davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

I am writing to formally request the immediate blocking and deletion of fraudulent information from my credit file. As a victim of identity theft resulting from a data breach, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These provisions require credit reporting agencies to remove all fraudulent accounts and inquiries upon receiving notice from the victim. 
Fraudulent Account XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$50.00} Fraudulent Inquiries XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX ( XXXX instances ) XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (FL)

For months I was receiving invoices from a company named Affirm. I did not know what it was. Last week I found that the so called account was now on my XXXX credit report. I put in a disclaimer with XXXX but they did nothing about it. They said Affirm said it was mine. 

I have also called the fraud department at Affirm but have not heard anything back yet. 

Account Info Account Name AFFIRM INC Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX  Status Open. {$460.00} past due as of XX/XX/2023. 
Status Updated XX/XX/2023 Balance {$1800.00} Balance Updated XX/XX/2023 Recent Payment - Monthly Payment {$150.00} Original Balance {$1700.00} Highest Balance - Terms 12 Months Before this goes into collection I need this account to be closed. It is NOT my account. Obviously someone has stolen my Identification.
Consumer complaint received 2023-05-24
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. (NV)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (CA)

Hello, My initial application to  Suntrust Mortgage  was submitted in  XXXX  . 2017. It  entail a refinance of the current mortgage with the company. Everything was going well except the appraisal. It was more than 30 days after the initial application and all documents were submitted way ahead of schedule and A Paid Appraisal. The appraisal result was less than expected by more than {$100000.00}, So I appealed wit h Data and  a brief summary. Well I never received an answer regarding the appraisal and Then suddenly, I was n't approved anymore. I requested a refund of my appraisal, but was denied About 3 months later, I contacte d Suntrust  mortgage to state my dissatisfaction of the service to resolve our differences and to re apply since it was less than   six months.
I explain the situation to the former loan agent, but he refuse to talk, so I was transferred to another who transferred me to a manager which   allowed me to resubmit the appeal.   XXXX   XXXX  of my   chief    complaints was using an appraisal that was located more than  XXXX  miles away from subject property when there are plenty of appraisals located in the city of the subject property And the appraisal used comparables with different zip codes that are in undesirable areas. All of my complaints included references from police departments and   XXXX   XXXX   XXXX       After the submittal, the appraisal stood as is.
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. (DE)

Subject : Second Complaint Regarding False Account - XXXX XXXX XXXX ( Identity Theft ) - Request for Monetary Relief Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit my second complaint regarding an ongoing issue with a false account opened in my name with XXXX XXXX XXXX, which is a result of identity theft. The details of this complaint reference my original case, Complaint # XXXX, and I have also previously submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ). XXXX XXXX And Transunion continue to violate my rights by continuing to report the false information Despite my initial report to you XXXX Transunion, which included the submission of the FTC report and documentation proving my identity theft, the issue remains unresolved. XXXX XXXX XXXX  continues to report the fraudulent account under my name, severely damaging my credit and causing significant financial hardship. This false account is not only a violation of my personal security but has led to tangible, lasting consequences. 

I am deeply disappointed by the lack of progress and the willful neglect displayed in addressing this matter. Every effort I have made to rectify this situation has been met with delays, non-responsiveness, or dismissals. I have been forced to invest an unreasonable amount of time and emotional energy into a problem that should have been resolved swiftly. 

As a result of the continued inaccuracies on my credit report and the associated financial harm, I am now seeking monetary relief for the damages caused. My financial well-being, credit score, and emotional health have all suffered significantly due to this issue, and I believe that it is only fair that I be compensated for these damages. 

I kindly request your immediate intervention to resolve this matter and hold XXXX XXXX XXXX  accountable for its failure to address the fraud, as well as the ongoing harm it has caused. I also request that you expedite the removal of this false account from my credit report. 

Thank you for your attention to this serious matter. I trust that the CFPB will take swift action to ensure that my rights are protected and that I am provided with the relief I am due. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-05
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account Number started in XXXX. 

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 instruction.

under 15 U.S.C 1666 B 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 2023-04-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (TN)

I was told by the original lien holder that my account was almost paid off. The last receipt that I have in my possession shows a remaining balance of a little over {$1000.00}. Upon speaking to the collection agency, West Lake Financial, I was quoted a price in excess of {$6000.00}. I've had this vehicle for 4 years, so that amount is surely inaccurate.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/year>
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I purchased a condo and less than  one  and a half years later  my 30-year FIX ED rate mortgage payment has increased {$370.00} a mon th ( or 14 % ) due to erro rs. The dispute and follow up has been ongoing since  XXXX  and my fourth increase in just  five  months is set to occur in  XXXX .     Each time I have noted an error and voiced a concern, I receive an acknowledgement an error occurred and my account will be fixed / credited, and then my mortgage payments INCREASE.     All errors made with my escrow account ( that I know of to date ) have now been credited but my mortgage payment remains at the exasperated amount.     I have discontinued auto-payments and will send the original amount that I 'm meant to pay, as these errors should not result in a significant financial hardship for me and my family.   
Please see attached for the letter I most recently sent Ocwen and all the support I provide as well - and cross referenced for ease of use - for them to fix the error. Happy to provide evidence of my attempts to resolve as well as the inaccurate letters and statements I received from Ocwen thus fa  r.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Paid for credit score on XX/XX/year>. Tried to access score today and requested to pay again. 
Case # XXXX. I am trying to get work done to my home and need to make sure the score has not changed.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I am writing to request your assistance in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX XXXX so this complaint is specific to PNC-my bank and where the checking account involved resides. My intention in contacting the CFPB is to motivate PNC to respond. I also imagine I am not the only consumer waiting on a response from PNC ( or XXXX XXXX ). 

I was a victim of mail check fraud in XXXX, XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my PNC bank account. Per PNC, they are still waiting to hear from XXXX XXXX, the recipient bank that cashed my fraudulently altered check and, since XXXX XXXX does not have any real presence in Ohio, this is further complicating the timely resolution of my case, per PNC. I have also been told by PNC that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per PNC policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of PNC 's request for information and filing of XXXX Police and Inspector General reports and within the 20 days required timeframe and all of these documents have been provided to PNC last year. 

It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at PNC has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved XXXX XXXX to respond to PNC. My request is full restoration of my funds with interest by XX/XX/XXXX, which, as I understand it, requires XXXX XXXX to respond and work with PNC. The PNC reference number for my case is XXXX. The checking account # is XXXX. 

In addition, it appears expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds and advising consumers where/how to complain appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting PNC.
Consumer complaint received 2023-06-14
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. (MD)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These Inquires were unauthorized and i am a XXXX  of identity theft. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-30
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. (OH)

They are in violation of FCRA because they didn't do a proper investigation. I sent them a letter telling them that they are in violation of USC1681B and they need to remove the accounts. I asked for a contract between me and Equifax showing that I gave them access to furnish the listed accounts on my letter to my consumer report. They failed to do so, so I need the accounts I listed on my letter removed.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: FC HoldCo LLC (GA)

15 U.S. Code 1605 - Determination of finance charge XXXX XXXX sold car cash price of XXXX and charged for doc fee XXXX XXXX XXXX sales taxes XXXX to include a XXXX Dow payment
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: Paramount GR Holdings, LLC (NC)

This is regarding client of this company XXXX XXXXXXXX XXXX XXXX. 

The plumbing manager was trying to force me to take a tank water heater when I paid for tankless. I feel like my rights as a homeowner were being trampled on. Is he paying for the job or am I? He has no right to force me to take something. For two to three hours, I had no idea what was going on. At one point I asked for my existing tank to be put back and just cancel the job to the worker and plumbing manager. But my old tank AFTER removal did not work was what I was told. For two to three hours, I had no idea what was going on and did not have peace of mind. I was trying to reach my advisor and called the general number, but could not speak with anyone. You can not put a price on having peace of mind. After some time I was told they would run the gas line the next day. I was out of the heat for one day on XX/XX/XXXX, I was told that everything would be up and running on day 1. Due to a gas line being added the job is taking 2 days. This job is not yet completed and they have taken the money from the lender. My HOA has contacted me regarding the outside and asked when they are coming back to finish everything. I can not give them that day because they have not told me the day. They need to fix/replace the door, the outside lawn area needs work and it needs to pass inspection. They are not in a rush to line this up since they have been paid against my permission, I would have gladly paid them after they have completed all the work. It passed inspection 2 weeks ago, they said they would come back to fix/replace my closet door. After about 2 weeks of trying to speak to someone, I spoke to XXXX and he stated because I " choose the system '' they will not attempt to fix my door. They wanted to put a bigger tank than a tankless water heater. Also they need to clean the yard there are still flags and markings on the ground. This is over a month and the company was paid after a week, they should not have been paid. In addition, the water tank makes strange noises sometimes. 

Also, XXXX XXXX XXXX XXXX says they are XXXX XXXX XXXX accredited and they are not. If I had known this, I would not have chosen this company. This company needs to fix my doors.
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have sent numerous of investigation letters to all three Bureaus. they have not deleted Names and address on my credit report that are fraudulent and that are not mine. Also the jobs that are reported are not accurate. there are accounts on my Credit report that i have sent letters about that are not mine.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!