my compliance in the form of screenshots of my qualifying deposit, email from the chime application, and my chime enrollment email. I responded with all the requested documents. Customer support then claimed that they " have not found adequate support to conclude the transaction was completed in accordance with all required terms and conditions '', noting that this was their " final response. ''
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I requested a wire transfer for {$7800.00} from my savings account at XXXX to Bank of America XXXX XXXX, XXXX XXXX, NY. For some reason the wire transfer was rejected by BoA and reason was an error on the receiving account number. But instead of returning back the full amount, they deducted {$45.00} and send back {$7800.00}. I thought its not right to charge {$45.00} on a rejected transfer, it is an exagration. I would like BoA to refund my money.
Consumer complaint received 2023-07-27
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. (MS)

I BEEN CONTACTING XXXX AND EQUIFAX ABOUT THESE FRAUD ACCOUNTS FOR 5 MONTHS. I SENT IN POLICE REPORT AND FTC REPORT AND THEY STILL DIDNT REMOVE THESE ACCOUNTS. ( XXXX ) XXXX XXXX EMPLOYEES ( XXXX ) XXXX XXXX EMPLOYEES ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXX  XXXX  ( XXXX ) XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M/I Homes, Inc. (TX)

My fiance and I initiated an offer to buy a home from MI Homes in XX/XX/XXXX. At this time we were told that the construction would be completed later in the year and that there were not options for rate locks at that time. We received infrequent construction updates and in XX/XX/XXXX, we inquired about a rate lock with MI Financial, the in-house financing arm for MI Homes . We received confirmation of different rate lock options ( attachment 1 ) and the individual at MI Homes assured us that both options ( 120 or 180 day ) would take us through our closing date based on the conversation that MI Homes had with MI Financial. I went through the process on XX/XX/XXXX for a change in circumstance notice ( attachment 2 ) and paid {$5700.00} for the rate lock at that time. In XXXX, I reach out to MI Homes about an update on the construction timeline, and they inform me that construction would take us through mid XX/XX/XXXX ( attachment XXXX ). This materially change our timeline expectation based on our previous discussion with MI Financial that assured us a 120 day rate lock would be sufficient. After some back and forth, a VP at MI Homes reaches out and explains ( attachment 4 ) that mistakes were made in MI 's process and says " Lastly, if you determine none of the above will work, we will certainly return your deposits and terminate the transaction. This is not the outcome we want but understand your position if that is what you determine is best for you and XXXX. '' We ended up terminating the transaction and MI Homes refunded our deposits back to us. The MI Financial branch manager was CC 'd on this email and as part of the phone discussion, I was assured that all of the deposits in this case to be refunded included the {$5700.00} for the incorrect rate lock. I have sent continuing correspondence to get this money returned to me, but have not received any contact from MI Financial and now I am turning to the CFPB since I feel I am entitled to my own money back and that the original rate lock was made on deceptive and false pretenses about assurances of the rate lock time period being appropriate to cover the construction when MI Homes later came back and stated unequivocally that that time was never the official estimate of the construction.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Case ID XXXX XXXX Disputed amount : {$240.00} XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX reported : XX/XX/2022 I was approached in XXXX XXXXXXXX by a person XXXX XXXX who represented himself XXXX XXXX XXXX representative. He instructed me on how to purchase a computer I wanted on XXXX He instructed me to pay through PayPal friends and family. He scammed me and I never received the computer. Paypal won't help me because it was sent through friends and family. He instructed me to do so. I wasn't aware that it was against PayPals rules to purchase that way. I was scammed and PayPal won't reimburse me and my XXXX XXXX is using the same reason not to refund me. I do not know the merchant. He is not even in the XXXX. Please help. Thank you. XXXX XXXX
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require )., I found that under section 605b ( a ) ( Bureau ) 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 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove this account. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-02
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to EXPERIAN, XXXX, XXXX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Hi, I recently requested the banckupcy be removed from my credit report and you haven't done so. It's quiete simple if you are reporting information that is erroneous or flawed you " HAVE '' to remove it's just as simple as that. 

I am a XXXX XXXXXXXX veteran with ; XXXX XXXX XXXX, XXXX XXXX and many more health issues too many to mention here. You need to do the right thing and remove the false and inaccurate information on my credit file ; it's not my address. 

Delete it ....
Consumer complaint received 2022-11-02
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (OH)

The following fraud chargers were mad on our account when our account balance was XXXX XXXX We have not made these charges and should not be responsible for any of this. 

XX/XX/2022 Interest Charge On Purchases {$4.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 XXXX XXXXXXXX XXXX {$100.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$70.00} Fees XX/XX/2022 FOREIGN CURRENCY FEE XXXX XX/XX/2022 FOREIGN CURRENCY FEE XXXX TOTAL FEES FOR THIS PERIOD {$5.00} I was told that the account would be closed and investigated but the account still remains open and active. 

Now they are stating " We will let the national credit reporting agencies know that we closed your account. You will continue to receive billing statements every month until your remaining balance is paid in full. Currently, your balance is {$72.00}. '' This is from " LATE FEES '' on FRAUD charges are we DO NOT owe this ... .you can't even get through to anyone on their phone lines
Consumer complaint received 2022-11-02
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. (TX)

XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX Balance I t look as tho XXXX has resolved their debt and need to be off my credit report.
Consumer complaint received 2022-11-02
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. (TX)

XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX XXXX I t look as tho XXXX has resolved their debt and need to be off my credit report.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (WA)

I closed my Indigo card account in XXXX. Completely paid off the card. when the card was closed, that should have meant no more transactions. I was told the card is closed and to destroy it. I did. Since then, I had XXXX unauthorized transactions from XXXX different company. I called Indigo and was told my account is closed and they were trying to figure out why I am still being billed for some auto pays that I am being double bill for. Since XXXX of the auto pay is my virus protection, I agreed to pay for the charge and was promised nothing else will be billed to me. 
Well, that didnt happen, I am steadily being billed and it seems the customer service rep cant do anything but lie to me about the closed account. I thought closed meant closed. I want this account shutdown completely with a {$0.00} balance as it was back in XXXX. Indigo doesnt know what close meant.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the XXXX day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well.
Consumer complaint received 2019-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Smoky Management, LLC (TX)

Tried making payments and something happened that they didnt take anymore payments. Now almost 8yrs later they calling me after i had my credit cleaned up and brought a home. They called me like the were the county of XXXX and had something for me it was really a collection company and gave wrong SS # first.
Consumer complaint received 2022-11-02
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. (SC)

XX/XX/2022 I received a Equifax response regarding another compliant about four inquiries. The inquiries were removed and put back on my credit report without notifing me in writing. C.F.P.B please take a look at the compliant number XXXX. This complaint response from Equifax state that the inquiries do not appear on my credit report. Today I receive a respond that two of the four inquiries will remain on my credit report. Eqiufax is violating consumer laws. The agents are continually filing false claims. I have attached my credit reports and compliant XXXX clearly states that these four inquiries were not on my credit file. Now Equifax state that two out of the four inquiries will remain on my credit. I attached proof on the the compliants that I mention above. This is the fourth compliant about these inquiries.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (VA)

There was a derogatory remark filed by Sunrise credit service INC on my credit report which was false report. When I went on call, they told me that it was requested by XXXX  and when I called XXXX then they told me that I don't owe them anything and they will be reaching out to Sunrise credit service INC for same. I'm filing this complain on why on first hand sunrise credit service INC put that derogatory remark on my credit report when there is no money that I owe to XXXX. Sunrise credit services INC should have verified it with XXXX before doing so whether if there is any amount that is owed to them. It drastically affected my credit history and I want to make sure that sunrise credit services INC is held accountable for that.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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