davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MORTGAGE AMERICA, INC (PA)

On XX/XX/, I received an alert through my personal email account that my someone was requesting access to my credit report. I found out that Mortgage America, Inc. had made an unauthorized request for my credit report. I am not applying for any type of mortgage. XXXX XXXX, Compliance/Sales Support with XXXX ( who is affiliated with Mortgage America. Inc. ) stated that that my credit was mistakenly pulled from an old application on file from one year ago. XXXX XXXX stated that the company is working with Mortgage America Inc. to reach out to the three credit bureaus to have the hard inquiries on my credit changed to soft inquiries so they my credit score will not be impacted. I want to bring this matter to the attention of CFPB because my social security number was used to make an unlawful credit inquiry. I also want to help others in similar situations who can learn from my experience. This was a serious breach of confidential information made by Mortgage America , Inc. and the public needs to be aware of their poor business practices even if it was not intentional.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX, someone applied for two Bank of America credit cards using my information. I received a credit notification from XXXX ( my current credit card provider ) as a part of their included credit monitoring program. I was able to take a look at the details last evening XX/XX/XXXX and it was a hard inquiry vs. soft which concerned me. I have not applied for any new credit in some time. As I currently have no business with BOA my concern led to a call to XXXX this XXXX  The rep at XXXX informed me the inquiry was valid and advised me to 1. call BOA to report the issue ( which I did ) 2. report to the XXXX site which forwarded me to you based on how I answered their online questions, and 3. to create a police report which I plan to do next. They also placed a fraud alert on my record and told me that alert would also notify XXXX and XXXX. I did obtain the application numbers from BOA and they will investigate and may/may not provide me resolution per their rep. I did request they remove the hard inquiry from my account as each can affect credit score. If there is further information I should share or actions I should take, please let me know.
Consumer complaint received 2023-03-01
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to correct the following items that were hurting my credit. 
XXXX 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 2020-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I, XXXX XXXX, represent several Hotels ( under separate LLCs ) and have used Heartland Payment systems as our Merchant Processor for years for most of our properties. Due to Pandemic, one of our Hotels XXXX XXXX XXXX XXXX in XXXX Nebraska had to close. As a result, there were several chargebacks that Heartland had to process. Our financial institution placed a Hold on our accounts resulting in credits due to Heartland Payment Systems. Heartland has since frozen all of our Deposits ( in excess of {$35000.00} ) for all of other Hotels and is demanding payments in excess of what is currently owed to them. All of the Other hotels are under separate LLCs and have different investor bases. While, we are not denying the monies owed by XXXX XXXX to Heartland- they should have no right to withhold our funds without our permission well in excess of {$35000.00}. Being a Publicly traded company, We don't know how this is deemed as being legal. I am requesting you to contact me at XXXX to resolve this matter, ASAP.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-03-02
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. (CA)

I sent a certified letter to Experian asking them to explain their verification methods. I never received anything from Experian but I have proof that my letter was received.
Consumer complaint received 2020-11-12
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: Specialized Loan Servicing Holdings LLC (OH)

XXXX XXXX XXXX is the servicer on my Fannie Mae loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but SLS started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid SLS on time every time required but my credit is now ruined and SLS refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.
Consumer complaint received 2019-02-06
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: AMERICAN EXPRESS COMPANY (TX)

XXXX is stating I have an American Express Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that American Express does not report incorrect information on a person 's credit report needs to be ensured going forward.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV has refused to respond to my request for verification and validation of this alleged debt. I have sent numerous letters and no response. I am demanding a response as well as cease all collection attempts and immediately remove this alleged account from my consumer reports. I am a federally protected consumer and LVNV is in direct violation of my rights. PLEASE SEE ENCLOSED NOTICE OF DISPUTE
Consumer complaint received 2023-03-28
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (IL)

I am filing a complaint on Plant Home Lending of XXXX, CT. 

My complaint is regarding deceptive and unethical business practices in reporting past due payments to the credit bureaus. 

It all started when they assumed my loan in XX/XX/2021 and I was notified in XXXX of this change. In the first written documentation, I was informed that I could set up automatic payments. I elected to take this option, as noted, and sent back the required documentation for ACH setup via fax and US mail. I received a confirmation letter stating that my ACH setup was correctly in XXXX for XXXX payments. 

After receiving a letter that my payment was late, in XXXX, I called, again and immediately paid and re-setup another ACH system setup via their OLD portal for XXXX and future payments. 

The following month I received another letter, mid-month stating my payment was late. I AGAIN called and made the payment immediately for XXXX and XXXX and again set up another ACH auto payment in the NEW portal as instructed by the customer service agent. The agent told me that the OLD portal wasnt working correctly. 

It appears that my effort in establishing and following a new customer onboarding process wasnt successful. This organization reported me to the credit bureaus as a late payment because the on-boarding materials and documentation were running two to three weeks late and or did not arrive. 

If you review the files and sequence of events, I tried my best to work within the Planet Home Leading system to establish an ACH auto payment following the process that was given to me. With your letter arriving weeks after the dated letters, I would not have known of any issues. 

I am requesting assistance in removing the credit bureaus ' report and or noting to the credit bureaus that the sequence of events was an error on Planet Home Lending. Planet Home Lending claims they reported correctly, but they failed to state that the error was on their behalf.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a new personal checking account online with Truist Bank on XX/XX/. My next payday was XX/XX/ & my boss doesn't do direct deposit, so we all get payroll checks. Mine was {$1400.00} & I did a mobile deposit on it since it was offered. A separate box popped up notifying me that my funds would not be available for 1-2 business days, but then I received an email saying a hold was placed until the following Wed XX/XX/XXXX XXXX XXXX I received a letter in the mail from the bank stating that Truist found it necessary to block my acct due to suspicious and/or unusual activity. They blocked me from it without notifying me beforehand & I was unable to withdraw funds prior. I've called multiple times & have been given the runaround. I made calls on XX/XX/24, XX/XX/24, and XX/XX/24 & on this day I was told the acct was set to reopen/unblock on the XXXX. I called on XX/XX/24 & was told my payroll has cleared, but the account was still blocked & under review & again no one was willing or able to explain the hold/block nor tell me when it would get unblocked. I was told to call back on XX/XX/24 for another update, I did this morning at XXXX XXXX & was yet again told the same thing. I even asked to speak to an analyst about my case & she informed me that she couldn't give me a release date & to call back in another SEVEN business days or to try on Monday XX/XX/24. I have XXXX kids at home and one of them is an XXXX & I do not have access to my money from my payroll check from the XXXX XXXX XXXX  I need to buy groceries, pay my electric & water bill & get gas to get myself to work & school and no one can help me. I've already called Truist Bank Customer Service, again, to file a complaint & am now filing one here. My next stop will be to my local news stations. I have XXXX funds on me as I'm typing this. I need access to my account asap. I've only had a few transactions with this account & those were to pay previous bills. They sent me a debit card and I'm not even sure why since they blocked the account from me accessing it. I can't even walk into the local branch to withdraw funds due to the block. PLEASE HELP.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

On XX/XX/2023 and account was opened online in my name at Frost bank. I received a call on XX/XX/2023 from XXXX XXXX who works a Frost Bank notifying me that an account was opened in my name. I let her know that I did not open the account and I have never opened an account at Frost Bank. She immediately closed the account and reported it as fraud.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hello back on XX/XX/23 a letter was sent to transunion disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute
Consumer complaint received 2023-02-15
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} 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. Code 1681s2 - 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1. XXXX XXXX XXXX opened XXXX XXXX. XXXX  without my permission. I realized this fraud opened an account in XX/XX/XXXXXXXX  with a notice from three credit bureaus about delinquent status. 

2. I also got the mail from the XXXX  that there was a data breach and my information belonged to this data breach accident. 

3. I sent all of the evidence to three credit bureaus and a XXXX XXXX  company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But XXXX still remains on my credit files. 
The three credit bureaus noticed today that the XXXX card was not accepted delete this fraud account with charge-off status. 

4. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX  in XXXX. I lived in XXXX, XXXX. I moved to XXXX  in XXXX
Consumer complaint received 2023-03-01
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. (FL)

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, 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 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-03-01
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. (TX)

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-20
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Difficulty filing a dispute online with XXXX XXXX they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed
Consumer complaint received 2023-03-01
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. (TX)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, correction, or removal of the following erroneous information on my credit report. I'm looking forward that these will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX