davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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. (UT)

Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Transunion ( consumer reporting agency ). This reporting agency ( Transunion ) has infringed upon my right of privacy. I have made multiple disputes to my consumer report regarding this unfair reporting. Through my thorough investigated I have found that this reporting agency was reporting approved extension of credit showing payment history which should have been excluded from my consumer file. I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Transunion ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature authorizing consent to such action, please provide to me exhibits to back this supporting claim of fraud. If Affidavit is not rebutted with proof, litigation process will start with this agency. I have identify my identify through a notary presentment. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.
Consumer complaint received 2021-03-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2021-03-09
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Dear CFPB REpresentative, Thank you for your advocacy work! Really appreciate it! 

I have four concerns about my lender/chase who has been acting in ways that lack integrity and has illegitimately taken advantage of my situation. 

I am on the forbearance program since XX/XX/XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX and XXXX XXXX from Chase contacted me to discuss about the upcoming payment in XXXX, as the forbearance program would be ending. 
They told me it would be {$1100.00} per month at 2.75 % ; they called this program " deferred '' program. I asked them for paperwork to which they replied, they will " mail it soon '' and that " this conversation is recorded. '' To date, I have not received any paperwork concerning the discussion, Last week, XX/XX/XXXX, I called Chase to follow up, I spoke with XXXX, and XXXX or XXXX. 
I was informed the payment amount would be " the same as before '' at {$1300.00} per month, 4.5 %, and not {$1100.00} as discussed. 
XXXX added she saw " in XX/XX/XXXX it was {$1100.00} '' ; she was not able to give details as to why there is a higher amount. she also stated " denied the modification program ''. that was not discussed. 

On XX/XX/XXXX I called and spoke with XXXX to ask for transcripts from the conversations in XX/XX/XXXX. He told me he has no access to. 

1 ) they refused to product paperwork before and after the discussion which took place in XXXX XXXX misled me into thinking they would do so. 

2 ) they did not honor our agreement during that conversation but to increase the rate form 2.75 % to 4.5 %. 

3 ) they manipulated my trust as a consumer, such that they discussed loan terms with me without paperwork while assuring me they would mail paperwork.and that it was " recorded ''. Now they claimed they have " no access '' to the recorded conversations. 

For your information, My monthly payment was {$1300.00} at 4.5 % starting XX/XX/XXXX. 
This is an ARM so each XXXX, I automatically get a new ( lower ) payment starting XX/XX/XXXX. See images attached. 
XXXX XXXX XXXX In XX/XX/XXXX, My payment was determined to be {$1100.00} at 2.75 %. 

In XX/XX/XXXX, I wanted to voluntarily make two payments to my mortgage. 
I consulted more than one occasion with Chase but they did not inform me, through email or verbal instruction, that my payment now is lower, at {$1100.00}.

So I made two payments at at {$1300.00} each. 

4 ) Chase has not informed me I overpaid and has not disclosed how they used the extra {$200.00}. 

On XX/XX/XXXX I was advised to apply for " Modification ''. I agreed to but now I learned it requires one to have a job. I am not currently employed. I can not apply for a modification.
Consumer complaint received 2023-08-08
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. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On Saturday, XX/XX/XXXX I went with my boyfriend to the Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX around midday to make a cash deposit. Since I did not make the bank business hours ; I then proceeded to deposit the cash through their ATM. The ATM only taking up to 30 bills at a time ; I did two transactions. The first transaction I inserted thirty, {$20.00} bills, equaling to {$600.00}. The first transaction went fine. So I went ahead and proceeded to insert the second batch of thirty, {$20.00} bills. The ATM miscounted the money the second time. It only read {$400.00} rather than the {$600.00} I inserted. There are only two options after it counts the money ; which are, to confirm or to cancel transaction. Since the amount was incorrect I chose to cancel the transaction thinking it was going to just return me all the cash to re-insert again. But to my surprise, the ATM only returned me the {$400.00} rather than the {$600.00} I inserted. Right there and then I called the customer service number on the back of my debit card to let them know the situation, they said they would get back to me within 10 business days. Going back and forth they weren't able to solve my issue. Till this day I have not received my missing {$200.00}. I call the branch manager, Mr. XXXX and I always get the " He's with a customer, he's on the other line, he's not here '' leave my number but never get a call back. I've been a customer with them since XXXX and its really frustrating how they simply cant resolve my issue. I have my boyfriend that could testify that all this information is true. I truly hope this can get resolved. Thank you!
Consumer complaint received 2021-03-09
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. (AR)

XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2021-03-08
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX reportb. I have accounts with XXXX XXXX that's was paid off yet it's reporting a balance Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
Inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX and XXXX its listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX Hard inquries/promotional I HAVE NEVER DONE BUSINESS WITH THEM TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (AL)

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt in an effort to have the debt quit being sold to the next buyer after I prove its not my debt.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-08
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)

I have called Equifax over 30 times from XX/XX/2020 to the present day. They will not update my credit score nor can any lender pull my Equifax credit history. I call and they say the same thing over and over or they just hang up on me. I've faxed them 10 times and followed their " dispute '' process. Nothing is ever done and it's ruining my life. I can't get any loans or refinance anything and their customer service is a complete joke. Now they sent me a letter telling me I have no credit with them after they mailed me a credit report. No one EVER contacts me back and NO ONE does anything. What a joke of a company. This is my 2nd complaint on them and even last complaint, they said they " mailed '' me a report. They aren't listening to me when I say that no LENDER CAN PULL MY EQUIFAX REPORT.

THEY WON'T ALLOW YOU TO SPEAK TO ANYONE IN THE US THAT CAN HELP EITHER. IT'S ALWAYS AN OFFSHORE AGENT THAT CAN'T DO ANYTHING AND THEY TELL ME TO FAX DISPUTES AND I'VE FAXED THEM 10 TIMES!
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (TN)

We paid off our mortgage with Huntington Bank XX/XX/2020. We did not receive our 1099 by XX/XX/XXXX. It was not available on the website, so we called XX/XX/XXXX. We were informed that it would be mailed to us. As of XX/XX/XXXX, we still hadn't received it, so we call back. They inform us that there is nothing that they can do and that they can just tell us the information over the phone. They are unable to upload the form to the website nor overnight it to us.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a dispute to Transunion on XX/XX/2021 and on XX/XX/2021 I received the information that the investigation was complete and the 2 collection accounts are verified as accurate. I, the consumer, according to 15 USC 1681a ( c ), am the only one that can verify if the information is correct and I was not contacted for this investigation. They have violated my right to privacy according to the FCRA and VIOLATED 15 USC 1681b ( 2 ) and didn't have permissible purpose to furnish this information to my consumer report.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

A company who identified themselves as attorneys call XXXX XXXX XXXX called my cell phone and then my work. The person who called was XXXX. When I called back they said they had a lawsuit filed and that they were trying to serve papers. 

Said the debt was related to citibank account from 2008 and that I was being sued. I told them the statute of limitations was over on this and that I currently have no information related to the debt or had no idea who they were. 

I asked for address and contact info for them, verification of the debt and asked why I had not received any collection notices from them. When I asked this they became very hositle and eventually hung up. I called back 5 times and asked for the address and was hung up on each time. 3 different people identified themselves as attorneys. This is not a legitimate collection. In addition, they said that they can get a judgement without me knowing it. I have searched our country records and see no evidence of any lawsuit filing.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

A duplicate payment was sent to my Mortgage company. My request for my money to be returned was met after escalation with promises of a call from the Dispute Dept and an Issue Resolution Manager. I got NO calls. I have called them 3 more times. They still have not returned my funds or responded in any way. 

The money was taken on XX/XX/2021. I got a low balance notification the next morning. 
XX/XX/XXXX-Called, given 7-10 day response, refused that resolution, escalation resulted in commitments that the Dispute Department would call me by the next morning and a manager would also call me the next day. 
XXXXCalled Credit card to get remaining points moved to make payment ; the mobile app had moved the first {$500.00} in points before telling me that it would take 2 days to show up in my account. Representative committed that the CC payment would process and show on time. 
XXXXChecked accounts : -No {$1200.00} returned - {$500.00} CC Points gone from card, still not in bank account, Car payment shows paid on the XXXX side and on Bill Pay , not on bank account ... ... CC shows paid but Those points are still on the CC/did not come from bank account????? 
-USAA car insurance autopayment coming this week. 
-Called insurance group asking to drop autopay. Person spent 15 min reviewing this issue and never accomplished anything but dropping my autopay. 

To support my statement that I in no way requested a second payment I will share that I did not need to pay my mortgage this month, it was a mistake. My original forbearance ended in XXXX with payment in XXXX. I set the payment out to XXXX months ago. If I had gone in to do anything with this bill it would have been to cancel the XXXX payment.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I started a process for a conventional, cash out refinance on XX/XX/XXXX. Today, XX/XX/XXXX, I was told that the refinance would not be approved. Throughouth the process I dealt with misleading communication, at one point being told the amount of the loan would be changed by approximately $ 25k. I was sent at least four sets of closing disclosures and they did not have full breakdowns of costs, listing approximately $ 3k as " other fees ''. 

I was very timely in providing necessary documents, statements, and communication but would go weeks at times without hearing from the lender at all. 

After the lender tried to drop my loan amount by $ XXXX, I told them I did not want to continue the process as it had already been about five and a half months, and within 30 minutes, the lender reached back out and told me they could run the loan a differen way and the loan amount went from $ XXXX to $ XXXX ... in 30 minutes. 

This process has cost me almost a full six months that I could have been working with someone who actually wanted to close on the loan, it has caused me financial hardship and an untold amount of stress.