davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (TX)

XXXX XXXX from Nations Lending from XXXX XXXX Texas started helping me with my home loan on XXXX. Thru out the application she received check stubs, income taxes, my 401 and 402 retirement information plus a copy of my life and death insurances from work. On XX/XX/2023 appraisal was requested and paid {$770.00}, gas meter was in place and paid {$100.00}, a personal home inspection was processed and paid {$250.00} and due to appliances not in place when first appraisal was performed a 2nd appraisal was processed and paid {$250.00}. The builder offered a 3 %, and a {$900.00} incentive and my work offered and gave me a {$8000.00} incentive for first time home buyer. My rental home lease was over XXXX but agreed on paying two more month and now I have to move out by XXXX XXXX. On XXXX XXXX XXXX had for me a conditional loan approval for me to close on XXXX. A day before closing she advised me that my loan was denied. XXXX kept telling me that i was approved thru out the whole process but then found out that I was nott approved day before closing, and if that was the case I would not have so much. 
I have lost incentives that were offered to me by the builder and my work, plus home inspection fees and my rental home. 
My dream of obtaining a home was crushed and she has caused me to be under emotional distress. I feel violated, misled, angry and emotionally tired. 

Builder was advised that some of the walls were deformed, and garage walls patched and visible and I told them that needed to get fixed, then the builder said that nothing else could be done and that is the best they could do. 
I feel that due to complaint and wanting fixtures on the home they all got together for me to not get approved a DAY BEFORE closing.
Consumer complaint received 2023-02-10
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (CT)

This is not the first time I have made a complaint about this revolving issue with Key Bank, yet the issue never seemed to be resolved. I continue to get charged overdraft charges when Ive never opted into overdraft protection because I know how banks use these predatory practices to make money off of their customers. I was charged such fees in the past even on everyday atm fees, but have found the email from my account opening that proves I never opted into these services. Also, Key Bank announced that they were ending overdraft fees on their checking accounts, so it still baffles me as to how they are still charging these fees. I was charged an overdraft fee, as well as a RECURRING over service charge on an account where I opted out out of overdraft protection.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (IL)

*****EQUIFAX HAS " NOT BEEN ABLE TO PULL MY REPORT FOR DETAILS DUE TO NO REPORT BEING FOUND '' for a year now!! Before you deny/close out the claim due to YOUR error with recieveing my none frozen or restricted account be sure it is in the USA and my name and other info IS CORRECT*****I have spoken to a lawyer and the next violation or careless error on your end or the CFPBs will be cause for MOTION TO FILE SUIT!!!

This company has taken more than 60 days to mail me my proof of signature and agreement between me and the listed companies which is clearly against the law. Most of the Inquiries are within 1 day of eachother and or I have no knowledge of a HARD pull as stated In my initial dispute. PLUS I'm entitled to the methods used to speak with the company to validate the info by you..ie name of person spoken with # /department time etc. 
REGULATIONS/LAWS BROKEN : 15 U.S.C. 1681n ( a ) Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] obtaining my CREDIT BUREAU consumer report without my permission : Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Optimum Outcomes, Inc. ()

I collection balance was added to my credit report with failure to notify me of the balance of {$200.00}. When I contacted Optum Outcomes INC, they verified a telephone number of XXXX that I have not had in three years and an address of XXXX XXXX XXXX XXXX XXXX, WI that I have not lived at three years. I insisted on speaking with a collection department supervisor. XXXX ( supervisor ) got on the phone and instantly started to ask for payment. I informed her that I was not aware of the balance and had full medical coverage throughout that time. XXXX did not want to listen to my concerns or issue with the failure to notify, and continued to insist on payment. 

I was not properly made aware of this balance. The medical college billing department confirmed that they had outdated mailing and telephone information. Then they also did confirm that they were receiving returned mail, so I dont know why the collection company said that they were not receiving returned mail. I even called that phone number with the collection rep on the line, and it said right there, it is not a working number.
Consumer complaint received 2022-09-30
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. (IL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
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. (TX)

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-02-13
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. (SC)

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 2023-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-02-10
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Select Management Resources, LLC (TX)

While I was in default of my title loan I decided to trade in my truck to have. It paid off and use the left over equity for down payment on another vehicle. The in house loan depart and I on speaker phone called to get the 10 day payoff amount. While looking for and deciding what to get along with finance options the title loan company continued to call the dealership days after harassing them about the truck also. This happened more than once. Discussing my account with the owner of the dealership. In return I did not get the loan. Imagine how hard it is to recieve a auto loan when a title loan company continuing to call the dealership about a default auto account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally file a complaint regarding inaccurate reporting and unresponsive customer service practices that have negatively impacted my credit report and overall experience as a consumer. 

The creditor has been incorrectly reporting a missed payment for XX/XX/year>. Despite my efforts to resolve this issue, including obtaining a XXXX statement directly from their website, which clearly shows no missed payments within a 59-day period, they have continued to report this erroneous information. I have also requested a detailed statement multiple times to clarify this issue, but only after repeated requests did they provide a statement. Upon reviewing it, I noted discrepancies that indicate information may have been fabricated. Also their employee mishandled my account and this is negligent!

This inaccurate reporting has affected my credit score and financial standing and has caused undue stress and frustration. As a responsible consumer, I strive to maintain an accurate credit record, and this false reporting jeopardizes my financial credibility. Additionally, the failure to respond promptly and provide accurate information shows a lack of transparency and accountability on the part of the creditor. 

I ask that the CFPB assist in investigating this matter and hold the creditor accountable for correcting the inaccurate information on my credit report. I also request that they provide accurate documentation to support any claims they make regarding my payment history. Moreover, I seek assurances from the creditor that they will adhere to standard practices of transparency and accuracy in the future. 

Thank you for your assistance in this matter. I look forward to a resolution that rectifies this issue and prevents further inaccuracies in my credit report.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-09-30
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)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report that misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX XXXX : {$420.00} XXXX  XXXX XXXX XXXX : {$2200.00} XXXX  XXXX XXXX XXXX : {$6400.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-24
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-02-10
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. (CA)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MECHANICS BANK (CA)

XXXX - XX/XX/XXXX TRANSACTIONS IN VARIOUS AMOUNTS TO VARIOUS ONLINE GAMING CASINOS CHARGED THE DEBIT CARD THE SERVICES OF THE PRODUCT BEING A CHECKING ACCT. THE FINANCIAL INSTITUTION ALLOWED TRANSACTIONS TO BEING COVERED BY THE FINANCIAL INSTITUTION EXTENDING FUNDS THAT WERE NOT THERE TO COVER TRANSACTIONS WHEN IT SHOULD HAVE DECLINED BUT DO TO MECHANICS BANK CHOOSING TO DEBIT A XXXX  BALANCE ACCT CAUSING THE ACCOUNT TO BEING OVERDRAFTED WITHOUT THE CONSENT OF MYSELF THE CONSUMER WHO OPTED OUT OF ITS OPTIONAL SERVICES OF OVERDRAFT PROTECTION THE INSTITUTION FORCED THE ACCOUNT TO BEING SUBJECTED TO ITS DESCRETIONAL AMOUNT IT CHOSE TO COVER AND THUS SURPRISE AMOUNT OF FEES ALL FOR THEIR PERSONAL AND OR PRIVATE FINANCIAL GAINS BY ITS UNAUTHORIZED POSITION TO HAVE RIGHT TO COVER WHEN CONSUMER OPTED OUT OF OVERDRAFT DUE TO NOT AUTHORIZING ANY TRANSACTION SHOULD FUNDS NOT BEING AVALIABLE IN SAID ACCT. THE FINANCIAL INSTITUTION CAUSED THIS MATTER TO HAVE OCCURED AND ITS DAMAGES.
Consumer complaint received 2023-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I am seeking a refund, as guaranteed by the Department of Ed, for the amount I paid to Navient from XX/XX/XXXX through XX/XX/XXXX during the COVID pause on my student loans. 

Navient was my servicer at the time. 

Navient says they are not able to issue refunds for loans that are no longer serviced by them. However, the Department of Ed has informed me that Navient should issue this refund, as they were the servicer of my loans during this time and received the payments during these months. 

Navient claims the payments can not be refunded because the loans were FFEL not owned by the ED. However, the Department of Ed announced that these loans WOULD be retroactively included in the forebearance and those who had made payments during the pandemic are entitled to a refund.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

In XXXX I received a check from XXXX XXXX because my aunt passed away and made me a beneficiary on her Ira account .on XX/XX/XXXX I went to wells fargo and opened an account one week later they froze it stating that the funds were fraudulent ... .and they never gave me back the check or the money XXXX XXXX I field a complaint with you guys and they did respond with a letter saying they were going to send me a cashiers check and I'm still waiting .I 've contacted them several times with no luck it's going on 10 years this is ridiculous
Consumer complaint received 2022-09-30
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. (FL)

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to fixed immediately : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-30
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. (NY)

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.