davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (FL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (AZ)

I am receiving letters about a debt that belongs to my significant other. We are not legally married nor are we tied together financially. I have called the company and so has he to let them know and they continue to send me threatening letters. They have now sent me a letter threatening to garnish my wages. He is paying the debt and they continue to send threatening letters. Id like to pursue legal action at this point.
Consumer complaint received 2018-10-22
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: Rocket Mortgage, LLC (MT)

On XX/XX/XXXX and XXXX, XXXX, Quicken Loans pulled my credit report without my knowledge or authorization to do so. I found out just this year, XXXX, that the inquiries were on my report and I got a hold of Quicken Loans immediately. They asked for a letter from me stating that I did not authorize such a credit pull, which I provided. I want disciplinary measures taken toward Quicken Loans and the mortgage loan officer who pulled my credit report twice without any sort of authorization by me whatsoever. They fraudulently obtained my credit information without my expressed consent and there should be repercussions. I was told today, XX/XX/XXXX, by XXXX XXXX, representative for Quicken Loans, that the inquiries will be taken off my credit report with no direct date of this noted. XXXX did take XX/XX/XXXX, off because it was a repeat of the one Quicken also pulled on XX/XX/XXXX. As of this date, the pull on XX/XX/XXXX, is still on my credit report.
Consumer complaint received 2019-03-25
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. (GA)

The following account information is incorrect reporting that I was late on the following accounts : XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( Transunion and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( Transunion and XXXX ) ; XXXX 's : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX  ) ; XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( Transunion, and XXXX ) ;
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXX/XX/2022
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IN)

I have had my account charged an overdraft fee multiple times for the same instance on multiple occasions. On XX/XX/XXXX I spoke with a PNC representative about the multiple charges and was assured that the multiple instances were for charges that were already pending and would not occur more duplicate charges, I then received 3 duplicate overdraft charges the next day totaling {$100.00}. 

I was also given 2 overdraft charges for the same {$16.00} charge on XX/XX/XXXX. I again spoke with a PNC representative, was escalated and called by by a supervisor, and was told that the first charge was for a {$94.00} charge the previous day, however even their own account software shows that I had a positive balance that day. The PNC representative then tried to explain to me that I could avoid the charge by improving my spending/saving, and while I agree that it would have prevented the issue, that is unrelated to the erroneous charges and the PNC supervisor would not address them.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and XXXX. I need your assistance in getting this item removed from my credit file.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

On XXXX XX/XX/2023 at XXXX got an email from Ally bank stating -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, we declined a recent transaction because you didnt have enough money in your Spending Account to cover it. 

What you need to know about the transaction we declined {$300.00} XXXX XXXX XXXXXXXX XXXX  never charge you an overdraft fee, but check with the recipient for this transaction. They may charge a fee on their end. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have {$630.00} as account balance at that time but still the transaction is declined. 
I called Ally bank and talked to XXXX ( interaction # XXXX ). She couldn't help. When asked to talk to the supervisor. Hold time of around XXXX minutes but no supervisor is readily available.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

I have been going through financial hardship and it has caused me to be late on payments. I have reached out to XXXX to remove late payments on my report and Im having no luck.. I have started making payments on my accounts
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

On XX/XX/XXXX, I purchased a new home using Lakeview Loan Servicing company. I made monthly payments of {$1800.00} plus additional principal payments. On XX/XX/XXXX, the day of my third child 's birth, i found i was locked out of managing my account. XXXX downloaded multiple " misapplication reversals '' and an " escrow advance '' transaction. As I can not login to the account I can not see what caused this. I contacted the company via phone and was informed the account was 5 months delinquent and the online account had been locked to prompt me to call in. Representative XXXX informed me that " they '' were actively working on the account and not to worry as the " lack of payment '' error had not effected my credit. She stated the accounts were not properly moved from a " holding '' account to the disbursement account. She did not know when service would be restored so i can re-enter the account and see what is happening. Today is XX/XX/XXXX, six days after i noticed the error.
Consumer complaint received 2023-10-13
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: SYNCHRONY FINANCIAL (FL)

I went to the Mattress  Firm in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via credit karma that a hard inquiry was ran against my account for a loan for this company.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

The credit bureaus ... XXXX, XXXX, Experian have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.
Consumer complaint received 2018-10-18
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX  ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX  XXXX ( XXXX   : XXXX ).
Consumer complaint received 2019-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I bought a house on an FHA mortgage back in XX/XX/XXXX. It was a 30 year fixed loan from XXXX XXXX XXXX. Around a year and a half into my mortgage, it was sold to Mr Cooper ( then Nationstar Mortgage ). 

Nationstar is saying that my 30 year loan started when it was resold to them, not at the original time the loan was taken out. That's around a {$15000.00} difference in payment schedules. 

I have all the original lending disclosures from XXXX saying my last payment will be in XX/XX/XXXX and Nationstar is saying that my last payment will be in XXXX or XX/XX/XXXX. That's a HUGE discrepancy that I would like to correct. 

I tried to tell Nationstar that it was wrong and they said I'd have to call XXXX  XXXX XXXX, who bought XXXX. I tried calling XXXX XXXX XXXX and since I'm not a current customer, they won't tell me anything.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

a XXXX XXXX was assigned to the account well over amonth ago, he finailly reached out to borrwoer rep the other day, we hav elost so much time and now carrington states foraclosure to be put in paper XX/XX/2019/thsi was caculated ,2 weeks went by and i asked XXXX XXXX why has not gotten back to me and stated he was sick, then no calls twoweeks now forclosure, this is very disengenious.demand is madeborrwoer have formal discussion on loss mitgation options!! this is and unfair business practice.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (IN)

My daughter and I have a checking account together .my daughter got a check from a lady that needed her to send money to XXXX . 
Ps they also took my daughter 's savings account money. 


. 
.my daughter put the check in the bank by atm on XX/XX/2023 and the bank cleared it on the XXXX the bank was closed on XXXX an XXXX then we tried to get money on the XXXX they told us that the check was counterfeit.and froze our account took what money we had left from out ssa check.and said we would have to pay XXXXhowever on the XXXX our ledger says XXXX then on that same day that bank took the check and said we owe XXXXwhen all along we thought the money was good. The check was from a lawyer .that owed this money to our friend.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XXXX of XX/XX/XXXX I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be on my credit report.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX I opened a small business loan through Wells Fargo. When I was approved the banker stated that I was approved for a credit card as well. The banker stated that there was a promotion going on spend {$5000.00} in 3 months and get {$500.00} cash back and receive your cash back in 12 weeks. I fulfilled the offer within 3 months with over {$6000.00} spent. After not receiving my money as promised I made a call to the credit card department. The representative I spoke to stated to me that I would receive my money in 3 to 5 days. I did not receive it so I made another call the representative I spoke to said that the previous representative was misinformed and I would not receive my {$500.00} cash back from Wells Fargo for 45 to 60 days. I then made a call to the banker that opened this credit card for me and he made a call to the Wells Fargo credit card company and they stated to him that they would be paying me my {$500.00} cash back within 3 to 5 business days. Again, it did not happen. I then made another call to the banker and he stated he called the credit card company again and the person that he spoke to was misinformed and told him that I would not receive my money for at least 45 days. I need a call to corporate and made an official Complaint about this and never received a phone call back so I called back to corporate and they stated to me that I would not receive my money until XXXX of XXXX. I since then have contacted the local news and the Federal Reserve Department. My banker made a call to me and he stated to me that Wells Fargo said that he was not allowed to discuss this with me any further. Shortly after that conversation in executive from Wells Fargo contacted me and told me that they were working on it it was going to take some time. What time is there to take Wells Fargo offer and they did not fulfill their offer I am getting the runaround from Wells Fargo I'm thinking this is why they have a bad name in this banking business. Just trying to get my money and they are not fulfilling this offer that I have in clear writing.
Consumer complaint received 2023-10-13
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: Cascade CISS Holdings, LLC (IL)

On or about XX/XX/2023, I notified XACTUS-CP fraud department of an unauthorized inquiry on my credit file. XACTUS-CP did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP. Therefore, XACTUS-CP who's headquarters is located at XXXX XXXX XXXX XXXX XXXX MD XXXX did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General. 

On or about XX/XX/2023, I notified XACTUS-CP/ XXXXXXXX XXXX  XXXX fraud department of an unauthorized inquiry on my credit file. XACTUS-CP/XXXX XXXX XXXX did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP/XXXX XXXX XXXXXXXX. Therefore, XACTUS-CP/XXXX XXXX  XXXX who's headquarters is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General.
Consumer complaint received 2018-10-19
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. (OH)

Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately : Account : XXXX XXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXXXXXX XXXX : never been in this state