davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (OH)

On XXXX of last year I noticed 2 fraudulent charges in my account. One for {$270.00} and another for {$250.00}. The moment I realized I contacted PNC immediately and notified them. I just joined this bank and already I was experiencing fraud, topped with their terrible customer service experiences I decided to close out all of my accounts with them. Of course the closing of my accounts took forever with their employees refusing for over an hour and a half to let me speak with the necessary parties to do so. When I finally got someone they stated they had to wait until XXXX to close out the one remaining checking account that holds the dispute for the two fraudulent transactions mentioned earlier. I said that was fine since I know I didnt make those two transactions. Keep in mind since their service was so bad, coupled with I didnt even receive a fraud alert for such major transactions I switched back to my previous bank XXXXXXXX XXXX since XXXX of XXXX. XXXX XXXX   has been my main bank since and no transactions at all have been coming out or deposited into PNC. Yet somehow with the account they refused to close because of the pending dispute ( still not sure why its taking them 3 months for transactions that werent mine ) they are charging fraudulent fees. This checking account is a student account thus there is no monthly fees, so I dont get what fees theyre charging for in active account bringing it to the negatives and then having they audacity to charge overdraft fees they created. Fast forward to XX/XX/XXXX. I opened the app to finally see if they closed out the account only to see they refused the dispute asking me to pay for transactions I didnt make. Yes an app had to tell me they never sent a letter or called!!! This bank is above ridiculous! Im not paying for transactions I didnt make, and fraudulent fees theyre charging me because they want to keep an unwanted account open. I did some research and found out Im not the only victim to this scam of theirs, there was a whole lawsuit in XXXX by many customers of the bank and if they dont rectify this situation I will be their XXXX lawsuits and I have proof of not even having access to my bank/debit card at the time of the fraudulent transactions. Im tired of calling just to be transferred around for 2 hours because no one wants to help me.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were XXXX XXXXnaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IA)

I called our mortgage company on XX/XX/2020 to ask about a refinance to a lower rate. I supplied all requested paperwork to the representative immediately upon request and was instantly approved. Since then I have been repeatedly asked to submit identical paperwork ( which I have done immediately ) and am still getting the run around about our closing date. I have dealt with several different people and have had a hard time getting a straight answer about what the hold up is. I believe they are stalling on the closing so that we have to continue to pay the higher interest rate. We have a $ XXXX yearly income and good credit. Additionally we are already a customer of Freedom Mortgage and are in good standing so there is no reason why we should be hassled this much about a refinance that was preapproved in a matter of hours. The individual who preapproved our refinance even stated that we are preferred borrowers or some similar term. If this is how preferred borrowers are treated I would hate to see how everyone else it treated.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NJ)

i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... ..XXXX XXXX and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and XX/XX/XXXX but if you look at the XXXX XXXX payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amounts there are XXXX different ones being reported between bureaus XXXX XXXX XXXX XXXX  ... all 3 cant be accurate and therefore they are violating my consumer rights
Consumer complaint received 2020-03-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attached FRAUD CLAIM XX/XX/XXXX {$470.00}. Temporary Credits made permanet NEVER APPLIED AFTER 10 TEN MONTHS OF INVESTIGATION. See attatched STATEMENT XX/XX/XXXX. ONLY CREDITS ARE MERCHANTS CREDITS. Where are the timely USAA temporary credits USAA CONFIRMS WERE MADE PERMANET THAT HAVE NEVER BEEN MADE. 10 TEN MONTHS LATE? THEY DO NOT EXSIST. Why was I descriminated against because of my age or was it my XXXX? WHY WEREN'T MY FRAUD CREDITS MADE TIMELY? WHY WEREN'T CREDITS CONFIRMED PROVIDED PROVIDED AS WITH THOSE ABLE TO GO ON LINE ALWAYS ARE PER USAA POLICY? DISCRIMINATION AGAINST XXXX  XXXX CONSUMERS? XXXX  XXXX  ARE NOT ABLE TO GO ON LINE WHEN USAA IS NOT ADA ACCESSIBLE. No man in blue ADA ACCESS. NO WAY TO RESOLVE TARGETED XXXX XXXX CONSUMERS FRAUDS. XXXX USAA STILL NO RESOLVE. ALL OTHERS WOULD BE PROVIDED CREDITS TIMELY OR AT ALL, BUT NOT ME A XXXX XXXX  CONSUMER THAT NEEDS MORE PROTECTION THAN THOSE LESS VULNERABLE!!!!!!!!!!!! AND A 35 YEAR MEMBER XXXX.
Consumer complaint received 2023-01-16
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. (NJ)

i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law XXXX times now... i have pointed out that this account is being reported as a re aged account.XXXX XXXX, equifax and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and XX/XX/XXXX but if you look at the 2 year payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amounts there are 3 different ones being reported between bureaus XXXX XXXX, and XXXX ... all 3 cant be accurate and therefore they are violating my consumer rights
Consumer complaint received 2020-03-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I was working with Amerisave Mortgage and XXXX XXXX on a mortgage. I was quoted one price and at the last minute raised XXXX a month. The agent had no idea nor informed me of the change. He was cashing me out and put XXXX in escrow or so he said. Plus they were charging me XXXX in closing cost which is ridiculous. I was told I would get the money back on the apprasial which apparently I will not. I'm not saying this is illegal ; however, it was clearly misleading with the phone conversations. If you review the phone records that they use for training purposes you will see what I mean. I believe the company was looking to rip me off.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name # XXXX Account name # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

I closed on a property in XXXX and financed it with XXXX XXXX, which uses The Money Source for handling the mortgage payments. 
My first payment was due on XX/XX/2020, and I decided to pay in advance ( XX/XX/2020 ) like I typically do. On XX/XX/2020 I received a letter informing that my mortgage was being transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX and that any payments made would be transferred to them within 60 days. 
I have been in contact with The Money Source representatives and supervisors since mid XXXX and I still can not get an answer about where my funds are and when they will be transferred. 
XXXX XXXX, the new service provider, keeps calling me every single day asking about the XXXX payment. With my 60 day protection expiring this weekend, I'm afraid I will start getting late fees and my credit score will be impacted. 
The Money Source is not getting back to me with a solid answer and it seems like no one there knows what's going on.
Consumer complaint received 2023-01-17
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a matter of utmost urgency and concern. I have recently discovered that I have fallen victim to identity theft. Subsequent investigations have revealed that three credit card accounts were illicitly opened under my name with XXXX XXXX XXXXXXXX, each bearing substantial balances. 

I have never been a client of XXXX XXXX XXXXXXXX nor applied for credit cards with the aforementioned institution. I realized this fraudulent activity when I sought a loan, only to be informed by my loan officer and real estate agent of these unauthorized accounts. 

I promptly took the necessary steps to address this egregious violation of my privacy and financial security. I have lodged a formal report with the XXXX Police Department, expecting swift action and resolution. It is imperative to emphasize that I vehemently oppose any frivolous reporting of fraudulent or derogatory accounts on my credit profile, especially considering my complete lack of association with XXXX XXXX XXXXXXXX. 

Upon meticulous examination of my credit report, it has come to light that the first unauthorized account was initiated in XX/XX/XXXX, the second unauthorized account was initiated in XX/XX/XXXX, and two additional accounts in XX/XX/XXXX. This unequivocally qualifies as identity theft, as these accounts were established without my knowledge, consent, or any legitimate association with my person. 

In light of the severity of this matter, I would appreciate your urgent attention and assistance in fixing this situation. With your intervention, the necessary measures will be taken to restore my financial integrity and absolve me of any unwarranted liabilities stemming from this malicious act of identity theft.
Consumer complaint received 2023-02-01
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. (UT)

In accordance with the Fair Credit Reporting act 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 fumish a account without my written instructions.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been collecting XXXX unemployment from the state of AZ. I received my Bank of America card and deposit the end of XXXX. On XX/XX/2020, I was informed via email, that my account was closed and the money was returned to my employer. I checked my account, and the balance was XXXX. AZ XXXX had closed my account and took the money with no notice. They deemed me fraudulent as I currently reside in CA. My account had {$4600.00} at the time of their withdrawal. Since then, I have set up direct deposit, my account is NOT fraudulent, and I even had an appeal. I have called and/or emailed everyone I can for this. No one can tell me where my money is. It still shows I received it and paid taxes on it on my workbench. I do my know what else to do. Now this shows as income and that I paid taxes, but I did not. It was taken, no explanation, no one knows where it went.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc. (FL)

I received a debt collection letter in the mail today from Unifin. The letter shows XXXX XXXX XXXX  as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.
Consumer complaint received 2023-01-17
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On Monday XX/XX/2024, I walked into the ( city ) Tx Wells Fargo bank to make a payment on a mortgage acct that is in my ex 's name. I made this payment in cash. and received a receipt. After that transaction, I asked that the XXXX checks I had be deposited into MY savings account and provided my ID. 

The teller neglected to check the names and addresses on the account and the checks, and deposited my checks into my ex-husband 's savings account. 

I got a receipt for that transaction, ( not knowing her mistake ). 2 days later on Wednesday the XXXX I went to pay bills and noticed my money was not there. I promptly went into the branch and spoke with the teller. Who admitted her mistake and called for a XXXX. 

The XXXX spoke with claims, and it was escalated. I was told regardless of the teller admitting her mistake they would not return my funds and I had to wait up to XXXX business days. In the mean time my financial information in the form of check images were in my ex husbands acct. I explained that this was not okay. This gave him access to my financial information, salary, employers, etc and given our past this needed to be fixed immediately. 

I went into the bank on XX/XX/2024, after calling the wells fargo number and was told it was a bank issue and that the bank branch needed to fix it. I explained the XXXX had tried and was told she couldn't fix it, and I was now getting conflicting information. I drove down to the bank, with customer service on the phone, and told then I was with the XXXX and they needed to explain to him that he needed to fix it. The story changed again and he told the XXXX I needed to wait the 10 days. 

I did receive my funds on XX/XX/XXXX, and someone called me on XX/XX/2024 to let me know they were looking into the claim, and I let them know I had the funds already but I needed the images removed. She said she had never dealt with this and wasn't sure what to do. I told her she needed to escalate it and figure it out. I have gone to the bank and let them know again that this is unacceptable and my financial information should have never been put into someone else 's account. To date XX/XX/2024 the check images are still in my ex 's account.
Consumer complaint received 2023-01-24
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. (CT)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (GA)

To whom this may Concern, I am writing in to file a formal complaint against National Credit Adjusters. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CBC Mortgage Agency (MD)

On XX/XX/XXXX, I submitted all the required documents to XXXX XXXX XXXX XXXX XXXX. to request a loan modification. I constantly reached out to them on a regular basis to request an update, and was informed each time to contact them about a week later. Finally, during the end of XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX XXXX. was not listed in the first position and that my second lender, CBC Motgage was listed as being listed in the first position. According to CBC 's representative, they are listed on the record in the second position. I provided XXXX with a copy of the Certificate of Satisfaction on XX/XX/XXXX and the documentation was sent directly to XXXX XXXX, whom I late learned was a supervisor in the Loan Modification division. After calling to follow-up, I was informed two weeks later that XXXX XXXX has yet to process or upload any documentation and there wasn't anything in the system to reflect that they had received the document. I also followed up on approximately XX/XX/XXXX or XXXX to request an update, and I'm no longer closer to finalizing this process. On XX/XX/XXXX, XXXX XXXX sent an email to XXXX to notify XXXX that they are listed in 2nd position. They also requested documentation verifying this information. I followed up again on the same day, to ensure they received XXXX XXXX email and was told that they needed documentation from CBC. I stated to the representative that I could connect the CBC Mortgage representative and was told to have them reach out to XXXX XXXX, to have them send the documentation. I have checked the XXXX XXXX Deed of Records and am unable to find a document that shows CBC Mortgage in first position. Can you please assist me with resolving this matter? It is hinder me from filing a loan modification under XXXX XXXX XXXX