davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I applied for forbearance due to loss of income related to XXXX. In XX/XX/2022, I was told by Citizens Loss Mitigation Department that the forbearance could be extended another 90 days until end of XXXX. 

In XXXX, on Citizens advice, we applied for the deferral payment option where the amount due is added to the end of loan. 

On XX/XX/XXXX, I called Citizens to check and they said I needed to pay two months mortgage so that my account is only 18 months past due which is a requirement for the deferral program. I made 2 months payments. 

On XX/XX/XXXX, I called Citizens and they said the the deferral payment is being setup and I should receive a letter. 

On XX/XX/XXXX, I called again to make a one month payment so that the mortgage is only XXXX months past due. 

On XX/XX/XXXX, I called again and was told the deferral payment program was denied because forbearance ended in XXXX and the XXXX last months were actually late payments and now the only option is loan modification. I made the full balance payment of $ XXXX or so to bring my account current and get it removed from loss mitigation. 

On XX/XX/XXXX, I called again because my online access has not been restored to make payments. They said the account is still under loss mitigation and the amounts charged are in a suspend account and not applied to the loan. I was told it can take 45-60 days for it to be removed from loss mitigation. 

Citizens has mislead me, caused financial hardship and stress. I am retired and only get social security income and on XXXX. They don't provide anything in writing even when I ask them to email me what they are telling me over the phone. I have wasted countless hours on the phone with them. 

Every time I call them, I first get transferred to a collections department in XXXX. I have to explain everything before being put on hold for the loss mitigation department. So just to make a payment is a 30 minute exercise.
Consumer complaint received 2022-12-15
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)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have recently reviewed my credit reports from TransUnion, XXXX, and XXXX and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX   XXXX. Please remove these items from my credit.
Consumer complaint received 2018-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I had two collection accounts with Portfolio Recovery Associates ( PRA ) - one for {$1500.00} and another for {$230.00}. Not even sure one of them is valid - beyond the point. At this moment in time, the collections are paid - and the predatory calling is stopped. 
I don't question the validity of the lower debt ( {$230.00} ), however, PRA, had broken several laws trying to collect money. 

PRA has been known to be incorrect on consumers balances, interest rates, and payment due dates in attempting to collect debts. PRA purchases large portfolios of consumer debt with balances that sellers claimed were " approximate '' or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. PRA continues purchasing these debts and collection on it without first conducting any investigation to determine whether the debts were accurate and enforceable. 

When trying to litigate the problems, their practices are not only sketchy but illegal. Personally, they pressured me into making full payments using misrepresentations. I can even remember at a point when the operator told me I would have these lines removed from my credit for paying in full. 

Finally, PRA violated the Telephone Consumer Protection Act while attempting to collect these debts, by their predatory lending practices. I would be more than willing to dig up inbound calls from my phone provider providing you can identify all their garbage numbers calling every 30 minutes. Not only did they call my personal cellphone, they called my PARENTS EVERY 30 MINUTES. ( see XXXX XXXX et al. v. Portfolio Recovery Associates )
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted Trans-Union to inquire about the inquires listed on my credit report that had been removed and then re-interested into my credit report without prior written notification and I am requesting permanent removal. Trans-Union refused to do so at the time of contact and that is why I am reporting through CFPB. Upon doing research I have noted that the following inquiries are to be inaccurate : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXXXX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (SC)

n accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

As of XX/XX/2020, I have sent monthly  letters to AMEX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that AMEX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I created my PayPal account in the year XXXX and I'm doing an smooth transactions with my clients international with goods and services offered but last XX/XX/XXXX, PayPal management permanently banned my account without asking for any information what I've done wrong even though I complied all their legal agreements.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (IL)

XXXX  UNAUTHORIZED INQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FinCo Services Inc DBA Current (GA)

I closed account due to customer service and was told my balance would be transferred to the funding source on account my other bank and I never received it all the money I have also i cant get a response no contact I would like for the money to be immediately transferred to my bank
Consumer complaint received 2021-02-16
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citicards CBNA. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$4300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-02-10
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. (PA)

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM XXXX AND EQUIFAX. XXXX HAS BEEN REMOVED AS FRAUD. SENT THE COMPANY IDENTITY THEFT REPORT, POLICE REPORT, AND PROOF OF RESIDENCY, AND STILL WILL NOT REMOVE IT. PLEASE ASSIST.
Consumer complaint received 2023-04-09
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. (OH)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-07-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC (GA)

I was working with a lady by the name of XXXX XXXX XXXX and she works for a mortgage lender Nexa MORTGAGE, and her and her husband XXXX XXXX the realtor deceived me by saying that they cut back on their commission and that I would have to pay her and her husband {$1600.00} before I could go to the lawyers office Tuesday morning the date was XX/XX/21. She threatened me saying that if I didn't pay her and husband the {$1600.00} dollars for their commission, I would not be able to sign that day. Also she said she would just add her commission back on their and I would not have any funds.. Then she forced me to sending a text saying that it was a gift, before I could go sign. I have text messages from XXXX showing this. I was so scared that I went ahead and did what they had asked because I wanted my house and plus I had already gotten a XXXX  to move all my belongings. Im a first time home buyer and they new I didn't have any knowledge about buying a home. But when I got to the lawyer office and he went over my paper work, he informed me that the seller pays the commission. XXXX and her husband XXXX XXXX is a bad mortgage officer and realtor. They are very deceiving.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Re : Formal Compliant against Syncb/Chevron and XXXX To Whom it May Concern : This is a formal compliant against both the Creditor Syncb/Chevron and Credit Bureau XXXX, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XX/XX/XXXX, The initial certified letter was sent to Syncb/Chevron and delivered on XX/XX/XXXX signed by employee XXXX XXXX. Syncb/Chevron has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XX/XX/XXXX to readdress the inaccurate reporting that is listed on my credit file with XXXX, once again this letter was delivered and signed for by an employee. Syncb/Chevron has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After Chevron failed to respond, I sent a dispute letter to XXXX to address inaccurate reporting listed on my credit file on XX/XX/XXXX, as it was delivered on XX/XX/XXXX and signed by XXXX XXXX. XXXX has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have realized that TransUnion has been charging me a subscription for something I did not sign up for. I have spoken with them and they can only tell me i signed up for a subscription, and allowed me to cancel WITHOUT A REFUND. The cause is from one of two things : either I tried to get a *FREE* credit report on XXXX XXXX, 2017 OR i signed up for a FREE " view my fico score '' through my new XXXX XXXX XXXX card 's phone app. The phone app said it was free access to monthly updates about my credit score. they wo n't even tell me on the phone how i *got* this subscription. I never wanted it, and it 's been charging me and i 've received zero information for anything i 've apparently been paying for. In either case, I am sure i am a victim of the issues I found that the CFPB has discovered, mentioned in the article here : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-equifax-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ What do I do to get my money back?
Consumer complaint received 2018-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I just recently started a new job in XXXX that partners with a company called XXXX to pay a percentage of their employees transportation fees. In order to take advantage of this you are required to create an account with XXXX and link a debit card with it. On Friday, XX/XX/XXXX, I tried to do this online but wasnt able to as I was prompted with a Capital One is blocking you from enabling external applications So I tried calling customer service at Capital One to resolve the problem but came to no avail. The representive didnt seem to understand the issue I was presenting to him. and I dont blame him, Im not entirely sure how to fix it or why its an issue at all- whether I should call and speak with a representive at XXXX or a different department/associate at Capital One, Im not sure. I tried again today to link my account with my debit card and was given the same message as before, but when prompted Im only given an option to either call Capital Ones customer service line, XXXX  Capital One, or write a complaint here at CFPB. I tried calling with no luck and I dont use XXXX so ... anyway I hope someone can help soon. XXXX subway fare can really add up.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm a government employee and I get paid monthly yesterday after I made a deposit to Bank of America located on XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX time. I received a print out receipt that shows that my money would be available until XX/XX/XXXX. I contacted the bank on XX/XX/XXXX after my deposit was made, I spoke to supervisor XXXX  who informed me that she was not able to assist me and that I had to wait until XX/XX/XXXX. I called the following day XX/XX/XXXX at XXXX XXXX  I spoke to XXXX I asked her about the Bank of America Policy in regards processing length for government checks at the begining of our conversation she said agree that It was withing one business day then she stated that it was about 7-10 business days. I email tried to contact Bank of America Branch where I made the deposit, I spoke to XXXX and she connected me to Customer service department where I was connected to a representative who's name is XXXX and she informed me that I can't have access to my funds until the XX/XX/XXXX, my mortgage and most payments are due on XX/XX/XXXX. My bank account shows as overdrawn. After contacting the bank multiple times no one is able to help me.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OK)

The apartment complex I live in at the Time was burglarized the police came to the apartment complex and arrested the individual. The apartment complex has a copy of the police report. The maintenance man told the manager he saw me leave. The apartment complex illegally added this debt to my credit report