davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX/XXXX  XXXXXXXX XXXX and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXXXXXX XXXX XXXX Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX Inquiry done on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.
Consumer complaint received 2023-04-07
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)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX OPENED ON XX/XX/XXXX - XXXX XXXX OPENED ON XX/XX/XXXX - XXXX XXXX OPENED ON XX/XX/XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NJ)

ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX
Consumer complaint received 2021-12-01
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. (SC)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

Recently refinanced my mortgage. Servicing was transferred to Truist and received the transfer instructions with first pay XX/XX/XXXX. Have been trying to set up auto-draft for 3 days now and never gets completed ( just says its working endlessly, so long keep getting logged out ) So attempted to call them on the number provided. Was put on hold for 25 mins and then calls keep getting dropped. Same thing with chat option. 
They are not fulfilling their consumer and customer service obligations, I want to not have to deal with this every month and the inability to set up the monthly payments online as they represent is a failure to fulfill their obligation as a consumer facing servicer..
Consumer complaint received 2018-02-21
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: CITIBANK, N.A. (MD)

On XX/XX/XXXX Sears/CBNA responded to CFPB complaint still opened with Citibank alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX Sears, Citibank, and Sears/CBNA  has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. Sears/CBNA reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX  did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. Sears/CBNA has been making new activity ongoing
Consumer complaint received 2023-04-07
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)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.
Consumer complaint received 2022-11-19
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)

I am submitting, once again, this CFPB Complaint to request to you to correct the information you report on the following account. When I checked my credit record, the previously disputed erroneous accounts are still reporting inaccurracies on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$690.00}
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (CA)

This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX XXXX
Consumer complaint received 2018-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I have tried to work this out for many years this loan is my second mortgage, but we have been trying to work with Ocwen Loan Servicing our Second Loan. 

Ocwen has put our home in foreclosure with a sale date. We have a first mortgage this loan is in second position. 

They want us to pay them as of XXXX XXXX the payments they wanted in a lump sum of {$290000.00} This second mortgage is constantly putting us in foreclosure. We really need your help. 

They will not work with us. They will not give us a workout for this loan or modification. 

This second mortgage is subject to our first mortgage with XXXX XXXX.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I financed my vehicle with Toyota financial in XX/XX/XXXX and was to make my first payment XX/XX/XXXX. I made this payment then my due date changed to the XX/XX/XXXX. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XX/XX/XXXX which was not due yet. I called Toyota and they told me they did not report false information and I need to handle it with XXXX myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX toyota again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.
Consumer complaint received 2022-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not obtain a job, can not apply for credit, and can not obtain a SBA loan due to the pandemic. Under this crisis, you have hurt my ability to use my credit.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XX/XX/18 On reviewing my checking account I noticed a check had been altered from {$230.00} to {$1200.00}. Reported the discrepancy to Citizen '' s bank immediately! They started a claim # XXXX. Despite numerous followups I have been unable to resolve the difference. The claim # was subsequently changed to XXXX
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NE)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-19
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. (IL)

In XX/XX/2022 I received a notification from XXXX and Transunion that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with XXXX and Transunion and they both said they can't do anything about it despite having solid proof that payment was made and received on time.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I received a notification from Bank of America that my savings account would be converted to a checking account due to more than six ( 6 ) transactions being processed against my savings account. See document attached. The letter indicated that this was a third notification, however, this is the first letter I received and the notifications and documents in my account do not reflect this as a pending action. The debits are automatically scheduled payments monthly. Had this information been conveyed, I would have been able to adjust my accounts- and deposits- accordingly. For further reference, I am a high-balance, Platinum-Preferred member since XXXX and the accounts have been open since XXXX ( first with XXXXXXXX  XXXX ). 
When I contacted Bank of America at XXXX on XXXX, after initially speaking with a first-line customer service representative from the XXXX XXXX, Rhode Island XXXX XXXX XXXX I was routed to the manager on duty who identified himself as XXXX. Upon explaining my situation he indicated that this was standard practice and happens often and was as a result of Regulation D from the Patriot Act and was outlined in the terms of the account when opened. When I indicated to him that the account was opened in XXXX and therefore what he communicated to me was incorrect due to the timing of the Patriot Act, he then returned to blaming Regulation D and indicated that there was nothing [ he ] could do and that once the process started, it would automatically convert. When I advised him that the Federal Reserve has indefinitely suspended the six transaction limit associated with Regulation D due to the COVID-19 pandemic and - consequently - the governing logic he provided to me was incorrect, he had no response. In fact, he then stated that Bank of America would be taking this action irrespective of the lack of receipt of prior notifications regarding this potential impact. I am extremely concerned regarding the lack of concern regarding providing appropriate notification- especially when I have both paper and electronic notifications turned on for this account. I am even further disturbed that this individual who reflects regional management and stated multiple times that he processes these actions frequently would fail to have basic knowledge regarding the governing regulations of the accounts and legally authorized changes to account management. The obfuscation was breathtaking and- when caught communicating incorrect information - the individual had no meaningful response.
Consumer complaint received 2022-05-02
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. (LA)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

.On XX/XX/XXXX of this year, I contacted CapitalOne to find out how they are applying my payments to the 0 % balance transfers that I currently have. 
XXXX ( on XX/XX/XXXX no last name supplied ) and a XXXX ( on XX/XX/XXXX refused to give a last name ), both told me that most of the monies from the payments I made were applied to the 0 % that were due the soonest ( and were the oldest ). 
Yet as I looked over the last 6 statements, I saw that it was not occurring. 
And to complicate matters, CapitalOne admits to, and says corrected, a glich in their balance transfer system. I transferred {$2600.00} on XX/XX/XXXX as a 0 % transfer for 18 months, 3 % fee. Yet their software changed it to 25 % interest, no fee, on {$2600.00}. 
That has been corrected. 
BUT the big problem is that once the {$2600.00} was changed to 0 % ( with 3 % fees applied due XX/XX/XXXX ), all the monies that I sent to CapitalOne were now being applied to the {$2600.00}, not the {$4400.00} that was due to lose 0 % in XX/XX/XXXX. 
For the XXXX statement the amount was {$4400.00}, for XXXX the amount was {$4400.00} and then for XXXX the amount was {$4200.00}. 
Yet the 0 % due XX/XX/XXXX was now at {$950.00}. 
And the 0 % due XX/XX/XXXX is at {$3400.00} I budgeted out every 0 % balance transfer I made, yet the largest and soonest due was not applied the correct funds. 
And they refuse to rectify this problem. And I will have to come up with over {$3000.00} to keep from paying 25 % interest on the original amount of {$5000.00}
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I was charged {$400.00} twice ( {$800.00} ) on XX/XX/18 with NO AUTHORIZATION. These are not duplicate charges, as I did not make any purchase in the days leading up to XX/XX/18. I am very disappointed, and this money is important to me. Please resolve this as soon as possible. Apparently this has been a repeat issue with Coinbase. 

Attached is a copy of my Coinbase transaction records and the bank transactions in question. Unfortunately Coinbase did not offer a ticket number for my records, but I have contacted them via email ( the recommended method per Coinbase ).
Consumer complaint received 2022-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VEROS CREDIT, LLC. (CO)

I have made several attempts to get information on the whereabouts of the vehicle. I was not provided with. **When was it sold? **What is the amount of the sale of this vehicle after I surrendered it? **If there is a deficiency, why was it sold for less than the amount owed? I have sent out a letter to the original seller on XX/XX/2022, & XX/XX/2022, with no response
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted TransUnion about an inquiry on my credit report around XX/XX/2017. The inquire wasn't authorized by me and should of been removed. It wasn't removed by Transunion due to them telling me it has been verified. I contact the company which was XXXX XXXX and get a letter stating the item wasnt authorized and will be removed from all credit reports. They sent me letter in mail stating that it will be removed. I contact transunion and i faxed and mailed in proof in writing and transunion still refuse to remove it from report at this time. I have been having proof since XX/XX/2017 and they still haven't took the proper actions with removing it from my reports.
Consumer complaint received 2023-04-08
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 submitted a letter to the 3 Credit Bureaus to update this 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, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$19000.00}
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter to transunion on XX/XX/2020 regarding some inaccurate information that I requested be removed. They never replied and it has been over 60 days. They are in violation of the Fair Credit Reporting Act and are negligent towards the law. The accounts are XXXX XXXX XXXX and a XXXX Account.