davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Approximately one month ago I received a letter from the mortgage company ( Carrington Mortgages Services ) stating that a disaster had been declared in our area and we would be eligible for forbearance if needed. I ignored the letter as we know of no disaster and are not in need of any assistance. XXXX  I received a letter from them stating that they received a request from me to voluntarily cancel our forbearance plan and that as of the date of the letter my loan is no longer in forbearance. This statement implies that they put it in forbearance at some time! I called the company XXXX  ( XX/XX/23 at XXXXXXXX XXXX XXXXXXXX - spoke to XXXX XXXX and told them at no time did we request assistance or any kind of plan and that I wanted a letter from them stating that my loan has never been in forbearance and that they did not report any such info to any credit bureau. They stated that they called me last month and that I said that we didn't need any assistance. I do not recall that phone call at all. However, even if I did receive the call and told them no assistance was needed, I am still angry at the implication that my loan was in forbearance at some point and I want something in writing from them saying that it was not. They refused, saying that that was the only letter they could send me. I also want in writing from them that they did not report any forbearance activity to any credit bureau. That is my main concern.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm looking to buy a new house and don't want the current extended fraud alert on my profile to hold me up at all during the home-buying process. I'd like to have it permanently removed and have supporting identification documents in the letter which I've uploaded below!
Consumer complaint received 2023-08-15
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. (FL)

I am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX XX/XX/XXXX ( Equifax Inquiry ) I am concerned that my personal information may have been compromised, leading to unauthorized access to my credit history.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (MA)

I am writing to formally dispute and request corrections for inaccurate information on my Equifax credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. To this date, Equifax has not responded. Below are the details of the inaccurate information and the necessary corrections : The following account is not mine : Creditor : XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Credit Limit : {$900.00} Action Required : Please remove this account from my credit report. 

You are reporting the XXXX XXXX XXXX XXXX account incorrectly : Date Opened : XX/XX/XXXX Balance : {$2300.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$2300.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

The information indicated on the DIGITAL FED CREDIT UNI account is imprecise : Date Opened : XX/XX/XXXX Balance : {$680.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$680.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

I require that you verify the account identified as XXXX  XXXX : Date Opened : XX/XX/XXXX Balance : {$6300.00} Past Due : [ Remove this ] Action Required : Verify and correct the reported balance to reflect the accurate amount. 
Remove the Past Due information. 
Mark this account as disputed while I resolve my dispute with the creditor. 
Verify the Date Opened, Date of Status, and First Reported.
Consumer complaint received 2023-07-13
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. (FL)

XXXX, XXXX XXXX Transunion is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries and collection acct reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX XXXX Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX, XXXX XXXX Transunion does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : Transunion commission file number XXXX : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX Collection Acct XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance {$4100.00} Account numberXXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-23
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (AZ)

I took out a auto title loan with Cash Call and was given more then I could qualify for and rushed thru the rates which are illegal. They gave me a {$10000.00} auto loan with rates over 200 %. Yes that is correct an auto loan with over 200 % rates. I was at a bad time in my life and going thru XXXX issues and they took advantage of that by skimming quickly thru the papers and having the money on the counter while I was signing to distract me from the papers. Well I made a couple payments and then couldnt make the {$1100.00} a month payments on a 72 month {$10000.00} loan. I have been disputing this as an illegal loan with XXXX and the other XXXX bureaus with out getting it removed. This is effecting me from being able to get mortgage licensing and costing me big time. I need this removed from the credit bureaus as this illegal loan should not be allowed to post to the credit bureaus.
Consumer complaint received 2023-09-08
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. (FL)

I have a paid charge off that has been reporting on my credit for a couple of years now. This paid charge off has a huge impact on my ability to secure favorable credit terms and financial opportunities. I have attached supported documents from the ACTUAL creditor. I kindly ask that you conduct a thorough review of my account and consider the removal of this paid charge off. I trust that this documentation will aid your evaluation and decision-making process.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

On XX/XX/2018 my credit score went down 85 points overnight due to XXXX Incorrectly reporting that my account had been closed. The account is still open, I sent in a dispute with them and they basically denied the dispute and said that they reported the information correctly. This is the second time my score has dropped because of this company last time it was 100 points and took my score to a XXXX i'm on a repayment program of {$0.00} because I was laid off from work and I start back to school in a few weeks and I don't want them saying that I need to pay anything and ruin my score even more. theres no reason why they should even be reporting on my account. I am a mother of XXXX and I'm in the process of trying to purchase a home this is negligence on there end no one should have to deal with this company they don't care they don't have good customer service and judging by the rest of the complaints I'm not the only one who feels this way. This is enough to make no one want to peruse an education. I would like them to report the correct information and get my 85 points put back or to actually remove the accounts like they reported that they did.
Consumer complaint received 2023-09-08
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I have had several weeks of unemployment benefits loaded to the ReliaCard. My mailing address on file with ohio unemployment is : XXXX XXXX XXXX XXXX, OH XXXX. ReliaCard issued and mailed a card to an unknown address they refused to specify even after verifying my identity. They agreed to mail a new card overnight to the correct address. I got the new card XXXX days later but it was already locked for " fraud ''. My funds were frozen. When I asked them why they refused to give an explanation and said I must submit my photo ID to a verification site and wait 2 days. I submit the ID and called them 2 days later. They claim a request came from XXXX XXXX  to close the card for no reason. I asked for explanation of that and proof also they refused to communicate about my own account. I was refused documentation. They have treated me unfairly... not held up thier own card agreements and refuse to allow access to my rightful funds. They also flagged my account for fraud before it was even activated. How can fraud be possible without a single transaction or even an active account?!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (OH)

The problem is with CREDENCE RESOURCE XXXX I'm not liable to pay this debt because my original contract was with XXXX XXXX XXXX and I did not authorize them to sell my information to this company this account has been deleted on it's own under XXXX XXXX XXXX so they basically resold my information which is against the law
Consumer complaint received 2022-10-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.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. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX CO XXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-08
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. (LA)

XXXX  XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/2022 POLICE REPORT FILED
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

On XX/XX/22, I learned that my check XXXX XXXX was cashed to a person that I did not authorized. The check was written to XXXX in the amount of {$66.00}. The check was washed and written to a XXXX XXXX XXXX for {$15000.00}. PNC Bank was notified on XX/XX/22. I was not able to open an account online, so on Monday XX/XX/22, I went to my PNC branch location in XXXX, GA to open a new account while the current account was being investigated. The branch was under staffed and not able to take that day. They referred me to the XXXX location in XXXX XXXX, XXXX XXXX XXXX opened a new account. The bank mailed me an affidavit which I submitted on XX/XX/22. After a couple of weeks, I checked with XXXX XXXX on status of resolving this matter and stated that I really needed my {$15000.00} returned. At that time she asked me if the bank had told me that it would take 120 days to look into this matter. I told her this was not satisfactory. She made a complaint on my behalf. I was was contacted by XXXX XXXX XXXX at PNC. I asked at that time if PNC would provide interim funds. She said it was not possible. She basically said it takes 120 days and there was not anything I could do about it. I received a letter from PNC Bank on XX/XX/22 that showed proof of payment and to call PNC if thought it was fraudulently negotiated! I was upset. XXXX XXXX said it was standard procedure and PNC was still investigating. She said I should file a police report. I filed a report with the XXXX Georgia police depart. Case # XXXX with XXXX XXXX XXXX in late XXXX. I found out later from XXXX that the PNC XXXX request XXXX is XXXX. 
It is now closing on almost 3 months since the fraudulent check was issued. Check washing has happened often recently, especially for mailed dropped off at the XXXX post office. Other neighbors and friends that I know have received their money from other banks within a month. The banks are XXXX and XXXX XXXX XXXXXXXX. It seems very unreasonable to have this issue take so long. Also, it seems suspicious that the person knew they could write a check for {$15000.00} and it would go through. XXXX Police said that {$1500.00} was the highest amount that had been frauded to date! 
Basically, I have to call periodically to get updates on this from PNC. The only PNC rep that I have a phone number to is XXXX XXXX in the XXXX XXXX. Her Branch Manager is XXXX XXXX. The person handling my complaint and investigation is XXXX XXXX  XXXX. When I spoke to her in XXXX she gave me a number that was never answered and you could not leave voice mails. I feel like they are hoping that I will forget about this matter. I am over XXXX and feel I am being taken advantage of! PNC never has offered to provide funds in the interim while I am out the money. I have asked at least twice. This is unsatisfactory service!