davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Upon checking my credit report XXXX seen things that are reported that are not suppose to be there. I don't know where these accounts came from, I reported to police station that my identity has been compromised and filed a report. I sent off letters to the bureau on XX/XX/XXXX and these accounts still have not been removed. The following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (AL)

I obtain a copy of my XXXX credit report in XXXX and have been working since then to have this false loan removed from my account I didnt have a loan on a vehicle and have never signed for a loan. I have since then filed a theft of identify and a police report which i will attach. I spoke with the credit bureau and have sent in a dispute letter and added an identify theft statement to my credit report. 

Please contact this company and remove this immediately from my report. I have been made aware under THE FAIR CREDIT REPORTING ACT the company must remove this from my report and proved a copy of the transaction records per the FTC 609 ( e ). 


Account charged was {$11000.00} written off but past due as of XX/XX/XXXX is {$9900.00} the account was open XXXX I dont know if it was a loan or lease new or old car
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Employment Data Reported : Employer Name : XXXX Date Reported : XX/XX/ Position : Broker The the Date Verified of XX/XX/2008 is correct. 
The position of : XXXX is correct. 

The Employer Name : XXXX is incorrect. 

Its spelled XXXX. 
Its supposed to say XXXX. Not XXXX but XXXX XXXX XXXX stands for XXXX XXXX XXXX XXXX 
Please Correct.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/XXXXXXXX  While I was out of the country in XXXX I got notification that transactions were made totaling XXXX at a XX/XX/XXXX gas station in XXXX Ca. I immediately called Chime and they canceled my card and requested to send a new card to me leaving me without a card to use in XXXX which was fine because I did not want any more fraudulent activity to go on. I even called the XX/XX/XXXX however up until now I still havent gotten a response from them after leaving voicemail messages. Chime advised me since the transactions were still pending I could not dispute the transactions until they were cleared. When I arrived home Saturday XX/XX/XXXX and seen that the transactions cleared I disputed the charges in the app. Early Sunday morning I received an email that my claim was denied and no error occurred however I had my physical card with me in XXXX and could not have possibly made the transactions at a gas station in XXXX. Ive submitted my boarding passes showing I was out of the country plus a picture of my physical card that was in my possession as well as screenshots of my call history to chime and XX/XX/XXXX. They have denied my dispute 4 times when I can prove it was not me who made these transactions. Yet they will not send any supporting information as to why they are denying my claim. I even made a transaction while in XXXX using my physical card and all of the agents I spoke with verified that they saw the transactions in XXXX. There is absolutely no way I shouldnt get my money back. They are not doing their job with investigations. XXXX is not money I can take lightly. I am a single mother on XXXX from work. I can not afford someone to take money not to mention they over drafted my about by XXXX. Please help!
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian has reported two invalidated accounts on my credit report 1XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature Experian is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Our home loan was transferred at the beginning of XXXX from XXXX XXXX to Roundpoint Mortgage. The initial payment to Roundpoint Mortgage went through successfully, and payment confirmation was received without any issues. Our second payment to Roundpoint Mortgage was made on XXXX. The second payment shows on their portal as " Pending '' but no payment confirmation number was received, and there is no way to edit this current payment in their portal. The only option that the portal allows is for an additional payment after the pending payment. A confirmation number should have been generated for the payment that was made on today 's date, and that pending payment and confirmation number should be displayed somewhere in Roundpoint 's portal, not just an option for an additional payment which is confusing, and would probably result in the average consumer making an additional payment for the same payment month since their portal does not indicate the payment, only a reference to a future payment several days later.
Consumer complaint received 2023-08-24
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. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A. (UT)

In the month of XX/XX/2023 I was late with my payment, but still made the payment in XXXX and it was toward the end of the month of XXXX I went ahead and made XXXX payment as well since it would be due in a few days ( payment was mailed in ). They took XXXX payment and put it towards the principle instead of the payment, I called to fix the problem while i was waiting for them to fix it they reported to the credit bureau that I was over XXXX days late which dropped my credit XXXX points. This has happend to me XXXX times with similar circumstances. During covid XXXX XXXX XXXX XXXX  and let PNC know so I applied for a hardship because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so they moved those payments to the back of the loan which we agreed upon. Next thing I know my credit was dropped XXXX points because of missed payments, this was never disclosed to me that i would take a hit like that, I didn't think this would happen because of covid. I remember the news saying that you couldn't get in trouble with the banks.I feel that i have been treated unfairly and that i have been targeted, when i asked them to restore my credit and fix this problem I was told I would have to write a letter to them since nobody in there credit department took phone calls. Pretty crooked!
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm never late. The Bank agreed to update this account due to a family tragedy. Please update this account ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please correct.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I have sent in my FTC letters and late payment removal letters to the actual creditors and they have not responded in a timely manner and by them not responding back to me in a timely manner it's affecting my credit report because some of these accounts have been paid in full a are closed and the ones with late payments were paid off and brought up to good standing and I have asked the companies for a good will removal since the accounts were brought up to date and the accounts are paid off.
Consumer complaint received 2023-07-08
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. (MO)

I am writing to dispute the collection efforts regarding accounts of the alleged debt below that you claim I owe. I am aware that under the Fair Debt Collection Practices Act, you are prohibited from using any false or misleading representations in your attempts to collect a debt.Specifically, You are in violation of 15 U.S. Code 1692e ( 10 ) False or misleading representations, which prohibits the use of false or misleading representations in connection with the collection of a debt. Also I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. Your attempts to collect the alleged debt have been misleading and deceptive, as you have failed to provide me with sufficient documentation and proof of the debt.
Consumer complaint received 2023-10-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (OH)

XX/XX/2022 we engaged with Schumacher Mortgage to build a new home and XXXX XXXX discussed with us a XXXX XXXXXXXX XXXX that we use 20 % of our home value down as a pre-payment for a new home. The numbers we discussed were our current home was appraised to sell at {$520000.00} and we owned {$300000.00}. The numbers on our contract are {$300000.00} + {$150000.00} for a total of {$460000.00} to pay Schumacher when we sold XXXX XXXXXXXX XXXX. We sold XXXX XXXX  for {$540000.00} and made more profit than expected and Schumacher is trying to force us to re-finance and dictate where the additional funds we made from the sale will go without our consent or agreement. As we discussed {$520000.00} is the number that we would profit for our house Schumacher can not play XXXX with someone's profit and try to tell us as the consumers and homeowners where the funds should be allotted. My husband and I have both tried to talk to XXXX XXXX ( NMLS # XXXX ) and the XXXX XXXX XXXX ( NMLS # XXXX ) to resolve this and we are getting XXXXhree different reasons as to Schumacher is saying that they can take our additional funds and I have read our loan papers and there is nothing, nor is it spelled out clearly and we asked them to highlight it and provide us the terms that show they can play XXXX with our profit. We also need to see where it states the profit needs to be applied bc we have in emails three different reasons and areas.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (PA)

My XXXX credit report has the company FNB OMAHA on IT, BUT THIS ISNT MY ACCOUNT. I have NEVER had an account with FNB OMAHA. I have lived in XXXX  for the past XXXX  years. I want this account REMOVED FROM my credit report even though IT has been in good status since the year XXXX. Thank you for your help.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (KS)

This company MCM keeps calling me. Ive asked him to stop. They dont listen to harassing me to the point to where my XXXX is at an all-time high.
Consumer complaint received 2023-10-21
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: Experian Information Solutions Inc. (PA)

TO REMOVE IMPROPER AND INCORRECT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX XXXX. REMOVE IT. IT'S FALSE AND NOT TRUE!! SEE SUPPORT DOCUMENTS. SEE ATTACHED.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (IN)

I have requested that FactorTrust provide me with a credit report and to freeze my report with their company. This request was sent on XX/XX/2023. On XX/XX/2023 I received a letter from the company stating that they found no record of a consumer matching my social security number and could not provide a report or freeze my information. I called their customer service number that day and was told to resubmit my information requesting that an account be created and frozen. A second letter was sent on XX/XX/2023 again requesting my credit report and that it be frozen. I sent requested documentation of SS #, Driver 's License # and a current utility bill. On XX/XX/2023 I received a letter from FactorTrust saying once again they had no record on file for me, and did not create an account or freeze as I had requested and been directed to do by their own customer service representative. I am sending a third letter today, XX/XX/2023 trying to request this a third time. Under the FCRA am I not entitled to have this been done? I am at a loss as to what else to do.
Consumer complaint received 2023-08-24
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. (NC)

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 ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER Starting in : XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (AZ)

In early XXXX I opened an account for my small business with Truist bank. I deposit our checks daily through an e-check verification company called XXXX. Once we opened the account we deposited a little over $ XXXX into that account. That's a lot of money for us being a small business. They put the deposits on a standard 7 to 10 day hold which I understood. The day before the funds were to become available, I called to confirm and was informed that my accounts had been frozen and we were under a check fraud investigation. XXXX of the checks was from a title company and because of their positive pay system, they stopped payment on it. I spoke to the title company, and got confirmation by email which I sent to Truist of the reason that they stopped payment. I answered every question that they had. Then at the end of XXXX I received a letter from Truist stating that they no longer wanted to continue the banking relationship and were closing my account which was more than fine with me. There isn't a branch in my state and they offered no solutions on how to get my money back. I was told I have 7 days to bring my account positive if it wasn't. Well it was positive $ XXXX. I called again and was told that because of thebway we do deposits, that our funds were going to be held until the end of XXXX. I spoke with our customers and confirmed that those funds left their bank accounts a day or so after I deposited them. I even had a lawyer draft a demand letter and they are saying that they never got it. I can not speak to anyone that will help me or do anything so that we can get our money back. I've told them that as a small business, that after being ope. For over 20 years that if they held our funds that we would have to close. They don't care and refuse to offer any solutions. It's almost XXXX and they still won't release our funds or tell me anything other than the account is scheduled for closure in XXXX. I dont even know if they will give us our money then at this point. I need help getting this money or I will lose everything. We did nothing to deserve this.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have told this company to freeze my credit account and to notify all XXXX credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX  on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX  with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXXXXXX XXXX and XXXX.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently obtained a copy of my credit report and reviewed it. It stated that the following inquiries ( mentioned below ) made a credit inquiry. These inquiries, however, were not authorized by me. As a result, I'm sending thisto contest the inquiries and have them deleted from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX