davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (NJ)

This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX  XXXX, XXXX XXXXXXXX
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by me.
Consumer complaint received 2022-12-02
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. (NV)

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$8500.00}. Experian reports incorrectly that this account is past due {$8500.00}. Experian reports incorrectly this account Credit Limit is {$7000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

I have received many phone calls claiming to be from PHH mortgage. When I do not answer, they do not leave any kind of message. When I do answer, they do not say anything and after a few seconds they hang up. I was able to get a someone to respond once. He had an accent and said I was late on my mortgage payment. I have NEVER been late on a mortgage payment, nor had I received any notices. 
A few days later I received a notice ( almost 2 weeks after the calls started ). I called PHHmortgage asking why it says I 'm late on my payment. According to the representative, my payment was applied to " principle only '' and the computer was not recognizing the payment. The representative said he made the correction and also advised that these phone calls were probably from their collection office. 
The mortgage rep was not able to confirm the calls were legit! 
This is the second time this has happened! And I am still getting calls even after I supposedly fixed it with the mortgage rep.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ZIONS BANCORPORATION (UT)

XXXX and XXXX At Zions bank took {$4400.00} out of my cash reserve with out notice, they said they were ordered to take it out, I told them I did n't owe anyone money and maybe they were looking for somebody else after they reviewed the collection they saw that it was not my debt and they told me they where going to charge it off and not to worry about it years later XXXX and XXXX have been calling and and harassing me to pay it saying I owe him {$8000.00} this is not my debt they stole money from me I want them to correct the situation and give me {$10000.00} for harassing me for the last XXXX years I want him to take it off my credit as well this is not my Debt have them Prove that it was me they where after for the collection of the Debt and that it was me they where ordered too take money from and you 'll see that this was not my debt XXXX just did the same to their costumers as well
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MI)

IC Systems has put a negative mark on my credit report for a debt that not only was not owed but is also beyond the statute of limitations for the State of Michigan. My credit score is has been negatively impacted by 34 points, and this is tantamount to extortion. The information from my credit report is found below : I C SYSTEM INC XXXX XXXX XXXX XX/XX/2019{$360.00} {$360.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX threatened to enter a negative mark on my credit report if their equipment was not returned when I cancelled their service, it was, and I've been harrassed by these hellions ever since. How do I make this stop and remove this none sense from my credit report?
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

Truist Bank failed to pay escrowed funds to renew Flood Policy on my home despite escrow funds available to do do so. On XXXX XXXX Truist mailed notice indicating a lender-placed policy would be purchased if the prior policy was not renewed and proof of insurance provided. I called Truist to enquire after receipt of the notice and reps indicated no renewal notice had been received. I contacted insurance agent and connected him with Truist to transmit renewal notice to proper Truist address. Truist assured me all was well. I offered to pay the policy out of pocket and square the expense with escrow funds at a later date to avoid further delays or possible issues. Was advised such payment was not necessary. 
This was all within the 30 day period to renew without penalty or lapse. Despite this action on my part, I received another notice two weeks later from Truist stating the policy had not been paid. Again I called Truist. They indicated the renewal notice had been received but the {$490.00} premium payment was on hold in their system ( they later claimed the renewal notice did not have the premium noted, which is odd since they knew the exact dollar amount ). Long story short, I called again and a manager authorized on XX/XX/XXXX the overnight delivery of the payment. The {$490.00} payment was made and confirmed XX/XX/XXXX. During that conversation I asked and was assured that no lender-placed policy would be purchased due to my actions to rectify Truist 's errors. Despite that assurance, and the escrow debit of {$490.00} being paid, seven days later an ADDITIONAL lender-placed policy was purchased for escrow funds by Truist in the amount of {$2600.00}. 

When I realized what had happened I called again and demanded a refund as none of the errors or delays were my responsibility. They agreed to review and get back to me. They never did call or write back, but did issue an un-noted refund of a pro-rated portion of that policy purchase, leaving the balance charged against my escrow account {$550.00}. This is unacceptable. In multiple calls, some escalated since, Truist reps say there was a lapse in coverage and it is my responsibility becaise there records indicate the BANK MADE NO ERROR in the handling of the account. At all times throughout this affair I was responsible and proactive, the bank was not. My notes of a XX/XX/XXXX call with rep XXXX XXXX show that she agreed and identified the bank 's error and opened a ticket requested a refund of the additional {$550.00}. That request was denied and repeated calls to the bank and discussions with supervisors XXXX XXXX have yielded the same result. The bank continues to deny any error and refuses to issue an additional refund of the {$550.00}. They state it is a settled mater and there is not oath for appeal or arbitration.
Consumer complaint received 2022-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

We recently got burglarized last XX/XX/XXXX and filed a claim for our home insurance policy with Wells Fargo to cover our losses. We called Wells Fargo and was informed that we dont have any existing home insurance policy for our house under our name but in fact was paying for a policy for a different person and a different address since XXXX until recently. Our previous insurance policy was cancelled because of this. 
We have been calling Wells Fargo since the incident regarding coverage for our property losses but have been passed from one representative to another with no resolution regarding our present predicament. They said somebody will call us regarding the matter but it has been more than a month since then and we havent heard anything. Getting burglarized was a very traumatic experience for our family and we are all still struggling with post-traumatic stress at this time. And to make matters worse, finding out that we dont have an existing home insurance policy has made our current situation even worse.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Precise Financial Group, LLC (CO)

I received a phone message from a Guy named XXXX at XXXX ext XXXX. They only thing he said is that he had information on where I worked and to give him a call. When I called to speak to him today in regards to what it was for, he did not verify any information with me. He could n't verify it by caller ID because I called from my place of employment. He only asked me for my name and that was it. He did not mini Miranda me and did not tell me that it was an attempt to collect a debt. He then disclosed my ex-husband name to me, the name of the original creditor, and the amount that was owed. He did not verify by ssn, address, dob, phone number nothing that it was truly me he was talking to. It could have been anybody calling in stating my name and he just disclosed all that information to me without truly knowing who I was. I offered {$50.00} per month until my wages that are currently being garnished is paid off then I could start paying more. XXXX refused to try to work with me and made the comment that this conversation was going nowhere and hung up on me. Did n't give me an opportunity to try to offer a different amount or anything. After he hung up on me, he immediately turned my file over to the legal department so then when I called to talk to his supervisor, he was n't willing to work with me either. It really disturbs me that XXXX disclosed that much information to me without verifying who I was and hung up on me before I could try to get something worked out.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I was turned down for a mortgage due to information in my XXXX credit report. I have disputed a XXXX account several times, and they refuse to correct the information. They have also locked me out of the website and will not allow me to file a dispute online, nor will they provide me with a free credit report. XXXX will not allow me to access my report online unless I pay for the report using one of their services. The XXXX account XXXX was charged off in XX/XX/XXXX. XXXX is now reporting the account as having been charged off in XX/XX/XXXX. They have illegally re-aged the account. The are also incorrectly reporting the first date of delinquency ( should be XX/XX/XXXX ). Due to this incorrect information, I was turned down for a mortgage. The account needs to be deleted because they have not been able to verify or correct the information and have since illegally re-aged the account which resulted in my inability to obtain a mortgage. I also need to have full access to my credit report. I have attached supporting documentation from a XXXX report and also from a XXXX statement dated XX/XX/XXXX. The dates and balance on the XXXX account as reported by XXXX are all incorrect. I either the entire account to be deleted since they have not been able to verify or report correct information. Their false reporting has damaged my ability to gain credit. XXXX has ignored previous requests and locked me out of the website. 

Thank you.
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Friendly Finance Corporation (IN)

I am a customer with Friendly Finance for almost 5 years now. I have gotten into a place where I have had to make arrangements with this company due to lost of job unexpected life event, I have always kept my agreement and have tried my best not let the company " GUESS '' my circumstance. I have made an arrangement with this company to pay {$400.00} a month {$33.00} more then my payment so that they will finally give me an extension on the account to cover the month I had gotten behind. So i have been making {$400.00} payments every month for the past 3 months and have 1 more month to go before they will give me the extension to bring me all the way current. But I have kept my agreement. On Monday he called me to verifie my arrangement to make payment on Saturday. HE TOLD ME WHAT MY ARRANGEMENT was ... ... I said yes and we hung up. 
He then procedes to call me 9-12 times a day leave multiple answering machine messages EVERY DAY and call my references EVERY DAY after we hung up. From bogus numbers as if they are in my town or a different state but when you try and call these numbers back their is no connection. I work during the daytime hours so no one has time to talk to someone every SINGLE DAY when i have already made arrangements and have a history of keeping my PROMISE. I called the company to request a Supervisor to complain they said they could n't let me speak to one at that moment but would have one return my call and no one has returned my call. This goes on month after month. When i am clearly making my payment each month as i have agreed. And to threaten Rep on my answering machine i just think is unfair and causes me a great deal of stress on something I feel I am doing and keeping my promise for. I just do n't understand why they are just aloud to do whatever. I fear my car will be gone every morning i wake up even though I am doing what they have asked me to do. I ca n't continue to go through this I wish I could just give the car back but you and I both no I can not do that when my livley hood depends on getting back and forth to work. Thank you so much for your time.
Consumer complaint received 2022-12-02
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. (IL)

transunion has these listed as hard inquirys and they need to investigate and send me proof to these inquirys or get them deleted ive been complaining about these for 8 months already Good news! It's a temporary ding and scores usually bounce back in 3 months. 
Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan. 
Inquiry details XXXXXXXX XXXX XXXX Finance ) XX/XX/2022 XXXXXXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX ( XXXX and travel ) XX/XX/XXXX XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

After seeing 3 different branch managers and an uncountable amount of phone calls with corporate for over a year, for simply wanting to cancel wire services since XXXX of 2021, getting charged monthly fees for a service I requested to cancel, getting charged for stop payments on multiple occasions for transactions I did not authorize and still getting rejected, after so many bank visits, emails, additional monthly fees for XXXX knows what that no branch manager or account specialist or customer service rep could even explain to me what these fees are for, let alone follow up or do anything about it - I finally was able to close my two business banking accounts with PNC today. I feel humiliated and cheated out, since all these fees and unauthorized charges totaled over a couple of XXXX dollars. Each time I came last to visit PNC bank branches in XXXX XXXX XXXX XXXX XXXX branch managed by a XXXX branch XXXX named XXXX, XXXX XXXX branch managed by a careless branch manager named XXXX XXXX XXXX and a downtown branch formerly managed by XXXX ) I felt XXXX small and unimportant. They've all seemed " so helpful but busy '', telling me to send them an email, never following up, never calling back, never doing anything about it. When I call corporate they start telling me that I did request a cancelation for my wire services back in XXXX of 2021, but the branch manager never gave me another paper to sign to confirm it? Why is it so intentionally convoluted? And when I ask the branch managers about it they look at me as if I just landed from XXXX. They even put a new " work order '' for the wire services cancelation a month ago and never followed up with me about it. I have email communications proving all of this, bank statements and if needed deeply enough you could look into camera footage and see the amount of hours I spent in frustration at these branches, to no avail. This bank is run by XXXX, and even if I don't get anything back I want people to know about this running XXXX of a crime organization, claiming to be a bank. I'm just beyond tired of all this. If needed more evidence, I'm more than willing to dig through and gather any information about what I said here, I'm just so exhausted from dealing with such nonsense while on top of that trying to run a business, let alone have a life.