davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (CA)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-01-27
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. (CA)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2019-09-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (AZ)

I have requested verification of my signature on something from this company thru XXXX. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. 
I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. 
I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Consumer complaint received 2019-09-22
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. (MN)

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX  is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2019-09-18
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: SYNCHRONY FINANCIAL (WI)

My XXXX profile shows two recent hard inquiries that I did not initiate. I called both institutions and they are canceling pending credit card applications that I did not initiate. I would like these hard inquires removed from my credit file : Syncb/tjx Dc Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information Syncb/tjx XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MA)

Dear CFPB, In XX/XX/2018 I contacted Citigroup regarding a problem on my account ( see attached letter Letter to Citigroup XXXX sensitive information in the email XXXX ) describing in details that a service that they provide to other customers of suppressing sensitive account information, such as account balance, amount of available credit, and amount of minimum payment due, in unsecured emails was not provided to me. 

Following my initial request in XX/XX/2018 I contacted Citigroup several times when I was receiving unsecured email messages that contained sensitive account information and exposed my account balance and other financial information to unauthorized third parties that handled the delivery of the unencrypted email message via the Internet. 

On XX/XX/2018 Citigroups executive response unit representative XXXX XXXX sent me a letter a copy of which is attached as response from Citigroup XXXX unsecured emails XXXX ) in which they claimed that my concerned was addressed, that the email messages being sent to me contain only the last four digits of my account number and do not contain any other sensitive information. XXXX XXXX response also contained a sentence informing me that Citigroup considers the matter resolved and will no longer respond to my inquiries regarding the fact that the email notifications I receive from Citigroup contain my account balance, minimum payment and available credit information. 

I have to emphasize that Citigoup provides the service that I requested of suppressing sensitive information in unsecured email messages to other customers, however they would not attempt to troubleshoot the issue related to my account and therefore my account is adversely affected. 

For Citigroups reference I am enclosing the last 12 statement notification emails that were sent to me via unsecured email messages. All of the messages contain sensitive information and most of them were sent to me after XX/XX/2018, the date that XXXX XXXX claimed that the matter related to this issue is resolved and Citigroup refused to consider any further communication from me regarding this matter.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Dispute of dispute investigation On XX/XX/2019, TransUnion received my letter and documents disputing errors XXXX made and reported about mortgage payments. The report was investigated and the two late payments were removed. However, two other dates that were showing on time on the pre-investigation report were showing late.
Consumer complaint received 2019-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

This is a complaint about Citibanks Citicard mishandling unauthorized transactions charges. 

It all started on XX/XX/XXXX when I received a FRAUD ALERT email from XXXX informing me about suspicious activity on my Citicard mastercard : Amount : {$380.00} Date : XX/XX/XXXX, Merchant : XXXX XXXX XXXX, Location : United States , Charge Status : Declined, Case number : XXXX. 

I immediately called the number provided XXXX, and confirmed that I indeed never initiated that transaction. My card # was deactivated, and I was issued a replacement card with new #. 

However, when I inspected recent transactions online I noticed three other unknown and unauthorized charges : 1. XX/XX/XXXX XXXX XXXX OH {$140.00} 2. XX/XX/XXXX XXXX XXXX OH {$27.00} 3. XX/XX/XXXX XXXX XXXX OH {$97.00} As soon as I found out about them, I immediately notified Citicard representative and I was assured that these charges are going to be reimbursed to me by the Citicards and I dont have worry about them. 

However, in the XXXX Statement ( billing period XXXX ), only the first charge of {$140.00} was reimbursed. 
On XX/XX/XXXX upon receiving that bill, I called and spoke with your rep XXXX. She assured me that {$27.00} charge reimbursement will show up in the next statement, but {$97.00} is still under investigation. 
On XX/XX/XXXX upon receiving statement for billing period XXXX I called again since none of the charges were reimbursed. Again, I was reassured that they will be reimbursed by the next statement. 
On XX/XX/XXXX I called again since no reimbursements were shown on the statement for billing period XXXX. I spoke with Sue who said that investigating agent XXXX will call me back with the status. No one called me back. 
On XX/XX/XXXX I called again and spoke with representative XXXX who assured me that credit for MACYS charges had already been issued and will show up on the next statement. 

The next statement ( billing period XXXX ) just came in, and again NO CREDITS. 

I feel extremely stressed and disheartened by this whole ordeal, especially by how Citicards company mishandles this case. 

On XX/XX/XXXX I faxed them a letter describing the above situation ( to FAX XXXX ) On XX/XX/XXXX I mailed the same letter to Citibank XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

Still, up to this date I have not received any response from Citicards to my multiple phone and letter complaints and the issue has not been resolved.
Consumer complaint received 2019-09-22
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Bureau Collection Services, Inc. (KS)

Cbcs companies are still making hard inquiries to my credit after i recently filed ( earlier this month ) a complaint they recently ran my credit again XX/XX/2019 without my knowledge or any consent cause my credit score to drop 28 points
Consumer complaint received 2019-09-22
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (IA)

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.

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 2019-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I have been attempting to complete a modification with Mr. Cooper for quite some time now. Initially my mortgage had a hardship with Nationstar and it was sold to MR. Cooper. They told me they didn't have to honor it and that I'd need to start all over which I did, back in XXXX of 2019. Although I am supposed to have a dedicated point of contact, everyone except this POC calls me daily. Although I ask them to speak to one person so that it cuts down on confusion that doesn't happen. I have filed multiple complaints with them directly for a number of reasons and now feel the need to escalate : 1. Someone was placing notes on my account that they were reaching out to me to work out a payment arrangement and they never did. I ended up calling in to check on the status of the modification and found this out. I sent an email from their corporate relations dept thanking them for bringing it to their attention despite the fact that their actions could've been detrimental to my family.

2. They were sending people to my home daily to complete an " inspection '' and charging me for it. They also left large and rather embarrassing notes on my front door despite the fact that they were in some sort of contact with me on a consistent basis and after contact an attorney they sent me a letter stating that they were within their rights they would stop. If something IS indeed within your rights why stop??

3. They call multiple times a day non stop and their answer is they are entitled to call me up to 9 times per day. Even when I tell them I am in the hospital or recently released from the hospital.I comply with every thing they ask of me.

4. They are extremely rude and inhumane when they do call.

5. When they calculated my modification they used my food stamps as income which you can not do and there were updates that I sent them that they did not take into consideration and completely overlooked which caused me to have to decline the modification and start all over again.

5. There is an awful lot of back and forth with the modification which I understand some is necessary however I will get calls and letters in the same day with conflicting information and is hard to keep up with what is needed and what exactly is happening. I now have a HUD counselor to assist however MR. Cooper does not want to work with her but she is my eyes and ears and knows this process better than I do and she is the expert.

I want to remain in my home. MR. Cooper makes it hard for me to believe that I recover completely and feel safe that I can get the modification I need. Every call I hear your home is in foreclosure, your home is in foreclosure.That adds stress. Trust me I know my financial situation, I also know its temporary.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (WA)

I paid my car payment on line and they said they received the car payment but 30 days later i received notice the the website never recorded my payment and that i had a 30 day late pay on my report to no fault of our own. I have tried to resolve the issue with the company but haven't had success.
Consumer complaint received 2019-09-23
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. (FL)

On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.
Consumer complaint received 2019-09-23
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)

On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.
Consumer complaint received 2019-09-23
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)

On Closed case # XXXX through the CFPB case, OPPLoans indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Today, XX/XX/XXXX, I logged on today to pay my Capitol One credit card. They said they needed proof that it me logging and said they had to send me a code to one of the two numbers they have on file. Both of these were numbers i canceled at least 10 years ago. I am sure they have my current number already, as I have had this credit card since XXXX. I tried to add my new phone number and the system said it couldn't accept it as mine because it failed a verification. Then they told me to take of photo my my driver 's license and send it to them. I thought this was odd and declined. Then they asked me a bunch personal questions to verify my current phone number and this was successful. Then I requested the code to my current phone and I didn't receive it. I requested it again and again and didn't receive it. Then they said they would a send me a temporary password and I never got that either. After 45 minutes, I gave up and hung up to punch the wall and scream. When I called Capitol One again, they didn't accept the last four numbers of my credit card even though I was reading it directly from the card, they said it was not my card. I was transferred a total of 7 times to various departments. One person told me a customer service agent had typed my phone number into the system incorrectly and that it why was I was not receiving texts. He went through the verification process with me again and corrected the error, putting my correct number in the system. Another code was sent to my phone and I still didn't receive it. The technician asked me what phone carrier I had. I said XXXX   XXXX. He gasped and said XXXX  XXXX does not allow texts from Capitol One through to their customers. He said there should have been an option to have a code texted to me by email but there was not. He said he could not assist further. I am unable to pay my bill. Total time attempting to pay bill 2 hours 25 minutes. Yes I did verify if it really was the authentic Capitol One I was calling. My name is XXXX XXXX. last four of the VISA are XXXX.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (ID)

I scheduled a student loan payment to American Education Services on the XX/XX/XXXX for a draft date of XX/XX/2019. This payment would have covered my XX/XX/XXXX due date. My student loan is due on the 1st of each month and I should not have received a negative reporting until the XX/XX/XXXX. AES reported a 30 day late payment for the month of XX/XX/XXXX. I have reached out to AES to resolve this on the XX/XX/XXXX to inquire and spoke to a manager. He advised that I should not get a negative credit reporting and he would initiate an internal dispute. To date there has been no resolution and my credit has been impacted tremendously. AES payment confirmation states the payment date is the day that the payment will be applied.
Consumer complaint received 2019-09-22
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. (SC)

First and foremost I do not want a fraud alert on my credit, it hurts the consumer and obviously doesn't protect the consumer. The attached table represents someone with a mid eastern voice calling several and multiple dealerships within XXXX, SC and throughout, submitting an over the phone application in my name, and the dealership or entity didn't verify the person on the other end of the phone was indeed the consumer that this information belonged to, and submitted it for credit approval at multiple places for some stated vehicles. This verification was done by calling the selected and reported businesses, and having been informed that the person wasn't me, based upon accent. The attached information, and table represent that these inquiries weren't performed with permission or authorization by me.