davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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)

I have been disputing items on my credit report that have not been verified or validated. I have asked TransUnion on multiple occasions to verify the accuracy and validity of the accounts being reported to my credit report. 

I have asked Transunion to verify the Method of Verification, who they spoke with to verify the alleged account, the telephone and address so that I can speak with them and how they verified, TransUnion failed to provide any viable evidence from the furnishers and generated an automated response as I did not consent to e-oscar or automated verification. 

I also asked for the TransUnion to ask the Furnishers for the original signed contract bearing my signature on every dispute since 2017, and they also have failed to provide such evidence, and continue to report inaccurate, incomplete, unverifiable information on my credit report, violating FACTA, FCRA, and my consumer FDCPA rights. 

As also XXXX  and XXXX  have also neglected to properly verify with as TransUnion. 

I have experience emotional and mental distress resulting in humiliation and embarrassment as I have been denied credit on rentals, credit cards, and loans, because these items have not been properly verified or removed as directed.
Consumer complaint received 2018-06-28
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: EQUIFAX, INC. (MA)

I been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit report.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-09
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: MOHELA (MD)

Between the Department of Education and XXXX my loans were sent to Modela my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 XXXX XXXXXXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..
Consumer complaint received 2024-01-30
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. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (IL)

I have complained about this company before BUT nothing has changed with billing issues. In XXXX I paid my installment amount x2 yet again. XX/XX/ paid the {$150.00} check # XXXX. Then on XX/XX/ paid another {$150.00} check # XXXX. Now expected to pay yet again on XX/XX/. I am frustrated & tired of this nonsense. With the last complaint I submitted a copy of the agreement & how the clause about payments can be misinterpreted. So now again I am being sent bill for XX/XX/XXXX payment. I want this nonsense to stop! I am attaching copy of the bill & what I faxed back to XXXX XXXX XXXX.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the XXXX XXXXXXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. 
TransUnion FRAUDULENT Accounts XXXX XXXX XXXX XXXX XXXX ( {$42000.00} ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) FRAUDULENT Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank - In Fall of 2020 I gave {$50000.00} from an IRA to bank and instructed bank to put it in a callable CD ( I already had similar investments ). Instead, it was invested into something called XXXX XXXX XXXX XXXX against my wishes and direction. It was very clear as I had even had an argument with the lady when she suggested investing into anything other than CDs. I have since withdrawn the funds. I understand that XXXX XXXX XXXX XXXX are not secured by FDIC.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I used XXXX XXXX to pay an employee XXXX $ for a job, and they did not complete the job and disappeared. I filed a debit dispute with capital one bank for my checking account ending in XXXX and they quickly denied my claim and didnt investigate. They also caused my account to have a negaitve {$1000.00} balance and when I called to try to reopen the claim and provide new information, they refused to do it.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

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 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Through the advice of my loan officer, I initiated a refinance of my home with Quicken Loans. From the very beginning, the underwriter at Quicken Loans advised our loan officer that she had very little experience with Jumbo loans and was completely out of her depth. Yet, for whatever reason, instead of transferring the loan to a senior underwriter, the loan stayed with her. Every day we would receive requests for documents, and explanations which we responded to within hours. For each condition that was cleared, 3 more popped up. At no point did anyone tell us that there was a chance that the refinancing would not be approved, so we patiently waited for 2 MONTHS while the underwriter went back and forth with her team and identified new problems. Several times they lost documents we submitted to them and asked for them all over again, and each time we complied without any issues. For 2 months they led us to believe we were refinancing our loan when in reality they were just looking for reasons to reject it. 3 times the loan went into closing, and 3 times it was pulled out by various people and placed on hold to ask for documents they already had. They wasted 2 months of our time with frivolous delays, when every minute counted for us because we had a terrible rate on our houses and really needed the refinance to continue making payments. Eventually, they declined the loan, completely in bad faith, giving us no reason whatsoever. When asked how it was possible that the refinance went into closing 3 times, only to be thrown out each time, they stopped responding and left us to wonder what went wrong. We still have no idea why we were suddenly rejected, our FICO score was sufficient, our DTI was within the appropriate range, we provided proof of everything they asked for, and obviously someone thought the loan was ready for closing, 3 times. The worst part was that during the 2 months they were " working on the loan '' they ran our credit numerous times, dropping our credit score so low that it will be near impossible to refinance the house anywhere else for the foreseeable future.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Date of this CFPB Consumer 's Complaint : XX/XX/XXXX Associated with CFPB 's Consumer 's Previous Complaint:XXXXSubmitted on XX/XX/XXXX. 

Consumer received a Wells Fargo 's Response Dated XX/XX/XXXX sent via XXXX XXXX XXXX XXXX. [ ATTACHMENT # 1 ] Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Consumer 's Response to the Wells Fargo 's Decoded Response. [ ATTAHMENT # 2 ] This Consumer feels that Wells Fargo is giving Consumers the continuous, of the World Famious Run-A-Round again. Also evading communications through the CFPB 's Consumer 's portal = Doing " BAD BUSINESS PRACTICES AGAIN. ''
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AZ)

After years of having my discover card they closed my account in XX/XX/2021. This was my oldest account and therefore it brought my credit scores down significantly. They stated that they had closed my account because 4 years ago I used XXXX XXXX XXXX to pay off some other creditors i owed when I was unemployed. They were not even included in the relief. 4 years later, out of the blue, they stated that was the reason and referred me to the complaint department if I had an issue with it.
Consumer complaint received 2021-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc (MA)

On XX/XX/2021 I received a bill from SYNERGETIC COMMUNICATION, XXXX. They stated I owed {$4800.00} in the basis of their communication and that the account was placed in collections. This debt had formerly been disputed with XXXX XXXX XXXX as a result of identity theft. This communication has violated federal law, FDCPA.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-16
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. (UT)

I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX Equifax and, XXXX with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.
Consumer complaint received 2024-01-30
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. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I initiated an online bill pay in my Chime checking account which is sent by Chime in the form of a check for a XXXX XXXX XXXX policy premium. The Chime banking system indicated the check was sent on XX/XX/2021 to XXXX in the amount of {$120.00} at XXXX and indicated the check was SETTLED or paid to XXXX XXXX XXXX never received payment and my Life Insurance policy lapsed because of it. I reached out to Chime twice regarding the matter. I asked them to cancel the check and refund my account which they did. They had nothing to say regarding their actions cancelling of my insurance policy at 48 years of age. The main issue is the fact that they said the funds were paid and settled and they weren't which leads me to believe there has to be many other customers, as I would have never known the funds were not settled had my insurance policy not been cancelled. The attached snip of my bank account shows the cancelled check and the original check, and the original check STILL shows settled. If this isn't a CFBP problem, I don't what is.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX XXXX and, TransUnion with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.
Consumer complaint received 2024-03-21
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. (NY)

i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and XXXX, and transunion still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both XXXX XXXX XXXXXXXX, as well as XXXX XXXX XXXXXXXX also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence law.
Consumer complaint received 2021-07-09
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (WI)

In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at XXXX XXXX, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

XXXX XXXX and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.