davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (GA)

On Friday XX/XX/XXXX a transaction was processed to my account from XXXX XXXX for {$100.00}. This money was taken from my total balance, and at the time there was around {$500.00} left in the account. Either the next day or on Monday, a {$40.00} transaction from Acorns was processed to my account. The funds were available in the account at that time. 

On Tuesday XX/XX/XXXX, Chase charged two {$34.00} overdraft fees to my account for both of those transactions. The explanation was that the money was being held by the vendor and didn't process until after the initial dates they were supposed to have come out, but if my balance was already reduced by both of those amounts, I should not have been charged fees on those transactions. 

I would ask that both of the fees be reversed. It is unfair for banks to say they are " holding the funds '' and waiting on the vendor when the balance on the account was show that the funds have already been taken out of the account and sent to the vedor.
Consumer complaint received 2018-10-09
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: SYNCHRONY FINANCIAL (TX)

I Received my credit report showing a inquiry from XXXX/LOWES on XX/XX/XXXX & XXXX on XX/XX/XXXX that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I do not have any means of applying for any credit cards as I can not afford any more debt. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.
Consumer complaint received 2022-06-10
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. (TX)

It appears that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 

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 If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NH)

I have had my home and the same mortgage company since 2015 I believe. I have made every single payment on time up until Covid-19. I filed the correct paperwork and I called my mortgage company to opt for the deferred payment plan. I'm now receiving bills that say I owe over {$11000.00}, my credit score has taken a complete dive and now its about a XXXX which is absolutely awful. 
I've called Loancare over 10 times, get put on hold, get a supervisor with promises to call back the next day and never do, got an email stating I would hear back with 15 days which never happened. 
This is the time for people to refinance their homes because of the rates and I'm not able to because it looks like I'm currrently behind in my payments. 
Since my restaurant reopened and I was back to work I started to once again make my payments on time after the 90 days that I asked for. 

I'm currently on the phone with them as I type this and again I'm being given excuses and told a supervisor will have to call me back. 

There must be something someone can do to help me.
Consumer complaint received 2022-06-10
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. (NY)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

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} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-10-30
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. (SC)

I pulled my credit report from XXXX XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. XXXX Never responded and the other two credit bureaus never deleted the accounts
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

XX/XX/2021 I went grocery shopping at XXXX and wanted to purchase a {$400.00} XXXX gift card. 
Cashier states that can only put {$200.00} on at a time but can run the same card twice. 

Made initial purchase of groceries and {$200.00} gift card ( 1st gift card ) for {$310.00} Cashier attempt to put {$200.00} more onto the same gift card ( 1st gift card ) and said it did not work. I have attached a photo of this receipt. In the upper right corner you can see UNAPPROVED Grabbed another gift card ( 2nd gift card ) off of the rack and put {$200.00} on it.

I ended up with three transactions on my card. 1. {$310.00} ( {$110.00} groceries an
d a {$200.00} gift card ) 2. {$200.00} ( no money applied to the gift card ) 3. {$200.00} ( {$200.00} gift card ) Since the second transaction failed, this resulted in me paying {$600.00} for gift cards and only receiving {$400.00} in gift cards.

I opened a dispute with Citi for {$200.00} Over the past months, I have called numerous times and continually given that an explanation that they are looking into it. Then I get a letter saying that too much time has past and they can not do anything. They have never provided any explanation of what their findings are. I do not have recordings of my calls but I am sure they do. I am attaching all the written/electronic correspondence they have sent me. While in the XX/XX/XXXX letter there is reference to a response from the Merchant but the attachment is unreadable, Citi never provided any other explanation. 

I am not understanding why : They have not contacted the GC provider and XXXX to clearly see, where did the missing {$200.00} end up? 

Also attaching image of the 2 gift cards as well as XXXX balance page. You can see the them about 5 lines from the top on XX/XX/XXXX. 

Thanks for looking into this. I has been a extraordinarily frustrating. Each customer representative I spoke with kept saying that this was going to be resolved in my favor. I now understand this was simply a ploy to keep dragging this process out as long as possible.
Consumer complaint received 2022-12-28
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Consumer complaint received 2022-02-03
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. (WA)

The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX
Consumer complaint received 2020-10-30
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. (GA)

Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my Experian that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my Experian that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.
Consumer complaint received 2022-06-10
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. (NY)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (WA)

This SPECIALIZED LOAN SERVI XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SPECIALIZED LOAN SERVI XXXX
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

XXXX XXXX I had a fraud case. I have summitted everything plus extra documents to relia card and was told all documents was accepted. Now they have told me the fraud case was closed the money was out back into my account but refuse to unlock my card. They keep telling me to upload my i.d and keep submitting the same documents I have all month long that have already been approved. They allow my direct deposits to go through each week but will not allow me to access my funds. I am a single mother I have complied every way their company has ask n told me to and I am going on two months being locked out from using my account and debit card.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LendingPoint Holdings LLC (NC)

On XX/XX/21 I received an email from : XXXX XXXX  c/o LendingPoint LLC Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Telephone number : XXXX This company 's email said they had checked my credit and were denying me for a loan. It said they had gotten my info from XXXX. I NEVER applied for a loan through any company, nor authorized anyone to run my credit.
Consumer complaint received 2020-12-09
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. (FL)

I'm a victim of identity theft, this is wrong when Creditors do not verify new and open accounts. I did not give Consent on theses account, someone used my personal information without my Authorization.
Consumer complaint received 2022-06-10
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)

It appears that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 

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 Balance : {$110.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-02-03
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. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-10
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)

I sent a letter to the 3 Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I have a mortgage loan with TD BANK N.A. XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

TD BANK N.A. XXXX