davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (PA)

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 demanding to be deleted immediately : XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the 1 of 2 account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: eMortgage Funding LLC (NC)

From day one when I was contacted by EMortgage I was guaranteed I would be getting a loan with lower interest rates, lower payment, my debts paid off and cash to do upgrades. I was intentionally mislead, deceived and straight out lied to throughout the whole process in order to get my to agree at closing to a loan I can't afford and debts they refused to pay as agreed leaving me in financial detriment and going to lose my home. It was fraud and they knew it. They then immediately sold my loan so they have no more responsibility to pay what they agreed.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First bank account open at bank of america in 2005 was closed for no reason and they used the same debit card for a new bank account for no reason ... .i have never made a transfer from any account in 20 years... now my mail and cards are being stolen and all bank tellers are doing nothing to give me transaction records and they are involved with a teller fraud investigation for false bank information, my cellphone is hacked before i purchased it and they follow me everywhere to block any way of getting information from different bank locations
Consumer complaint received 2023-03-01
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. (NY)

Dear Sir/Madam, Greetings! 
I have a XXXX XXXX App from where I first got Email notification regarding my recent Hard Inquiries on XX/XX/2023 : XXXX - 4 Hard Inquiries and on TransUnion - 1 Hard Inquiry. For this I called, XXXX and they advised me to get FTC Report, for that I went to XXXX XXXX Police Department and filed a complaint about these 5 Hard Inquiries which is absolutely a fraud activity on a single day ( XX/XX/2023 ). Upon inquiry, the Police Department, never provide any FTC Report and they were even unaware of it and this was the information initially provided by XXXX Representative when I called them on XX/XX/2023 ; however, the Police Department gave me the Complaint Number XXXX and asked me to call Credit Bureau and I called this morning ( XX/XX/2023 at XXXX AM ) to XXXX providing them with Police Complaint Number but they now saying to go online ( ftc.gov ) and print the submitted form and send us back along with the copy of my ID, SSN and a written letter. Meanwhile, I also received 1 Credit Card from the Citi Bank and its related to one of the fraud hard inquiry activity reported on XXXX which I never applied to. 

I, therefore, request you to provide me a FTC Report which I can forward and have them disputed from both Credit Bureau Agency ( XXXX and TransUnion ). Thanking You, Sincerely, XXXX XXXX
Consumer complaint received 2024-04-21
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: JPMORGAN CHASE & CO. (FL)

There are accounts reporting on my credit that I have several times reported fraud identity theft they refuse to take it off my account t Ive called at least 100 ti, es nothing gets resolved. Chase Morgan bank is reiiryung I had an account with them for XXXX credit card. Ive never had an XXXX crest card before. They will not listen. On top of XXXX XXXX keeps also reporting Ive never had a XXXX XXXX XXXXredit card and now its in collection.
Consumer complaint received 2023-01-10
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: CITIBANK, N.A. (TN)

I checked my XXXX credit report and discovered that fraud occurred on XX/XX/XXXX at Citibank NA, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I never authorized this bank to pull my credit report, I called XXXX and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX XXXX  Account Review XXXX XXXX XXXX XXXX, GA XXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with XXXX, and they're willing to help me.
Consumer complaint received 2023-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

This bank has very poor security. Anyone can call in with someones DOB and Last-4-SSN and receive basic account information ( balances and joint holders ). I requested that I wanted to add a verbal password/passphrase and/or PIN to the account so that this information is more secure and they refused. 

As you know DOB/Last-4-SSN is widely available to a lot of people, especially on the dark web. 

This is very bad practice, I do not recommend banking with Capital One, Capital One 360 until this security flaw is fixed.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

I have filed previous complaints about Synchrony bank. I have multiple accounts with them. They repeatedly do not apply my payments correctly. This time it is with my Walmart Card. My last payment has disappeared from their system, I made a payment on time last month, and now they sent me a certified letter stating that my payment was never made ... but my balance was reduced after my payment and I went shopping. So how could this be?! Now the system says I have n't made a payement since last year! This is messing up my credit!
Consumer complaint received 2023-06-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

My husband ( now deceased XXXX XXXX ) created a XXXX line of credit in XXXX, with the Pentagon Federal Credit Union. 
In XXXX, my husband and I filed bankruptcy and included the PenFed Account in the bankruptcy discharge process. The bankruptcy was discharged in XXXX. I have called PenFed several times and sent an email to the address that was provided to me. No response. 
I am now trying to discover the following : XXXX. Was the Pentagon Federal Credit Union dept discharged in the bankruptcy? 
XXXX. If the debt was not discharged in the bankruptcy, then EXACTLY how much was owed? ( I feel certain that we did not owe $ XXXX at the time of bankruptcy full amount. ) XXXX. How can I obtain a release from my home, remove the lien and approximately how long will it take to receive the release? 
Can you help me with advice for getting a response from PenFed? Im trying to find out if I owen
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC (CO)

Previous complaint ID :   XXXX   Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my   XXXX   XXXX   , which is where I get my mail.
I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment.
New complaint.
That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on   XXXX    XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank.
I have been doing research and the company has a long history of such practices.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA (MD)

I looked At my credit report on XX/XX/XXXX and APPLE/GS BANK are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( XXXX ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON XXXX, XXXX, TRANSUNION.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under.

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion reports a status of my   XXXX   XXXX   XXXX   home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect.
The last payment on the said account was made in   XXXX   2010. The account became late in  XXXX  2010, was never again current and should be deleted as obsolete.
I disputed with TransUnion, but the account was verified as accurate.
I would like TransUnion to end reporting of obsolete information by deleting the  XXXX  account starting with  XXXX **** from my credit file.
Consumer complaint received 2023-06-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-07
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)

I have been a customer of XXXX for over two decades. 

I had always used my own credit card. 

I was recently offered an XXXXXXXX XXXX XXXX via XXXX XXXX  with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry. 

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.
Consumer complaint received 2023-06-07
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. (CA)

On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are numerous amounts of errors on my XXXX, Transunion, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well.

I was also a victim of the data breach. I have sent XXXX/Transunion/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, Transunion, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (KY)

When I reviewed my credit report, XXXX, XXXX and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Consumer complaint received 2024-04-14
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: CITIBANK, N.A. (TN)

XXXX XXXX, AND FORCEFUL DISCLOSURE OF MY PERSONAL INFORMATION : RE : [ CITICARDS CBNA XXXX ], I requested that citibank send me evidence of their obligations in accordance to 15 USC 6802 which must be observed before they share my nonpublic personal information with non affiliated third parties in the likes of the following corporations : XXXX, XXXX, AND XXXX. they refuse to provide me this information. they only sent me the terms and agreement of the credit card. the terms of agreement states that you may report if necessary. however you IN FACT are governed by your obligations in accordance to 15 USC 6802 which requires certain protocols that you must observe to me as a consumer before you may report such information. Failure to observe such obligations will constitute to a data bridge of my nonpublic personal information. this is my last complaint here on the CFPB. my further action if you fail to resolve this situation will be to pursue legal actions for leaking my personal information to non affiliated third parties.
Consumer complaint received 2023-06-07
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 that need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX