davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible.
Consumer complaint received 2023-01-24
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. (FL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XXXX/XXXX/2023 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

On XX/XX/2021 I went into my local First Horizon bank the address being XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, to inquire about why I was charged a XXXXXXXX XXXX overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the XXXX dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law.
Consumer complaint received 2023-09-09
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. (TX)

Dear Credit Bureaus, There is information that on my consumer report that is a result of identity theft .I did not provide written permission or instruction for the identified transactions to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted .My request to block is not being made in erro, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transaction by me as the consumer : You have 4 days to remove and blocked ALL THE INQUIRIES ON MY CONSUMER REPORT The account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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: SYNCHRONY FINANCIAL (PA)

I filed a dispute in XX/XX/XXXX with Walmart, XXXX XXXX, XXXX and XXXX. My complaint was inaccurate information on all three credit reports that came from one furnisher. 
Synchrony Bank provided all three credit bureaus my account information and all three document different information on my credit reports. 
The date of last delinquency XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX did they re-age my account? 
Charge off sequence according to XXXX XXXX is in accurate. 
XXXX XXXX has payment until XX/XX/XXXX I made payments XXXX and XX/XX/XXXX XXXX has payment until XX/XX/XXXX says 60 days late also 60 days late XX/XX/XXXX XXXX has payment until XX/XX/XXXX late 30 ,60 ,90 days charge off XX/XX/XXXX also XX/XX/XXXX I was not 30 days late. I received a request from Synchrony for more information. completed and faxed back. XX/XX/XXXX I received updated credit reports saying all information was VERIFIED and ACCURATE. I replied with the attached letter dated XXXX XXXX asking how and when this information was verified. XXXX XXXX removed the account. XXXX and XXXX did not fix the problem nor answer the question. XXXX has delete my payment history. XXXX removed my payment history from XXXX and continue to report on a charge off account in XXXX. How is this fair or accurate. 
Please see my attached letter dated XX/XX/XXXX it list the multiple calls I have made to Synchrony to have this account removed.
Consumer complaint received 2023-02-28
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. (MO)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-21
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (MS)

My mortgage lender XXXX XXXX had someone drill my locks off my home and place a door lock on there. They damaged my door and basically kicked it in. They claim that I called them on XX/XX/XXXX and asked for them to take over my home. This is a lie! I had a water damage to happen to my home during the winter storm. I filed a claim for the damage and when I tried to speak to my home insurance company XXXX XXXX they told me that they could not discuss my claim on my home in which I paid insurance for out of my escrow, because Rocket Mortgage filed claims on the home and stated my home was in foreclosure. I told them my home is not in foreclosure. Prior to that my home insurance illegally canceled my policy and stated I wasnt covered during the date of the loss. I received letters saying my policy was canceled.My policy was paid for up until XX/XX/24 in which I received my renewal policy. However, XXXX canceled my policy on XX/XX/24 stating I wasnt covered. Therefore saying my damage to my home wasnt covered. I then told them and showed where my house was covered. They apologized and reinstated my policy. However, it should have never been canceled. Now they are telling me I have no say over my home insurance claim because my Mortgage Lender stated in in foreclosure and that is not true. I am delinquent due to COVID 19 forbearance and then not giving me any options to help me seek relief but I am not in foreclosure. Its like they stole my home from me and want the insurance company to pay them ( in which someone showed where a {$15000.00} check was sent to Rocket Mortgage. They are trying to get money off my claim to restore the home so they can fix it up to sale and make profit because I dont see why all this is happening to me. This has caused me severe mental and physical duress. I dont see how a mortgage lender can string arm someones home and the home insurance company allow it to happen without any documentation to support the Mortgage Lenders Claims of foreclosure. I filed a claim with a date of loss on XX/XX/24 and the Lender filed 2 claims on my behalf with a date of loss of XX/XX/24 with out my consent or knowledge.Also while I was in Forbearance they reported me negative to the credit bureaus. This caused me to lose hope in trying to salvage my credit and I became extremely depressed.
Consumer complaint received 2023-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX, I filed a CFPB Case : XXXX against Capital One in reference to an unauthorized inquiry. Capital responded in a letter that the hard inquiry will be removed. The inquiry has yet to be removed. I've contacted Capital One over the phone and didn't get resolution.
Consumer complaint received 2019-12-17
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: SYNCHRONY FINANCIAL (LA)

I have been charged for a product I did not want or purchase. A charge of {$14.00} has been charge to my account for several months. The last charge was dated XX/XX/19. I would like to close the account. I have tried to contact Synchrony Bank but it is impossible to contact them.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I sent a letter asking XXXX, XXXX & Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violations. 

15 USC 1681- XXXX, XXXX & Equifax have 30 days to investigate and send me a reply. 

They also did not record the current status of my disputed information which is another violation. 

Equifax ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX  account # XXXX amount {$18000.00} XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX amount {$0.00} XXXX. XXXX  ACCT # XXXX amount {$0.00} XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT {$18000.00} XXXX. XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX BANKRUPTCY ACCOUNT NUMBER XXXX XXXX ACCOUNTS TO BE REMOVED XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

I noticed some concerning charges on my account- and reported them to the bank they then flagged my account as fraud locked my funds which is over XXXX $ and wont release them said can not give me time frame. Im about to go to the news with this as I can barley support my kids as it and XXXX $ is a lot of money
Consumer complaint received 2023-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I saw that the report for transunion stated they were working on it but my score hasnt changed and the items were not removed, since the original complaint. I made one after that on XX/XX/XXXX and the company responded to you that they are working on it. 


I called transunion XX/XX/XXXX they advised they have no open dispute case. And that I need to resend and file another dispute and they say they do not have a cfpb complaint. 


They have not removed the accounts and are requesting I send additional dispute letters that have been submitted along with the current complaint.
Consumer complaint received 2024-03-11
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. (TX)

XXXX, XXXX and Transunion are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only one address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX XXXX  I received a phone call from an individual named XXXX XXXX who said he was an officer at my local sheriff 's office. He told me I had missed my jury duty date, that there was a warrant for my arrest and needed to pay bail and a fine for missing it and come into the station to fill out paperwork to send to the courts. I was extremely scared of the repercussions and he said that I needed to pay the fines and fees to avoid getting in further trouble. He told me I needed to go to a kiosk in my local XXXX if I wanted to pay the fines so I went and sent the money through the ATM/Money Order kiosk. I sent {$4800.00} dollars in two transactions because they said the first one didn't go through ( {$3800.00} and {$1000.00} ) and I believed them. Once I sent the money and told them I was on the way to the police station for the paperwork they hung up on me and then I realized I was being scammed. I immediately called Wells Fargo to report the fraud and had my claim submitted. I also submitted a police report and reported the scam to my state 's attorney general 's office. I also contacted the company, XXXX, that the money was sent through to see if there was any information I could get about canceling the transfer or about the scammer 's account. They were not able to return the money but they provided me the transaction information. I called Wells Fargo on XX/XX/XXXX and they told me they denied my claim since my debit card was entered into the kiosk machine regardless that I was scammed of nearly XXXX XXXX dollars. I am over simplifying the emotions I went through on the ninth but I was and still am experiencing a lot of stress and financial burden as a young adult who has now lost a lot of money with seemingly no way to get it back. I can provide the WF claim number, my police report number, my emails with XXXX, and the response from the Attorney General 's office. I appreciate any help the CFPB can provide, thank you.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (OK)

On XXXX XXXX and XXXX I deposited a total of XXXX to my Robinhood brokerage account from the linked account of XXXX XXXX XXXX in my Robinhood App, and then on XXXX XXXX I received a restricted notice from Robinhood and then on XX/XX/XXXX I received a email of Account Closure ( s ) in Progress, ( All of your Robinhood accounts will be closed. Account closure can take up to 4-7 business days depending on the assets held in your account and if liquidation or transaction settlement is needed. ) they are holding my total funds of XXXX and I sent them emails almost everyday since XX/XX/XXXX, asking when can they release my money to my original bank source that linked to Robinhood, they replied the same email says ( All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to 15 business days to complete this process. ) but the fact is they are holding my money and put me to wait like endless. This is happened on XXXX its been almost a month since the account closure date. 
Ps : I didnt do anything wrong I was using the robinhood app to buy and sell stocks and cryptos, suddenly they restricted and closed my account and retained my funds. I have nowhere else to complain no body to discuss right now Im panic Im afraid they are not returning my funds, because these issue happens to a lot of Robinhood customers. Please help me CFPB
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

I was given a letter in mail stating the request for entry of default judgement without hearing and due to justice court rule they now are asking for funds on an old credit card account. 
this company Gurstel Law Firm in XXXX Arizona I have dealt with them in the past and they understood I was on social security and own no assets so they dropped the case. now they are here again but the amount owed to creditor differs. I spoke to my legal aid before and they said I should not have notified them at all so that is what I did this second time. 

they send a " court person '' to serve you with papers but they literally threw the papers at me and I did not even tell them who I was. 
now I have a Request for entry of default judgement without hearing from this same company
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On    XXXX   XXXX   XXXX   I file d a complai nt on   XXXX   XXXX   The company has refused to verify and information regarding a debt that is claime d to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information.  One rep advised me that   XXXX   XXXX   can electronically share any balance to the credit bureaus    and I should stol calling because they  can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just "  XXXX  it up and pay it, even if its not yours '' i have attempted to get assistance from all   XXXX   credit reporting sgencies.  XXXX ,  XXXX , and Experian however I have not received a resolution .    XXXX   XXXX   has not reaponded to a complaint submitted o n   XXXX   XXXX   an d they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.   According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my credit card on XX/XX/2019 the payment due on XX/XX/2019 I paid this card off in full than I get a notice on XX/XX/2019 that I owe XXXX interest I called on XX/XX/2019 to get this fixed they refused to fix this matter, I paid them all that was owed on this account on XX/XX/2019. This is Capital one bank