davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX {$1500.00} UNAUTHORIZED INQUIRIES : 1. XXXX XX/XX/2022 2. XXXX XXXX XXXX  XX/XX/2022 3. XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XX/XX/2022 6. XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-14
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: Experian Information Solutions Inc. (NC)

As XX/XX/2018 I check my XXXX XXXX account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my Experian profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION (NC)

I have 2 residential loans with Truist for the same exact amount, same interest rate, and granted at the same moment in time. They each are secured by each side of a duplex at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. For 18 years the payment amounts were exactly the same. ******But with the latest interest rate change the payment amounts are different by XXXX cent. When I called to find out why, the Truist mortgage person said that loan ending XXXX was slightly higher because it had had an insurance policy forced slammed against it for a short time before it was removed. I corrected that issue with a prior CFPB complaint XXXX, but apparently there is a computer error in determining the monthly payment of the loan ending XXXX. ****This needs to be corrected so that both loans are exactly the same, and the payment is exactly the same. If I didn't have exact loans, I would not have known that Truist was overcharging me. Truist might be doing the same thing to thousands of its other borrowers. Here are the loan numbers, the balance as of XXXX and the monthly payment by auto draft : loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. The other loan XXXX ; balance due {$320000.00} ; monthly payment {$3300.00}. ****I realize that XXXX XXXX seems like a trifle but I'm concerned that a computer determining payments for identical loans reaches 2 separate amounts.
Consumer complaint received 2023-11-03
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-11-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1 ) Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX these accounts have 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (GA)

I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX, my wife and I have been using our TD Bank accounts for direct deposit by our employers, and for about five years, we have also used TD for almost all our transactions. Still, recently, we had a very disappointing experience with TD : On XX/XX/2023, we could use neither of our accounts. 
On XX/XX/XXXX, we went to a TD branch to find the reason. We were told all our accounts were closed by TDs demarketing office and that we would receive a check soon, but they could not tell us why. 
On XX/XX/XXXX, we received letters ( issued on XX/XX/XXXX ) stating our accounts ( including our credit account ) were closed, not explaining the reason. 
On XX/XX/XXXX, TD opened new savings & credit accounts for us. 
On XX/XX/XXXX, we received checks for all our closed accounts. 
On XX/XX/XXXX, after our multiple follow-ups, TD demarketing office called us and said the reason was we had not updated them on identification documents, but now our profile appears fixed and ok. [ Fake claim ; I had never received a notification on the required ID document update, but my wife had received such a notification and had addressed it by walking into a branch in person and resubmitting IDs. ] Despite they caused the closure of our accounts for unclear reasons, and no timely notification, they were unable to guide us on who should repair our credit hit ( due to our credit account closure ). 

Our main expectation is that " TD follows and repairs our credit '' As secondary concerns, we still expect : 1. To know the clear reason ( s ) that TD closed our accounts.

2. To know why after account closure, TD agreed to reopen new accounts for us if TD had a solid reason to close our accounts ( you can see in the notification letter we have determined that we can no longer renew or offer you any new accounts and/or services in the future. ) 3. To know why TD did not use faster notification services like email or special mail.

4. Compensation for the time and troubles we had with our pending payments.
Consumer complaint received 2022-11-09
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct 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 a account without my written instructions
Consumer complaint received 2024-03-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

I am writing to dispute the accuracy of information that's on my credit report, According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (IL)

usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose XXXX credit card, New Rez Shellpoint late fees
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

I did not give NATIONAL CREDIT ADJUSTERS XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

NATIONAL CREDIT ADJUSTERS XXXX, XXXX and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give NATIONAL CREDIT ADJUSTERS XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with NATIONAL CREDIT ADJUSTERS XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with XXXX and XXXX who are allowing NATIONAL CREDIT ADJUSTERS XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX and XXXX.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023 I deposit a check on my Chase bank checking and they put a hold on my account. I had {$100.00} on my checking account before I deposit the check. On XX/XX/2023 I decided on doing my laundry however Chase bank account was put on restriction. I called them and ask why? And they told me that because I deposit a {$5600.00} and they still need to get it verified. So I ask why would they restrict the whole amount. Asking if I can just use {$100.00} to do my laundry. They still keep bringing up the {$5600.00}. The person wanted to talk to the owner of the check they said theres not enough info about the check. I told them not to worry about the check not right now and just give me {$100.00} so I can do my laundry. They told me my account was restricted because of the check. The conversation was just going in circle to the point I just got irritated. They told me theyre giving me a red flag and hang.up. I called again. Ask me if I didnt want the {$5600.00} and they need to talk to the colleagues. I ask the same question how is the check {$5600.00} have something to do with my {$100.00}. They told me I shouldnt ask that question and they would hang.up on me. Which they did. I called again. This time it was a female. She clearly explained it to me. She told me that I can go to the branch and get {$100.00} to show them my I.D . And card. Also, the banker told me to call the bank owner and tell them to cancel the check. also, she ask if she can get the telephone number of the owners check. Which I also did. And then they said they cant call the owner because the phone number is not in the business. I told them that I was really disappointed about the transaction and planning on closing the account in chase because I am paying {$5.00} every month so I can have an easy banking. The banker then told me that if I dont cancel the check they will keep the money and charge me with fees.So I did what she told me. The owner of the check told me the money was already taken out from the bank and they cant cancel it. ( XXXX XXXX ). Also, went to the chase branch And the banker told me the account is still restricted. As of today, its been 1 week the funds are already available to my account however the bank still restricted my account.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Issue # XXXX Loan repayment I requested a loan repayment in XXXX of XXXX. Wells Fargo prolonged my request by requesting the same documents over and over. Now we have a approval after XXXX. The approval was a complete modification with a changed interest rate ( 3 % XXXX % ) I have already made my XXXX XXXX payment. 
Issue # XXXX Insurance Check XXXX XX/XX/XXXX my bathroom flooded. 
I put in a insurance claim, my insurance wrote the check to me and Wells Fargo. I was told to take the check to Wells Fargo and they would sign and release the check. I did but Wells Fargo would not sign the check because they said quote on quote " WE ARE TREATING YOUR LOAN AS A MODIFIED LOSS AND WANT YOU TO MAIL US THE CHECK ''. My modification was already approved and my XXXX payment was made and on time. So you are discriminating against my loan because I have a MODIFIED loan?? This was said to me on a recoded line. I had water damage and Wells Fargo wants to hold my check to see if I'll default in my modification so they can apply my check to the loan. My repairs are on hold because I can't pay my contractors because Wells Fargo wants to hold my check instead of allowing me to repair my home.
Consumer complaint received 2023-06-06
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: CITIBANK, N.A. (CA)

To. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing this email to you regarding an investigation and dispute that was closed by Citi XXXX XXXX on XX/XX/XXXX I recently became aware of fraudulent charges that were being placed on my Citi Credit Card. I called the number on the back of the card and reported it. 

My card in question, was cancelled and Citi issued me a new card while the Citi investigation took place. 

On XX/XX/XXXX I received a reply from Citi XXXX XXXX that stated that the investigation was completed and the dispute closed. It also states that I had given my account information for a series of purchases from the merchant and that Citi didnt consider this fraudulent activity. 

I had clearly explained the fraud to XXXX XXXX, I also offered supporting documentation showing the fraud. On XX/XX/XXXX, I responded to an email that said I had won a smart watch, one comparable with an XXXX XXXX. All I had to do was pay shipping. 

The website it took me to to collect my free watch was XXXX, At this website I was introduced to all the wonderful features of this XXXX XXXX XXXX. Being that I was recovering from a XXXX XXXX I had while also having XXXX, I figured that I could use the many medical tools it claimed to provide. I decided to pay the shipping and accept the free watch. 

This took me to a check out page. XXXX. On this page you input you credit card data and shipping address. No where on this part of the screen does it state or make you aware that you are going to be billed again. ( Please type them in to your browser or I can send you screenshots ) Apparently, this company uses this rip off product to enroll people into some sort of service that does not exist. ( See trustpilot reports ) Its called XXXX XXXX XXXX XXXX. This rip off company sends you a defective, cheap product, does not advise you that they will be billing your credit card for eternity and at will. And to top it all off, you never receive anything or any coupons or service of any kind. 

This my friends is fraud. You must clearly show that you intend to rebill, this fraudulent outfit billed my Credit Card at will for over a year. I did not agree to any such billing and worse is to receive a letter from Citi telling me its not fraud! 

I have some serious misgivings over the so called Security offered by Citi and the treatment I received. To continue to allow what Citi calls a merchant to operate in this fashion is protecting criminal behavior. 

Citi let me down, to the tune of {$810.00}. I am asking for reimbursement, and I am also asking that this fraudulent merchant is shut down from their rampant crime spree. 

Respectfully,
Consumer complaint received 2022-11-09
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. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Financial Solutions, LLC (NC)

I have reached out to the company regarding missing payments they have reported to the credit bureau. My account with peerform inc has been closed since XXXX and was opened XX/XX/XXXX. They have recently ( this month XX/XX/XXXX ) reported for missed payments and now my account status is showing as opened. Of course my score has decreased by 30 points. To my knowledge this is illegal. Their contact information is XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, New York, NY XXXX. Thank you
Consumer complaint received 2022-12-22
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 be updated from erroneous reporting in my file. 

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 XXXXXX/XX/XXXX