davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-25
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. (SC)

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. 

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 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 an 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 or 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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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 2022-03-14
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)

In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account 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 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
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On my credit reports with XXXX and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX put false information on my credit report. According to XXXX, I took a loan out with their company on XX/XX/XXXX under XXXX. Under Equifax, it notes I took a loan out with XXXX on XX/XX/XXXX which is erroneous. 

I took out a loan for a VA Home Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX I never took out an original loan with XXXX on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.
Consumer complaint received 2022-12-25
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. (SC)

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. 

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 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (OR)

I had just closed on a mortgage for my primary residence with Union Bank at the end of XXXX / beginning of XXXX and started working with them for a refinance transaction for an investment property on XX/XX/XXXX. I was quoted by XXXX XXXX over email that closing costs would be roughly 4k  on on $ XXXX 75 % = {$150000.00}, PI {$760.00} 3.875 % 1.250 pts. 
I asked XXXX and his assistant XXXX to proceed with the transaction. 
XXXX responded on XX/XX/XXXX with this : " Ok, I will forward a online app invite to you, the same you filled out for your purchase. Its easy. '' I filled out the application and proceeded to provide all required documents to XXXX and XXXX. 


On XX/XX/XXXX I received a loan estimate that showed the closing cost of {$7300.00} instead of ~ {$4000.00} that was quoted to me. This is all documented in email. XXXX said that was a misquote and he will work with management to get a rate exception While the issue with the rate was going on, I was told that the appraisal has been ordered ... and I was contacted by the appraiser who completed the appraisal in XXXX. 
As I was getting worried that the transaction is not proceeding as per normal i kept asking XXXX about progress and was always reassured that its proceeding per usual and that refinances are just taking a long time at the bank right now. 
But in the middle of XXXX i was told by XXXX that my application was cancelled since I did not pay the application fees. NO ONE EVER ASKED ME FOR AN APPLICATION FEES. 
At this point, XXXX said we need to re-start the process. XXXX called and collected {$550.00} application fees and my loan was submitted for underwriting around XX/XX/XXXX and a new appraisal was ordered. 
After getting the run around from underwriting for a month and still no progress till XXXX, i decided to go with XXXX  XXXX  for this transaction. 
I am asking for action to be taken against Union Bank and for my {$550.00} application fees to be refunded in full
Consumer complaint received 2022-09-30
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. (GA)

I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

I have a home loan through Lakeview loan servicing llc and  make monthly payments on this mortgage of a little over {$1000.00} each month. Over {$300.00} are taken out each month for an escrow account ( property taxes and insurance ). The property taxes on this property were due before XX/XX/XXXX. Lakeview has failed to pay them. I have contacted Lakeview loan servicing llc 9 times since XX/XX/XXXX and spent countless hours on hold to get the run around and absolutely no where with them. Here we are 2 delinquent notices later ( XX/XX/XXXX ) and they have not paid property taxes out of escrow. They have told me multiple times on the phone that they would get them paid in 3 business days but they have failed to do so. In XXXX I faxed them the first delinquent notice with a letter and cover letter after they had requested me to do so. They still failed to pay it once they recieved it. They are taking my money each month and are failing to do their job and pay my property taxes in a timely manner. Attached are the documents I faxed them. 

Thanks, XXXX XXXX
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Medical Company is trying to collect a debt that is not mine and it is still on my XXXX  credit report showing as closed but it is NOT MINE. 
I.C.System INC Acct # XXXX XXXX  XXXX XXXX {$600.00} Can you please have the credit bureau removed?
Consumer complaint received 2022-09-30
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: PNC Bank N.A. (GA)

I have XXXX late payments reporting on my credit report due to PNCs error. The first late payment was on XX/XX/XXXX it was during the pandemic and I was told by a representative that I would be approved for a skipped payment. I elected for this option because I was laid off. The representative assured me that I would be approved and this call was recorded. Two weeks later, I saw that I WAS NOT approved and that the payment reported late for that month ( XX/XX/XXXX ). 
The second occurrence was XX/XX/XXXX. I made a payment and PNC confirmed there was a glitch in the system and it did not properly record my payment even though I had proof. I reached out to a XXXX XXXX in the executive relations dept. After emailing him 3 times, he finally responded. He assured me that the error would be fixed and that he would follow up. He never did. So I called back and escalated my complaint further. I spoke to a man named XXXX. He reviewed my complaint and stated that he would remove the late payment. The payment is STILL on my account and my mothers credit report XXXX XXXX ( who was my co signer ). I have proof that I spoke to these people and they promised to remove the late payments, but NEVER did.
Consumer complaint received 2020-03-04
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-04
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

Comenity Bank XXXX Bread XXXX I have multiple store cards through this bank and I am unable to access any of them through the online portal. I cant see my statements ( I receive electronic statements only and I cant get in to change it back to paper ), I cant check for fraudulent charges, I cant pay my bills, I cant update my address, etc. I have at least 6 accounts managed by Comenity and I cant access any of them. This has been an ongoing sporadic issue since the migration from Comenity to Bread in XXXX of 2022. This is incredibly frustrating. Additionally, this bank has closed 3 store cards this year, for inactivity, with NO warning to me first ; this negatively impacted my credit. I need answers as to when I will be able to access my accounts again through the online portals. I even tried using the XXXX feature, which doesnt require you to login, and I still got an error. They make it impossible to pay them so they can charge late fees and more interest.
Consumer complaint received 2020-03-04
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} AFFIRM XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00}
Consumer complaint received 2020-08-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NJ)

Due to covid I am not working and have XXXX income. They put the loan into forbearance for three months however the first time did so after I paid one month, refunded me, said my account was past due after it was refunded and made me pay and refused to credit me the month so in essence they gave me two months forbearance. I havent received unemployment although Ive been trying for over 4 months now. I have begged them in multiple emails and explained my situation since XXXX and now they said theres no forbearance left and if Im late they will immediately report to my credit so I use much needed funds to pay. Please help. In this time with no income and being unable to work due to being immunocompromised I am shocked that a company is this heartless. Regular loans forbear at XXXX  %. I do t even care about interest I just need a few months to catch up.
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (GA)

Attempted to make my payment online ( like I always do ), but the system kept showing that my username and password were incorrect. I attempted four times and I was unsuccessful. As such, I called customer service and they placed me on hold for over XXXX minutes. I called again and waited until I had to hang up. I couldn't send an online message because I couldn't log in. Bear in mind that I didn't have to type my username and password, they are autofilled on my computer. So there was no chance of me entering the incorrect credentials. Additionally, I was able to login with the same information this morning, and I noticed that my minimum payment went from {$36.00} to {$100.00}. I was also charged {$30.00} late fee, and I'm sure that they have also hiked the interest rate because I was unable to login. I have never been late with a single payment. 

Prior to all of this, I was unwell and was on XXXX income through my employer. My husband has also lost him income because of a medical condition. We have to pay bills out of our savings. As such, I requested a hardship payment plan and it was denied. 

My card was previously serviced by a different bank, and I never had a problem until Barclays took over. First, they received my payment, and sent me late payment notice last month. Then my interest rate was set at the maximum rate even though I have good credit, and I have never made a late payment. 

This is absolutely ridiculous! Instead of helping someone who has always been a good customer you're trying to create more problems.
Consumer complaint received 2022-12-25
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 have attempted to contact this credit bureau on multiple occasions, unfortunately I have not received a response in regards to this matter. The following accounts do not pertain to my personal information nor my personal credit. This is a call for removal of the following accounts, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NC)

Om XX/XX/XXXX, I went to my local bank branch, PNC at XXXX XXXX XXXX, XXXX, NC XXXX. I needed documents from an account I recently closed in XX/XX/2019. The account number ends in XXXX. 

I asked for documents and records from this account. I was told that the Manager of the branch stated that I could not access any documents or information from this account because the account was closed in XX/XX/2019. I also asked for an authorization form so that I could give a 3rd party access to this account and permission to speak with bank representatives on my behalf. I was told there was no way I could give PNC permission to release information to a 3rd party and that a 3rd party would have to subpoena such information.

My son who has my Power of Attorney also asked for the information about this account and he was also refused. He was told that the Power of Attorney needed to be reviewed by the legal department even though it was recorded at the register of deeds office on XX/XX/2019. 

I do not understand why I can not get access to my own account, even though it was closed a few months ago. I do not understand why I can not give permission to a 3rd party to access account information. I do have another active account at PNC.
Consumer complaint received 2020-03-04
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. (PA)

I have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.