davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (TX)

I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXXXXXX in XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX to ask for an extension on the payments. After receiving an alert from credit karma stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30  days late. I explained the situation to XXXX  XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6  years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11 months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on XX/XX/XXXX.
Consumer complaint received 2015-09-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX, 2015, I went outside to check my mailbox and I noticed a manila envelop hanging on my door with a note to call BOA XXXX Bank of America XXXX immediately. I had been home all day and no one knocked on my door or rung my doorbell. So, I called. I did not get the name of young lady I was speaking with but she was very condescending. 
BOA was contacting me regarding my XXXX payment .... My payments are due on the first, I have until the XXXX, so my payment ( at that time ) was only 3 days late. I tried to explain to her that I was waiting on my next paycheck to be able to make a full payment. She wanted me to obligate myself to a specific date and I told her I would not do that. She preceded to let me know that BOA could move forward with foreclosure on my house if I did n't make some sort of payment arrangement. I told her that I was not even a full month late but she firmly stated that if I did n't make some type of arrangement with them, foreclosure was the next step. I did n't understand how that could be possible due to the fact that I was not ( am not XXXX an entire month late with my mortgage and it is paid up until XXXX. 
I did not make a payment arrangement but I did agree to let her send me out some type of package with information to complete to see what can be done to keep my house from going into foreclosure. 
Once again, I am not even a full month late and BOA is threaten me with foreclosure. How is this possible. It is my understanding that a mortgage company can go forward with a foreclosure unless a person is 120 days late on their mortgage. How can BOA do this???
Consumer complaint received 2023-06-05
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: ACIMA CREDIT, LLC (PA)

ACIMA DIGITAL is not under any LAW required to report any of my private consumer transactional information. ACIMA DIGITAL HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed ACIMA DIGITAL on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that ACIMA DIGITAL CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/ ACIMA DIGITAL has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. ACIMA DIGITAL appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. ACIMA DIGITAL is in willful noncompliance!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-28
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. (NY)

I signed up for a Transunion account so that I could place a fraud alert on my credit report. In order to try to get to the page with the free fraud alert, they asked for my credit card number. Nowhere on this page was a price listed, so I assumed this was just to keep on file. They charged my credit card for a subscription. When I logged back into the account to access the service they said was included in my subscripted ( a 3-agency report ), they tried to charge me an additional {$29.00} for the report they said was included with the subscription. When I tried to call to complain about this, all I got was a recorded message saying nobody was available to help. This is ridiculous. Getting a credit report should be ( and is ) free. Transunion uses shady internet rerouting to force people into paying for free services.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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 remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$480.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MO)

I made a credit card transaction and they are withhold nearly 50 % for 21 days. I checked my limits BEFORE even doing this transaction and was WELL under the amount specified. They claim I have a " reserve '' in the amount of {$2000.00}. There was never an e-mail sent claiming they were updating any of my limits/placing a reserve on my account. There was nothing in my account stating any such limit, until AFTER said credit card transaction was made. I have the screenshots of my account limit area and there is nothing to be found in this area.
Consumer complaint received 2022-08-08
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: CLGF Holdco 1, LLC (NY)

CB INDIGO Card Services, XXXX, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Consumer complaint received 2023-06-04
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (MD)

In late XXXX I discovered a collection on my credit report ( s ) from I.C. System, Inc. in the amount of XXXX XXXX, XXXX XXXX, XXXX Dollars and XXXX XXXX  ( {$1100.00} ). I sent two separate debt validation request letters to I.C. System, Inc., both of which were sent via certified mail with return receipt requested. The first letter was sent on XX/XX/XXXX, and the second letter was sent as a follow-up on XX/XX/XXXX. Despite following the appropriate legal requirements for requesting debt validation, I have yet to receive any response from I.C. System, Inc. This lack of response raises serious concerns about the validity and accuracy of the debt in question. The FDCPA clearly stipulates that debt collectors must provide consumers with certain information upon requesting that I.C. System, Inc. prove that they are in compliance to collect such debt including the original contract with my signature of the debt, the name of the original creditor, and the amount owed. By failing to respond to my debt validation letters, I.C. System, Inc. is in violation of these provisions. I would like to emphasize that my intention is not to evade legitimate debts or disrupt lawful collection efforts. Instead, I seek transparency, accuracy, and fairness in the debt collection process. As a consumer, I have the right to verify the legitimacy of any debt being pursued.
Consumer complaint received 2024-02-14
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-04
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: LEXISNEXIS (TX)

There is an issue with fraud alerts, credit freezes and unknown credit inquiries appearing on my credit report. XXXX has allowed unknown sources and dangerous individuals and organizations to access my credit file placing me and my children 's life in danger all because I am no longer paying for a membership. 

Credit bureaus are private companies not the government and they need to stop taking advantage of American citizens. I am a Veteran and I have the CRAs selling my information without my consent- it is actions like this which contribute to the country falling apart. Stop helping criminals and protect American citizens information under law.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I sent a XXXX payment via Chase bank and they deducted the amount from my checking account twice. I was not notified in any way by Chase that they had made a mistake. I only noticed a day later that the transaction had gone wrong. They have still not sent me any official notification or explanation of why they charged me twice.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-06-04
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. (ME)

In XXXX of XXXX I received a call from a Citibank representative asking me if I had made some cash withdrawals on my Citi XXXX  card at a XXXX in XXXX Hi. I answered " No ''. She recommended canceling the card and reissued me a new one. When I asked about the fraudulent charges she said that they would be transferred to the new card and after an investigation if it was found that the charges were fraudulent, the withdrawals and any accumulated interest charges would be removed. I was told the investigation could take up to 90 days and that the investigator would get in touch. A month or so later I received a letter from Citibank saying that the investigation was finished and that there was no fraud found because it was determined that my card chip had been present when the withdrawals were made at the XXXX in question and because I had not lost or lent the card to anybody, it was my responsibility. On XX/XX/XXXX I sent a letter disputing their determination and included my banks debit card records showing I was in XXXX at the time of the withdrawals. It has been 6 weeks now since they received the information and as of today I am still being held responsible for the fraudulent activity.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (NE)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

WELLSFARGO froze my account had no access to account they notified me my deposit will be on hold .after someone withdrawed money without my knowledge or consent I had identity theft since that they forward and they did not returned my money but they did closed my account.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NY)

I received a Debit card from M & T Bank in the mail. I never open an account with this bank. When I contact the customer service from M & T Bank asking question pertaining to that account, I was told the account was flagged as fraud and the account was closed. I sent a letter to the Bank asking for confirmation that the account was open in a fraudulent matter and the account has been closed. As of today I have not receive a response to my request.
Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OR)

Rocket Mortgage severely underestimated taxes on the original loan estimate. According to the loan XXXX this is due to their systemic process they use to pull the last tax bill. This means this is happening to other borrowers. 
Rocket Mortgage promised reduction in new tax estimate once we received XXXX status. They claimed they called XXXX XXXX on our behalf to confirm. We only learned at signing that this would not apply in Oregon. 
Rocket Mortgage never responded when I reported that I thought there was a compliance violation.