davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (TX)

I had unauthorized transactions on my account, and Current chose not to return my funds. It was over {$400.00}. They said they found no fault. I can't speak to the dispute department ; I could only email them, and they don't respond for days and tell you XXXX to XXXX hrs ; however, that wasn't true.
Consumer complaint received 2024-03-11
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. (SC)

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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, due to their failure to take appropriate action on my reports of fraudulent credit inquiries linked to my Social Security Number ( SSN ) and their inadequate process of debt validation. Despite multiple requests for the removal of these inaccuracies and for proper validation of purported debts, XXXX, XXXX, nor Transunion has not fulfilled its obligations, leading to significant financial and personal distress. 

Since 2021, I have repeatedly informed XXXX of suspicious credit inquiries and contested debts on my report, providing them with evidence that these were fraudulent and not initiated by me. Despite following their recommended dispute resolution process and submitting all required documentation, my requests have been either ignored or inadequately addressed. 

Furthermore, XXXX has failed to provide : Adequate proof of the alleged debt. 
Validation of signatures purportedly authorizing these credit inquiries or debts. 
Validation of the debt itself, including any details on 1099A or 1099C forms that should accompany forgiven or unsettled debts.

In some cases, they have outright refused to readdress disputes I filed, even when contested for legitimate reasons.

The consequences of this negligence and failure to adhere to legal requirements have been far-reaching, including unjust decreases in my credit score, resulting in thousands of dollars in additional interest charges and denial of loans. This has caused significant financial harm and lost opportunities, such as capitalizing on the equity in my home.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), credit bureaus and debt collectors are required to conduct thorough investigations of disputed items, provide validation of debt, and ensure accuracy in reporting. XXXX failure to comply with these laws in my case represents a clear breach of their obligations. 


Thank you for your attention to this urgent matter. I trust that the CFPB will provide the necessary assistance to resolve this issue and enforce compliance with the FCRA and FDCPA, preventing similar instances of negligence affecting others. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my file that are erroneous and needed investigation Here is the list of items that do not belong to me or were opened without my permission : XXXXXXXX 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 US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 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 DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX we ordered some utensils from XXXX XXXX. Order # XXXX. The order was split into two parts - Part one was {$360.00} and part two was {$79.00}. Part one of the order ( set of 20 ) was shipped out and received and then immediately returned. We have confirmation that the return was delivered and signed for on XX/XX/2019. 

The second part of the order was just a set of 2 that we were going to pick up at a store in XXXX, CA. We did not ever pick these items up at the store, but were charged for them. When we called XXXX XXXX, they said we had to show the items were picked up in order to " return '' them even though they were never picked up. So the return was performed on XX/XX/2019. 

I have called countless times to determine why our card was never credited for the returns. The XXXX XXXX credit card company ( Comenity Bank ) claims they know nothing about what was purchased and whether it was returned. They are just the credit card company and have no idea what's going on with the store. All they know is what the XXXX XXXX store tells them. XXXX XXXX store claims they don't know what is happening with the credit card or it takes time to get the credit or its in process. Meanwhile we are being charged finance fees. 

Last month the credit card company agreed to put the charges under investigation. We received a letter delivered snail mail dated XX/XX/2019 that our investigation showed we owed the money because the returns had never been received. But XXXX XXXX shows the returned items being received in XXXX! 

This is not the first time we have had an incredible amount of trouble getting credited for a XXXX XXXX return but it is getting harder and harder to get credited for the returns.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

THEY WILL INVESTIGATE IT AND WILL SEND ME A LETTER WITH THE RESULTS IN 60 DAYS. THEY HAVE CLOSED BOTH CARDS AND I NEED TO SEND A LETTER TO THE CREDIT BUREAUS.
Consumer complaint received 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

Hi, We were issued and approved for an FHA Standalone Partial Claim from our lender ( Freedom Mortgage ) for our FHA loan for our property. We were in forbearance due to COVID-19. They sent us a proposed loan modification back in XXXX which included the below modified terms : - Lowering our interest rate from 4 % to 3 % - Lowering our principal balance and including this amount along with the forbearance arrears into a second interest free junior lien account. 
- The aforementioned would lower our monthly mortgage payment from {$5200.00} to {$4300.00} After we signed and notarized the documents and sent them back, they are now claiming there was an error on the maturity date ( their fault ) and are reversing all the proposed terms which will increase our interest rate back to 4 % and will bring our payment back to it's original pre-covid amount of $ XXXX/month without any valid reason or response. The communication has been non-existent and this is the first I am hearing of this. They are claiming our payment will be increased and due on XX/XX/2022. 

I was thankful for their original proposed modification and assistance as it would have helped us tremendously, but I would like to file an official complaint as this is not right and we are essentially receiving no modification or assistance. 

Thanks, XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: AMERICAN EXPRESS COMPANY (GA)

I went on the American Express website to look for other card options, they told me I could look at the cards and a soft pull not inquiry, the inquiry was there showing hard credit pull, but I didn't apply. 
These are bait and switch opportunities for the company and it affected my credit scores, I have a copy of that with XXXX 
credit scores are affected now by BLINKING so these private companies can make money off you.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I opened an account with XXXX for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account inXX/XX/XXXXI was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX XXXX XXXX  banking partner were not able to accept a paper check as a form of payment. I contacted XXXX XXXX   and informed them that check payment method was the only way I could pay due to my debit card being replaced. XXXX XXXX  rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XX/XX/XXXXalthough my payment is current.
Consumer complaint received 2022-04-20
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. (CA)

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

XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 Section 604 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 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened an account with Regions online on XX/XX/2022. I had a direct deposit sent to my account on XX/XX/2022 in the amount of {$1600.00} from a installment loan company that works with my job ( XXXX XXXX XXXX XXXX  ) and it was pending in the account. On XX/XX/2022 the deposit completely disappeared so I called the XXXX branch because the one in XXXX fl was closed. They told me to call customer service because they couldnt see any deposits or anything on my account and customer service could see more of my account information. So I call the customer service number and the associate I spoke with was very dismissive even implying that I was lieing about the deposit altogether and she said that I needed to go into a branch and that the branch can see more info than them. So I drive 45 mins to the branch in XXXX. Show the associate the text message I received saying that the deposit was made to my account and he told me that my account was closed because I didnt pass the screening process and that the direct deposit was rejected for that reason. XX/XX/2022 I received an email from regions saying that I need to fund my account. So I contact regions asking how can I fund a closed account and I am told that my account is still open. So I called the loan company and they said they were told by regions that the account was open but it was frozen. Now i am being denied for the loan and its all because of regions and their lies and negligence. My first and last time banking with regions
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this XXXX  charge and Fifth Third Bank recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least one month payment, specifically XX/XX/2023. After proving to Fifth Third bank the charges were fraudulent and not approved by me, Fifth Third Bank removed all charges and reversed the XXXX through XX/XX/2023 {$2.00} charges and specifically XX/XX/2023 late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, XXXX XXXX XXXX AND XXXX XXXX, asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Consumer complaint received 2022-04-20
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. (NY)

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 # 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 2022-04-20
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. (NY)

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 # 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 2019-06-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

Started loan modification XX/XX/XXXX. Have submitted XXXX documents numerous times uploaded to Mortgage co website and XXXX letters. Every time I call with questions based on logging into their website I never get the same person. I have been told we dont qualify, rude employee who stated my husband works XXXX she entered into their system now additional information required, ( he had a complete XXXX XXXX and I have applied for SS XXXX, we have only SS income ) different states answers Oregon Texas etc. so need to talk to supervisor. Never get the same answer ever Been Told Underwriters are processing the application. Sure, that is why we have to upload SAME documents again and again. What are they looking for? Not one person from mortgage co has called us to help us with our application. I have asked please someone help us We have owned our home XXXX  years and have plenty of equity. Good luck to anyone else who gets old has numerous medical bills and lower income. Since home values are up in our area and equity in our home. Probably will let it go into foreclosure we cant possibly use our social security to pay for the large payment
Consumer complaint received 2022-04-20
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)

The following accounts are Fraudulent and are in clear violation of my privacy. Which is a violation of the law. I demand the following accounts be DELETED from my Consumer Credit Report Immediately as they are Fraudulent accounts opened using my personal information and consequently disclosed on my TransUnion and XXXX Consumer Report 1. XXXX XXXX XXXX { XXXX } Account # XXXX - Amount. {$44000.00} 2. XXXX Account # XXXX - Amount. {$16000.00}
Consumer complaint received 2022-04-20
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. (RI)

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 has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT EDXXXX Account # XXXX has violated my rights. 
DPT EDXXXX Account # XXXXhas violated my rights. 
XXXX ( original XXXXXXXX XXXX ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXX XXXX XXXXXXXX ) Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXXXXXX XXXX  Account # XXXX has violated my rights. 
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 an 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 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXXXXXX XXXX shouldn't be reporting on my credit report as they haven't submitted validation of that. They have also stated that this be removed off of my credit report. XXXX and XXXX has removed it but Equifax is still reporting it.
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

XX/XX/22 dispute case XXXX over charged theft XXXX. Owner said refund for emergency leave from XXXX XXXX Amount of XXXX was never paid customer service did not want to take alter information for dispute case, alter information for investigation po box XXXX XXXX XXXX MO XXXX XXXX XXXX emergency number for dispute case also @ XXXX withdrawal XXXX. Never show on XXXX XXXX XXXX, XXXX had to use my bank statement to verify.