davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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. (MD)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-03-27
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. (NV)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

On or abut XX/XX/2023 a Cashiers check XXXX XXXX was distributed to XXXX XXXX  for the payment of services. 

The business of XXXX XXXX XXXX deposited the cashiers check in Wells Fargo Bank XXXX 

Wells Fargo Bank received the funds from XXXX XXXX XXXX. However, the 'Wells Fargo Bank XXXX with held the funds from XXXX XXXX XXXX My transaction could not be completed. The Wells Fargo Bank violated 12 CFR 229. I request sanctions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After a thorough review of my updated credit report, I have discovered that your company is reporting inaccurate and incomplete information that is adversely affecting my creditworthiness.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (TN)

XX/XX/year> - {$13000.00} was transferred from my account to another account not in my name. I contacted Fraud and was advised 3-5 business days for resolution. I have been following up and am now being told there's no timeline for resolution. UMB Bank, NA is the financial institution XXXX XXXX uses.
Consumer complaint received 2022-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

We never stopped paying PNC Bank After proving PNC wrongfully started foreclosure proceedings in XXXX while our account was paid up to date, PNC Bank retaliated by forcing the entire loan due immediately. They would not let me pay one dime more on the loan it was all or nothing. 
I have proof that PNC Practices have been abusive, deceptive, and unfair. After filing a complaint with the Consumer Financial Protection Bureau and not getting anywhere had no choice spring XXXX but to file for a modification to stop the foreclosure. Once again, no communication or notice was given but I kept calling to find out we were granted a trial modification at a very high rate we were expected to pay {$2000.00} a month on a $ XXXX HELOC. I made the payment, tried calling to confirm with XXXX XXXX at PNC, no reply, out sick then off work. Found out from another PNC Bank representative over a month later that the payment went to the wrong department! That is why it was returned! 
Total breach of fiduciary duty, what about due diligence? A simple note in our file, anything, to let someone know the status?? By the time all this was figured out and explained we were not only under foreclosure, but a sheriffs sale was set for XXXX XXXX XXXX 
No one should live with despair like this! Culpable negligence, PNC misapplied payments, harassed me, charged enormous fees, penalties and continued to debit our account until it was overdrawn. 
Our home is listed for sheriffs sale on XX/XX/XXXX for $ XXXX? How can they do this to us? Wont anyone help? 
Ive kept a listing of PNCs unprofessional behavior over the years and what I have had to endurePNC is a glorified loan shark taking advantage of less fortunate. The HELOC in question was a high interest predatory loan solicited by a bank representative, XXXX XXXX. This same bank representative granted my husband a $ XXXX second mortgage loan 14 months prior to discussion of the HELOC ( the terms of the loan had him paying interest of 50 % of the loan principle ). My husband could not make the $ XXXX second mortgage on time but that same bank rep granted a $ XXXX additional HELOC? My husband overdrew his PNC checking account 15 x the three months preceding the HELOC approval date and with the $ XXXX loan we already had no equity left in our home! 

Since this loan was taken out I've had XXXX children, XXXX twice and it looks like a possible third and final time... I'm trying to be responsible and pay what is due... they took advantage and have made my life a living XXXX. Everyone in the neighborhood knows, my kids friends say things to them. ( My daughter is in XXXX XXXX/my son in XXXX XXXX ) ... they are both XXXX XXXX.. PLEASE HELP US! Can anyone help?
Consumer complaint received 2023-05-25
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: PNC Bank N.A. (DC)

In accordance with the Fair Credit Reporting Act. The list of accounts below by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, PNC, XXXX, XXXX. 
15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. XXXX reported late payments when account was under deferred status by Department of Education.
Consumer complaint received 2023-05-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX The cfpb states that there was no response? I spoke to someone at least XXXX times. I submitted over XXXX documents and in a separate complaint that was marked as a duplicate. It was a duplicate of this complaint. I have since submitted another XXXX or XXXX and all of my bank statements supporting the attached spread sheet and pay history
Consumer complaint received 2023-03-31
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. (TX)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Acct Number XXXX XXXX XXXX XXXX, Acct Number, XXXX XXXX
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I had call Wells Fargo on XX/XX/2022, to notify them of a scam happening in my checking account for them to cancel a transaction of {$980.00} sent to an XXXX XXXX that I did not authorize the person I spoke to at Wells Fargo said not to worry about that transaction because it was being cancelled. A day later I checked my checking account and learned that money was transferred XX/XX/2022, to this XXXX XXXX person. I went into the Wells Fargo branch to discuss what had happened and I learn that when I called to report the scam it was wrongly processed. It was processed as a lost debit which I never reported that I told them a transaction was being made because someone was able to access my checking account to cancel the {$980.00} amount. It was never cancelled even though I reported it in minutes of learning what was happening. Wells Fargo made an investigation after I spoke to management and explain how this person called me and said it was trying to help me get my money back, but it was the other way around he was trying to get everything I had in my checking account and was successful by transferring {$980.00} into his account or some kind of card. After Wells Fargo made an investigation, they decided they couldn't return my money because it showed I authorized it even though call and explain of a scam and I also went into the branch and explain exactly what happened. They said that it had happened to other people and a week later I learn by media that other customers were having the same situation as mine and dealing with Wells Fargo not helping or protecting their costumer.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization, such as auto loans, bank accounts, as well as apartment rentals, have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. Account : Achieve Personal Loans Account # : XXXX {$15000.00} In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The Numbered Account attached to this dispute violates my rights. 
15 USC 1681, section 602 A. States I have the right to privacy. 
15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately. 
According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 
And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( 6 ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.
Consumer complaint received 2023-05-25
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: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Sent them legal tender of {$57000.00} for account # XXXX, XXXX XXXX  refused payment and destroyed my instrument, stating the amount provided was insufficient to cure the default. Which means debt should be discharged since they refused payment.
Consumer complaint received 2024-11-20
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. (NY)

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-18
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. (CA)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-29
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. (NJ)

XXXX about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to Equifax pertaining to XXXX " XXXX XXXXXXXX XXXX XXXXXXXX '' accounts ( amounts {$3500.00} and {$6000.00} ). Equifax response to my validation request was I quote, " The disputed item is not currently reporting on the Equifax credit file '' and quote. Confirmation # : XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, my wife obtained an identity theft police report for both XXXX XXXXXXXX XXXX XXXXXXXX accounts as well as other accounts, XXXX Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to Equifax, XXXX and XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, I called Equifax to inquire as to the continued reporting of the XXXX XXXX XXXX. Of XXXX accounts. After being transferred several times and on hold XXXX. and XXXX mins. the supervisor would not answer my questions as to their legal authority to continue reporting these XXXX accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX hr. XXXX mins. XXXX seconds, See Attachments. Complaints : XXXX. Equifax did NOT validate the XXXX XXXX XXXX. Of XXXX accounts. XXXX. Equifax said the XXXX accounts in question were NOT reporting on my credit file. XXXX. Equifax continues to report the unverified accounts after receiving the police report via certified mail. XXXX. Equifax has requested I contact the creditor for debt validation. XXXX. Equifax has blocked me from accessing my Equifax account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : XXXX has also failed to delete these XXXX accounts from my file. I received a letter from XXXX ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my XXXX account online the debts were still reporting therefore, this complaint also applies to XXXX. 












Date : XX/XX/XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX - XXXX FCRA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors Terms are listed as 1 month but that was not the agreement made XXXX XXXX XXXX XXXX FCRA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors Terns are listed as 1 month but no agreement was made
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (KS)

I paid Lexington law services for a trial a five day or something to repair my credit .. well then it didn't do anything but every week there was a charge even though they said they would not charge unless theydid something they never accomplished or did anything even though they took my money and I was getting the run around about a credit letter they said I could get but it changed everyday it was a different story
Consumer complaint received 2024-03-18
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. (CA)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
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: Nelnet, Inc. (DC)

In accordance with the Fair Credit Reporting Act. The list of accounts below by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, XXXX, XXXX, Nelnet. 
15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. Nelnet reported late payments when account was under deferred status by Department of Education.