davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (DE)

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 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.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified account indicated below continues to report on my credit report despite written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (NY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX XXXXXXXX Date opened XX/XX/ Balance {$420.00} ; XXXX XXXXXXXX Date opened XX/XX/ Balance {$0.00} ;
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

I was a client of Wells Fargo and had many issues with that company. First they lied about my savings account. Then they would hold onto checks for longer then necessary which led me to overdraft fees that they would not credit. They charged abnormal overdraft fees. I once had fraud reported on my account and they told me oh well and to deal with it
Consumer complaint received 2023-01-20
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ;
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/2023, my Paypal account got permanently limited by the company because I violent their rule, which means I can not do any transactions with my account such as receiving and sending money. I don't know what rule or section of their rule I had violated, so I ask them, then they just say that it is base in their confidential criteria. So I am shock I don't know what to do because I don't know what rule i had violated. Until now my money amounting XXXX stock in my account, I cant touch or withdraw it till now. When I emailed them to request to restore my account, seems like their reply is auto generated and they will not review the complaint at all.
Consumer complaint received 2023-01-20
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. (NY)

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Equifax refuses to update me from being listed as XX/XX/2018 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Equifax job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-01-20
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. (OH)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read and 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 2023-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (PA)

On XX/XX/XXXX I contacted XXXX XXXX of the Hudson Valley to set up a payment payment arrangement to pay off my debt of XXXX. The woman I spoke to did not offer me any type of negotiation for the payment arrangement. I offered to make a payment of half, XXXX on XX/XX/XXXX and the remaning half the following week. She stated she would put in a request to post date the payments for XX/XX/XXXX and XXXX. NOT what I had asked for, but I agreed. I also asked for some type of documentation stating I was agreeing to make these payments or an update to the credit bureau and she said that they do not send out docs or update until the payment is made in full.XXXX  My family is now sick with XXXX so I had to take off a few days of work, so I was not able to make the payment for XX/XX/XXXX. I contacted CBHV XX/XX/XXXX and the man i spoke with earlier told me that I was confusing him when I informed him that I needed to cancel the payment for XX/XX/XXXX and set up a different and smaller payment arrangement. He at first said that I could do a {$XXXX} payment and gave me the dates that we could start that. The dates that we had agreed on was {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX and I would have agreed to {$XXXX} XXXX and I agreed and then as soon as I agreed he changed it up and said " Ok, so I'm going to put in that you'll pay XXXX XX/XX/XXXX and then again on XXXX ''. That is NOT what I said and when I confronted him about the change, he said that I initially spoke WITH him and he was insistent that I spoke WITH him on XX/XX/XXXX and why couldnt I agree with XXXX, because thats what we agreed upon when I spoke with you last friday. I took your money, I KNOW I spoke to you. XXXX not allowed to make a payment less than {$XXXX} so thats why you need to make the XXXX payment and you cant spread these payments out for longer than what it needs to. He also insisted that no communication will be sent out for the payment agreement or anything other paperwork stating I am in an agreement. He said that I would receive paperwork before the payment I set up ( i dont remember what date now ) within XXXX weeks and then was insistent on telling me today was Saturday and that I would receive the payment agreement paperowrk by the end of XX/XX/XXXX. He also stated that my credit report wouldnt be updated until the payment was made in full, not even a paid/ontime payment notice would be sent to the bureau. and the bureaus will be contacted in XXXX XXXX so now we're talking XXXX before my credit states this is paid off. XXXX are quick to add this to my credit report though.. I was honestly shocked that he would lie and change up the terms he had given me! I also heard another woman XXXX  at a customer in the background!
Consumer complaint received 2024-09-26
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

In summer XXXX, I contacted my home mortgage servicer, PHH Mortgage regarding my severe financial hardship and was placed on a forbearance program for 3 months that commenced on XX/XX/XXXX. This plan was good for 3 month and was placed on another forbearance thereafter for another 3 months. Upon completion of this 2nd forbearance, I endeavored to commenced the payment, but fell short within couple of months due to XXXX impact and I immediately contacted PHH Mortgage and was placed on another forbearance plan for another 3 months. At this junction, I have not paid my home mortgage loan for more than 10 months and was advised by my relationship manager that the delinquent amount will be place on the back of the loan without interest ( see attached Notification of Payment Deferral from PHH Mortgage ) at the conclusion of the forbearance plan. So, at the end of this forbearance, I have not paid my home mortgage for the 9 months of forbearance plus the couple of months that it took before the forbearance were finalized for a possible total of 11 months minimum. At the completion of the 3rd forbearance, I was advised by my relationship manager that the delinquent amount was no longer going to be set aside to the loan maturity, but rather, I will need to pay the lump sum asap. This has been since XX/XX/XXXX and for all these months, I have been trying vigorously to have the delinquent amount set aside or have the amount set up as a repayment plan for a minimum of 48 months due to my financial circumstances. I have made numerous attempts and still making attempts to reach my relationship manager, but all these attempts has been in vain. Every time I called, Im told to make an appointment to speak to the relationship manager, and these appointments are only once per month and whenever he fails to call me ( just last the last appointment in XXXX ), that will mean another month of non-payment of my home mortgage and it keep piling up and pushing me deeper and deeper into this delinquency. I need this delinquent amount to either be set aside until the loan maturity or the delinquent amount be placed on a repayment plan of a minimum of 48 months ( {$25000.00} / 48 months = {$530.00} per month ) and adding this amount to my regular PITI of {$2800.00} will be {$3300.00} per month. This amount I can 100 % guaranty to pay without any further default.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

My mortgage was eventually transferred, but while my mortgage was with Wells Fargo I go behind on my payments. I was constantly calling Cust service asking for help. What options do you have for me? I also had a job change with a short gap of no income. My home mortgage was in default and I was given very few options. My home did not go into foreclosure because they sold the loan and my mortgage is no longer with Wells Fargo.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (WI)

Do to XXXX XXXX and unable to work tries to work with bank to refinance loan for smaller monthly payments and the refuses and XXXX  they so not lower payments. So there was more fees added to the loan with very high interest rate and harassing phone calls
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I had a Safety Deposit Account, they bundled without me knowing. I ran into some financial issues and recognized Id been paying for a box I didnt know I had. I was made to call the branch that would not respond after several attempts. When they responded, they would not close the account unless I would fly or drive 500 miles and spend that travel expense just to close the account. I was assigned to an employee in the branch who said hed help but never did. He avoided contact. I believe the account was open at least 15 years without my knowledge. I gave up, seemed like there was nothing I could do.
Consumer complaint received 2023-01-20
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. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$660.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened an account with Truist bank and after opening every time I made a deposit they put 2 and 3 week holds on my deposits causing payments to overdraft my account. I was not told this upon depositing but received a note card in the mail 2 weeks later. I called to get it taken off and they said no one could do that and they had the right to do this to anyone at anytime. This happened before one of my many surgeries and I had no way to pay for my medications. I even sent proof that these checks they had a hold on had already cleared the banks the checks were written from and the money was there but they still held it for weeks. After the hold was lifted I had to call back and dispute the overdraft fees. I got them returned one time after this happening numerous times.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX  my XXXX XXXX home foreclosed on a XXXX mortgage ( elac ) that was taken out from Wells Fargo. The property was sold by Trustee at public auction. The deed was transferred to highest bidder. Ever since then the first mortgage ( held by Wells Fargo ) was never taken over and still till this day is still in my name being paid by new owner. I have spoken to lawyers, Real Estate Agents, OCC, CFPB, and Wells Fargo as well to get this problem resurrected to no avail. These processes have taken countless hours over many years to try and resolve.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX : notified Experian someone had used my ID to try and open XXXX credit cards at XXXX XX/XX/XXXX. Placed fraud alert on all XXXX major companies. XX/XX/XXXX same person tried another card in my name same place XXXX. Experian Let Them Have the Credit Report!!! No record of my fraud alert, I could find no dispute of hard inquiry by XXXX on XX/XX/XXXX. Had also requested dispute of that inquiry. It is not on dispute. It gets worse. 
Today called Experian, XX/XX/XXXX. Tried to plave a free freeze, system hung up on me when giving me pin number. Called back XXXX times, could npt get a person, nor could I confirm the freeze was put on. I had to pay XXXX a month to freeze my XXXX credit! They are crooks, extorting this money out of me, or let them issue reports and credit to whomever has my information! 
XXXX  XXXX XXXX I called them XX/XX/XXXX, they said they would be investigating this and making alerts, but, again, same people tried to pull credit on my name again XX/XX/XXXX, how could they let this go through?! 
I need : both XXXX XXXX XXXX  XXXX XXXX Taken Off/discarded XXXX XXXX back to where it was before these inquiries A record in writing on paper of the existing fraud alert, the pin number of there was an actual freeze by me by phone today and refund of all monies I must pay to keep my credit info safe ( blood money ) until a proper free freeze with me having gotten the PIN NUMBER to my freeze so I can unfreeze when I need to change phone companies. 
THank you!
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

A dispute has been ongoing with XXXX since XXXX The company has attempted to collect a false debt by using no less than a dozen collection agencies. I've disputed and won all my disputes but XXXX has now submitted false information to a collection agency and my records can't dispute the collection because the " proof of debt '' is all false information. The collection agency doesn't care and has tarnished my credit report using this fraudulent information.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681section 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 2022-12-18
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: Experian Information Solutions Inc. (FL)

Updated Report : Utility service registered with my personal information as a result of an identity theft event. Please remove this record off my credit report : XXXX XXXX XXXX. XXXX XXXX. Balance : {$590.00}. 

Someone in the State of XXXX XXXX rented a residential property in XXXX during the XXXX XXXX pandemic, using my personal information and I was XXXX the same year due to failure to pay rent. I have never been in the State of XXXX XXXX nor I have never signed any residential lease for any property in the State of XXXX XXXX I have been living in the XXXXXXXX XXXX XXXX since XXXX of XXXX. At the time of this event I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a XXXX XXXX XXXX  managed by XXXX XXXX XXXXXXXX XXXX ( ph : XXXX ) and my employer was located in XXXX XXXX as well. Updated XXXX : I have noticed another negative record on my credit report as a result of this incident - XXXX  {$590.00}.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX - ACCOUNT NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction/permission.