davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

In XXXX I received an escrow analysis statement from my mortgage servicing company telling me the account was short of funds by {$1100.00} and the escrow payment will go up from {$800.00} to ( {$860.00} + {$98.00} ) {$960.00}! I immediately went to check their website and the website was showing a balance of {$3100.00} and the next payment from the escrow will not be paid until XXXX for {$2200.00}. Also the escrow analysis has never credited the propert rebate amout from the state of NJ. I therefore called them so I can pay my property taxes and insurance directly which means they should removed that escrow account as I will be responsible to pay the taxes and insurance. They refused and to me it looks like they are predators because I have refused any suggestion by them to refinance and get cash out of my house. There a large descrepancy of the escrow account analysis and what is in the account.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. Remove now is now ASAP!
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

Back in XXXX of XXXX I was a victim of a money mule fraud. I was in XXXX  and a guy promised me a job opportunity. The man asked for my bank info and with that they stole and overdrew a huge amount of funds from the account and as a result USAA was forced to close my bank account and ban me from using thier bank ever again. Also because it was a family joint account my mom who serves as a XXXX in the XXXX XXXX was also affected and lost all her funds. She was unable to make payments to her home due to this harsh fraud activity. Last year of XXXX I opened a new account with XXXX XXXX but the next day I went to deposit cash into my new bank account based off my consumer report they had to put my account on freeze because of my banking history and was told to contact XXXX XXXX XXXX. I wrote them a letter explaining the situation and they referred me to you guys.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove this FRAUD ACCOUNTS ASAP!
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I tried to make a payment to my Capital One account, however i'm being prevented from accessing my account by a 2-step authentication process that has started this month. 
i have been making payment via my home computer and only my home computer for years with the same ip address, for years. 
i have called Capital One and have not gotten a satisfactory response. And I have to give them my cell phone number to get a code or have a phone call placed to me. the issue is I DONT GIVE OUT MY CELL PHONE NUMBER TO MY BANK, MY CREDIT CARDS OR ANYONE I DON'T WANT TO HAVE SAID CELL PHONE NUMBER. 
ALSO THIS IS A FORM OF DISCRIMINATION BASED ON THE FACT THAT THEY ( CAPITAL ONE ) THINKS I'M USING A MAJOR CELL CARRIER SO THEY CAN CROSS REFRENCE MY CELL PHONE NUMBER. THERE IS NO OPTION TO GET A CODE VIA MY EMAIL ADDRESS. 
I had to pay over the phone, however I should not have to do this every month.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XX/XX/XXXX, I disputed an inaccurate account with XXXX XXXX that appeared on my XXXX credit report. I have never had an account with XXXX XXXX. In XX/XX/XXXX, I received notification from TransUnion that the incorrect account had been deleted. In XX/XX/XXXX, the incorrect account had been reinserted on my credit report by TransUnion without notification. 
This account should be deleted for two reasons. 
1. This account is incorrect. It does not belong to me. I have never applied for credit with this company. 
2. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify the consumer of the reinsertion within five ( 5 ) business days. I did not receive any such notification.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

1. XXXX XXXX - Account XXXX : XXXX, 2. XXXX XXXX - Account XXXX : XXXX, 3. XXXX XXXX Account XXXX : XXXX and 4. XXXX XXXX XXXX : xxxxxxxxx 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 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I am very disappointed. Please remove this fraud accounts right away!
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I had a joint credit card with XXXX XXXX with my ex husband. He has the debt per our divorce decree, it was paid up but he filed for bankruptcy in XXXX. He called them to pay it in XXXX and XXXX but was told the account was closed and no payment was needed. Then MY credit monitoring service showed the account as late this month. I called XXXX XXXX who said they were not legally allowed to notify me the account was behind but somehow they could report it negatively to the credit bureaus?!? Honestly the ex could have spoken to a person and got clarification on the payment but I certainly had no way of knowing it was behind, it is now paid up and I have a negative hit on my credit foe an account that was no longer mine to pay on which I got no notice AND a bankruptcy I did NOT file. In addition, of the 3 credit agencies I could not reach a person at Experian to file a dispute, disputes are pending at XXXX, XXXX, AND XXXX XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I hereby submit a renewed complaint to apprise you of the identity theft incident I have fallen victim to. I revisited the FEDERAL TRADE COMMISSION website, accessible at https : //www.ftc.gov, and proceeded to file an identity theft report, as mandated by the FCRA section 605b. It is imperative that Credit Reporting Agencies, as per this section, expeditiously expunge any entries attributed to the identity theft report I submitted. Enclosed herewith are the pertinent documents facilitating the removal of inaccurate information currently reflected on my credit report. The ensuing is a catalog of items erroneously associated with my identity or opened without my explicit authorization, as observed in the credit reports of different agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any information identified by the consumer as resulting from alleged identity theft within four business days of receipt.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IL)

Thursday, XX/XX/XXXX at XXXX XXXX I went to my atm and deposited XXXX XXXX XXXX  bills equally {$600.00}. I can only deposit 30 units at a time so I counted 30 beforehand. It took a long time to process and gave my card back while saying my transaction was cancelled. It printed out a receipt saying there was a problem returning my money and to contact my bank. Last time this happened I had to wait almost two weeks to get my money back ( it was also {$600.00} ) because Regions bank said that the people who work on the atm only come out on Wednesdays and they need to make sure it really was {$600.00}. When I got my money back it was only {$300.00}. They told me there was nothing they could do.
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (PA)

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question. 

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX XXXX Amount : {$150.00}
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton  Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (GA)

I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton XXXX XX/XX/XXXX Credit Plus XX/XX/XXXXCredit Plus XX/XX/XXXX
Consumer complaint received 2024-02-21
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)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AL)

When the pandemic started SLS put me in forbearance without my permission, only they took me off of my autopay a month before they put me in forbearance causing me to be late on a payment. I got a notice in the mail about being late for a payment, so I called and there was a voice recording that said " if you got a late notice ignore it - it is standard procedure. '' So, I ignore it. I didn't want the forbearance, they wouldn't take me out of forbearance so I just lived with the fact that I would be a few months behind on paying my mortgage because the customer service people genuinely have no clue what to do. They have no idea what's going on ( high turnover rate, maybe? ) Flash forward and they are reporting late on my credit. I call and try to explain that THEY took me off of my autopay and that this is THEIR fault. The woman I talked to was unkind, unhelpful, and ended up pushing me into a repayment plan. This is my first home, and I was scared to be late on a payment ( I am not late on ANY bills! ) so I agree to the repayment plan. I believe she entered my information in incorrectly because for months nothing was coming out and they were reporting to my credit the ENTIRE TIME. 

I called and got a male who was literally laughing at me and acting like I was overreacting about the fact that I wasn't able to pay my mortgage. Then my husband calls and gets a nice person ( who has no idea whats going on ) and they set up yet another repayment plan. That worked until the last few months of the year. So I call in XXXX because the XXXX payment didn't come out and decide to spend my savings paying the rest of this godforsaken repayment plan off. The customer service person was nice but uninformed and made things more confusing than they originally were. She told me the money had to be applied directly to repayment plan and not my mortgage or else I would continue to show as late and STILL put it in incorrectly. So now I have a XXXX credit on my account and still am showing late on my repayment plan. 

They are so difficult to deal with, they have ruined my credit, they are incompetent and they don't deserve to be in business anymore. Go look at their XXXX reviews. They are an awful company. It is insane that you have to refinance to change who handles your mortgage, especially when a company just does WHATEVER they want with your loan.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I have been a PNC/Union National bank account holder  since XXXX. I have a premier checking account which requires a {$5000.00} min monthly balance. I received XXXX interest in XXXX, so XX/XX/XXXX I called to see if I had any higher interest rate options. There are not. So, I switched to a lower monthly minimum. NOT a new account, same account number. The customer service rep changed my account to a Virtual Wallet account without asking or telling me. I have other accounts that are still regular accounts. On XX/XX/XXXX one of my credit card was moved to this ridicules Wallet without my consent. We never even talked about my credit cards. I did online chat with XXXX XXXX Who told me that the account could not have been changed without my consent and it could not be changed back. I can no longer even access my credit card account. I get the message " multiple errors have occurred ''. I can't see my pending checks in bill pay anymore. I actually have to go to one of my other accounts to access my bill pay info. I have been told there is nothing that I can do. I don't know if this Virtual Wallet is in testing but it's awful!! 

Please help me get my old account reinstated. The Virtual Wallet is a majorly flawed application. Customers need to be warned about this.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 


This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THE FRAUD ACCOUNT RIGHT AWAY!
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (GA)

I have paid full amount of debt in the amount of {$460.00} on XX/XX/2020. I was promised that when debt is paid in FULL, no settlement amount, this collection would be removed all 3 credit reports. I have sent letters and gotten no response or results.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX LLC 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. They Did NOT REMOVE this account instead they closed this account on my credit report as i asked that it be REMOVED.