davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX I was charged by XXXX XXXX for a service. I submitted a transaction dispute because I no longer need the service. I no longer own a XXXX. The service was cancelled after calling XXXX. The bank tried to charge me fees. I had the over draft re credited to my account. I was charged a service fee. I called to have it re credited. I was told as a one time courtesy we will refund it. The transaction dispute was supposed to take 5-10 days. In opening the dispute. I submitted all evidence they asked for. You cant open a dispute without doing so. PNC changed the dispute to a XXXX dispute without my knowledge.In XXXX XXXX tried to bill my card again. I call XXXX had the cancel and remove my card again. I then went into bank to close my account again. I was told by XXXX at the XXXX tx branch. That I needed to submit more evidence. After showing that no debt card was linked to my XXXX account. It still has not been closed. This has been going on since XXXX of this year. I refuse to pay anymore fees to this bank. I was closing it due to. Different amounts of my money would randomly come up missing. After contacting them about it. I was never given a rational answer. This bank needs to be investigated!
Consumer complaint received 2023-03-04
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. (MI)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-31
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)

When I reinvestigated my credit report, I realized that some of the information was still erroneous. I've complained about this matter in my previous letter It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consistently, I've made sure payments on this account are prompt, avoiding any overdue status. I'm uncertain about the reasons for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-04
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other names or address listed on my report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-25
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. (CT)

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.

has violated my rights. Or a list of inquiries : 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

Good afternoon, I started an application with my bank on XX/XX/2023. The bank pulled my credit report as part of the process. I have been getting phone calls back to back all day today from lenders. Some of which I asked how they got my number and they stated, the credit report company gives them the information in order for them to call, and offer better, more competitive rates. 
I am filling the report ; however, I do not know if this is common practice. Although, I do not think it is fair for consumers/applicants to have their information and intent all over the place. Much less receive unsolicited phone calls based on an application process. 
Regards,
Consumer complaint received 2022-11-29
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. (GA)

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-26
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. (MD)

I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC (LA)

It Is very hard to pay anything when you are laid off ( which i contacted XXXX because Eaton is very unreasonable ) I called Eaton to make arrangements after I found employment but was not contacted back at all! Its really sad how the physical does people. When i became back employed my mother fell ill so i barely was working and i had to take over her bills and my own. Unfortunately, my mothers condition isnt getting any better and have been told i need to make funeral arrangements in the near future. Life is happening and people are going through a lot in life. I wish there were more human beings that actually care about people instead of money. I would sign promissory note in order to stop the garnishment and will make payments until i can give a lump sum to complete payment. At this point i will have to try to come up with money for my mothers finally business. Its very sad tho that i have to even ask for grace at this hard time in my life my kids and my mom is all i have and now i may become homeless as well as not be able to put my mother away properly. I also have a situation where i am in the process of suing a bad mechanic on top of all this! All i want was to try and establish another settlement because how can u expect someone to pay a settlement if they lost their job and then i contacted them and they never called or answered the calls. They have been ignoring me and that is the reason i have had to go through the company that sold them the debt XXXX XXXX but now XXXX XXXX have anything to do with this anymore and Eaton Group had yet to contact me or anything even after i called left messages and all! This company has done this to so many people and its sad! Im struggling financial mentally spiritually and physically! Its sad how this company doesnt care! And also unfair how this company sued sure the pandemic. I had a XXXX  XXXX  then and of course they didnt care about that either. Some one has stolen my credit card info several times, the bad mechanic has all my money that i was suppose to use to pay the debt i got laid off got a new job and now they are garnishing with no word no letter in the mail or any other communication
Consumer complaint received 2023-03-04
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-14
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. (FL)

On XXXX of 2023 I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission
Consumer complaint received 2023-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC (CA)

During closing we were told verbally PMI could be removed after 3 payments due to equity in the home. XXXX XXXX XXXX XXXX XXXX Made three payment, called and told need to make 24 payments. Made 24 payments. Now told after 24 payment 20 % of the note needs to be paid off ( XXXX ), wait until 20 % is paid off or reevaluated under the Homeowners Protection Act which I asked for. If an AVM is not available, I would have to pay for an appraisal. I have gotten a second appraisal in XXXX to back up the homes value in case the AVM came in low. I was told results would take 30 days. Now a 33 days later after 21 months of waiting the initial 3 months we were told originally i am done.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-03-04
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. (TX)

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 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

On XXXX XXXX I was locked out of my online account for Treasury management. After numerous unanswered calls and emails my account was restored with no explanation. On XX/XX/2023 I received a XXXX  with a letter stating my account would be closed on XX/XX/2023. Again after numerous unanswered emails and phone calls to everyone up to the president of the bank I could not get a reason for the closure. I am aware that the bank can close accounts for no reason and have agreed to that in writing, but my agreement clearly states that there would be XXXX  days notice of termination. The immediate cutoff to Treasury Management and ACH transfers has crippled my business and making other arrangements clearly takes more than a week. After dealing with Simmons Bank for over XXXX  years I find this treatment unacceptable. The complete lack of response from the organization and the Bank president XXXX XXXX in handling this needs to be reviewed.
Consumer complaint received 2022-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (FL)

XXXX XXXX of Joseph, Mann and Creed was verbally notified of a debt owed to XXXX being paid and then the proof was faxed to him. He has failed to respond and failed to up the issue with XXXX and reverse the rental suspension on my account with XXXX.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The issue I have with my mortgage lender, Nationstar, is that during my modification review the underwriter calculated the incorrect income and expenses that did not correspond with the supporting documents I submitted. My monthly expenses total {$3700.00} and my monthly gross income total {$5400.00}. The expenses the underwriter used for the review was {$4100.00} and monthly income of {$3700.00}. I have requested an appeal and escalated this matter with the lender. I want my loan modification application to be re- reviewed and I have submitted the most recent income documentation to the lender. The underwriter did not review the income and expenses that reflect my financial situation or correspond with the supporting income documents I submitter per lender 's request.
Consumer complaint received 2023-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Foreclosure has already taken place - eviction date was XXXX. This complaint is being submitted as the result of an article which states : Wells Fargo customers may be eligible for part of {$2.00} XXXX settlement. All efforts to save my home proved fruitless. Relative to sale date of XX/XX/XXXX of the property, Wells Fargo bought it back for {$100.00}. Prior to the sale, Wells Fargo has not been successful in providing the signature card signed by the property owner on a certified mailing supposedly sent to the property address. Federal Regulations were not adhered to prior to foreclosing, which required Document 24 CFR 203.604. The Note that I signed with XXXX XXXX XXXX XXXX dated XX/XX/XXXX, states, " This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, " Secretary '' means the Secretary of Housing and Urban Development or his or her designee. '' The servicer did not prove standing that the Note was owned by the bank. A letter from Wells Fargo dated XX/XX/XXXX stated, " If you're interested in repurchasing the property, please contact the listing agent once the property is listed for sale. '' I was made aware that my home was sold to an investor prior to XX/XX/XXXX. Additionally, Wells Fargo did not respond to these questions : In the Certification of Diligent Inquiry XXXX XXXX certifies that Wells Fargo Bank N.A. directly or through an agent, has possession of the promissory note. Proof was requested of the employment and title of XXXX XXXX XXXX as it relates to Wells Fargo Bank , N.A . This individual can not be found on the XXXX XXXX site. Requested proof of the travel of that promissory note citing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX XXXX, XX/XX/XXXX Docket No. XXXX, unpublished. Requested explanation on why there are two endorsements of the Note to Wells Fargo.
Consumer complaint received 2023-03-04
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. (NC)

I tried to get them to remove public records of bankruptcy and charge-off, inaccurate name, phone numbers and address that I never stay or Unknown names. Ive given them correct information but they still didnt remove information.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/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.