davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (MD)

To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY TRANSUNION CREDIT REPORT!, XXXX HAS ALREADY REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXXXXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

I'm trying to use XXXX point of sale and would like to link them to my account for my checking account statement and it said for some reason that you all do not allow that so it would be awesome if you all could allow it to save a lot of time and effort.
Consumer complaint received 2022-10-05
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. (MO)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

I am unaware of when this loan was taken out. I was contacted by XXXX about an outstanding balance from The Cash Store. I ipted to make payment arrangements rather than fight the balance. I subsequently was diagnosed with XXXX and had emergency XXXX to remove my XXXX and XXXX. I have been receiving XXXX and have been unable to work during treatment. I was able to make my payments until I ran out of money XXXX weeks ago. I have received threatening phone calls from XXXX XXXX at XXXX ext XXXX. She told me I needed to pay my bills if I had XXXX or bit and that she would send this to local law enforcement. I told her to send me any and all correspondence via mail. She has then proceeded to reach out to others via XXXX profiles and harasss them saying she needs to find me. Yet I have given her my address and phone number.
Consumer complaint received 2022-10-05
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. (FL)

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 2020-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (AL)

On XX/XX/XXXX I paid my loan off for opportunity financial opp loans for credit deletion. I explained in great detail I was needing this information updated to my credit file because i getting ready to close on a home. I was told the information would be updated on the XX/XX/XXXX electronically. I have spoken with the credit reporting agencies and it shows XX/XX/XXXX last update. I called and emailed opp loans back and the are refusing to update my account with the deletion.
Consumer complaint received 2020-01-03
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. (TX)

I have been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent balance.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

My mortgage company, First National Bank ( FNB ), reported with XXXX  and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX  and XXXX  disputing that error, but FNB sent them ( XXXX  & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, FNB reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. FNB received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that FNB received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my FNB online account activity, which shows that FNB acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but FNB has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NM)

On XX/XX/2021 Shellpoint mortgage servicing in correctly applied my regular mortgage payment for XXXX as a Principal only payment. They also correctly applied an Escrow only payment, also dated XX/XX/2021 that I had mailed to them 3 months prior. As my payment was as over payment of my normally owed {$1800.00} to which I had paid {$2100.00} they also correctly applied a principal only payment of {$240.00}. Due to this mistake on my XX/XX/2021 statement they charged me a {$79.00} late fee and showed my account as behind, stating that I had not made an XX/XX/2021 payment. I spoke with a customer service representative who claimed that she corrected the improper Principal only payment and changed it to a 'regular payment '. Upon receiving my XX/XX/2021 statement under the transaction activity They not only corrected my 'principal only ' payment to a 'regular payment ' but they also reversed my principal only payment of {$240.00} and they reversed my 'escrow only ' payment of {$120.00}. Since they didn't include a check with this statement for those XXXX reversals I suspect that they just decided to keep this money and not apply it to my account. I have been working with them via customer service, CFPB complaint and XXXX complaint to resolve these incorrect application of payment to my account for almost 2 months now and it is only getting worse. All they do is tell you that they have corrected things to close the complaint only to provide written proof that they have made things worse.
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (RI)

Fedloan Servicing 's website is what could only be considered intentionally confusing, I dont know how someone could design a website this poorly. All I want to do is determine what loan repayment plan I am on so that I can plan my repayment. I have been logged in to my account with them for over an hour clicking around trying to find a page with the above information. This should be the first thing that appears under account summary.
Consumer complaint received 2020-01-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC (AZ)

I am disputing this debt because it is a billing error and I do not owe it. This debt is regarding XXXX XXXX  done at XXXX that was billed incorrectly to my insurance with the wrong diagnosis codes. I have explained this issue to the provider at XXXX XXXX, XXXX in person, via phone, via fax, via email and no one seems to care to abide by best practices and update this error. The billing was to be updated as XXXX XXXX for XXXX/XXXX for a XXXX XXXX XXXX  and the start of XXXX XXXX for the start of XXXX school. This is disheartening as I have always had full coverage medical insurance and also as a XXXX XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, this debt has been disputed through all avenues and has yet to be rectified. Because this debt is disputed, Radius Solutions should not report it to the credit reporting agencies. But they have, again I am requesting the removal of this error and to update and contact the credit reporting agencies. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theftXXXX Account Number : Account XXXX {$90.00} past due as of XX/XX/2019. 

XXXX Account Number : XXXX {$170.00} past due as of XX/XX/2019. 


Chapter XXXX bankruptcy dismissed Reference Number XXXX Chapter XXXX bankruptcy dismissed Reference Number XXXX
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I received a bill from Commenity Bank XXXX for a renewal membership from XXXX XXXX XXXX. On approximately XX/XX/2021 I called Commenity Bank to cancel their credit card, which they did on XX/XX/2021. I was informed immediately by Commenity that they would not call XXXX 's because " we just don't do that '' and that it was my problem. I then called XXXX 's and spoke to someone who said my membership fee will be refunded on my credit card. 

On XX/XX/2021 I called Commenity Bank and spoke to XXXX ID # XXXX. She said nothing is posted from XXXX 's and I need to contact XXXX 's. Whereupon I called XXXX 's and spoke to XXXX, Ticket # XXXX. She said they would escalate it and call me back. I never received a call back or email from XXXX 's. 

I called XXXX 's again Ticket # XXXX. The representative reiterates escalation to a credit department and a call back or email in XXXX hours. No one ever calls back. 

On XX/XX/2021 I called XXXX 's and spoke to XXXX, XXXX # XXXX. He said he would escalate this matter to the credit department and someone would call back in XXXX hours. No one contacted me. 

On XX/XX/2021 I called XXXX 's again and spoke to XXXX XXXX. She used my original Ticket # XXXX and said yet again she would escalate this matter and then call back or email in XXXX hours. No one called or emailed back. 

I did not send a letter to Commenity to preserve my rights in this matter. It is now past 60 days. Commenity will not call XXXX 's and XXXX 's will not issue a refund. They keep stringing me along and Commenity just continues to tack on fees.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XX/XX/XXXX I submitted a refinancing application with the same lender of my mortgage - Citizen One of Citizens bank NA. 
I was offered very good terms on a disclosure agreement and I signed it and paid over {$500.00} appraisal fee. Closing date was set to XX/XX/XXXX, and they couldn't close due to conditions restrictions. I wasn't ' told what conditions were. 
I couple of days ago I was told that I was clear to close and closing date would be XX/XX/XXXX. The mortgage loan officer XXXX XXXX called and apologized saying she got my figures wrong and she explained my interest would be 0.5 % higher. I said that I need to see this in writing. Today, I was scheduled to close at XXXX XXXX  and I still didn't have any final disclosure on the fees and interest. I called her and requested the document and she send me one that not only had 0.5 % higher from what was initially offered, and rate was locked in an agreement, but also she added almost {$2000.00} in points that I didn't agree to. 
She practically unilaterally broke a signed agreement I had earlier not only with a locked rate but also with amount of points. It is unbelievable that she intended to not to provide me with a disclosure statement before the signing! 
I would like that Citizen One Home loans honor that agreement they had with me and the rate they told me was locked. 
I would provide you with all the documentation evidencing all this.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (CA)

The bank let someone else 's tax refund go into my account I called the bank and told them it didn't belong in my account the bank rep said well if the IRS put it there then it belongs there. So I am thinking well maybe it was owed to me. I get SSI and I am not allowed to have over {$2000.00} in my account at any given time so I withdrew the {$XXXX} after waiting almost five days after I informed them, still they did not take it out so I did and it got stolen from me I tried to make a police report but they almost laughed at me because I told them XXXX  dollars was stolen from me by a guy who gave me a ride to the bank and all i knew was his first name and what kind of vehicle he drove which had paper dealer plate on the back nothing on the front so the police said you want to file a report on money that was not yours that was stolen from you from a guy with the first name and a vague description of his vehicle,? And I said yes they looked at me like I was insane and kinda laughed under their breath. This was in XXXX of 2019 of which i had spoke to an officer who said I might be charged with fraud because I took the money out of my account I told him the IRS put it in my account and the bank did not try to return it. XX/XX/XXXX the bank put a hold on every dime I had saying the IRS put the hold on it they did not because I called them. So they took over {$300.00} of my money and told me they were closing my account on XX/XX/XXXX which means they also plan on taking my XXXX and XXXX income!!! My phone is going to be shut off my rent is due I wont be able to pay my car insurance or storage lot fee where my fifth wheel trailer is being stored and they told me to call the police officer whom I spoke with already in XXXX Who has not called yet.
Consumer complaint received 2022-12-27
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. (MI)

I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. XXXX XXXX XXXX ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-03
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 recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Also, see the image above for CITICARDS CBNA ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Dispute Status ( XXXX ) demonstrating N. I am reaching out to you because the content of this account does not meet XXXX XXXX XXXX requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately! 
When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
Viewing Credit Limit ( XXXX ) demonstrating XXXX. The content of this account does not meet XXXX XXXX requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with XXXX XXXX requirements or else I will have my ability to finance questioned. This account needs fixing immediately! 

attach you will see document
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, 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. (NY)

Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Consumer complaint received 2020-01-03
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. (NJ)

I honestly do not know who used my information to obtain a mortgage..all I know is when I applied for XXXX Charge was asked if I took out a mortgage in XX/XX/2019..Which I never did..
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (TN)

G.C. Services Limited Partnership XX/XX/XXXX : $ XXXX Actions taken by me : Debt Consolidation Company XX/XX/XXXX The company sent a letter and contacted me via telephone. 
I've already informed the company that I am not working, and to stop calling. The debt consolidation company is the best route for me at this time, to pay them. There is no need to harass me, or to contact any of my family and friends, against my will.