davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$93.00}.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I received and email on XX/XX/23 from Citizens Bank stating that my request to open a checking account was declined. I never attempted to open an account with this institution. 

Unfortunately, due to a busy schedule, I just noticed the email this morning. I called Citizens Bank this morning XX/XX/23, and the agent said : We thought that this would be a fraud case because important information was missing from the on line application. They invited the person to come to inside a branch complete the application on site. No one ever came in. She then went on to say that she couldn't see the actual application, that she was forwarding the information to the fraud dept and for me to contact the FTC. 

The Application ID is as follows : XXXX
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fay Servicing, LLC (IN)

I purchased the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX  years ago I refinance the property back in XXXX with the company. 
By the name of. XXXX XXXX. went into bankruptcy Sometime around XXXX. My mortgage was transferred to Fay Servicing. I continue to make payments as I did to XXXX  without any issues until the pandemic hit when the pandemic hit in XXXX of XXXX,. Immediately XXXX of the occupants residing in my building begin to have issues paying rent, which was contributing to the mortgage. One person was immediately fired or laid Off .Another individual Who worked for the airline was only getting paid once a week? Or worked only once a week due to lack of work, he worked for the airlines. Another individual who worked in close quarters with others at a bakery continue to get exposed to the virus from other workers. For XXXX whole year, I struggled to make the payment on time until XXXX of XXXX. I Initially contacted face servicing and asked if there was any way I could XXXX  restructure or modify my loan. I was always told the investors have to make that determination. The investors I don't want to do that. It was always the investors no options. Or additional assistance was ever offered by this entity. 
So I felt I had no other alternative but to sell the property. The amount due on the loan was XXXX sold the Property to an investor who I knew was. 
Good good at maintaining his property. Because I was concerned about the tenants who I had developed relationship with. Over the XXXX  years I had on the building. I sold the building for below market value. To ensure again a smooth transition and that the individual. I sold it to would maintain the building keep the current tenants And keep the property up. 

When I received a copy of the payoff statement. I couldn't believe the exorbitant fees Fay servicing had added on to the pay off. ( I will attach a copy of the payoff ) I neglected To inform you that I have been involved in the real estate industry for over thirty five years. I currently hold a XXXX XXXX XXXX XXXX XXXX XXXX in the State of Illinois. I have also been a notary signed agent for the past XXXX period and upon graduating from grad school. I worked 10 months in a mortgage company. XXXX and natural tin. 
So, I was quite aware that the fees, they included on my pay off were not the norm. THESE FEES WERE unusual For example, they charge me for early payoff. my initial agreement with. 
XXXX  XXXX was that I had to keep the property for XXXX  years. I had the property more than XXXX years. They charge me nadditional fees for that. And then there's a for {$10.00}, XXXX fee, With no explanation!! They just tossed it in. I also went online and review reports regarding Fay servicing and their owner.. So this is somewhat typical of what they do to consumers. I would appreciate any assistance you could provide me. In regard to this ma matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding inaccurate and unauthorized information that has been reported on my consumer report. I believe that this inaccurate reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request your intervention in resolving this matter promptly. 

The inaccurate information in question is detailed in my dispute letter sent to LexisNexis on XX/XX/2023, regarding Report Number XXXX. Despite my efforts to rectify these inaccuracies directly with LexisNexis, no resolution has been reached, and my consumer rights continue to be violated. 

The disputed items include : Identification Records ( XXXX XXXX XXXXXXXX ) Multiple names associated with my LexID without my authorization. 
Section 2 - Address Characteristics Records Unauthorized address variations reported on my consumer report.

Section 5 - Online Marketing Records Records reported without my express permission, violating my right to privacy.

Section 8 - Insurance Policy Records Insurance policy records reported without my written consent.

Section 9 - Department of Driver Services Records Driver services records reported without my written authorization.
Consumer complaint received 2023-02-01
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNT : XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to dispute inaccurate information that appears on my credit report. Upon review, I noticed several inconsistencies in the information provided for an account listed under my name. Specifically : The date the account was opened is incorrect. 
The date of last activity does not match my records. 
The last reported date is inaccurate. 
The balance listed is not accurate. 

These inaccuracies are adversely affecting my credit report. I request that you investigate these issues immediately and update the information to reflect the correct details. If you can not verify the accuracy of this account, I ask that you remove it from my credit report entirely. 

Please notify me of the results of your investigation at your earliest convenience.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

As my other claim says I was scammed into depositing XXXX checks within this account also, I managed to catch the scam before doing any more depositing and immediately contacted the bank like I said previously I'm making this claim to give more information, when I contacted Bank of America for the reason of the closure, if I was being reported to XXXX and also if I was able to make a new bank within their institution. calling the bank on various days and at various times totaling to over at least XXXX calls daily within a day to try and get correct information about the process the account was in and if I was being reported to XXXX every banker kept telling me that I wasn't being reported and another would tell me that its being reported and when I asked about being able to rebook with them each banker had different answers saying I was banned from Bank of America for XXXX Years and some saying that its permanently and even others saying that " i can try and open a new account but if it closes its due to this reason '' Once I realized the scam I took action right away and wanted to repay the bank even though I was a victim. I reported the scam to cash app and of course they denied it but I tried disputing the transactions of cash app transfers but it failed and now it's being investigated as fraud thankfully. I have been banking with Bank of America ever since I turned XXXX ( XX/XX/year> ) and I feel like they threw me in the dirt without even giving me a chance to fix my situation.
Consumer complaint received 2023-08-06
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)

On XXXX XXXX XXXX XXXX, & XXXX I sent written letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX XXXX XXXX. They verified this inaccurate account as accurate. They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX I made a company check deposit to my small business account in the amount of XXXX  When I made the deposit I was not told there was a hold on my deposit, especially since the check is from a regular customer I make receive and make deposits for in my account. Since I was not told there was going to be a hold on the check and the funds would be available the next day. I made checks to my employees and made my other monthly payments. On Monday I my check was placed on hold for XXXX weeks. 
my payroll checks were returned and I am unable to pay my employees and caused me to be overdrawn by a large amount. 
I called several times and no one helped me at all. Even though the bank is still charging me over draft fees. I am unable to pay my employees or continue my business because they will not release my funds for XXXX weeks. I requested for them to verify funds with XXXX XXXX  and bank of America refused. 
I asked for some of the funds be released to at least cover my payroll and they refused. I was not given notification when the deposit was made that there would be a XXXX week hold on my check. 
Bank of America always places a hold on my deposits for XXXX weeks and at times has told me that it is because my account has been overdrawn but the reason my account is overdrawn is because the constantly placing a hold on my deposits. 
I have called bank of America several timeXXXX to request help I have walked in to my branch and requested help and they just tell me to call the 800 number and then when I do they tell me to walk in to the branch and ask the XXXX to help me out. 
I ask to speak to the department that verifies the checks and they tell me the they are the people who verify but they can not help me. 
I have begged and cried to please help me because my account is so overdrawn and my employees need their payment also. 
I let them know that my rent is due and they did not help me at all. 
I don't understand. They claimed to help small business and especially female owned small business and I feel like they purposely are setting me up to fail. I can not continue my business if I can not pay me employees Bank of America is unfair to small businesses and is causing them to fail because we do not have the thousands of dollars like the big business. 
They do not help out at or give you any options to help.
Consumer complaint received 2023-01-24
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. (GA)

XXXX, XXXX, and Transunion is refusing to re-investigate XXXX XXXX bankruptcy XXXX. This negative information needs to be remove from my report immediately.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

My husband and I requested a domestic wire transfer on Friday, XXXX XXXXXXXX a transfer to a mortgage title company for our closing costs. On Monday, XX/XX/XXXX, my husband received a call to Citi Bank to verify his identity. He called back. He then received a text to verify his identity. After verifying the text for his identity, he was then asked two random questions : a ) Type of XXXX XXXX owned b ) Location of properties owned My husband has neither water vehicles nor any properties provided. After trying to clarify, Citi Bank said he had failed the verification and therefore the wire transfer was canceledd. 

We immediately requested a new wire for our funds and called Citi Bank. After being on the phone for 60 minutes, we were provided the number to the Citi Wire Speciality Unit. XXXX, the agent, with us on the phone said that there was a hierarchy to identity verification- text and then Citi uses a third-party company to find random information for clients to identify and confirm. The problem is that neither my husband nor I have ANY INFORMATION on the questions asked- we believe that the wrong identity was researched and therefore we can't access or utilize our money. We now have to hope that our second wire comes through and that, hopefully, the two questions asked are relevant to us. 

We are furious that we have had to jump through hoops ( getting access to our account was a whole other issue ) and now, we can not do what we need to do with our own money. The wire is time-sensitive and we are now further away from getting a remedy.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC. (FL)

Equifax did not update my auto loan with XXXX XXXX XXXX XXXX in XXXX and is reporting inaccurate information. I have already tried to get XXXX to update it correctly 2 times, XX/XX/XXXX and XX/XX/XXXX. 

I have included my XXXX report for my auto loan to show that they reported it to them on XX/XX/28, which shows I am current.
Consumer complaint received 2023-08-04
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. (ME)

Subject : Urgent Assistance Required : Equifax Reporting Inaccuracies and Dispute Process Obstruction Dear Consumer Protection Bureau, I hope this message finds you well. I am writing to seek urgent assistance regarding a troubling situation I am facing with Equifax, which has severe implications for my financial well-being and consumer rights. I have been actively engaged in an ongoing dispute process with Equifax to rectify inaccuracies on my credit report. Despite providing substantiated and precise information, I am currently unable to access my account to continue the dispute process. This obstruction severely hampers my ability to address the reported inaccuracies, casting doubt on the fairness and transparency of the process. Moreover, I have discovered a significant and alarming disparity between the terms outlined in a signed contract and the information being reported by Equifax. The contractual agreement explicitly states a monthly payment of {$450.00}, while Equifax 's records inexplicably reflect an inflated amount of {$490.00}. This glaring discrepancy is having a detrimental impact on my credit standing and financial reputation. In addition, I find it deeply troubling that the creditor appears to have the authority to impose unjustified late payment charges during an ongoing litigation and pending lawsuit. This practice not only contradicts ethical lending standards but also undermines the integrity of the dispute resolution mechanism. I implore your immediate intervention to address these critical issues and safeguard my consumer rights. Your expertise in upholding fair practices and ensuring accurate reporting is indispensable in achieving a timely and equitable resolution. Please feel free to reach out to me at [ ( XXXX ) XXXX XXXX ] to discuss this matter further. Thank you for your prompt attention and support during this urgent situation ps. i've already sent a certified letter into disputes and XXXX digital through automated processes that's {$2000.00} per dispute XXXX until the inaccuracies are fixed litigation processes are not stopped until court has made a determination on the ongoing litigation against public auto finance. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Different people call from this number saying they are fifth third bank looking for XXXX XXXX. I have told them that its not his phone number. I've asked what do you want and they ask address, birthday, and once they feel I'm not telling the truth they end the call. I've told them to stop calling. I've told them, " take me off your call list ''. I've said how would they like it if I called them twice a day everyday. They just tell me to have a nice day. When I block the call they are still able to leave a VM message.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
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. (TX)

There was a data breach which in fact my personal information was taken and distributed. Which in return accounts were opened without my consent or knowledge as well as inquiries being made. This has made my score go significantly down and caused trauma in my life I can no longer stay in a decent area because of bad credit or purchase a home. I was in the process of purchasing a home and now I have to place this on hold. Ive reached out multiple times to have them remove these accounts and inquiries but they state they have to verify with the lender first and never remove them.