davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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)

Equifax still has my brother 's name listed within my personal information and identification of MyEquifax account. My brother and I have been trying to get all of our information separated for quite sometime ; however, Equifax has still not completed our requests fully and accurately. This is causing my brother and I hardships because of their ( Equifax ) errors, and their inability to complete our disputes fully and accurately.

My brother has given me permission to send his complete name via his driver 's license and his social security card. I've also included my name via an image of my driver 's license and a copy of my social security card to show that we are different people with different names, different dates of birth, and different social security numbers. Our personal details are listed side-by-side so that Equifax can see the differences in us both.

I have also uploaded a screenshot of my my personal " MyEquifax '' account page to show the inaccurate information on my account. I've written my username on the screenshot and have circled each section that Equifax needs to review.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXi 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 2024-10-16
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)

I am writing to request the deletion of an authorized inquiry on my credit report. I believe this inquiry was made in error and is negatively impacting my credit score.

Details of the inquiry are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (TX)

On or about XXXX XX/XX/2022, XXXX XXXX XXXX ( PNC branch manager ) reached out to me apply for credit card. I applied on XXXX XX/XX/2022. Despite great credit score, my credit card application was rejected with the following reasons : 1. Proportion of balances to credit limits too high on bank revolving or other revolving accounts.

2. Lack of recent installment loan information.

3. Too many inquiries last 12 months 4. Length of time revolving accounts have been established. 


If my credit card application was to be rejected, why PNC solicited me at the first place? 
Within 10 days, my credit card application from XXXXXXXX XXXX  was approved. 

It seems PNC bank has no idea what they are doing or why they are doing so?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions.
Consumer complaint received 2022-06-08
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 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 XXXX has me at a score around XXXX. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

My house was hit by a tornado during Hurricane Milton. I received insurance funds in the amount of {$45000.00} and {$29000.00}. Because I have a mortgage with NewRez, the insurance company had them as an additional payee on the checks. NewRez via their Loss Draft Department instructed me to send them the checks endorsed along with several documents which I overnighted to them on XXXX XXXX XXXX  They received the package on XXXX XXXX XXXX and deposited my insurance checks into an escrow account on XXXX XXXX XXXX  Pursuant to NewRez 's packet, I was to receive my first disbursement of {$40000.00} within XXXX days of receipt of the packet and endorsed checks. To this day I have no received XXXX cent of my insurance funds from NewRez. XXXX of the major repairs that I need done is a roof replacement. My roofer is now moving me from a XXXX install date to a XXXX install date because I can't tell him when I will be able to give him the deposit for the job because NewRez has not released my funds. Initially, the excuse was the checks haven't cleared. I confirmed yesterday with my insurance company that the checks have long since cleared and today when I called today I spoke with a supervisor that told me they have a " glitch '' in their system which is preventing them from releasing the funds and this " glitch '' has been going on for over a week now. There is also no time frame as to when the " glitch '' will be fixed on their end. I am sure I am not the only person this is happening to with them. Not only is this taking a lot of time away from work for me to have to call and write letters to NewRez, this delay is causing me not to be able to complete the repairs on my home and at this point NewRez is illegally holding my insurance funds with no disbursement date in sight.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion took my score down XXXX points on XX/XX/2022 because a company did a name change. I pay on time i have no control over someone elses name change... they said it was computer generated. Nothing they can do. I work hard to keep my score up. This is not fair
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-06-08
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. (IL)

I have sent certified mail on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to XXXX and Transunion to request a copy of verifiable proof of an original consumer contract with my signature that they have on my credit file for the XXXX XXXX XXXX - XXXX report by XXXX. And XXXX XXXX XXXX ( XXXX ) reported by Transunion. This is information has not been provided to me and remains on my credit file/report. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the agencies are violating my rights. In ordinance, with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX has confirmed this information was not verified and since has removed from my credit report. I am requesting Transunion and XXXX to do the same. 

I have requested my consumer disclosure via certified mail on XX/XX/XXXX from Transunion and XXXX and have not been provided this information.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX Account has been permanently suspended. When I called customer service representative told me that my account had been permanently suspended but could not give me any information told me I needed to write them a letter requesting information when asked about the money remaining in my account which is over XXXX dollars she said I would have to write a letter inquiring about my money also.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (VA)

Ameris Bank advised they paid my XXXX mortgage with check number XXXX in the amount of {$4900.00} XX/XX/XXXX. 

In XX/XX/XXXX I received a Delinquent Tax Notice from XXXX XXXX stating I owe {$4900.00}. I immediately contacted Ameris bank and created a case XX/XX/XXXX. I had to follow up XXXX then was told the case was taking longer XX/XX/XXXX. After XX/XX/XXXX I called again received certified mail the county will post notices on the door of the residence. I've been calling/emailing every business day since XX/XX/XXXX to try to get attention on this issue. 

After 2 months of no responses and me taking time off work to call in every few days they finally paid it but took the funds from my XXXX escrow. 

XXXX I called concerned about how my XXXX taxes will now be paid. I am told I now have to pay all these taxes when it is showing on my account the 2 payments for XXXX of XX/XX/XXXX payment of {$4900.00} and XXXX payment of {$5000.00}. 

Ameris bank not only had poor business practices with sending out payments to the wrong Tax ID, they were unresponsive for 2 months requiring me to take time off work. I see this issue not closed due to them taking funds from XXXX escrow. 

When I called XXXX I was told I will need to pay back the {$4900.00} because I was issued overpayment in XXXX. Keep in mind we closed on this property XXXX of XXXX and we were told it was overpayment. The statement did not specify 'Returned ' payment or any indication our taxes for the year were not paid. 

We had no indicated in XXXX they sent the taxes to to the wrong Tax ID. It is now 6 months later and they are telling me I have to pay an extra {$5000.00}.
Consumer complaint received 2022-06-10
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. (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. 

XXXX Account No. XXXX, has violated my rights. 
XXXX Account No. XXXX, has violated my rights. 
XXXX XXXX Account No. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

On XX/XX/2022, I was looking online for current mortgage rates. I was not applying for a mortgage, nor looking to refinance. I was ONLY looking to see the current rates. I began entering information and I had already entered my address when I decided I would not be giving any more information because I did not want to receive multiple calls regarding mortgages. On XX/XX/2022 I received two letters from rocket mortgage signed by XXXX XXXX, XXXX number XXXX. 
The letter states that they were unable to help me with a loan because of debt to income not supported. This is probably because I did not give them any information. It says they did not pull my credit report in making this decision, but the letter stated that it was a denial of home financing. Regardless of whether or not a credit report was pulled, I do not like the fact that they say I was denied financing when I didnt apply for any financing whatsoever. What is the purpose of these letters?? I dont want anyone creating false information that I was denied for financing. I have excellent credit, and when I do choose to apply for a loan, I will have no problem getting approved. There is something off about getting a denial letter when I didnt apply for financing.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received two emails from bank of america, one stating that I applied for a checking account and another stating that my application was approved. I did not apply for an account. I called bank of america and could not get anyone on the phone but did confirm that there is an open account in my name. I will try and call bank of america again during business hours but wanted to file a complaint as soon as possible.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed a dispute letter to all three credit reporting agencies and I requested information be removed or deleted per letter and request was not made. Credit bureaus only updated information rather removed/deleted as I requested. I do not want to file a lawsuit or complaint but I see that I now have no choice because of their investigation and outcome with results that I am not satisfied with and think is unfair.
Consumer complaint received 2022-05-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting for their response to my written requests. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information. Now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please help me on this matter.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-08-22
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 XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number XXXX