davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Account XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX, is showing two missed or late payments, this is false i have provide a letter form the creditor stating this is false and should be showing never late.
Consumer complaint received 2023-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (SC)

We have been filling out loss mitigation for 3 years since XXXX and My divorce caused us to be out of work. We never heard anything and listed the house spring  of XXXX. Had a full price offer and wound up pulling out after we received a foreclosure notice and reached out that we would like to keep the home and the only reason it was listed was because we didnt hear back. We were shortly later advised to call freedom mortgage because we would qualify for a COVID modification. We were assured this multiple times so we pulled the house off the market. When we completed the COVID modification for basically reinstating payments- i it required all the information the loss mitigation packet required despite being advised it wouldnt. I called to check the status she couldnt see it then I was told the system glitches but they would get it to XXXX. We were advised no additional paperwork would be needed. We were then advised a few weeks later that we did in fact NOT QUALIFY for one of the plans under the COVID options but would be offered a similar option but didnt need to resubmit because they had everything they needed. We received a notice requesting it a few weeks later so I called I was told no I didnt need to since we had recently submitted it all. Called the night before it was due to re verify it didnt and was told just paystubs and bank statements. I demanded to speak with a supervisor for clarification. I was then placed in direct contact with someone named XXXX XXXX who is a liaison for these kinds of issues. She advised complete the entire thing. We both had to call in last minute the day of but we got it submitted online. A bit later she advised that was not sufficient and complete the hard packet. She advised I could send directly to her. I completed and put everything in one file labeling each document. Was advised she would reach out and let us know if additional documents were needed. Heard nothing and received another packet in the mail to complete. I emailed asking why they needed again and for a phone call. Never got an answer and that phone call turned into what seemed like an intentional game of phone tag that ended with an email advise if she RESENT THE APPLICATION. I went to XXXX where the incompetence continued. They asked how I would like to be contacted by phone or email and I provided TWO EMAIL addresses. Didnt hear anything for a few days and reached back out and was advised THEY CALLED but got no answer- like it was my fault yet I NEVER PROVIDED A NUMBER. WE ARE AT A LOSS. 
We pulled our house off the market which may have been our only chance to secure housing for our family of XXXX. One of them being my daughter who is XXXX and XXXX XXXX. PLEASE HELP US.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX
Consumer complaint received 2021-03-23
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. (TN)

XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant Mercantile Agency (IL)

On XX/XX/XXXX, I made a complaint to the reporting credit bureaus that Grant Mercantile was not reporting that I had previously disputed this account. According to the FCRA 's policies, under this guise, Grant Mercantile should have deleted the account. Instead the organization updated my credit report with the complainant information. On XX/XX/XXXX I checked my account and noticed that a monthly payment was being reported by Grant, but I do not have a contract between Grant and myself. I am requesting that this account be deleted due to monthly inaccuracies being reported.
Consumer complaint received 2023-06-01
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. (DC)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (OH)

A friend found this rental on XXXX XXXX XXXX XXXX  and rented it. XXXXXXXX XXXX XXXX XXXX cancelled her reservation and refunded her money but never told her why. This company reached out and told her that the owner decided not to go with XXXX XXXX XXXX XXXX  but rather their business to rent their house. Upon talking to my friend the house sounded great and I as well was interested. We both went through the process to rent the house corresponding via email. We bowed the house in the website provided. A deposit of {$1900.00} was due to reserve then {$2300.00} was due XX/XX/23. XXXX accounts were provided to transfer the money and then we had to upload screen of the transfer for proof. My friend was trying to contact the renting company to pay her final part and was unable to reach them. She contacted the owner of the house and was told this company was scamming people and they were showing up to their house thinking they had rented it. My friend contacted XXXX XXXX XXXX XXXX  and was told at this time that was the reason they cancelled her reservations. They never disclosed that initially. We since have contacted our banks and also filed police reports locally but our banks have told us they can not redeem our money paid. This website still exists and the house is still listed through XXXX XXXX XXXX XXXX tho we did not book through them. PNC denied the fraud claim stating it was authorized and person to person didnt apply even tho we thought we were renting a house for vacation.
Consumer complaint received 2023-05-29
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. (KY)

My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXXXXXX XXXX  and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong credit report.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NC)

On XX/XX/2017, PNC Mortgage received a copy of the correspondence sent to me advising me that my annual homeowners insurance premium was due on or before XX/XX/2017. I DO NOT escrow anything other than the Flood Insurance. I escrow that because, according to the bank, it 's required by Federal Statute. The policy bill ( again, they were copied on the document and it showed that I was the responsible party for payment via direct bill ) was for {$2200.00} and the insurance department paid it even though I do n't escrow for it. They then increased our payment from {$1000.00} to {$1400.00} to cover the shortage. It ; 's been 35 days, today, of them promising to fix their mistake.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

Shellpoint keeps ignoring my request for mortgage assistance they continue to put on a covid forbearance plan and not helping me retain my home. I am asking for a loan modification review. I have submitted the loan modification packet over 3 times now and they continue to ignore my request. On XX/XX/XXXX was the first one sent and then on XX/XX/XXXX resent and today I have sent it again after they have wasted over 30 days of just leaving my documents without a review. My XXXX XXXX XXXX calls every 6 days but they continue to advise the same thing. There is no modification review and that they never got the documents.
Consumer complaint received 2023-01-26
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. (GA)

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$310.00}.
Consumer complaint received 2023-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2017-03-21
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

53 Bank and their agency XXXX, XXXX allegedly violated the EFTA and 15 U.S.C. 1693 because they have not responded to my complaint timely and did n't inform me initially of what the process was. The tech, XXXX, was laconic.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK (FL)

Subject : Formal Complaint Against Commerce Bank for Non-Response to XXXX XXXX XXXX Claim Hello, I am writing to file a formal complaint against Commerce Bank regarding their failure to respond to a claim initiated by XXXX XXXX XXXXXXXX on behalf of XXXX XXXX XXXX. 

We had initially filed a Consumer Financial Protection Bureau ( CFPB ) claim against XXXX XXXX XXXXXXXX due to a pending claim for months and no response whatsoever, outlining the circumstances surrounding our policy cancellation and refund request with XXXX XXXX XXXX ( XXXX XXXX  ). XXXX XXXX  XXXX let us know that Commerce Bank was not replying to them whatsoever when they were trying to retrieve our funds so we would like to file a claim against Commerce Bank now. On XX/XX/2023, XXXX XXXX  XXXX initiated a claim on our behalf regarding this matter. However, despite repeated attempts and reminders, Commerce Bank has not provided any response to XXXX XXXX XXXXXXXX XXXX inquiries regarding this claim. XXXX XXXXXXXX XXXX is telling us Commerce Bank has been ignoring them for 4 months. 

The delay in Commerce Bank 's response has resulted in significant financial strain on our business. Without their cooperation, XXXX XXXX XXXX has been unable to proceed with our claim against XXXX XXXX, leaving us without resolution for unauthorized charges totaling {$3900.00} over multiple months. 

We have provided all necessary documentation and cooperation to facilitate the resolution of this issue. However, without Commerce Bank 's response, we are unable to proceed with obtaining the refund we are rightfully owed. 

This situation has caused undue hardship for our business, and we urgently request your intervention to expedite the resolution of this matter. It is imperative that Commerce Bank responds promptly to XXXX XXXX XXXXXXXX XXXX inquiries to ensure accountability and facilitate the refund process. 

We appreciate your attention to this matter and kindly request your assistance in resolving this issue as soon as possible. 

The Claim Numbers are XXXX & XXXX Thank you for your prompt action and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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. (TN)

I am submitting this complaint because XXXX has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that 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. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2020-12-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (SC)

I was checking my credit report randomly and noticed that I had a collection account on my credit report from Flagship Credit Acceptance. I did further research to identify it and ended up sending them a letter stating that information is incorrect and does not belong to me and requested some type of documentation showing my signature or any type of additional documentation. I received a letter back from them with a contract and first thing I noticed was the name. The contract belongs to a XXXX XXXX XXXX that lived or lives in XXXX Texas, and shows a car a XXXX XXXX XXXX being purchased from XXXX XXXX on XX/XX/XXXX. I sent a letter back stating that contract does not belong to me, and went into details about that being someone else. I also included a copy of my social security card and my drivers license as supporting documentation on my behalf. Flagship sent back a letter claiming the debt was mines and sent me an itemized list with the same information as the previous contract that claimed was mines. Ive tried over the last two months to resolve this issue and have been unsuccessful. It is affect me my credit badly and affecting me from using my VA home loan to purchase a home and even get approved for many different things, since its a negative mark on my credit shows me owing XXXX to flagship. Ive exhausted all my means trying to show and explain the debt on my report is not mines. I have attached the contact they sent to me. Ive also attached the itemized bill and the letter I sent to them.
Consumer complaint received 2023-05-21
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. (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. 

XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : XXXX, XXXX, and XXXX  who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

Capital one is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.
Consumer complaint received 2020-12-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OK)

In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the XXXX. related to this item on my credit report. I have instructed Equifax to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

Equifax has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.
Consumer complaint received 2020-12-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.