davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
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)

Over 60 days ago I disputed an account with Transunion that was not originated/established by me. I am a victim of Identity theft and TransUnion has a certified copy of my police report on file that was also taken under oath. 

That said, Transunion sent me a new report .... not a full report stating the account with XXXX XXXX XXXX Account Number XXXX had been deleted. I trusted them and assumed the account was removed. However, I recently pulled my credit and discovered the account is still on my credit.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Equifax mishandled my personal information including name, social security number, address, birth date, drivers license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I may be affected on their website www.equifaxsecurity2017.com. Equifax has put myself and millions of others at risk of identity theft / fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

Payment made XXXX 2015 was not credited to my account. Upon providing documentation of the payment clearing my bank account, Navient disclosed that they issued a check refund to another individual with the same name but a different mailing address ( the address has never been my address ; no relationship to the person they issued payment to ). Navient refused to either correctly credit my account or issue me a refund.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I have been using the PNC Bank mobile app to deposit funds into my account for years. Now PNC has updated their mobile app. and the requirements to use the app are an incredible invasion of my privacy. 

If I do n't agree to their requirements, I am not allowed access to my accounts on my mobile phone. 

When I inquired in the bank about this horrendous invasion of my privacy, I was told, " Well, just do n't us the app. '' That response is unacceptable. 

The requirements are wholly unreasonable. 

Here is what I get when I open the app : " 1. Optional Allow PNC Mobile to access this devices location.
2. Required Allow PNC to Make and Manage Phone Calls. This permission allows PNC to use unique phone information like your SIM ID and phone number to help protect you.
3. Required Allow PNC Mobile to access photos, media and files on your device. This permission allows PNC to assess you device for vulnerabilities against unauthorized account access to help protect you.
For security reasons, your access to the app will be blocked if you do not accept the required permission requests. '' I have talked to other people who bank elsewhere and the same requirements are being applied to their bank 's mobile app. 

Banks have no right to make phone calls on my phone or to manage my phone calls. They also have no right to access my photos, media, or files on my phone without express specific permission. 

Not even the police or FBI have a right to do these things without a warrant. 

What can I do about this? What can you do about this?
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and Experian : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and Experian by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
Consumer complaint received 2017-11-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However Equifax and XXXX have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.
Consumer complaint received 2017-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (VA)

This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.
Consumer complaint received 2017-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

This company called me stating they were going to have my wages garnished and my taxes withheld if I did n't pay this amount. Informed them this was a result of identity theft and they continued to call me. They placed this on my credit report AFTER being informed that it was a result of identity theft and all the original documents have been sent to the original creditor.
Consumer complaint received 2017-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
Consumer complaint received 2017-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (TX)

SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This is not my account when I called the company they were very rude and said I needed to pay this or else
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX XXXX XXXX XXXX on my XXXX XXXX credit card was canceled. I received a letter from XXXX verifying the cancellation. XXXX XXXX XXXX were charged to my account on XX/XX/XXXX.
Consumer complaint received 2017-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (IL)

I 've got 4 calls today to my pre-paid cell phone from XXXX. They want me to call back and enter my SSN.
I graduated college in the 70s and my only student loan was paid off over 3 decades ago. This is a SCAM, not an attempt to collect on a student loan.
Consumer complaint received 2017-11-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fay Servicing, LLC (MD)

I divorced on XXXX XXXX XXXX. The divorce court order states I am no longer liable for the mortgage account as of XXXX XXXX XXXX. The XXXX has defaulted on the loan as of XXXX. Bank XXXX XXXX removed the negative report in XXXX after receiving the XXXX documents. XXXX XXXX put the defaulted mortgage balance back on my reports. They to have received the XXXX order stating I am not liable for the mortgage and refuse to remove the negative report. 
I am not liable for the mortgage per the court order thus my credit report should not reflect any record after XXXX XXXX XXXX. Please help clarify this issue respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX Sears General Inquiries XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I opened a Sears credit card account ( XXXX ) for the express purpose of purchasing a XXXX Brand Washer ( XXXX ). After numerous calls to CitiBank/Sears customer service center, I was forced to visit the Sears store to complete the purchase since the online did not recognize my account. I was assured by several Citi Representatives, that all provisions of my Citi/Sears credit card contract would be honored by the store. That contract, as a 'targetted customer ', called for the additional discount or credit of up to {$32.00} for the initial purchase within 30 days of activation of the card, and another {$200.00} credit to my Citi account once my purchases with the card reached {$1500.00} in the first 90 days. Now, I am a frugal and conscientous consumer and expect advertised prices and contracts to be honored as written. 
I spent over one hour in the Sears Store in XXXX, XXXX, paperwork in hand, to make sure that the prices and discounts matched what I had been promised online and on the phone. After speaking with a number of uncaring associates, I ended up with the Acting Store Manager, who was very understanding, pleasant and acommodating. He directed the sales staff to match the quoted prices by issuing a {$53.00} credit to my account as soon as the sale was entered. He could not, however, offer the {$32.00} or the {$200.00}. credit since those were part of the credit card agreement with Citibank and would be subject to the terms of contract and would appear on my credit card statement within the first 2 billing periods once the conditions of contract had been met. 
When I arrived home, on the same date, I again contacted Sears/Citibank by phone, and was assured by a very professional gentleman, that the specific offers in the case of my account and contract would be unequivically honored by Citibank. Last week, I received a credit from Citibank on my account in the amount of {$150.00}. I immediately called Citibank/Sears customer service and spoke with a Rep and her Supervisor. I was rudely informed that the {$150.00} was the maximum I would receive on my purchase and at no time was any other credit offered, allowed, or honored. THIS IS UNACCEPTABLE. 
At this point, I want a copy of the credit card contract of XX/XX/XXXX which I agreed to online, credits to my account for {$50.00} plus {$32.00} as per contract conditions, and a written apology from XXXX and XXXX. This letter will be forwarded to XXXX general offices and MA Attorney General, as well as posted on Social Media if these conditions are not met promptly. The credit card account will be paid and cancelled once the outstanding balance is satisfied. 

Respectfully, XXXX XXXX XXXX XXXX/XXXX. Sears, XXXX XXXX, XXXX
Consumer complaint received 2020-04-29
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

My vehicle, a XX/XX/XXXX XXXX XXXX, was repossessed inXX/XX/XXXX. It was picked up by XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX Ga XXXX ( XXXX XXXX ). I was told I had a week to get the vehicle before it was sent to auction. I was unable to and the vehicle was no longer there when I came to get my belongings. I never received communication from Santander about owing them any additional money. According to Georgia Code - 10-1-36, they are required to notify me what the vehicle was sold for and that they are pursuing me for a debt. About two months ago, a company purchased this debt and claims I owe {$10000.00}. On my credit report, it shows three different amounts : XXXX XXXX  and XXXX  ( attached ). I do not understand how I could owe anything on a vehicle that went to auction and how I could owe three different amounts. I also was not told where the auction was held, so I was not even given the opportunity to get the vehicle.
Consumer complaint received 2017-11-14
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. (MT)

On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been updated.
Consumer complaint received 2017-11-11
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. (TN)

On XX/XX/XXXX I sent a multiple inquiries removal letters to Equifax via Certified fax and USPS after viewing my credit report I notice that I had multiple and didnt private inquiries from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, screening Reports, 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, EXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX  several of these are duplicates. I also attempted to contact them via phone and filed disputes regarding unrecognized XXXX plus Hard Inquiries and some are duplicates on my credit file and ive asked to have these deleted considering they are affecting my credit ratings. I asked how can I have these processed with having a credit freeze and fraud alert on my Equifax credit file with no clear explanation. On XX/XX/XXXX Equifax completes the re-investigation stating that the unknown Inquiries are factual. Ive asked them to please send proof of the factual information they stated they received as on today XX/XX/XXXX I havent received the information I received a copy of my credit report again. I verified my name and addresses which are listed incorrectly and I have disputed this multiple times as well which is the reason Ive have a freeze and fraud alert. Please see the attached documentation.
Consumer complaint received 2017-11-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (NC)

I need your assistance in protecting me, and my clients from harmful conduct that conflicts with me and my clients basic expectations, created by Loan Officer XXXX XXXX XXXX XXXXXXXXXXXX NMLS : XXXX Phone : XXXX, as it relates to how my clients and I have been treated. Please help me/us to ensure that bad actors such as him and City Worth can not use deceit and fraud to drag the rest of  the market down to their level? 

Who Am I? : I am a Realtor at a real estate Firm which represents both Buyer and Seller in a transaction in which the aforementioned loan officer provides services to the Buyers. I am the Listing Agent, representing the seller. 

What Did He Do Wrong : 1. On XXXX/XXXX/XXXX, XXXX XXXX, willfully and intentionally deceived me and my sellers regarding a {$150.00} VA Appraiser Re-Inspection Fee, a Buyer 's Expense, by stating that the Buyer 's  loan would not be underwritten/approved to close on time, XXXX/XXXX/XXXX, per the Sales Contract, if the seller does not pay the re-inspection fee. The Sellers regretfully paid the {$150.00} fee, after I gave my sellers XXXX 's number, and XXXX spoke to them. XXXX disclosed to them at this time that the loan was moving along per the Sales Contract, and that we would close the loan on time.

2. On XXXX/XXXX/XXXX, I receive a phone call from XXXX XXXX requesting that my Sellers sign an Addendum to Sales Contract requesting that his company 's underwriting department provide conditional loan approval by XXXX/XXXX/XXXX. This is when I and my seller both new that we had been deceived by this bad actor.The seller refused to sign this Addendum stating a lack of trust and confidence in XXXX and his company 's ability to close this loan due to XXXX 's previous unethical and fraudulent communications. 

3. On XXXX/XXXX/XXXX, I and receive an email from XXXX XXXX, via the Realtor representing the Buyers, showing full proof that the loan had been through XXXX XXXX XXXX underwriting department, and had been conditionally approved, which I forwarded to my sellers. 

4. On XXXX/XXXX/XXXX, I received a text message from my Buyers who I introduced to XXXX XXXX after XXXX XXXX reached out to me shortly after the aforementioned Sales Contract was executed. Approximately XXXX today, I receive a text from my Buyer 's wife stating : ( XXXX XXXX is trying to get my husband another Realtor, and that her husband was told that things were going rough between XXXX and I. ) This is a form of loan fraud, general fraud, and deception to say the least... and this type of bad actor should not be allowed to go un-checked in this industry.
Consumer complaint received 2017-11-14
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Recovery Solutions, LLC (CO)

NorthEast Recovery Solutions LLC XXXX north XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX contacted me regarding a debt I owe. The message they left on a business phone contained most of my personal information. It also contained language about a pending complaint filed against me in my county. I called them back at the number they provided- they gave me more data, but would n't let me talk in any way. Then my husband called them back, she did n't verify any data, just proceeded to give him all of the information and then proceeded to insult my character on the line. She would not provide any data as to who her company was or their contact information. I called them again and asked for her supervisor, her supervisor said that she sits right next to this person and that she did everything right. That she would not review her call and that she, the supervisor, had no superior to speak to. 
They proceeded to dial over and over again to all of our numbers, from phone numbers that varied. When I called back to discuss the reference number they left me and to ask them for their company name and contact information - i was disconnected. 
I called back and was told that I need not call them again as they would file harassment charges against me for merely asking them to identify themselves. 
The woman proceeded to contact my husband, to tell him that I was threatening them and using foul language with them. Complete and total lie. 
I filed a complaint with my Attorney General who confirmed they are n't even licensed to collect in the state of Colorado. 
Not only would they not identify themselves, they gave away personal information without verification, they defamed my character, and then would n't deal with me on my own debt and threatened to file legal action against me for wanting to know who I was dealing with. When i asked them to only communicate with me via mail, they said that I did n't understand the law and that they could do whatever they wanted to collect the debt. Additionally, they do not let you speak. XXXX XXXX or XXXX and XXXX XXXX were horrific and impossible to deal with.