davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (WV)

On XX/XX/XXXX of XXXX I called Vanderbilt mortgage company about a foreclosure home they had for sale I was in contact with a gentleman named XXXX that was the property manager for this company He offered the property to me at {$50000.00} then on XX/XX/XXXX of XXXX I called in to Vanderbilt in their mortgage department And filed over the phone with my XXXX XXXX XXXX son for this mortgage on this home with a XXXX XXXX and I told XXXX XXXX I had some questions about there rules about giving mortgage to someone that coming out of bankruptcy almost 2yrs after discharged and XXXX XXXX proceeds to tell me six months after bankruptcy I could file for a mortgage with there company and shouldnt have a problem so I told her my credit score from trans Union and she told me that would be fine because they just dont look at the score they will take the Consideration of everything and I shouldnt have any problem getting the mortgage So my son and I went ahead with the Application process Then on XX/XX/XXXX I received a phone call from XXXX XXXX at XXXX She asked me some personal questions about myself to assure it was me then XXXX  XXXX told me that there no programs with there company for me I feel that I was missed lead by this company by them saying there shouldnt be a problem financing me then rejected me for the mortgage even after they was going to sale me this property they have for sale at XXXX and then had me to get a mortgage at XXXX I have watched this property go from XXXX on XX/XX/XXXX all the way down to XXXX on XX/XX/XXXX then jump back up XXXX on XX/XX/XXXX This home needs the Septic tank put back into the ground and the water line replaced to the home before I would be able to move into it
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

I tried to open an account in XXXX of last year at the Truist Bank location on XXXX XXXX in XXXX. The CSR at the branch advised me he couldn't open an account due to previous fraud being reported in the system and gave me a number to customer service for more info. I called and was transferred to the fraud department where I was told they don't have any previous accounts opened with my information so they didn't see why I was unable to open an account. the rep opened a fraud case which was only supposed to take a max of 30 days. Its been 60 and I still haven't heard anything from them.
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have attempted to get proven fraud inquiries removed from my credit file. Police and the actual entity agreed it was not mine and pulled my credit from ID theft and not me. Transunion refuses to remove these inquiries even after 30 days and more up to 10 months. Force Transunion to obey the FCRA and remove these inquiries. I will list those in this complaint. But they were done with a different name and a different address that is proven to be fraudulent yet Transunion will not remove them. These inquiries were not permissible I did not give permission yet that is why they are keeping them on my credit file their claim is they were permissible. Yet every entity says they do not have any permissible inquiries in their system from me and Transunion continues to refuse to remove them.
Consumer complaint received 2023-01-09
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-09
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-25
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)

MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-25
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-17
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: Fidelity National Information Services, Inc. (FNIS) (MA)

Chexsystem has violated my federally protected consumer rights. Under 15 USC 1681 states I have the right to privacy. 15 U.S.C 1681 section 602a state a consumer reporting agency can not furnish and account or personal information without my written instructions. 15 USC 1681b allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other. ( 1 ) In response to a court order or Federal Grand Jury Subpoena. ( 2 ) In accordance with written instructions from the consumer to whom it relates and no other. I did not give Chexsystem written instructions or permission to furnish this personal information. They didnt receive a court order or subpoena. Chexsystem continue to violate the FCRA and violate the law with this dispute.
Consumer complaint received 2020-06-25
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. (WI)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-09-16
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WSFS FINANCIAL CORPORATION (GA)

THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX  OF XXXX GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX THE HOME WAS NOT ABANDONED BY THE XXXX NOR THE XXXX XXXX XXXX DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS, THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE WAS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY!
Consumer complaint received 2024-12-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (IL)

Amsher Collection agency XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX XXXX reported a debt from XXXX to all three major credit bureaus on XX/XX/year> account number XXXX in the amount of {$4100.00}. I later contacted the collection agency to inquire about the debt and was told that they no longer had the debt in their company it wasn't handled in a timely matter. It was transferred to XXXX XXXX law firm ; I was given a phone number to contact them XXXX they had no knowledge of my account.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Around XX/XX/2020, I spoke to XXXX XXXX from Amerisave Mortgage Corporation about wanting to refinance my current mortgage to a lower interest, down to a fix rate 15 year mortgage, I told m Mr. XXXX that I am not playing games and do not like games and or misleading information, and above all I like to be honest and upfront. 
I told him that I had issues with another company who I was trying to refinance with, as they change the original agreement terms and had to many different people calling me and they were not communicating amongst themselves. 
I told him I did not want to deal with the same stuff and if that was going to be their deal, to let me know right away and we can stop the conversation. 

Mr. XXXX stated that Amerisave is a honest and upfront company and will not change the terms agreed upon and if for whatever reason anything was to change they would let me know so that I can make my decision to continue or stop. 

At first they were friendly quick to answer questions and or email, they asked me to a down payment of {$520.00} refundable. 
After I made the payment communication became more and more difficult, to the point that neither Mr. XXXX, Mrs. XXXX XXXX or their supervisor answer any calls, respond to voice messages or emails. 

They continue asking for more and more documents, which are being requested by at least four other people, and even after I submit the requested information they continue asking for the same items over and over again. 

As of today, they have not reach out to me to either tell me to XXXX XXXX XXXX XXXX XXXX, to cancel or denied the refinance proscess, and continue not to answer any phone calls, voice messages or emails, I have reach to all of the people already mention to stop the refinancing and to ask for a refund, but no ones is talking any more. 

If this company is working with the Veterans Home loans and other government financial entities, this company should be investigated for potential fraud or at least enforce them to refund the deposit to any other veterans who may be dealing with this and to my self. 

If you please keep me inform or if you can guide me in the right direction so I can get my deposit back and warn others about this company. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

My mortgage loan is a federally owned XXXX XXXX loan brokered through PNC. I tried to invoke payment deferral under the CARES Act. I went to their website and filled out a form requesting CARES ACT mortgage payment deferral assistance. I never consented to the plan they have put me on either verbally or in writing. I received notification in the mail shortly thereafter misrepresenting the payment plan I requested. The paperwork they sent in response to my request for Covid related financial hardship assistance claims that I gave verbal consent to a totally different plan. I never spoke to anyone on the phone about this plan before receiving this paperwork. I worked hard to find the correct Covid specific financial hardship request form as it was buried under multiple pages on their site. I have spoken to them multiple times trying to resolve this matter. I have not consented to this plan in any way, verbal or written. 

PNC is refusing to issue me the appropriate paperwork to correct their mistake and sign me up for a 12 month consecutive payment deferral per the CARES ACT. I have requested paperwork for the 12 month payment deferral plan, and instead they either send me paperwork for a different forbearance plan ( usually regarding a balloon payment ) or tell me on the phone that I will have to wait until XXXX to get more information and that they simply do not have enough information to assist me. When I was on the phone with a representative today I was told that I had to listen to them read to me a list of my options. When I said that I want the option that they did not read, the representative said, yes that is an option too. When I asked why I was not read that as an option, she simply said " I am XXXX. Things are changing every day. '' It appears as though PNC is willfully misleading consumers into thinking they do not have the rights that they actually do under the CARES ACT and are not in compliance.
Consumer complaint received 2022-07-17
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. (PA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (TN)

In XX/XX/2021 I reapplied for Income Driven Repayment Plan through Nelnet attaching signed documents and affidavit statement of {$0.00} income as did not file with IRS. Nelnet 's dashboard for uploading documents then up loaded executed forms and non executed forms. It would not allow me to delete nor view uploaded documents. 

Nelnet continue to harass effort of non receipt and upon a second successful effort to provide them with documentation, uploaded to their dashboard. I am still receiving demand of already submitted. I do not and can not afford a phone and have effortlessly tried to comply with what is being asked of me. However Nelnet still harasses to default loans to garnish.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (DE)

I want to close my Ikea comenity account, my children 's place account and my comenity Visa credit card that got hacked into last month! As I no longer want to do business with comenity! I have called dozens of times to close my accounts but can't get anyone on the phone because comenity has been comprised by hackers and they completely shut down their phone lines! Theres no way to access this bank!
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My husband and I filed for XXXX  XXXX in 2019. We have the same mortgage ( SLS Loan Servicing company. ) since the bankruptcy started. We have been paying it electronically thru our banking bill pay since the bankruptcy started with my husbands pension. 
XX/XX/XXXX I paid the mortgage as usual and on the XXXX it was deposited back into my checking account. When I called I was told they will no longer accept my electronic check and that it would need to be a mailed check or thru XXXX XXXX XXXX  ( which is expensive ) or I can call and pay the mortgage and pay a {$12.00} ( which is being waived now because of covid but they said but they will start charging it again soon ) they said I can not do the automated pay by phone because its electronic, yet she would ( the customer rep I was speaking with ) take my payment thru debit ( is that not electronic? ) This makes no sense at all to me. They said they will charge me back interest once my bankruptcy is over if I mail a live check and they don't get it in time. They have been accepting my electronic check for the last 2.5 years with not one issue. I don't understand how they can do this ....
Consumer complaint received 2022-07-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

" We have conducted another investigation based on this new complaint submission. We were able to confirm that during the time of the transactions in question, the card was in your possession. We are respectfully declining your request for permanent credits. '' ... 

First of all, you don't " respectfully '' do anything. Secondly, you were able to confirm that the card was in my possession??? On what grounds?!?? You've responded to me 3 times regarding this issue, and all 3 times you gave extremely vague answers. Thus far you've given no supporting documentation to back up your allegations ... You claim you've conducted investigations, yet investigations include documents proving the cardholder owes the money ... And I am by law able to request copies of said documents ... 

So -- I " disrespectfully '' decline your refusal to my request for permanent credits ... Furthermore, if you report my account to a credit reporting company as delinquent after I don't pay, the report also must state that I don't think I owe the money. What's more, you must notify to me who gets these reports ... You also must promptly report any subsequent resolution of the reported delinquency, to everyone who got a report ... 

P.S. -- Close my account ASAP as I want nothing more to do with you dirty rotten people ...