davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (AZ)

I originally submitted a complaint regarding Discover denying me access to credit cards and privileges connected to related background accounts and securities i am the original note holder of with them. Discover responded without addressing my core issues. I am requesting the CFPB assist in ensuring Discover addresses substantive issues raised about rights tied to my account history underlying their trusts. Their response sidestepped this entirely. 

Specifically, as I explained previously in detail, legally binding credit account relationships are created from signed credit card applications and associated terms- which represent accounts receivable assets securing underlying securities. However, despite years of credit applications and pre-approvals with Discover, they are denying me access tied to obligations connected to my identity circulating in their trusts. 

In summary, Discover avoided engaging on my core issue - accessing credit card privileges affiliated with my contractual background, given signed applications forming accounts. I am requesting the CFPB assist in ensuring Discover addresses substantive issues raised about rights tied to my account history underlying their trusts. Their response sidestepped this entirely.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Associated with 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 2017-05-08
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)

My name is  XXXX   XXXX  I received a letter from  XXXX  BANK on  XXXX / XXXX /  XXXX   saying that my application for a credit card was decline on  XXXX   XXXX ,   XXXX  . The application ID is  XXXX . The address on the letter from the bank is   XXXX   XXXX    XXXX   XXXX   XXXX , SD  XXXX   XXXX  their  XXXX  :  XXXX . My name and address was correct on the letter. my address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  fl  XXXX .     I  XXXX   XXXX  DID NOT APPLY FOR A CREDIT CARD FROM  XXXX  BANK. I will love for you to look in to this matter for me. Thanks inadvance
Consumer complaint received 2021-11-24
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. (VA)

First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 809 ) 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.
Consumer complaint received 2023-02-27
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. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this fraudulent was opened using my personal information according to the 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any info that a consumer identifies as the results of identity theft within 4 business days you are in violation- remove immediately.
Consumer complaint received 2023-07-18
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. (NV)

XXXX XXXX XXXX XX/XX/2023 added multiple inquiries on my credit without my consent. 

XXXX XXXX XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX - XX/XX/2023 - added a hard inquiry on my credit also without my consent.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (PA)

I am writing to file a formal complaint against XXXX XXXX XXXX for their violation of consumer protection laws in relation to fradulent debt collection practices. Recently, an item appeared on my credit report indicating an outstanding debt previously owned by Afni, which was originally associated with XXXX. 

It is pertinent to note that I have previously disputed this account, which was originally owned by XXXX, with Afni and submitted a report to the CFPB in 2023. As a result of my dispute and your intervention, the account was rightfully deleted from all three major credit bureaus including XXXX, XXXX and XXXX. 

However, to my dismay, the same account, now in the amount of {$2000.00}, has resurfaced on my credit report, this time under the ownership of XXXX XXXX XXXX. This action not only violates the Fair Credit Reporting Act ( FCRA ) but also breaches the Fair Debt Collection Practices Act. 

Furthermore, the pursuit of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of my rights under the Fair Debt Collection Practices Act. 

I am enclosing a copy of the Federal Trade Commission report detailing the fraudulent nature for your reference. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take necessary actions against XXXX XXXX XXXX to ensure compliance with consumer protection laws and to rectify the damage caused by their unlawful actions. 

This item needs to be deleted from all three bureaus immediately so that I can utilize my rights to obtain other credit opportunities.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The address that shows up on my credit report which i gave disputed many times I have fixed many times still shows up on my credit report I live there like 7 years ago. I even called the credit cards that had that address so that it would no longer be on file it still keeps popping up. My old neighbor contacted me and said mail was coming to the house. I fixed it again. This account has been closed for a long time. And its closed now. I even did something were I foward all my mail. This is very stressful. I do not own any businesses at all I only have one address
Consumer complaint received 2023-07-18
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. (CT)

I notice when I was looking at my hard inquiries and soft inquiries when I did apply for a XXXX XXXX card they pulled my credit 3 or four times on the same day. That is something that should be flagged why would a credit bureaus allow that. Let a company pull someones credit report the same time in even two consecutive days. One had the last three digits changed to LLC. Something does not look correct. I know I had a XXXX XXXX credit card on my XXXX XXXX credit card before I closed the account I sent a new one and the phone number was not correct on the back. So I closed the account. I do not trust this bank ever again. I had to get the correct phone number from my mother to call while back. I am not understanding why they would pull my credit report many times. I would like this to be investigated with XXXX first before the bank I dont even know what is the correct bank to send it to I will send the attachment were inquiring were inquiries then you guys can decide what is the correct place to send it to.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a modified mortgage in XXXX and my payments kept going up and I was having trouble making those payments. I am a XXXX, I could be working one day and out of work for 8 months. This job is very unpredictable. XX/XX/XXXX I was given a forbearance loan and made all the scheduled payments. I did not realize it was for only for 12 months. I made the payment in XXXX and XX/XX/XXXX at the forbearance rate. I tried making XX/XX/XXXX payment and was told I was in foreclosure since XX/XX/XXXX. I have not received any notice of foreclosure. They said I have to " repay '' the overdue balance as stated in the forbearance agreement. I went thru the agreement and there is no such statement. My wife keeps in contact with Bank of America regularly. She is not listed on the mortgage but does all the work with them for me. When my wife went thru the forbearance contract it stated that after the forbearance period the payments would return to normal. There was nothing in there about making a payment for an overdue balance. My wife spoke to the manager in charge of my mortgage. He accused of her of not being able to read and understand the paper work involved in the contract of the forbearance. She asked him to send her a copy of the paper that states the balance must be paid at the end of the forbearance period. He stated he could not because one does not exist. He also told her that she could not speak to any one else but him. If she called she had to have the representative get in touch with him immediately. My wife is not on the mortgage and she received a bill in the mail in her name only for {$11000.00}.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

Account was taken over by XXXX. Credit history showed account in good standing from XXXX XXXX through XXXX XXXX. In XXXX XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XXXX XXXX, and account showed current in XXXX XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2023-07-04
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. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 've repeatedly contacted Trans Union regarding my XXXX account, listed as # XXXX The balance and credit limit Trans Union lists on my credit report are both wrong, and despite my submitting copies of my most recent statement to Trans Union on XX/XX/2017, providing evidence of their incorrect information, they continue to list a balance when the account is paid in full and a credit limit much lower than is true.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

In XXXX I closed the account # XXXX and I requested the refund of the annual fee to be applied to my account as I am not going to be using it. The company seems to be able to close the account however it refused to refund the annual fee and fees that were accrued as result of the refusal. I think as Chase card member that no longer wants the card due to the poor customer service I am not obligated to pay for the annual fee I have closed and no longer use.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I transferred XXXX from the Us to my brother in XXXX on XX/XX/2024. The transfer usually takes a couple minutes to a few hours to be completed. However, this time the transfer hasn't reached the receiver to this day. I called Money Gram the next day and they it should have been completed the same and not worry, but not happened, it only says the money is in transit. My brother went to the bank to check on the transfer and his bank in XXXX telling him that they have no information on the transfer. I called again and they opened up a claim and stated that it could take up to 90 days. I strongly believe that money gram is trying to steal my money because base on my research online I've seen a lot of people complaining about the same issue.
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Global Recovery Group (IL)

Global Recovery Group called my phone threatening to call my relatives and they did - stating I was under investigation. Scared my daughter, asking for my address. I do n't owe this company. I read they are debt scammers. When I phoned them they mentioned they needed my phone number and another department called. They are terrible!
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (WI)

My deceased husband passed away on XXXX XXXX XXXX  in an accident. I contacted Kia Finance and gave them this information, a copy of his death certificate and our marriage certificate. There was not a will, trust or probate due to the assets being below XXXX XXXXXXXXHe did not include me on the lease however, he did sign the Marital Purpose doc indicating that he is married to me and that I'm responsible should he not make the payments. I've been paying the lease from my account since XXXX passed away. Kia Finance is now saying that they never received the documents 2 1/2 years ago. I've sent them the docs 2 more times. The lease is up on XX/XX/XXXX. I have been trying to get the amount required to buy the vehicle and where to send it. They will not give me that information. They insist that I need to go to probate however my attorney and the County Court system is saying that probate is not required due to the few assets. I've contacted Kia XXXXXXXX XXXX XXXX  and they will not help resolve this either. 
I am a single mother of XXXX XXXX XXXX XXXX XXXX XXXX. I think they want the vehicle back and I will be left without a car. PLEASE help me!! I'm desperate.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. As a victim of identity theft, I have promptly reported this crime and now seek your cooperation in rectifying the situation. It is essential to remove all fraudulent information from my credit report and conduct a thorough investigation. I am prepared to provide evidence and, if needed, take legal action to protect my rights and pursue appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2017-06-01
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: Houston Finance Co. (TX)

While reviewing a recent copy of my [  XXXX   ] c redit report I noticed acredit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Consumer complaint received 2023-06-14
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. (GA)

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. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries XXXX 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 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

I had a banking relationship with Citibank for 20 years + all of the sudden they decided to close my banking relationship and blocked all my accounts including access to my credit cards. I attempted to contact them, but they keep me bouncing from one department to another without providing me with a solution. This was the most horrific client experience I DO NOT RECOMMEND CITIBANK FOR ANYTHING. Their compliance department lacks knowledge and understanding risk. Lastly, Citibank informed me that it will take 30 to 60 day to have my funds release.