davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NY)

Ally Bank is not providing me with a legible copy of a processed and cleared check for {$2700.00} that was issued by them on my behalf through their bill pay service. The payee claims to have never received the check. The check was sent on XX/XX/XXXX and cleared on XX/XX/XXXX. I have requested a copy of the cleared check with an endorsement and banking information of the bank that cashed/deposited it but they have sent me two copies of a check with none of this information. As I stated before the payee claims to have not received this check. Ive spoken to at least six customer support agents and chatted with at least that many in the last two months and keep getting the run around or told the matter is resolved when it is not. Hoping for some resolution.
Consumer complaint received 2023-03-12
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. (GA)

From XX/XX/XXXX to XX/XX/XXXX, my questions and concerns ( or disputes ) regarding my XXXX  XXXX XXXX and XXXXDept. of Edu accounts have been redirected, ignored, reversed, denied, deleted, and added back to my consumer credit report with Equifax. This has been an on-going issue for over 1 year. The Agency will not permanently honor and add these account under my XX/XX/XXXX XXXX  XXXX Bankruptcy as closed with no late payments since XX/XX/XXXX ; although, the agency has re-added the bankruptcy to my consumer credit report.
Consumer complaint received 2022-08-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

XXXX XXXX DID NOT FOLLOW THE LAW. I ASKED FOR ANY ACCOUNT THAT I MAY HAVE BE REMOVED FROM MY CONSUMER REPORT DUE TO THE SIMPLE LAWFUL FACT THAT I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE WRITTEN PERMISSION TO THIS COMPANY TO FURNISH ANYTHING WITH MY SOCIAL SECURITY NUMBER ATTACHED. 

THEY EVEN STATED IN THEIR LETTER THAT THEY HAVE NO COPY OF A SIGNED AGREEMENT WITH ME. THAT IS PROOF THAT THEY CAN NOT VERIFY THIS ACCOUNT. I DO NOT LIVE AT THE ADDRESS MENTIONED IN THOSE DOCUMENTS THEY SENT OVER. THEY ARE COMMITTING FRAUD AND THIS BUREAU IS ALLOWING IT. I AM DISGUSTED AND WILL CONTINUE TO FILE COMPLAINTS DAILY TIL YOU ADHERE TO THE LAW AND SUBMIT TO YOUR FAULTS. 

THEIR DOCUMENT WITH THE CARD AGREEMENT LITERALLY HAS ( XXXX, OH OH ) AS THE ADDRESS! THAT IS FICTITIOUS AND NOT EVEN A REAL JURIRSTICTIONAL ADDRESS IN THIS COUNTRY! 

I HAVE LITERALLY JUST REMOVED OVER 60 ACCOUNTS THAT WERE ATTACHED TO MY XXXX XXXX ACCOUNT BECAUSE MY NAME IS SO COMMON AND I HAD MEN WITH THE EXACT SAME NAME AS ME ON MY PROFILE BUT THEY LIVED IN UTAH AND OTHER VARIOUS PLACES. 

MY SIGNED AND MAILED AFFIDAVIT WAS SENT XX/XX/2022 XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2022-08-19
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im at wits end. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint numerous times. You claim Im not the one submitting it. This to me is senseless! So Im submitting it again expectantly for the last time. Transunion has not been fulfilling with Fair Credit Reporting Act ( FCRA ). I submitted complaints about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my awareness, approval or authority. I provided them with documents which established this legal matter but they have disregarded these documents. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department. They claim they confirmed the account without providing me with any lawful documents, contracts or verifiable proof they were unlocked by me. They are not following to section 605b by blocking or eliminating them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is : - XXXXXXXX XXXX XXXX Date Opened XX/XX/2018 Balance {$0.00}
Consumer complaint received 2024-09-20
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX Account number : XXXX Account namXXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

My mortgage was bought by Shell Point Morgage servicer, a collection agency in XX/XX/2022. I had been on a forbearance program with my previous mortgage company due to the fact I contracted XXXX XXXX. Further medical complications due to XXXX left me XXXX and seeking further diagnostic testing and treatment. I could not reach Shellpoint to get information because they could not find me in the system explaining the transfer hadn't come through. When I finally did reach someone, I requested an extension on my forbearance. I then received a point of contact, XXXX XXXX, at Shell Point who informed me I was not eligible for an extension, and I would need to pay the arrearage and whatever fees were added to the pre closure status to get my account out of foreclosure. XXXX said she did not have that figure. She said it would take 5 days to receive that information. I did not receive a follow up call and emailed XXXX. XXXX did not respond with the information I requested to get the loan current. the following day, I received a call from XXXX XXXX on Wednesday, XXXX XXXX at approximately XXXXXXXX XXXX  who informed me I owed {$43000.00} to get the account current and out of foreclosure. I was informed increased fees were included in this figure. She gave me the wire transfer account and routing numbers. The following day on XX/XX/2022 at XXXXXXXX XXXX, I called XXXX with the bank representative present on speaker, handling the wire transfer. XXXX confirmed all account and routing numbers she previously provided, and the total amount of {$43000.00} to get the loan current. XXXX stated she would notify the foreclosure department of the wire transfer. Less than two hours later, at XXXX, XXXX XXXX XXXX me to inform me the amount to get my loan current has increased. To get my loan current those additional increased fees need to be paid or my account will remain in foreclosure. XXXX XXXX informed me my account remains in foreclosure and she would notify me the following day of those figures. I have yet to hear from XXXX XXXX. 
It is very clear Shell Point Mortgage is using abuse and extortion tactics to delay the process and keep my account in foreclosure proceedings, even after I paid the requested amount by the deadline date in which was confirmed verbally and by mail correspondence. I have exhausted all my resources and still in danger of losing my home due to these unethical business practices. I would greatly appreciate a follow up call and investigation into this matter, and any additional resources that can assist me in saving my home.
Consumer complaint received 2022-08-19
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. (GA)

In accordance with the Fair Credit Reporting act ( Account : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

This account is in direct violation of 15 USC 1692g I was not notified of ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed and 3 within 5 days of the initial communication.

The next time I contact you I will be sending an Affidavit notarized with an invoice and exhibits and violations you have broken by placing this consumer report on this account.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

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 XXXXXXXX
Consumer complaint received 2022-08-19
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. (GA)

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today beacuse I am frustrted ith your negligence and incompetence when it comes to reporting of my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit repoorting Agencies are required by law to remove & block any accounts ans information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX 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  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-19
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. (TX)

On XX/XX/2022 I pulled my credit repoet with experian through annualcreditreport.com and as I went through my online report I came to the personal information section where someone had broken into my online account with Experian and changed my username, password, 4 digit code, and security question along with removing the freeze I had on there. I finally spoke with a CSR about it yesterday evening and hopefully this won't happen again. The person had a California address. It is so hard nowadays to trust anyone with your personal information and when this happen with Experian I was shocked because I was trying to figure out how this was possible. I am always on top of this but I am very disappointed and upset. This was such carelessness of the credit bureau.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Consumer complaint received 2024-09-20
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00}
Consumer complaint received 2022-08-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility!
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp (SC)

On XX/XX/XXXX, I attempted to make a payment that was returned 2 times. Not understanding why it was being sent back to the bank ( XXXX XXXX ), we made a direct payment on XXXX website. The confirmation stated payment was made with Union Mortgage. It seems the loan was sold. 

As our fiat currency currently is being made worthless and banks and lenders are collapsing and creating new businesses to sell to, I can not accept this sale as legally binding. 

I hereby claim that XXXX XXXX and Union Mortgage are violating the CARES act and are at fault with several mortgage servicing violations as well as unfair and unethical financial practices. Payments will not be made until the matter is properly investigated. 

Please provide the entire sales contract of this note. 

Please provide all of Union Mortgage and XXXX documentation that include but are not limited to, Certificate of existence, Articles of Organization, Articles of incorporation, Foreign Qualifications, Apostille, business licensing and permits, federal tax ID. 

Furthermore, please specify what currencies Union Mortgage will be accepting for payments should the sale be legal. Is union mortgage using Fiat currency? If they are not, then the Mortgage is voided. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-08-19
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: PNC Bank N.A. (PA)

In accordance with a fair credit reporting act [ PNC BANK # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-19
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}