davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Owned home since 2020 my mortgage was sold to current mortgage company and my payment went up XXXX. Tried to talk with mortgage about the increase in payment I was told my taxes increase and home owners increased and my flood insurance increased. Talk to my home owners about the increase it has not increase talk to the flood insurance company about the increase it has not increase looked at my taxes they have not increased. My escrow went from XXXX a month to XXXX a month Carrington mortgage has not provided any information or have I agreed to and increased escrow. Carrington has not made any effort to explain why the increase and it impossible to get a direct answer. I would like to make formal complaint about Carrington Mortgage
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

XXXX, XXXX is attempting to collect a debt from me being a cosigner on a apartment that I have no knowledge of the lease started XX/XX/2022 and ended XX/XX/2022 i know this is not possible because I was in the state of Texas since XX/XX/2022 XXXX
Consumer complaint received 2022-11-21
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. (NV)

This is my numerous endeavors 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}
Consumer complaint received 2023-06-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC (WA)

On XX/XX/XXXX, XXXX/SPRINGEQ, LLC, obtained my credit report resulting in a hard inquiry. I am requesting the removal of this credit inquiry and submitting a complaint of discrimination based on gender and veteran XXXX status, based on deceptive practices from a dishonest lender. SpringEQ initially assured me, through my XXXX XXXX loan officer, that I would qualify for a XXXX loan to fund our addition that is currently under construction. 

SpringEQ gave inaccurate and deceptive information prior to obtaining my credit report by informing me that I would qualify for the HELOC while my addition is under construction. I was working with XXXX XXXX from XXXX XXXX, and he used SpringEQ as the third-party broker for my requested XXXX loan. I told XXXX that we are adding an addition to our home and are looking for a home equity line of credit to complete the project. I sent all requested documents, was required to pay off my taxes in full and did so, my credit was approved, my debt-to-income ratio was approved, the home appraisal that was required came back, looking great. That same appraisal included photos of my addition that is currently under construction. 

SpringEQ obtained my credit report, causing a hard inquiry, based on inaccurate and deceptive information at the beginning of the loan process. I was told that all my documents and appraisal were approved, and everything looked great. My loan officer told me that I would receive the final approval the week of XX/XX/XXXX and then have the funds in my account 4 days after the final approval. However, SpringEQ denied my XXXX request on XX/XX/XXXX, citing that they would not approve the loan because of the addition being under construction. This reason for denial contradicts what the company informed me at the start of the loan. If they would have been honest about disqualifying me because of the construction at the beginning of the process, I would have never continued the process with them or allowed them to obtain my credit report. This hard inquiry needs to be removed so that I can reapply with another upfront and honest lender. 

I have reached out to Spring EQ through email, phone, posting reviews, and reporting to the XXXX, and still have not heard anything from them to resolve this situation. I believe SpringEQ discriminated against me based on my gender and veteran XXXX status, as everything else in the loan process was approved and there is not any other reasonable excuse to deny my loan in the last week of the process. They cite the denial is because the construction of the addition is incomplete, but that makes no sense, and should have been disclosed at the very beginning instead of leading me along for 30 days. I firmly believe this is discrimination against my gender and veteran XXXX status. This process has caused my credit to plummet as a result of paying off my taxes in full as one of the requirements to proceed with the loan and the hard inquiry.
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXXXXXX  I deposited a Cashier 's check in the amount of {$3000.00} I was told that it would be available the following day being that it was a next day item. I then saw that a hold was place on the deposited cashier 's check until the XXXX of XXXX. I went into my local branch to speak with a manager in regards to this matter ; which he stated he could not remove the hold. I was then giving a number to the back office and fraud department to get this escalated for the hold to be removed. I was told this would take 24-48 hours to get a approval. While on the phone speaking with an associate I asked to speak with a manager or Supervisor. I was questioned to why I wanted and needed to speak with a manager and or supervisor. I then explained that I have been in banking for 4 years and I currently am a XXXXXXXX XXXX XXXX at another financial institution. I then began to explain and question the Reg CC guidelines for next day items ( cashier check ) if a hold were to be place on said item how and when it should have been released. I have been banking with Bank of America since XXXX  and due to the level and lack of customer service I was provided and the nature of which I needed said funds available is the reason I filing this complaint.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

There is a derogatory mark for the SYNCB/VENMO  account for the only XXXX on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

XXXX  report display an inconsistency with report. I would like to have this updated.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

- XX/XX/2024 : After trying to log onto my Marcus by Goldman Sachs account, I find out that the account has been temporarily locked. I call customer service to unlock the account. I am told that they can not " authenticate '' my account because my phone number is not linked to my last name. Customer service representative says they would close my account and hangs up on me. I call again and this customer service representative tells me they would open a case and someone will call me within XXXX business days. 
- XX/XX/2024 : No one has called me, so I call them again. I am told that the case is still open and that there was nothing they could do. So I ask them to close the account because then the money would automatically be transferred to my checkings account on file. 
- XX/XX/2024 : I have not received a closure letter and the funds have not been transferred to my checkings account, so I call again. I am told that the previous customer service representative misinformed me about being able to close the account and that the case was still open. I am told that someone would call me. 
- XX/XX/2024 : I call again given that no one has reached out to me. I insist on speaking to someone who can offer me an alternative solution but am told that that is not possible because the customer service representative on the line can not " authenticate '' me. I am told that my case is still under review. 
- XX/XX/2024 : I call again and, once again, I am told that the case is under review and that someone would call me. I am asking to speak to someone who can offer me an alternative solution and has more details but my request is denied. 

I have been locked out of my account and unable to access my funds for a month now. I have provided the company different ways of verification, including name, date of birth, social security number, address, and secret password set up when I opened the account. I am told that the " authentication '' is unsuccessful because my phone number is linked to a different last name. This statement is incorrect as I have confirmed with my mobile provider that my phone number was correctly linked to my last name. 

I have approximately XXXX USD in this account that the company is preventing me from accessing without any legitimate reason.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I received a letter from Jefferson Capital Systems , LLC, attempting to collect a debt of {$520.00} related to a XXXX Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. JCS has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

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 account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on the credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-16
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
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Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-11-21
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX 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 information relating to any transaction by the consumer. 
XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-07
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: Bread Financial Holdings, Inc. (NY)

After reviewing my credit report on XXXX, i noticed there is an inquiry from Comenity Bank/ XXXX XXXX which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : Comenity Bank / XXXX XXXX Date : XXXX, XXXX, 2019
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

Nelnet has removed my access to view any relevant information about my student loans including critical disclosures and any balance/debt attached to my name. 

I have submitted numerous requests and have been prompted to reset my password, which I have, and I am still unable to access my account information - this access was removed after submitted previous complaints about the same company. 

I have even contacted support to no avail. I need to be able to access my student loan information in order to understand and monitor their balances, especially after submitting complaint previously about the same company. Any assistance in restoring my ability to access my account is appreciated.
Consumer complaint received 2023-06-28
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-29
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. (IA)

Theres a fraud alert on my Trans Union, XXXX and XXXX credit report. Banks, credit unions, financial institutions and companies can not verify my identity through Trans Union, XXXX or XXXX because of the fraud alert on my Trans Union, XXXX and XXXX credit report. Furthermore, more I want to Opt-In and receive pre-approved credit offers by mail or email.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

We inherited the checking account and were told at the time that maintaining a {$1500.00} balance would allow us to avoid the bank 's {$25.00} a month annual service fee on the checking account. This year we come to find for this calendar year we have been charged for each month, though the account balance has been above {$1500.00} each month. To this US Bank replied that as a Premier account, with a combined balance of less than XXXX, the fee is in effect. So, we had them change the account to the one with the {$1500.00} balance threshold. Point : it would have been nice to have been informed that our bank was about to begin charging us {$25.00} a month for an account we have never had to pay a fee on due to maintaining a checking balance of {$1500.00} or more. In effect, I feel as though US Bank has stolen my assets for at least the last 4 months.