davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (SC)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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.
Consumer complaint received 2022-10-07
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. (SC)

30 days ago I sent letters to Transunion in reference to validating XXXX student loan accounts that are currently reporting as derogatory on my credit report. It has been over 30 days and they have still yet to respond to my request or even change the status on my credit report to under investigation this is a violation of rights under the FCRA and these accounts need to be removed immediately. I have attached the letters below that I have sent to the Credit bureau.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX loan was paid in full as of XXXX. It is now XXXX and the company is still reporting that my information is negative. I've been on the phone with them since XXXX eastern time and they keep saying their system is down and disconnecting the call. I already have a pdf form of the paid in full letter but I can't upload it online on Experian because they don't accept password protected documents. I've been trying to dispute this for the longest and they won't even help me.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF THE WEST (CA)

I believe that I have a claim under the Fair Credit Reporting Act of XXXX  ( FCRA ). Recently, I discovered erroneous information on an FCRA compliant background check. This information has prevented me from being gainfully employed and from opening a checking or savings account. On XX/XX/XXXX, I ran a credit report and background check ( through XXXX ) in an attempt to again find work. I have been unemployed since XXXX. Four judgment liens appeared on my background check from Bank of the West ( BOW ). These liens are both duplicative and mathematically incorrect. Cumulatively, these liens represent in excess of $ XXXX in judgments against me, and these claims have prevented me from finding work or opening a bank account. XXXX told me that I should request that BOW remove or correct the liens because XXXX had received the information from a reputable third party source ( the XXXX XXXX Court where BOW had filed their liens ). BOW has duplicated the liens in my name and has used an incorrect base from which to calculate interest. I believe that the bank has knowingly and intentionally misstated the amounts I owe and continues to do so. I believe that their violations of the FCRA and CCRAA should include fines and punitive damages. I am seeking to file an action in either federal or state court with regard to the fact stated herein. 

I have attached the multiple judgments filed against me by Bank of the West evidencing their claim of {>= $1,000,000} due. These filings are duplicative and do not represent any economic reality.
Consumer complaint received 2022-02-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: MUFG AMERICAS HOLDINGS CORPORATION (FL)

Summary of the Complaint : PurePoint Financial, a division of MUFG Union Bank, N.A., effectively blocks my mother and I from accessing our CD account that we have with them, by closing their branch offices and locking and refusing to unlock full online access to the account. 

Complaint Details : In XXXX of XXXX, my mother and I opened a CD account at PurePoint Financial a division of MUFG Union Bank, N.A. 

The CD account was opened in the name of a trust, where we both are co-trustees with equal rights to the trust 's assets and related documentation. 

At the time the CD account was opened there was a PurePoint branch office in XXXX, FL, where we actually opened and funded the account. The bank representative also assisted us in setting up an online user access ID and profile to the CD account. Sometime before the maturity of the CD account in XXXX of XXXX, I tried to access the account to setup an external liked account in case we decide to not renew the CD and had some questions about how to do it. I called PurePoint Customer Service and identified myself to the representative, who told me that I could not use the online access profile, which was associated with my mother 's name, and immediately locked that only online access profile we had at the time, and also insisted that I need to setup my own online access ID and profile which I did. The representative also told me that they would be able to unlock my mother 's account access profile when they talk to her but that was not possible at the time, as she was recovering from XXXX XXXX  at a rehabilitation facility and also was having XXXX XXXX. 

A few days ago, my mother and I decided to not renew the CD when it matures in XXXX of this year, so we called PurePoint Financial again ( both of us on the phone at the same time ) spending over 3 hours on the phone with numerous people, at different departments, with no resolution of the issue. They continue to refuse to unlock my mother 's profile, despite the fact that they talked to her and she answered all of their questions concerning her identity and her desire to have her profile unlocked. Additionally, my profile, that they told me to setup, is limited in what I can do on the account. For example, I can not see any tax-related information. 

One other thing, a representative at the bank suggested that they could help us move the money to another bank, if we're not happy with the arrangement with them, but we would have to pay a penalty for doing that. My mother and I are not interested in doing that we want to be able to move our money without any penalties, when the CD matures. 

My mother is XXXX and is very traumatized by what's happening with her life savings. Note that on the advice of an OCC representative we contacted and left several messages at the Office of the Bank President in hope that this simple issue can get resolved quickly, but never heard from them.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC. (PA)

Notice to OPT OUT I have sent CHRYSLER CAPITAL a letter stating I want to OPT OUT from having my non public personal information disclosed to ANY third party companies. I understand that under 15 USC 6803 ( GLBA ) Act that it is my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. 
Financial institutions must provide consumers with a clear and easy way to exercise this opt-out choice.
Consumer complaint received 2022-02-20
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)

These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts on my credit report.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Beginning late spring/early summer 2021 I began receiving collection notices from Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX Resurgent is a collection agency. I did not recognize the account on which Resurgent was collecting so I wrote to them asking for documents supporting their claim. Resurgent responded by sending two account statements, both showing zero payments. Resurgent sent neither a Cardholder Agreement nor any other document establishing me as being legally responsible for the account. Since Resurgent can not collect on an account for which it can not provide legal proof I again asked ( twice ) for these materials ; I even wrote to their CEO, XXXX XXXX. Resurgent never sent me anything other than the two account statements I have described. Bottom line, Resurgent has never provided anything to support its claim, but continues pursuing collection activities against me. Resurgent has even reported me to the XXXX credit reporting agency, causing my credit score to drop nearly 40 points.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (TN)

I applied for and account through a friend referral. The next day I got my deposit and they immediately suspended my account. The customer service through email doesnt look at the proper documentation. They start off acting helpful and never respond. I have gotten an attorney with a copy of that attached to their email as well, no help. I need my funds.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (TX)

Ask Discover Card for a settlement however they couldn't come up with a solution for me. I only received SSA and that very limited income. 


Also, I would like to know when it was charge off, age of the account on company letter head. 

If its collectible would like to know what settlement offers available.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I reviewed my Equifax credit report and see XXXX XXXX XXXX hit my report with XXXX hard inquiries on XX/XX/XXXX and XX/XX/XXXX. I have not in any way authorized XXXX XXXX XXXX to perform any services related to buying a car or servicing me in any way since XX/XX/XXXX. I bought a XXXX in XX/XX/XXXX and have not shopped for cars since. These credit inquiries are 100 % unauthorized and Equifax will not remove them.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

Duplicate mortgage payments in the amount of {$1500.00} each were sent for the XXXX and XXXX payments, XXXX. This was due to the fact that my mortgage has been sold three times, XXXX to XXXX to Freedom Mortgage and the autopay for my XXXX XXXX  account was not cancelled for LoanCare so that Freedom got two payments for XXXX and two payments for XXXX ( attached ). I called Freedom Mort at least a dozen times explaining the situation and that the duplicate payments were in error and not to be applied to principal of the loan. I received a message that I would get a refund upon supplying my routing and account number which I did on XX/XX/XXXX ( attached ). I called again on XX/XX/XXXX and was told that I would get the refund on the following Tuesday, XXXX. I have not received it. 
I am on a fixed income and can not afford to not receive my refund. It is the height of hypocrisy that I have to make my payments on time, with no mercy for being late, but they can take their time on my refund and not comply with their promise. 
I appreciate whatever you can do to get me my refund that is due to me.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On or about XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information to credit reports ( transunion, XXXX XXXX XXXXXXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a business checking account with Bank Of America which was opened over 5 years ago. Unless I keep a balance of {$3000.00} Bank Of America charged my account number ending in XXXX {$16.00} monthly. It was hard to maintain 3000.00 monthly. 
Now it got worse ; the new requirements now is to maintain {$5000.00} It has been difficult to maintain {$5000.00} so Bank of America keep charging my account {$16.00} monthly. 

I tried talking to them but it is of no use. 
The monthly charges of {$16.00} continue to no end. 
From XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date : XX/XX/2022 @ XXXX
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score. 
Credit reporting agencies are run on impersonal algorithms. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every 24 hours. 
My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change. 

The impact of a credit score contributes to the livelihood of families across America. 

My credit score should be considerably higher yet, swims in the same pool for years now. 
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TN)

I notice this company via certified mail. I was never noticed my mail from SUNRISE CREDIT SERVICES who will be responsible parties to this complaint. According to violation of The Privacy Act of 1974 ( 5 U.S.C. 552a ) requires that the following notice be provided to you : The authorities for collecting the requested information from and about you are 421 et seq. Privacy act laws require authorization or no action can be taken. Show all pages of the assignment document that XXXX XXXX sold the account, providing what day it was purchased, how much it purchased for authenticated copies of information that XXXX XXXX XXXX Corporate Office sold this alleged debt?. I deny any and all affiliation between XXXX XXXX XXXX and SUNRISE CREDIT SERVICES Copy of any communication sent to XXXX XXXX before reporting to the credit reporting agency ( ies ) Front and back copy of an authenticated application bearing XXXX XXXX XXXX autograph? Any documentation given by SUNRISE CREDIT SERVICES authority to report on XXXX XXXX XXXX 's consumer credit reports. 

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I ( name of complainant ) legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
Consumer complaint received 2022-10-07
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. (MA)

Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, XXXX, XXXX and Transunion, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting XXXX, XXXX and Transunion to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
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 an account without my written instructions. I have never given any instructions to this company to furnish this account. 
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. Checking the reported account, it has missing information reported in XXXX, Transunion, and XXXX. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All three credit report agencies are reporting incorrect credit usage that is attributing to my lower credit score. 
Credit reporting agencies are run on XXXX XXXX. There is no personal connection to the state wide infrastructure of credit reporting. Credit reports fluctuate on a daily, thus should be updated every XXXX hours. 
My credit usage has dropped significantly yet my score has dropped. Likewise I have had an item removed and updated- with no change. 

The impact of a credit score contributes to the livelihood of families across XXXX. 

My credit score should be considerably higher yet, swims in the same pool for years now. 
When will the government step in and hold accountable the credit reporting agencies to honor the families across his great country that contribute to the economy.