davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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. (IL)

I've filed a complaint with the XXXX XXXX XXXX about erroneous information on my credit report. I'm not aware that the court is disclosing this information to a third party for any reason that isn't legal. I never given my permission. I'm requesting any documentation you have that this information was supplied to you.
Consumer complaint received 2022-12-13
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. (NY)

This was not sent in error, I am a consumer by law an my information was misused. Due to this I have inaccurate accounts on my credit report.
Consumer complaint received 2020-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

My PNC checking account ending in " XXXX '' was debited TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX for {$1900.00}. The first auto transfer of XXXX IS NOT SCHEDULED and was linked to a old business account ending in " XXXX ''. PNC allowed our non-profit to link to personal accounts. Under the old " XXXX '', there was a $ XXXX monthly transfer scheduled to come out XX/XX/XXXX. That account was terminated by me and PNC informed me that all banking would cease including scheduled transfers. So I scheduled the {$1900.00} under ONLY my personal account for {$1900.00} to be withdrawn on the XXXX of each month. PNC did not remove/cancel the old transfer as I was told so there were two transfers, one illegal.. I contacted PNC customer service and left the conversation highly underwhelmed with NO RESOLUTION. I need answers for this not to happen again.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NV)

On XX/XX/2023 @ XXXX a Zelle XXXX for {$60.00} from XXXX XXXX was sent to my XXXX XXXX XXXX XXXX XXXX account registered to XXXX. I received an email from XXXX stating that they were unable to deposit the money into my account, they returned the money back to XXXX XXXX 's account. Being as though the transaction failed, on XX/XX/2023 @ XXXX I sent a money request to XXXX XXXX XXXX account. She accepted the request, and the money was deposited into my account. On XX/XX/2023 I tried to login into my online banking app and could not access my account. 
It said that I had to contact them via phone to fix this issue. I received an email @ XXXX saying that my email registered to my Zelle account was deactivated and could not be used to send or receive money. I called XXXX and they informed me that Zelle flagged my account for suspicious activity and due to that my account is closed indefinitely. I appealed the decision and was denied.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

I am submitting a formally complaint because I was contacted by XXXX on XX/XX/XXXX via a recorded call line. Pertaining to a voice mail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. The phone call stated that they were attempting to collect a debt. I stated that the debt was false and sent a certified letter to dispute the debt. 

I sent an email on XX/XX/XXXX stating and got no reply. 

Hello, I am responding to your contact about a debt you are trying to collect. Attached is a letter in the format of a PDF and Word document. Please be advised that I have also sent this letter via certified mail. Please confirm your receipt of this email. 

Best, XXXX XXXX I sent two emails on XXXX and got no response. 


Hello, This is XXXX XXXX. I am following up regarding the letter I emailed and mailed on XX/XX/XXXX. Please confirm receipt of this email. 

I am also attaching the letter to this email for reference. 

Please note that this is the email that supervisor XXXX gave me on XX/XX/XXXX via a recorded call line. Pertaining to the voicemail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. 

Please respond accordingly or I will be contacting the Attorney Generals office and the CFPB. 

Best, XXXX XXXX XXXX, This is XXXX XXXX. Following up to provide proof of delivery for the letter I sent in response to the phone call I received on XX/XX/XXXX from XXXX XXXX at Hunter Warfield. 

Please follow up with me accordingly.
Consumer complaint received 2023-05-14
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: CREDIT ACCEPTANCE CORPORATION (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly States that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Reporting Act.
Consumer complaint received 2020-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.
Consumer complaint received 2019-02-14
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. (CA)

On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. 

On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XXXX ) and I have never lived out of state. 

On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts.
Consumer complaint received 2022-12-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc. (WI)

I have contacted GM financial several times. I was never notified that this vehicle was in debt. I was the co-signer on this truck. Not the original owner. I never was notified by mail or phone that the truck was repossessed and that there was a vest on this. Until I seen it on my credit report. This debt is over XXXX years old. Its almost XXXX years old. It is still showing on my credit report. I would like to have it removed. The truck was sold at auction.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase closed my checking account and refused to refund the funds in it to me. They asked me to validate a few checks, but the way it was done was logically impossible. chase required the person who wrote the checks to bring their id with me to a chase branch to validate them. But these checks were from the sale of my XXXX XXXX We only have a transactional relationship, they are not my friends or family, so why would they agree to go to the branch with me? And I can confirm that none of these checks were disputed by the person who wrote them, so what is wrong with these checks?
Consumer complaint received 2022-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

Purchased new build in XX/XX/XXXX Property taxes were overestimated as they were currently reflecting low tax amount for vacant land ( uploading Monsoon Sheet for your review - shows low tax amounts for XXXX as {$2.00} : XXXX as {$200.00} ; and XXXX with new home as {$1600.00} ) In XX/XX/XXXX, XXXX XXXX assessed the land and the taxes reflected the home ( not just vacant land ) I asked for an escrow analysis as I knew there was an overage in the escrow account The loan servicer agreed, noted the overage, issued the refund check However, the escrow analysis showed the property tax estimate for XXXX to be {$10000.00} the ACTUAL taxes are {$1600.00}. 
This would INCREASE my monthly payment by about {$400.00} which is incorrect I called customer service and the servicers tax department on XX/XX/XXXX. I spoke with both XXXX and XXXX. XXXX let me know they had access to the current actual tax bill and was not sure why the estimate was over 5 times the actual tax amount I was told that they would adjust that to the correct and accurate amount by my next billing on XX/XX/XXXX That correction was not made. 
I called again, XX/XX/XXXX and spoke with XXXX, XXXX and the escalation team ( XXXX ) The result was I was told that the issue would be resolved I asked for this to be done before the XXXX payment is due as the payment should be LESS than it was before the escrow analysis that showed an Overage. 
as of XX/XX/XXXX, this correction has yet to be made. 
I have attached the XXXX tax sheet that shows the last few years tax amounts so you can see they currently reflect the new home as well as the escrow analysis ( see page XXXX for the XXXX estimated taxes in the amount of {$10000.00} ) And the current property tax bill of {$1600.00} I have also included a copy of the current mortgage bill that shows my estimated payment for XXXX to be {$2400.00} as opposed ot the current amount of {$2000.00} The XXXX servicing departments, on both calls, confirmed that they already had the current tax bill in hand and did not need me to send a copy. 
I expect that this gets resolved ASAP as they can not charge XXXX times the actual tax amount.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Requesting that all 3 CBs suppress reporting of XXXX XXXX tradeline. 

Factual evidence that XXXX violated MLA and EFTA AND continues to violate FCRA exist.

This is most notably in CFPB consent order whereas XXXX paid millions as a sanction for said violations. 

Allowing any creditor to report a debt which in itself is invalid, is a violation of consumer FCRA
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please block the noteworthy items that are opened without my consent Please block these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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. (CA)

I tried to get a home loan XX/XX/2022. I was told by my mortgage lender that I had a defaulted loan with XXXX XXXX  that was having a very big negative impact to my credit score causing me to get denied. 



After months of going back and forth with XXXX XXXX, I was able to get them to send me a copy of the application which clearly shows me that this is not my account as none of the data including my name, phone, email address or physical address is valid for me. I assume the SS and DOB arent either, but I wasnt provided this information. 



I have 2 possible theories..

1- I am a victim of fraud. This doesnt seem likely as none of the data matches my true data. See highlighted data below.

2- Trans Union and XXXX are incorrectly matching this charged off account to my credit bureau report, in error. Please note : XXXX is not.
Consumer complaint received 2022-12-26
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. (NC)

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 2024-02-23
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. (GA)

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to EXPERIAN to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/year> FTC Report NumberXXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EXPERIAN conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EXPERIAN will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-07-21
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to DO THEIR JOB PROPERLY and eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

From the onset of my experience with Comenity Bank  My BJ'sPerks @ World Mastercard , this bank and credit card company has routinely taken 21-28 days to recieve in the mail credit card payments and then process and post said payments thereafter.I routinely charge several thousand dollars to this credit card every month and always pay the balance off in full immediately upon receipt of the monthly statement.Due to the intentional dilatory processing and posting practices of Comenity each and every month since they've been administering to this account, I learned to get my monthly statemnt on line to then mail out my full payment thereon the very next day.This prophylactic practice notwithstanding, Comenity Bank consistently and still to this day, takes almost four, ( 4 ), weeks to allegedly receive, process and post payments on my account.The XXXX XXXX  Mail is so efficient that common law ascribes a mailing to receipt time period of a few days at best.There can be no doubt that Comenity Bank is engaging in unlawfula dndiscriminatory banking and credit card processing practices to bait unsuspecting consumers into being assessed and paying unlawfully charges late and penalty fees to Comenity for it's own malfeasance and intentional credit card payment processing practices.I recently instituted a bank to bank transfer as a test to Comenity and despite it's remitted protocol on their web site for doing so, yesterday 's transfer true to form has not been allegedly received and/or processed to date.I have several emails that I have made to and confirmed receipt by Comenity Bank concerning this continuous incidious banking/credit card processing misconduct but to no avail.This ractice can not be tolerated or controled and adequarte penalties as a future deterrent must be imposed.Very Truly yours, XXXX XXXX XXXX.
Consumer complaint received 2023-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

The servicer denied the assistance application which includes a XXXX XXXX XXXX Grant towards arears, keeps tacking on thousands more in bogus fees to prevent me from keeping the home. They didn't even look at the assistance package with the grant money.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (FL)

I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, Inc. is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.
Consumer complaint received 2020-01-08
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. (TX)

The following accounts are fraudulent : XXXX  XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-01-08
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)

The following accounts are fraudulent : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-01-07
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: Experian Information Solutions Inc. (FL)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.