davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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. (AR)

As a follow-up to my earlier complaint to have the bogus items removed, I, XXXX XXXX XXXX am submitting this CFPB complaint. I requested the removal of ( personal information, address, accounts name, and account number ) that is UNKNOWN to me in a letter on ( insert date letter was delivered to bureaus ). I just learned about this regulation, and it states that you must delete any accounts or information in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following XX/XX/XXXX. This is something I've already mentioned in my prior complaints, and I'm including it once more. Kindly take out the following as soon as you can : 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 XXXXXXXX. Please erase any accounts and information that were created as a consequence of identity theft, as required by law according to Fair Credit Reporting Act Section 605b, which I have read about.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Franklin Collection Service, Inc. (MI)

Somebody has my identity to open up account without my autherization. my birthdate was used same with my ssn. Franklin Collection SV i did not open nor had a account with them. The account number is the last XXXX XXXX and XXXX. The phone Number Is XXXX. 
Address XXXX XXXX XXXX XXXX, XXXX, MS
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CO)

My home was appraised by XXXX XXXX at a 10 % increase in value over the past 14 months. The appraisal misrepresented my home so I objected to the appraisal. I keep requesting a reason why my home doesn't at least follow national averages or XXXX market average where 15-20 % increase over the last 12 months. Better Mortgage even shows on their site 22 % overall increase. 

My homes value was compared to home that sold 12 months ago by someone out of state. I found a newer purchase around the corner from me and they would not accept it as a comparison, they wont correct the miss representation of my home. 

Lender say appraiser wont change report, I want proof that they even asked them to.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Thomas Agency, Inc. (CO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The account THOMAS AGENCY which opened XXXX XXXX, XXXX is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX  but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove or update the following accounts : XXXX XXXXXXXX XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXXBalance $ XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a business checking account with Suntrust. On XX/XX/2021 the company decided to close my business checking account with no explanation. The account has been in a no debit status since and it still has over {$18000.00} in the account. I have talked with several bank personnel in person and over the phone and have only been sited that the bank has decided to close the account because of Suntrust rules and regulations. While I have come to terms the fact that this bank has decided to terminate their relationship with me, I am not okay with the fact that this company has not returned the funds that are still in this account with no viable explanation and have no other option but to pursue this in a legal manor. This situation has egregiously impeded upon my business and I have suffered loss because of this. I need a reprieve of this situation immediately!
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company XXXX XXXX XXXX has violated the Fair Credit Act I never received anything in the mail regarding any of these balances. I have no knowledge of these balances and I am disputing every last charge from XXXX XXXX XXXX. XXXX XXXX XXXX reported three ( 3 ) accounts and I want them removed immediately, I was not notified directly to dispute these accounts. 

XXXX XXXX XXXX -acct # XXXX for {$220.00} XXXX XXXXXXXX XXXX-acct XXXX XXXX for {$160.00} XXXX XXXX XXXXacct # XXXX for {$160.00} Maybe I should contact an attorney and sue this company XXXX XXXX XXXX  for damaging my credit report with these accounts and balances. I will if accounts are not removed immediately from all three ( 3 ) credit bureaus.
Consumer complaint received 2021-10-11
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)

I have called transunion numerous times and they stated they would remove inquiries. The inquiries are still on my report. I demand to be removed immediately
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I XXXX XXXX XXXX is reaching out in regard to noticing on my consumer report. That I see collection accounts and inquires that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 C2 blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.
Consumer complaint received 2024-06-06
Product: Credit reporting 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)

XXXX XXXX ACCOUNT NUMBER- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-02-18
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. (FL)

I am formally requesting with this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Balance {$43.00} Opened XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (TX)

XXXX XXXX reported me as late on a payment I believe I XXXX they assured me that it was a mistake as I was promised that during the refi process, all late fees will be waived and no late fees would apply. 
As you can see there was one reported late They assured me that it would be removed and it had yet to be Credit Bureau needs to contact them directly for further information
Consumer complaint received 2023-02-18
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. (GA)

XXXX please remove the credit inquiries XXXX XXXX XXXX  XXXX inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX Transunion please remove these credit inquiries they are fraudulent XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have gotten behind on my Auto loan in XX/XX/2021 due to being laid off due to Covid-19. I have called my Auto lender about my situation. I explained I will be out of work for about 3 months & requested payment forbearance, Extension or pay interest only. After being on hold & phone several times & talking to multiple customer reps I was allowed only one month extension, no release of late payment fees & still reporting me to credit bureaus as late. They have no set plan to help or work with there customers with financial hardships due to the pandemic that is been ongoing for a year. Very sad & pathetic for such a large bank.
Consumer complaint received 2023-02-18
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX.
Consumer complaint received 2021-10-11
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TFS FINANCIAL CORPORATION (NY)

I contacted ThirdFederal on XX/XX/year> to close my HELOC account. They stated they would not close the account until a {$65.00} administrative fee was paid. The fee was not due for another 30 days and is a yearly administrative fee. When I explained I should not be forced to pay a fee for an account that will not be staying open I was told I needed to pay it. 

This is a predatory practice as I had no other option but to pay the fee or risk damage to my credit. I have now paid a administrative fee to keep the HELOC open for another 12 months even though my desire was to close it. 

I then asked if they could let me know how much notice they need to not be assessed another fee next year since 30 days was not enough and they never replied.
Consumer complaint received 2023-02-18
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

I am writing regarding Cash App 's blocking of my card usage without valid reasons. Additionally, Cash App denied my dispute with a vendor who failed to provide the services for which I paid. Upon contacting customer service, I encountered individuals reading scripted responses, often concluding with a final statement. It appears they did not thoroughly investigate the matter. If an investigation was conducted, I request a detailed report outlining communication with the vendor and any received documents. 

Moreover, Cash App violated Texas law by failing to issue a provisional credit during their XXXX investigation period. Despite bringing the situation to their attention, they promptly denied my claim. Their actions are unethical and constitute a breach of consumer protection regulations
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

After discovering that a debt collection company and Trans Union were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. 

Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. 

In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. 

If the company persists in these practices, I will be forced to take legal action. 

I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

FROM THE DESK OF XXXX XXXX XX/XX/XXXX Credit Card Fraud Dept. 
Barclays BankXXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Credit Card ending XXXX XXXX XXXX SS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX To Whom it May Concern, Respectfully request that you reopen the credit card fraud investigation referenced above due to the following. Also submitting these documents to your CEO office and the Consumer Fraud Protection Bureau and XXXX. 
Initially reported card lost and not in my possession on XXXX XXXX after reviewing account. 
Disputed all charges from XXXX XXXX forward ( agent did not dispute all ) ( agent error ). ( {$2200.00} ) Card was fraudulently used for purchases from XXXX XXXX XXXX. Please note that there was not a Travel Notice placed on account. Your internal anti fraud monitoring should have flagged this activity as suspicious. 
Pattern of spending not inline with previous purchases as massage parlors, liquor stores, etc. Again anti fraud monitoring should have flagged this activity as suspicious at the least. 
Balance and frequency of spending as the card was only previously used for XXXX XXXX in the last year. Other than airline tickets I have never run a balance higher than maybe {$150.00}. 
Submitting documentation that proves that I was not in location where purchases were made. This includes commuter receipts for travel to and from work in New York as well as a trip to Alabama which includes XXXX, XXXX and restaurant expenses that indicate could not have made the referenced charges. 
Have requested a letter from my Corporate HR that will also prove I was in New York at work when these charges were fraudulently made. 
Additional proof and verification can be provided for additional spending during these dates for day to day expenses that would once again prove I was in New York and not in XXXX  or Florida during these dates. 
Sincerely yours, XXXX XXXX XXXX XXXX XXXX # XXXX B BRIARWOOD, NY XXXX ( XXXX ) XXXX XXXX XXXX