davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Per the advise from a CFPB representative, I am filing this second complaint for the same unresolved issue. The first complaint was sent XXXX of this year 2020 and Lakeview Loan did respond apologizing for the inexcusable extreme delay promising an expedited process to complete my streamlined refinance ASAP. 

As stated in my original complaint, we started our streamlined refinance on XX/XX/2020. We even signed a new application with a closing date of XX/XX/XXXX. Today is XX/XX/XXXX and we are now going on 7 months with still no confirmation of a new closing date. Since the Lakeview response, our loan processor guaranteed my wife and I several dates for us to close but each date fell through due to items the loan processor failed to complete further delaying the process.
Consumer complaint received 2024-02-05
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. (AK)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681o is civil liability for non compliance. I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. I am requesting XXXX, XXXX and TRANSUNION to provide documentation used to determine reporting transactional history was authorized by me the federally protected consumer signed with a wet ink signature. XXXX, XXXX and TRANSUNION have 15 days provide me with name of person spoken to, documentation used and any proof of reporting authorization. This information is being reported and used fraudulently as I have not given authorization or permission to use it especially my non public personal information.
Consumer complaint received 2024-02-05
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-14
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. (MI)

I AM A RECOVERING VICTIM OF IDENTITY THEFT, AND ALTHOUGH THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT, THE FRAUDULENT INQUIRES HOW EVER ARE STILL REPORTING ON MY CREDIT REPORT. XXXX XXXX, XXXX, XXXX/XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have contacted Transunion, XXXX XXXX XXXX several times asking to remove 1 old address : XXXX XXXX XXXX XXXX XXXX DC XXXX, Also old phone numbers due to fraudulent activity on my credit report. The phone numbers are here listed below XXXX. ) ( XXXX ) XXXX XXXX. ) XXXX ) XXXX XXXX. ) ( XXXX ) XXXX ( XXXX XXXX. ) ( XXXX ) XXXX XXXX. ) ( XXXX ) XXXX XXXX. ) ( XXXX ) XXXX XXXX. ) ( XXXX ) XXXX XXXX. ) ( 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 2024-02-05
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. (FL)

I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 
Timeline of Events : 1. Account Opening - I initiated the account opening process at one of your branches.

2. Initial Follow-Up - After not receiving any communication regarding my account status, I contacted the customer service hotline to inquire about the delay.

3. Second Follow-Up - With no resolution, I visited the branch in person to seek assistance and was assured that the matter would be resolved shortly.

4. Subsequent Attempts- Despite multiple follow-ups via phone calls and in-person visits, the issue remains unresolved, causing frustration and inconvenience.

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference.

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within specified timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX XXXX Balance : {$140.00}. 


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Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Pursuant to 18 USC I owe no debt. This company is violating my right to privacy according to 15 USC 1681 b 2. This company also doesnt have permission to publish anything.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I have a duly executed Power of Attorney to assist my elderly mother with financial and other issues. I have jumped through every hoop Bank of America required, including having the attorney who prepared the document, which has been accepted by numerous other financial institutions, redraft and my mother and 2 witnesses re-sign, due to a minor and completely inconsequential typo that caused the BOA legal department to reject it. 

All I am trying to do is assist my mother to be sure her bills are paid and finances are managed to help her stay in her home and out of a XXXX XXXX  for as long as possible. She is XXXX years old and refuses to use technology. I live a 5-hour drive away and need to be able to manage things remotely. I have set up online banking for her, but because BOA prevents me from having my own online access as Power of Attorney ( for reasons no one there can explain rationally beyond, " it's our policy '' ) I have been using that access as my only avenue to pay her bills remotely. 

BOA disabled her online access and notified us that I am not authorized to use the account, and the only way I can be is to be added as a co-owner. Every piece of legal advice I have gotten recommends against this, so as not to saddle one another with any liabilities that should be individual, suggests that I may be slapped with gift taxes by being added to this account, and that because it will cause the money to pass directly to me upon her death, create issues with inheritance to be split according to her will. Bottom line is that it seems ill advised to make myself a co-owner, which is why we went the route of paying an attorney to prepare the POA, which Bank of America has essentially rendered useless unless I drive 5 hours to be in the same room as my mother every time I need to access her account, which is highly impractical. 

I believe we have tried to do the right thing at every turn, and yet have absolutely no recourse with the bank and its ridiculous " policy. '' They have defeated me - I am dragging my mother, with her walker, to the bank this afternoon to do their bidding and add myself to this account and deal with whatever the fallout from that becomes. But I would like to protect others and help change their insane system that is designed to prevent family from helping one another. Can CFPB help in any way??? I have beated my head against the Bank of America wall until it hurts and I give up.
Consumer complaint received 2024-02-05
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. (FL)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 


I initially brought this matter to your attention and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account.

Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue.

Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account.

Implement measures to enhance the security of my account and prevent future occurrences.

I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) XXXX Balance : {$2000.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-14
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. (TX)

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXXDate of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In my follow-up complaint today, I am providing an update on my recent complaint. According to FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX in my case. I have attached documents to facilitate the removal of inquiries that are inaccurately posted on my credit report. The following list comprises inquiries that do not belong to me or were opened without my permission : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -- -- XXXX -- -- -- XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to expunge any items in the file of a consumer identified as information resulting from an alleged identity theft, within 4 business days of the date of receipt.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Curtwright & Klein, LLC (KY)

Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line.
Consumer complaint received 2020-06-30
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (TX)

Starting in XX/XX/XXXX, I began the process of refinancing my VA Loan. I kept making payments, and sent in my payment on time for XXXX. FREEDOM MORTGAGE CORP, decided to not apply the payment and instead sent the check back around XX/XX/XXXX. I still was on late as the payment wasn't due until XX/XX/XXXX. I then tried pay by phone and they stated I was not eligible to make a payment over the phone because I was in the process of refinancing. FREEDOM MORTGAGE CORP then even before 30 days past sent a late payment of 30 days to all of the credit Bureaus, I believe in an effort to prevent me from refinancing. Luckily I was close enough to closing that it did not affect my negatively at the time. I contacted Freedom Mortgage Corp Loan at ( XXXX ) XXXX about my Mortgage ID number is XXXX, they at first tried to deny that I sent them a check so I forwarded them a copy of the check and the return envelope they said they would fix the error, but nothing ever happened. I am in the process of relocating to another state and need to be able to purchase a home using my VA Loan privileges again and I am worried this will negatively affect my ability to get a loan or at the very minimum prevent me from getting as low of an interest rate as possible. I have sent multiple disputes using the various Credit Bureaus and the dispute keeps coming back that the record it accurate. I am hoping I can obtain some help from you in this matter. I will also try and reach out to the VA Home Loan Group and file a complaint there as well, because I am sure I am not the first Veteran to be treated this way by FREEDOM. They address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. 
I really hope you can help me out with this problem. Thanks so much
Consumer complaint received 2024-02-05
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of James R. Vaughan, P.C. (AZ)

In XX/XX/XXXX I opened a XXXX credit card, I had a {$1400.00} balance and I defaulted on it a year or two later. In XX/XX/XXXX they tried to put a lean on the checking account. Since I 'm on XXXX they could n't take money since I get government checks. Skip to XXXX XXXX, I got a letter from one of my credit card companies that they were inquiring my information. I called to find out what was going on. They said that I owe {$4700.00} and I needed to pay it back or they were going to take court action. I asked if it could be reduced to the original amount plus lawer fees they rejected it and said I had to pay back the full amount. So to avoid the court action I agreed to pay {$100.00} a month for a year then $ XXXXfor a year then {$150.00} for another year, with a final payment of {$91.00}. They said that was the only way to avoid court action. Being on XXXX I can NOT afford this. I say one of your reps on XXXX XXXX, so wondering if you can help me in this matter?
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

I have been trying to withdraw some of my btc to verified XXXX account for 2 days now and the sell order stays pending for 2 hours and gets cancelled every time. I used the XXXX sell feature before and it worked flawlessly ( other than the fact that it said my funds will be available the next day when they came instantly ). Now I ca n't sell any btc instantly. 
Account email : XXXXXXXXXXXX
Consumer complaint received 2024-02-05
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. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Account XXXX XXXX Account # XXXX Date Opened : XX/XX/2017 High Credit : {$1000.00}