davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (NV)

I previously submitted a complaint regarding this account, several times. I stated that I was a victim of identity theft. I saw in PNC 's response that I did not report the incident until XXXX XXXX. That was because I did not see the item on my credit report until then. I have been trying to dispute this ever since. There is also a statement made that my wife, XXXX XXXX verified information regarding this account, which is invalid as well, as her identity was stolen during this same time. So whomever it was that stole our identity apparently had her information as well to verify this account. Of course whoever the individuals were, they did not want to lose the account or jeopardize the account so it is quite possible there was a male and female to follow up. Nor I or my wife have ever called on this account. 

Also the statement regarding my mailing address of XXXX XXXX XXXX. Yes I lived there and obviously people who steal your identity steal your address, social security numnber and other identifying documents that try to prove they are the indvidual or individuals of the identity they have stolen. I never consented to or walked into a PNC BANK to apply for any account. I believe this application was submitted online. Unless you have my original wet signature proving that I authorized you to run my credit, and that I approved or consented to an account or physically walked into a bank, if there is one this account needs to be removed immediately. This negative account has been hindering my credit for years now, to where I can not apply for any other financial services or matters. 

Currently, your company is in violation of Section 813 Civil liability ( 15.U.S.C. 1692K ) ( a ), of the FDCPA.

Section 616. Civil liability for willful non-compliance ( 15.U.S.C 1681n ) ( a ) of the FCRA.

Section 617. Civil liability for negligent non compliance ( 15.U.S. C 1681o ) of the FCRA. 
This matter needs to be resolved or I will be contacting the FTC, my local attorney and the credit bureaus.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The 3 credit bureaus, TransUnion, XXXX, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received an e-mail from my credit card carrier ( Capital One ) on XX/XX/XXXX, stating that they were reducing my credit limit from {$7300.00} to {$1500.00} ( a 79 % decrease ). The letter stated that it was due to low activity on the card. When I called Capital One to rectify the problem I was told by a supervisor ( XXXX ) that they save available credit for new customers. I have had this particular account for 19 years with no late or missed payments, I have excellent credit and have had no charges in my income. My wife and I have also financed and paid off cars through this company with no delinquency. They really could give me no answer when I requested the limit be restored but to say they have the right to do so.
Consumer complaint received 2019-07-02
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: SYNCHRONY FINANCIAL (CA)

I received a credit alert from my credit monitoring service. I had three hard credit inquiries on my report in less than a week ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) by a company that provides credit to WALMART and LOWES and one from XXXX. I never applied for credit with any of these companies in my life. The credit inquiries caused my credit score to go down several points for each inquiry. I phoned the first company, SYNCB, and after many attempts to find out what this was on my credit report, I was transferred to XXXX in the Fraud Department. I was told by XXXX that there was nothing he could do to help me unless I provide my SS #. I did not want to provide my SS #. XXXX told me that I should contact the credit bureaus and tell them to remove it from my credit report. I phoned XXXX   and they told me that I needed a letter of deletion from the creditor to have it removed from my credit report. I do not feel comfortable providing my SS # to the creditor ( whom I never asked to do business with in the first place ). I put a credit freeze on all three of my credit reports and I am hoping that you will be able to help me have this information removed from my credit reports.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (AL)

I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.
Consumer complaint received 2020-08-25
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 — Problem with personal statement of dispute
Company: AFNI INC. (TX)

I have attempted to fix this issue with XXXX XXXX XXXX /AFNI , Inc in the amount of {$8600.00} multiple times per the information stated on my credit report I have not had XXXX services open XX/XX/XXXX after speaking to XXXX i was informed i owed for 5 lines I informed her at this time " that is incorrect information she at this point stated yes this happens alot with XXXX " I've requested for a manager to review this unknown account and was informed they do not do so and i would have to pay the amount due, Ive called back multiple times and have spoken to XXXX XXXX XXXX he stated this account is under review for fraud and should have been closed as of XX/XX/XXXX and removed. XXXX also stated the reason it keeps popping up on my credit report is because XXXX sells the accounts to 3rd parties. This is unfair/ and unjust for this company to accuse me of owing for this account Ive asked what address do they have on record and XXXX responded with your address XXXX XXXX i informed him that my address clearly pops up on my credit report that does not mean this account was taken out by me at this address, also informed him of XXXX XXXX XXXX paperless account info they have for customers. He then responded with the only amount he can receive from me at this time is {$4400.00}. I reminded him about the prior conversation where he stated on XX/XX/XXXX that as of XX/XX/XXXX this account should have been removed and was hung up on by Mr. XXXX # XXXX
Consumer complaint received 2020-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC (NY)

My bank NYCB have upgraded there portal and I reached out to them asking for help with resetting my account access I spoke to person by name XXXX at XXXX location she was very unhelpful. After work I try to call 1800 number for last few days and I got disconnected, please help me resolve this issue, thank you
Consumer complaint received 2020-10-20
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, TransUnion and Experian CRA. 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 XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a helc line with Bank of America, at the beginning of XXXX Bank of America had problems with correct balances. I called in multiple times only to be told that they cant fix it until they correct their internal issues, since my checking balance has been corrected, however the home equity credit line has not. The balance on the mentioned helc account is Reflecting over {$4000.00} Above the balance that I owe. I have contacted the bank numerous times to correct their mistake, I have waited on hold for over 2 hours on multiple occasions and never contact a representative.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

TD Auto account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. Td Auto has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from TD Auto Finance and is requesting my credit report to be updated.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (IL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX XXXX per the instructions of select portfolio servicing, the title company withheld {$250000.00} from the proceeds from the sale of my house. This money was wired to select portfolio serving for a loan with {$0.00} balance and {$35000.00} in the escrow account. At my insistence the money I DID NOT OWE was returned to the title company XX/XX/2020 - without releasing the lien. The title company resent the {$250000.00} as reflected in the pay off statement. XX/XX/2020 select portfolio again returned the money to alpha title the company that closed the buyers of my house. At this time I have no idea where the money is from my proceeds of the Sale of my house. I believe this lien is for a line of credit to which I never agreed, received no value nor have any access to use. WHERE IS THE {$250000.00} NO ONE GAVE ME? This money was literally STOLEN from my proceeds by select portfolio servicing.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It's my understanding that I may get weekly credit reports using XXXX. Otherwise, XXXX, XXXX, and TransUnion will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. XXXX, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against XXXX for the release of my information. Trans Union 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (TX)

On XXXX XX/XX/2023, I received an email from Experian that a credit check was made on my Experian credit file. The inquiry was made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV XXXX. I called the number on the report from Experian. Spoke with XXXX on XXXX XXXX. XXXX issued an internal XXXX XXXX to block the person applying for the loan. XXXX was to send me a " XXXX XXXX '' for me to complete and return. Today, XXXX XX/XX/2023 I called XXXX XXXX back to say I had not received the XXXX XXXXt. I spoke with XXXX again. He said it takes XXXX to XXXX  days for the XXXX XXXX to arrive. I don't recall this being stated on my XXXX XXXX call. XXXX was going to place a XXXX XXXXXXXX XXXX in the mail just incase the XXXX packet does not arrive. 
I inquired again, that the application was denied and labeled as XXXX. XXXX assured me that the appropriate action had been take internally.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MN)

I used TCF atm XX/XX/XXXX around XXXX to XXXX for make a regular monthly deposit for make an specific payment on XX/XX/XXXX of the month, at the beginning I just put {$500.00} and suddenly ATM stop working gave me a msg " THIS ATM IS UNABLE RETURN YOUR ITHEMS PLEASE CONTACT YOUR BANK '', I did and supposed they gon na investigated and until this date nothing, I stop three times at the agency they checked cameras, and the answer was I have more money in my hands.

for a information in my account XX/XX/XXXX of every month I deposit XXXX  for a university payment
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

On XX/XX/2020, I closed on the refinancing of my house with PennyMac Loan Service, LLC. On the closing disclosure signed that day, I was due to receive {$630.00} and the payment would be disbursed on XX/XX/2020. I was informed several days after closing that I owed money. Then was told a day later that I didn't owe money -- that they had been in error -- and that I would receive a lender credit of {$630.00} and the payment would now be disbursed on XX/XX/2020. 

On XX/XX/2020, a post-closing disclosure was sent, and it had me only receiving {$0.00} cents. This disclosure was never agreed to or signed by me. The payoff was sent that day to my current provider PennyMac Loan Services ( yes, same company -- they are were the current servicer of my loan ). When called Penny Mac to find out what happened, I was told by XXXX XXXX ( my loan specialist )  that again an error was made on their part and that I would be issued a lender credit of {$630.00}. 

For several weeks now, since XX/XX/2020 ), I have spoken with Ms. XXXX and emailed her 14 times since XX/XX/XXXX and this has still not been resolved -- the title company never sent me a check. 

Today ( XX/XX/2020 ), she told me to call the title company ( XXXX XXXX XXXX XXXX ) and I did. They said that they did not receive the {$630.00} and that they only sent a check for what was listed on the post closing disclosure ( never agreed to or signed by me ). She ( Penny Mac ) knows full well that the money was not sent and once again she is not responding to me asking why that money was not sent. I could go on and on about my troubles getting in touch with them, having them respond to me and never giving me a straight answer. 

Separately, I never signed a document or verbally agreed to permit with PennyMac Loan Services the escrow account of on my previous loan ( {$3200.00} ) to be used to pay off that loan. However, without my knowledge or approval PennyMac Loan Services went ahead and used this money to pay off the balance on the loan. I spent several hours on the phone with the refinance side and the service side only to be told there was nothing I could do about it.
Consumer complaint received 2020-08-25
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX  XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX {$9800.00} XXXX XXXX XXXXXXXX {$180.00}
Consumer complaint received 2020-10-20
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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.