davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My consumer report contains identity theft-linked accounts I never authorized. I recently informed you about this and now demand these accounts be blocked and removed immediately. These false entries are causing me serious distress and misrepresent my credit. I'll take legal action if not fixed quickly. These fraudulent items have blocked important financial goals like buying a home and supporting my family.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (VA)

XXXX XXXX allow an protect an identity thief whose use one card fraudulent linked to my social security. They ruin my credit and when I call they laugh about me and transferred the call 10 times and hang out the phone 13 more times. I do n't know what to do, I called several times to the credit card but they are hanging the phone on me, they are protecting the thief and they do n't want to recognize that they failed in the identity verification process for over 20 years. The person who is using the card is my father and they have been send the statement to his address for over 20 years. I did n't know about this situation until a Lender Company in XXXX NM run my reports and found this problem with the credit card. I asked several times where they are sending the monthly statements or who paid for the card, but the credit card company did n't want to help me and protect the thief.
Consumer complaint received 2023-02-02
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. (MI)

I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!
Consumer complaint received 2023-05-06
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Consumer complaint received 2016-05-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Banks has incorrect information that they use to verify my identity. They will not fix the issue and deny me access to my account. They have my address, SS number, DOB, email and many other verification information but that is n't good enough for them. I have had an account with them for XXXX years yet they want to use information that was n't collected when I opened my account, such as my cell phone number. I want them to fix the issue without me spending hours of my time or missing work. It is their error and their poor system design and not my fault. This delay could cause me to make a mistake in payments and therefore profit Huntington.
Consumer complaint received 2023-05-05
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. (MD)

I submitted a complaint last XX/XX/XXXX. Companies involved responded and deleted some fraudulent items but there are still fraudulent items remaining. I submitted a complaint dated XX/XX/XXXX and XXXX, XXXX and it was closed immediately. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-02-02
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. (TX)

XXXX made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that XXXX will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

My Apple Card was restricted out of the blue on Monday, XX/XX/XXXX and I contacted Goldman Sachs specialist every hour for the last 8 days and they kept saying I will hear back soon with no specific time frame in mind. All they said was that my account was under review and there was nothingt hey can do.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Experian Information Solutions Inc. (AZ)

I am being ( XXXX ), targeted and abused with many credit card companies. 
I am forced to pay outrageous fees from XXXX dollars up too approx XXXX before I received credit. Forced into paying annual fee to even have any type of credit in the United States of America for the American Dream. 

The companies I have had to pay Outrageous fees too are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forced to pay fees of XXXX and higher, as an annual fee as well as paying fees out of the credit amount offered to me. 

The companies that have targeted me are as follows. 
XXXX XXXX XXXX, XXXX XXXX XXXX credit card, - Fee from the start - charged me to have credit XXXX XXXX XXXX XXXX charged me fees to have credit annual XXXX XXXX  XXXX Fees to have credit XXXX XXXX XXXX XXXX Fees to have credit XXXX XXXX  XXXX double charged me from the start of XXXX annual fee when advertised on Experian website as a promotional offer was XXXX I called and explained the situation to XXXX customer service and got no where. 
They refused to honor the offer and made me pay double what was advertised by experian. 

All of these companies I listed above trafficked me. 
They took advantage of me. Forced into being a slave paying above and beyond paying a normal interest rate on the dollar. I paid well over XXXX dollars before I was ever able to use the credit offered. 
I had exceptional credit with my auto lender in XXXX. 
I not once got over XXXX from major credit reporters. I opened my first credit card ever in XXXX some of the companies listed above also bait and switched my original credit card I was issued from the company and switched cards on me on their website without any notice to me at all. Further sending the switched differnt card in the federal mail with no notice before hand or why. 

I am XXXX AS A HUMAN BEING with credit. 
I am a XXXX to all the companies listed above. Each one of the five companies listed above as well as experian, XXXX, and any major credit reporting company should be sent this complaint. 

Experian, XXXX, and other major credit reporing companies have not allowed me to get past XXXX to obtain a home of my own as a first time home buyer for my family. As long as I am XXXX as a human being with credit I will never be able to obtain the AMERICAN DREAM. with my income bracket and having fees plus paying interest on top of that. 
the last 2 cards offered to me, one company being ( XXXX ) was pay fees in excess of almost XXXX dollars before they would even send the card. XXXX XXXX in credit is wrong. 
As an American Citizen Companies keep me XXXX. 


I have filed a prior complaint but it was closed due too needing more information from me. 

See below Priorcomplaint Submitted to the CFPB on XX/XX/XXXX XXXX
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (SC)

I refinanced my home in 2022. The mortgage was sold to Homepoint Financial after 1 or 2 months. I have repeatedly called them and emailed them information about the three types of insurance on my property : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Flood- with XXXX XXXX XXXX ( XXXX ) XXXX XXXX Wind and Hail - with XXXX XXXX ( XXXX ) XXXX XXXX Homeowners - also with XXXX XXXX In late XXXX a long phone call with Homepoint included phone calls to these two insurance agencies, and I believed that all was resolved. This morning ( XX/XX/XXXX ) I received a " final notice '' from Homepoint for not having insurance... 

Homepoint paid the flood insurance ( late ) on XX/XX/XXXX Homepoint has sent a check for wind and hail to XXXX, but still not paid the Homeowners Policy : The Wind and Hail can not be ordered by XXXX as Homeowners must be in place. 

I tried calling Homepoint this morning. they repeatedly disconnected Hoempoint is both incompetent - putting my property at risk, and unpleasant
Consumer complaint received 2023-02-02
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. (MD)

To whom it may concern : Experian has denied my request to remove the account XXXX DEPT OF XXXX from my consumer report because they reported congressional findings as frivolous and irrelevant information. There is nothing frivolous and irrelevant about my right to privacy. In pursuant to 15usc1681 ( a ) ( 4 ) Experian is responsible for a consumers fairness, impartiality and respect for right to privacy in which they have violated. In pursuant to 15usc1681a ( d ) ( 2 ) ( a ) ( ii ) 3rd party corporations are excluded from my consumer report For Experian to call my statement as frivolous and irrelevant shows that they do not respect my consumer report and my credit worthiness which they are destroying my reputation. This information is inaccurate and unfair, which is a violation to in pursuant to 15usc1681 ( a ) ( 1 ) Inaccurate credit reporting impairs the banking system and unfair credit reporting gives me low confidence in this organization line of business. For proof of Experian allowing 3rd parties into my consumer report I have attached to complaint of the soft inquires of business that I was never aware about and never authorized. Pursuant to 15usc1681a ( d ) ( 2 ) ( i ) Experian was conducting transactions I was unaware and not notified about which is a violation of the law and my right to privacy. This is my consumer report I determine what goes on my consumer report and what does not. Pursuant to 15usc1681b ( a ) ( 1 ) I never gave written instructions for Experian to furnish my consumer report and there was no court order authorizing to furnish my consumer report which is a violation. Finally, in pursuant to 15usc1681a ( g ) Experian has refused to give me the file with all the transactions conducted in my consumer report which is unfair, transactions involving all inquires and accounts involving XXXX DEPT OF XXXX account. I want the account XXXX DEPT OF XXXX REMOVED FROM MY CONSUMER REPORT FOR IT IS DESTROYING MY CREDIT WORTHINESS AND REPUTATION.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NJ)

After providing necessary documents and verbally having an agreement with signed documents, The servicer Ocwen decides to change the terms. I make XXXX a year now after starting a new job in XX/XX/XXXX and deserve a better term as first told. Having a Balloon and being told at XXXX, XXXX would be due in one lump sum is not acceptable. After showing concern the principle was allegedly reduced more but still Considered Ballooned. Not again what was stated earlier with the streamlined Hamp as described. Being able to pay down the debt with 3.12 interest as described with 40 year term was told as it would be. XXXX has been given XXXX a month since XX/XX/XXXX and the servicer tried on a holiday week to have timing is of the essence, sign, date, notarize by XXXX XXXX. Securitization audit and Quiet Title were requested with a QWR with all not being provided. Home Owner Bill of Rights and the issues with Investors servicers past and present should make this more unique workout solution. XXXX XXXX another lawyer is in jail now for realestate fraud and XXXX ipo issues that did Foreclosure rescue scam XXXX on me and I 'm tired of censured attorney chapter XXXX that would not let me fire him as his firm acquired info from Litton Loan and then said they were not doing a loan mod after they had us fill out docs stating different. Very unique people. Please advise, ... ... on my rights with the changing of terms that is not welcomed when I make enough income and they see that. Being scammed and represented illy is horrible.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/2023 in the amount of {$3000.00} I made a payment to my credit card bank of America on XX/XX/2023 in the amount of {$3000.00} they took the funds out of my account and shows the payment on my account but they made the payment a charge vice a credit to my account like they should of. I called they refuse to make the {$3000.00} payment I made show as a credit to my account vice a charge and they took the money out of my account. SO they basically XXXX XXXX XXXX from me. I want this payment credited to my account ASAP! i ALSO WANT A CREDIT FOR ANY INTREST CHARGED FROM XX/XX/XXXX UNTIL THE DAY THEY APPLY MY PAYMENT AS A CREDIT VICE A CHARGE.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I have been identified as a member of the Settlement Class in XXXX XXXX XXXX v. TD Bank, N.A in which plaintiffs allege the defendant unlawfully assessed Retry NSF Fees. The Final Approval Hearing in this case occurred on XXXX, 2022. I have repeatedy tried but have not been able to get an update on this matter. 
Below is the contact information for the Settlement Administrator : XXXX XXXX XXXX  v TD Bank , N.A . 
c/o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Free XXXX ( XXXX ) XXXX Email : XXXX Kindly assist. 
Best, XXXX XXXX
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

My mortgage loan originated with XXXX XXXX, but was sold to Green Tree. Green Tree since has merged with Ditech due to a class action lawsuit. On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Ditech Financial ( Previously Green Tree ). My check was cashed and cleared out of my account by XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a call from Ditech 's collection department requesting a payment for an unpaid balance. After explaining to the women on the phone for a long time that my check had cleared the account from their servicing department, she was still harassing me for a payment. I was able to provide proof and speak with a team leader named XXXX who found my payment and made the adjustment. My payment was mailed very early, and was cashed by XX/XX/XXXX. Still after finding my check and acknowledging their error, my account as of XXXX XXXX, 2016 has yet to be fixed. They have never applied my payment of {$1500.00} to my account, and removed the late fee that should be gone. All of this is an error in their system, and I was harassed by their company to make a payment that had already been cashed in their system. Nearly 1 month after my payment was debited out of my account they still have not remedied the situation. I am very concerned about the future payments. I can also say customer service when I call is very poor. I get put on hold without notice. People transfer me without notice and do not notify the person who I was transferred to why, and most importantly no one has fixed the issue.
Consumer complaint received 2023-02-02
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. (FL)

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 : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2023-02-02
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.