davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (TX)

I've tried disputing this issue with XXXXXXXX XXXX XXXX via phone and via XXXX, XXXX and TransUnion. XXXX has removed the record for fraud. This issue is regarding a fraudulent amount I have no knowledge of from summer XX/XX/XXXX that was sold and place for collection by the company XXXX XXXX which NO LONGER EXISTS AS OF XX/XX/XXXX, and was set for collection in XX/XX/XXXX. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 

Account name : # ( acct # ), list all accounts and acct # s, has violating 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 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AR)

Citi Bank has failed to give me the requested physical proof that the account showing on my credit report is verified and belongs to me. This is a violation of 15 USC 1681g ( c ) ( 2 ) ( E ). This is a {$1000.00} violation Citi Bank has included transactions on my credit report, which is a ( d ) ( 2 ) ( A ) ( i ). This is a {$1000.00} violation. 

Citi Bank has has furnished my report not in accordance to my written instructions. This is a violation of 15 USC 1681b. This is a {$1000.00} violation Citi has failed to send me any periodic statements for the alleged account belonging to me, which is a violation of 12 CFR 226.7 requires that a creditor to furnish the consumer with periodic statements. I did not receive a statement in XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, nor XX/XX/2022. This is a {$1000.00} violation per occurrence. 

I sent a letter to Citi Bank on XX/XX/2022. I followed up by contacting. Citi Bank about my concerns in which the agent refused to address my concerns unless I made a payment. I also sent Citi bank a letter on XX/XX/2022 and did not receive any remedy to my concerns and rights being violated.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (OH)

I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A while back I was a victim of Identity theft. My personal info was stolen during a data breach. I followed the steps from the Federal Trade Commission and filed an identity theft report. After sending my report to XXXX, Transunion and XXXX  only Transunion was the company that ignored my report. That's why I turned to you guys the CFPB. I shouldn't have to take these measures to get things done. I just want to correct my Transunion file by removing those fraudulent inquiries.
Consumer complaint received 2020-04-13
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. (AL)

I have an active 7 year Consumer Statement to contact me before extending or allowing access to my credit report on each reporting agency of Experian, XXXX  and XXXX  and to contact me at XXXX or XXXX before extending Credit or access to my Credit Report. 
I have had Identity Theft twice on my and my wife 's Credit. 
It has been in place XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In spite of these Consumer Statements all three agencies have Hard Inquiries on my Credit Reports. I have not being accessing credit as I already have a Mortgage and have only 2 items I have XXXX  legitimate Hard Inquiries. 

I was unaware until recently and need these Hard Inquiries removed : Experian has XXXX Hard Inquiries with only one being legitimate. XXXX  has XXXX Hard Inquiries with only 2 being legitimate. XXXX  has XXXX Hard Inquiries with only 2 legitimate Hard Inquiries. Credit Reporting agencies are ignoring the 7 year Fraud Alert.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX  Balance {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (VA)

Since XX/XX/2023, Navy Federal has been charging me excessive interest fees XXXX  per month. I have been charged a fee of {$72.00} and {$32.00} every month since XX/XX/2023. This card is not being used and the account has been closed for almost a year. I dont ' recall being charged these excessive charges upon receiving the credit card. I believe these charges are excessive, and needs to be investigated.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
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: ENCORE CAPITAL GROUP INC. (TX)

This Company Midland Credit Management act # XXXX has yet again Violated the CFPB guidelines by changing the reported balance on the alleged collection account. On the credit report generated on XX/XX/XXXX this account is reporting a balance of {$640.00}. On the report generated on XX/XX/XXXX this account has changed the balance to {$640.00}. This Inaccurate and a violation because it can not accurately be both and it is not possible for the balance to increase on a closed collection account, nor is it possible for an account that is considered a closed collection to obtain more charges or fees. Also this company has changed the Date Delinquency first reported to XX/XX/XXXX which is another violation. On all previous reports the Date Delinquency First Reported is XX/XX/XXXX. This company has changed the date and balance to attempt to make the account appear recent. Another discrepancy is the High Credit reported is XXXX on XXXX, which is lower than the Past due balance. The High Credit is the highest amount of credit ever used on a account. It is not possible to have a balance higher than the High Credit amount. Also the reported Highest Balance on XXXX is {$0.00}. Which is inconsistent with what this company is reporting to XXXX.
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (VA)

I asked First Point to verify an alleged debt that they claim I owe to XXXX  XXXX XXXX or remove it from the credit bureaus. They only sent me a copy of a bill. That's all they could send because they don't have any verification. They don't have any verification because I don't owe XXXX  XXXX XXXX ANYTHING! This is ridiculous. This company clearly buys ALLEGED debts from companies not knowing if a person really owes that company. They just want to collect and make a profit from their purchase. They sent a copy of a BILL as verification. Wow.
Consumer complaint received 2023-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NE)

I am receiving emails from Indebted about an account XXXX XXXX XXXX has and appears to have something to do with COMENITY CAPITAL BANK ( in partnership with : XXXX XXXX XXXX XXXX ). We haven't done business with either companies so there should not be any account.
Consumer complaint received 2020-04-13
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. (TX)

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

Helvey and assoicateds is trying to collect on a debt from XXXX that is incorrect. I stated this from my first cal with them and requested proof of the debt. They sent me over a ledger that clearly shows the last two months of service of being estimated and not an actual meter reading. This is being reported on my credit reports and should n't be as it is not a verified amount. The agent on the phone said I need to call consumers myself to handle this. If that is the case they should n't be allowed to be reporting something that they themselves do n't know if it is correct.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}
Consumer complaint received 2020-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Hello, We were the victims of fraud through Citibank/XXXX. 
Timeline : -Listed couch for sale late XXXX XXXX for {$280.00}. 
-We get an offer from a male that sends us a cashier 's check for {$1900.00} to pay us for the couch & movers that are coming to pick it up -Check deposited XX/XX/XXXX ( it was a fraudulent check ). 
-It took Citibank over a week to report this to us and we received a letter on XX/XX/XXXX. We have never bounced a check and didn't realize it took several days for us to get notified! Note that we have been Citibank customers for over 30 years. 
-Assuming check had cleared as funds were in our account on XX/XX/XXXX, and trusting XXXX since Citibank backs/has a partnership with them, we made a RELATED XXXX payment for {$1700.00} on XX/XX/XXXX. This was for what the scammers said was for movers minus couch- that they ended up not coming to pick up on XX/XX/XXXX ( the day before the check bounced, but 3 days before we were notified AT ALL by a letter that arrived in the mail ). 
-So, we LOST {$1700.00} as a result of this SCAM by a service pushed by Citibank as a partner plus the {$12.00} bounced check fee. 
-We reached out to Citibank twice with the information and twice they denied our claim saying we had authorized the transaction ( yes, we did but assumed funds posted properly in our CITIBANK account ) so they would NOT help us at all. Again, this is after we provided Citibank all the information we had and used a service pushed by our bank that we were loyal to for over three decades. So, we thought it was safely backed for customer usage in the event of any fraudulent activities. 
-The last denial arrived via mail on XXXX XXXX XXXX 
We provided details of the fraudulent check, the UPS tracking information in which the cashier 's check came, as well as another XXXX XXXX account the scammers gave us when they thought we'd send them the balance for the couch they never came to pick up. We also provided a cell phone number used that was still active at the time. They refused to investigate at all and/or help us track him down to try to recover our money.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$1800.00} XXXX {$20000.00} XXXX {$11000.00} XXXX {$17000.00} XXXX {$3900.00}
Consumer complaint received 2020-04-13
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. (TX)

Equifax ; XXXX and XXXX should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-17
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. (MA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I opened a checking account at chase and tried, on five separate occasions, to withdraw funds but was unable to for various reasons : First few visits, some computer glitch that can't be fixed on a weekend was to blame. 

Last visit, they told me that they got an email from the " system '' that they need to scan and check two IDs of mine to release the funds, which I've provided on every visit. After doing so for the fourth time, they said they needed to hear back from the " system ''. 

Fed up with this treatment, I tried to close my account today. Handed the teller a withdrawal deposit and a cashier 's check with the total amount was prepared and was actually handed to me before it was snatched right back when I mentioned that I'm closing the account. 

Now they say they can't release the funds till the " system '' approves account closure. When I asked them just for the funds without attempting to close the account, they refused and enjoyed themselves seeing me spend yet another half an hour with " system '' clowns. 

This reminded me of third world sketchy banking behaviours, straight from a XXXX or XXXX   sketchy financier/banker playbook. 

Let 's see if this oversight platform can make me feel like I'm in XXXX, Georgia again and not XXXX or XXXX.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am sending this information due to the fact that on XX/XX/2020, I sent in an identity theft packet to two credit agencies for items that were not mine on my credit report. 
I received letters from the agencies so I contacted both agencies one agency took some information off my credit file and told me I needed to fax the ftcp image and they would take off the rest and then when I called back I was told it was not uploaded and then I got another letter saying it would be 30 more days which they have already been over 30days and they still have not removed the item and it's still on my credit profile and this item is not mine please have this item removed from my credit profile. 

Thank You,
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

this is a continuation of complaint XXXX as it has not been attempted to be resolved as the mortgage company is stating it is. They have yet to accept my bank bill pay certified checks that were sent to them in XX/XX/2019 in the amount of {$XXXX and another in the same amount in XXXX of XXXX or send them back. They claim they have never received them, however they sent a refund check to the rental house in XXXX along with all the other communications. I finally located the 2 personal checks they returned to the rental house as well as one refund check from Amerihome for one of the checks they claim they never received. 
I have made several attempts to contact this company, Amerihome. after 30-40 minutes on hold I have spoken to several different people at the company with no results. 1st I asked for bank certified checks to be refunded to me or be applied to my loan. They don't have them. However they sent one refund check for one 'they never received ' however since they mailed it to the wrong address I didn't get it before it expired. I sent them my bank statements showing that both were taken from my account. They requested that the bank bill pay company prove that the certified checks were cashed. I contacted the bank bill pay company and was told that the checks are sent as a whole payment from all their customers to their bank at XXXX XXXX and can't be shown as an individual check. Most companies accept the bank statements but not Amerihome. The bill pay company attempted to reach out to Amerihome but they refused to speak with them. I contacted Amerihome, waited on hold for the typical 30 minutes. They stated they won't talk to them without my approval first. So I asked them to hold while I have them on the phone so I can contact the bill pay company and conference them together, but Amerihome hung up on us. They have been rude and have no motive to clear this issue up as they have my money and have my house too. 

I have tried to get this mortgage back in good standings. Amerihome tells me to contact the foreclosure law firm, which I did. They told me if I want to get in bank in good terms I need to talk to Amerihome. I explained that they told me to contact their law firm. The law firm told me they get this all the time from Amerihome but have to send them back to Amerihome to litigate the loan. I called amerihome back and tell them I want to litigate the loan to get it back in good standings. Again after the 30 minute hold time I am told that they can not work with me I must contact the law firm! So where do I go from here? I feel amerihome has a scam going here that they can refuse your payments, not tell you about it and then foreclose on your home stealing the payments you sent them. Something should be done about the scam of a " mortgage '' company. 
I need help to get this matter cleared up as amerihome is not motivated to do so.