davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (AL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (TX)

PNC Bank has a habit of pending deposit until the time for your overdraft fee has run up so they can charge you a late fee they then allow your deposit to go through into your account but only after theyve charged you a late fee sometimes they will hold the deposit in pending status for a few days and charge you late fees per item they take two or three business days to update their accounts and so there is no way of knowing that youve overdrafted you assume anything thats been purchased with your card is directly withdrawn But it does not show up on your account One example being I have 24 hours to bring my account up to XXXX out of the negative to avoid overdraft fees if I get a XXXX to my account for the exact amount to bring my account to XXXX it stays pending until the clock runs out and they charge me overdraft fees
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Notice of Intent to XXXX Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database. The Company has also not removed the accounts reporting as associated to said bankruptcy as previously requested. Listed are the accounts to be deleted : * XXXX : # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company is also inaccurately reporting a late payment : XXXX - Should be marked as PAID, Never Late
Consumer complaint received 2020-04-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

My loan was recently transferred to Freedom Mortgage. Now due to CoVID -19, I asked for assistance, their Loss mitt department handling the forbearance program never called and I could not reach them as the number always routes to Customer service and they transfer and the line gets disconnected. However, their refinance department called me and offered FHA StreamLine refinance, They told me if I close in XX/XX/2020, I just have to pay taxes and insurance and the payment will begin in XXXX. I agreed. Now they are telling me that their Title company can not close in XXXX so I will have to pay my XXXX payment. I asked them why can't I use my title company, initially they said no then came back and said I can use my title company but I have to pay the title cost and I may not have enough time to use my title company because FHA take3 days to fund my title company is asking 7 days to get everything ready and the loan won't fund in XXXX and I would not qualify for FHA STREAM line. This is ridiculous .. company baiting and switching. How come they did not know their title company could not close. how come a billion-dollar company can not have a forecast that they would run into this issue with covid-19. and since it's their fault, why can't they take the hit with the payment. Also, why cant they assist with foreberance. I know they will blame the high number of cases and call volume.. I at least want them to call and take care of this
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (TX)

Subject Request to remove unauthorized credit inquiry Inquiry made by : Inquiry made on To whom it may concern, I am writing to dispute the following information in my file. I received a copy of my credit report. And I noticed there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorization the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the name, business, address and phone number of those who made unauthorized credit inquiries. So I may contact them directly in addition, I respectfully reuest a copy of and documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documents that you have had the unauthorized inquiry remove. If you find that I am in error, then please send me proof of this Finally, I am requesting an update copy of my credit report which should be sent to the address listed above according the the provisions of 612 ( 15 USC 1681j ) there should be no change for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX Enclosed are the following two documents that verify my identity ID/DRIVER LICENCE SOCIAL SECURITY CARD
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To Experian Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX   XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine How is Experian able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please sent me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-04-22
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. (MD)

Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX bank and the credit bureaus are XXXX.
Consumer complaint received 2019-05-16
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. (NJ)

Hello I have several accounts that was taken out in my name that doesn't belong to me. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, qual ast rec XXXX, XXXX XXXX XXXX, my car was never late. I was incasarated when these accounts was opened. I left my car with my daughter and she paid every month. Please help me with these companies. I contacted them but they never believed me they said that's my problem basically and to contact the credit bureau. I contacted my attorney and he showed me this site. Please help me im looking for a fresh start.
Consumer complaint received 2024-09-05
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NC)

XXXX Cash advances were taken off of my navy federal credit card and sent via XXXX in the app to someone I do not know. 
This occurred in 2021. I have filed fraud and that claim was denied, I appealed twice and it was also denied stating they could not prove it wasnt me.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

Good day. I am making a complaint about an American Express charged off account. The account has been closed since XX/XX/2018 and is currently " charged off as a bad debt. Canceled by credit grantor '' ( these are the exact words on my credit report as per Transition ) and yet I am still incurring charges every month on this account as if it was still open -- therefore increasing the amount originally charged off. I would like to have a resolution to this issue and to understand if American Express can still add charges to a charged off/closed account.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act  1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SC Opportunity Fund LLC (CA)

Ref. : XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, Upland, CA. XXXX Servicing Company : XXXX XXXX , XXXX. - Loan Number : XXXX Current Lender : The Loan Store, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Original Lender : Owning Corporation Address : XXXX XXXX XXXX XXXX Suite XXXX, XXXX, CA XXXX NMLS Unique Identifier # XXXX. 
XXXX XXXX Endorsement # XXXX Dear Sirs. Greetings, with reference to the above mentioned loan that was initiated and completed by " Owning Corporation '' on / about XX/XX/XXXX, I would like to direct your attention to multiple Violations & predatory Lending Practices by the Lender and its ' employees via making intentional errors, omissions and negligence in fulfilling its terms and conditions : 1. On / about XX/XX/XXXX, " The Loan Store '' purchased the loan from XXXX XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note. 

2. On/ about XX/XX/XXXX, " XXXX XXXX XXXX. '' was assigned to service the loan on behalf of The Loan Store with the same conditions and stipulations listed clearly on the Mortgage Note. 

3. On/ about XX/XX/XXXX XXXX XXXX  XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid in full, paid in advance!!! 

4. On/ about XX/XX/XXXX we sent TWO additional checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks!! Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process. 

5. On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX XXXX XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note ( they did ultimately ), which indicates clearly XXXX Late Fees might be assessed at any time, late payment or otherwise. 

6. Up to the date of this note ; XXXX XXXX XXXX Failed and Continued to Fail in correcting the Mortgage Statements accordingly, even though they provided the Mortgage Note that contradicts their own statements!!! 

7. So far, we received several statements, all of them reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement ; in Violation of " Fair Debt Collection Practices Act '', and Fair Lending Practices. 

8. On/ about XX/XX/XXXX ; XXXX XXXX XXXX XXXX to us directly, indicating that they are only a Sub-services of the Mortgage Loan acting on the direction of the Lender, putting the blame, responsibility, and consequently all legal liabilities on the Lender The Loan Store, LLC .
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2020, I called XXXX XXXX about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it XXXX XXXX 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.
Consumer complaint received 2023-02-11
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. (CA)

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

Received multiple calls from person identifying hi self as an agent from Sunrise Credit Services. Purpose of the call was to collect a debt from XXXX. I informed the person that we arent customers of XXXX and that he should provide evidence via email to justify the claim. The information was never provided. In XX/XX/2019, I noticed an entry on my credit report w/o any further communication or provideing evidence of the debt. Highly unprofessional, if not incompetent. Those people/businesses should. Or be allowed to extort and harass people. 
I would appreciate if the agency initiate actions against the company a d stops these practices. It is already extremely irritating to have to even file a complaint like this. 
Kind regards, XXXX XXXX
Consumer complaint received 2023-02-06
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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.