davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2023-04-12
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. (IL)

I have been trying to get A mortgage from company for years nothing happened except my credit score went down every time I was turned down for mortgages I was also informed that XXXX XXXX is not A Lender XXXX XXXX is A insurance company this month I got A call from XXXX XXXX XXXX asking about my credit score going up then he ask to check mt credit in which I believed him but I later found out that whike paying off my debts i am back where I started and XXXX  XXXX lowered my credit on purpose I want no more communication from this company or phone calls I have blocked XXXX XXXX from my phone and unsubscribed from all future emai
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Commenity bank - XXXX rewards card This company calls MULTIPLE times a day and if you block one number, they call from a different one. It is XXXX and I am already up to 6 calls from multiple different numbers all from them. This is absolutely ridiculous.
Consumer complaint received 2017-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (VT)

AES ( American Education Services ) with it Guaruanteeor PHEAA, has twice now incorrectly calculated my IBR ( Income Based Repayment plan ). I have notified them both times, and they have refused to correct the issue, leading to me being reported to the credit bureaus. 

I need this issue solved. They are causing my family and I a great amount of XXXX. We were going to try and buy a replacement car with credit, but were denied due to their reporting me to the credit authorities.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My mortgage administrator, Loancare XXXX XXXX XXXX, XXXX  XXXX, VA XXXX appears to be operating on online process whereby they are limiting principal repayments to 20 % of the principal. I attempted to make a larger principal payment ( approx 50 % of a XXXX mortgage ) on Friday XX/XX/2021 and was prevented from completing the request online. 
I subsequently called Loancare ( XXXX XXXX on Monday, XX/XX/2021 and was put into a wait queue. I ended up leaving my phone number for callback but the call was not returned. Later that day I made two attempts to contact Loancare through their online systems, first by using their contact form, then by using their document request system. There has not been a reply via these messages so I called again today XX/XX/XXXX and spoke to a representative. The representative said they could not take a principal payment greater than 20 %. 
I explained that I was aware that my mortgage does not have a prepayment penalty and in my opinion by denying a principal payment greater than 20 % Loancare was effectively generating interest revenue on the principal that should have been paid off if they were not restricting payments. 
The representative put me on hold while she contacted their supervisor and came back to inform me that her supervisor could not take the payment as a whole, but would call me back and may be able to split the payment into two parts. I'm assuming this will go ahead, but overall I think that this company is operating a practice that tends to hinder principal payments and results in unfair revenue gain for them.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WA)

On XX/XX/XXXX I received a call from Ally that a {$500.00} XXXX transfer I had received on XX/XX/XXXX had been flagged for fraud by the person who sent it. My father sent this payment to me and I was easily able to confirm that he did not flag it for fraud. Either Ally, the XXXX XXXX, or XXXX flagged the transaction for fraud for some reason and we were not notified. Ally locked my account and froze my funds ( over {$10000.00} ). They said that the matter was under investigation and could take up to 90 days to get resolved. I need access to my funds to pay expenses and bills.
Consumer complaint received 2024-03-21
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. (MS)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX  days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX  more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-03-21
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. (TN)

I noticed my scores were dropping and decided to look at my scores. I realized someone had opened several accounts in my name and they all, well, most of them had gone into collection. I reached out to the FTC and followed the recommended steps.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
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: EQUIFAX, 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 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (LA)

Per the Fare Dept Collection Act the lender must provide notice of past due before posting to your credit report. The loan was shown 30 days late for XXXX of XXXX Per XXXX at TD Finance the only letter I was sent was on XX/XX/2023 letting me know the account was going to be 60 days late which I received. I even had XXXX XXXX XXXX  pull my phone records to prove I was not contacted. XXXX told me they didnt have to notify me, and even gave me a wrong email address. Per the law I can record a conversation I am part of. I was handling another complaint I filed that they posted the payment 3 times to the wrong checking account. She refused to acknowledge what I told her, and when she found out I was recording the conversation for legal use she hung up on me.
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has run my credit 2 times now, both being hard inquiries. Each time has been without my knowledge or permission. I am NOT an account holder/ customer of theirs and have not given them any of my personal information. The first time was last year, on XX/XX/XXXX. After fighting with them for almost 2 months, I was able to get them to remove it. This last time was on XX/XX/XXXX. I have had nothing but trouble with Wells Fargo since then. I was told they had a deadline of the XXXX to resolve it and get back to me, and I never heard back from them. I reached back out to have them tell me that there is nothing they can do for me.
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: EQUIFAX, INC. (NC)

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 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Hello. JCPENNEY company has been charging me a Card Security Fee since XXXX without my consent ( see attachments ). When I became aware of this fraudulent hidden charge, I called them to make a claim. They told me that this fee started automatically due to an error in the computerized system at the time the account was opened. I have asked them to send me the statements of the accounts that cover the entire time that the fraud lasted and they have refused to do so. In total they have charged me more than XXXX dollars in a deceptive way, but they have only refunded me the equivalent of a year of the charges ( see attachments ). 
At present, the accounts are closed and fully paid, but they still do not send me the account statements or return the money unfairly confiscated. To top it off, during the pandemic they apparently granted me a request for deferral of payments for both of my accounts with them over the phone. However, they applied the relief to only XXXX of these accounts without letting me know, and then refused to fix the error. As a result, my good credit history was affected. 
Clarification : The cards are under my name at birth : XXXX XXXX XXXX.
Consumer complaint received 2023-05-16
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: Loan Fox Inc (LA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Loan Fox INC. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Loan Fox INC for review or collection.
Consumer complaint received 2024-08-26
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. (FL)

T

his CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX Accounts : 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 Inaccurate employment : XXXX XXXX XXXX XXXX These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-26
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-26
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)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$23000.00} XX/XX/XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$19000.00} XX/XX/XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance XXXX {$23000.00} XX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$19000.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$11000.00} CAF XXXX XXXX XXXX {$23000.00} FIRST INV SC XXXX Balance : {$26000.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: P&B Capital Group, LLC (FL)

As of XX/XX/2023, P & B Capital Group LLC, has been reporting inaccurately and violating my consumer rights. First, I do not have a signed contract with P & B Capital Group LLC. My consumer rights were violated which states per 15 USC 6802 ( b ) ( 1 ) ( B ) that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. No consent was provided by this company. P & B Capital Group LLC also violated consumer law 15 USC 1681b ( a ) ( 2 ) Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. Again, no consent was given to this company.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-03-08
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. (LA)

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 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

XXXX of my XXXX XXXX, XXXX technician contractors opened and used numerous accounts without my authorization. I notified TD Bank. I was told to provide information that i don '' t have and I was also told because it is over XXXX  days that I am responsible. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!