davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Google Compare Credit Cards Inc. (TX)

There is an individual using my social security number my name but he uses a different email. XXXX is the address that I use he's got a mortgage loan loan in my name he's got a car loan and my name. I believe with individual state in Kentucky because he just opened up a utility account and my name I don't know if it's water gas or electric but it's a utility in my name and mantuck Kentucky.
Consumer complaint received 2024-03-15
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Consumer complaint received 2022-10-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

I have contacted Equifax XX/XX/22 about inaccurate and incomplete information on my credit report. I have asked for verification and proof that the accounts I have asked to be removed but they have refused to send me any of which I have asked.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : Inquiries XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Late Payment XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've called XXXX XXXX several times and advised them my information was incorrect. According to my credit report. I never had lights in my name until XXXX in my very first apartment I'm currently living at. I've disputed this several times with XXXX XXXX and credit bureaus. I was told lights were turned on in my name between XXXX and XXXX. I was still able to get lights turned on where I currently live but it's showing on my credit report which is affecting my credit.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XXXXXXXX XXXX In XXXX XXXX I went to withdraw Money from my TD checking account from my social security direct deposit account and discovered there was a freeze on my account, I spent a day on the phone with people including managers and 2 different branches. I passed voice identification and security questions and they said they would have to text me on a US phone No. Being in XXXX XXXX I only have an XXXX XXXX No. Their only solution was for me to go to a US branch with photo id and passport. I have severe XXXXXXXX XXXX about XXXX XXXX XXXX plus am on the cusp of XXXX XXXX, Flying causes me a great deal of pain. So, no money, no food and no medication, I have to fly to NY and back costing me over {$600.00} and a great deal of pain and suffering. I would like to be compensated and warn people not to travel internationally if they use TD Bank. I think that it's illegal to freeze a direct deposit social security account
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i never signed for any of these charges and I never provided my credit card as none of these charges show that my credit card was swiped or used. 

I contacted WF when I saw the charge on XX/XX/XXXX that this was not my charge and that I had heard from XXXX that they had issues with charges being placed on credit cards from information they had obtained. XXXX directed me to contact WF to remove the fraudulent charges. I asked WF to block this merchant so it would not occur again and they stated they blocked them. I contacted WF and asked them to block this merchant every time another charge appeared the next month. WF told me they blocked them but failed to do so. Finally, the last month a charge appeared WF informed me that it showed that I requested to block the merchant but the prior reps had not properly blocked the merchant so this rep blocked them. Then no more charges appeared. 

I have filed this Complaint and Reconsiderations with Wells Fargo multiple times and they just ignore it, fail to remedy, and state that I am responsible because I continued to pay on the account as several letters from WF state. They claimed it was sent to fraud and nonfraud. 

I was told immediately that the person handling this matter was new and failed to properly file the claim. WF may then have been out of time to file the claim so failed to resolve it. 

i will never pay for these charges as they are not my responsibility. WF mishandled the claims all along and are responsible to correct them. This has taken up huge amounts of my credit, caused huge interest charges, and lowered my credit as a result.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Reference to my previous complaint requesting a copy of the 1099-Cancellation of Debt of which you have provided a copy of this form. I am now requesting the supporting documents like a loan modification that led for Carrington Mortgage to issue a Cancellation of Debt to the IRS. I have tried several times to contact your customer service department and no one has been able to help me. Please forward the copies of all loan modifications.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

I opened my account with TD Bank on XX/XX/XXXX because TD advertised a {$300.00} bonus to be paid within 95 days of opening if there were a minimum of XXXX in direct deposits. I direct deposited well over XXXX, and it was 95 days from the opening date on XX/XX/XXXX. I  haven't received the {$300.00} bonus. I contacted TD via their online messaging center and asked where is the bonus. " XXXX XXXX '' answered that it can take up to 145 days. This is ridiculous. TD advertised that the bonus would be paid within 95 days and it should have been paid within 95 days.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX, XXXX, 4 listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX are amongst the list. XXXX I have never been late not once. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IN)

Hello, I applied for a Chase Marriott XXXX XXXX credit card on XX/XX/XXXX and was denied due to them saying I have " too many open accounts '' and now have a negative mark on my credit report. The representative XXXX on the line said it was due to their " XX/XX/XXXX rule '' and was not denied for other reasons as I have near perfect credit and a high income so I am a safe bet for lenders. She said that I can keep applying for other Chase cards but they will all be denied. How can consumers know what cards they are eligible to apply for and not eligible due to this " rule '' for if Chase does not publicly share this info before applying? I had no idea about this rule as it was not publicly posted anywhere around the card details at all and which cards. 

This feels like a deceptive practice by Chase in order to attain more applications and withholding from the public this arbitrary rule.
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

We closed on a refinance for our loan on XX/XX/XXXX, and the loan funded on XX/XX/XXXX. At that time we had {$2400.00} in our escrow account. I have contacted the mortgage lender three times in regards to our escrow account refund. I have received different information during each phone call, and no one can provide me confirmation that our money has been sent to us. 
1st phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX and that I must wait 20 business days. No additional information was offered. 
2nd phone call XX/XX/XXXX - I was told the refund check was mailed XX/XX/XXXX ( different information ). They offered to stop processing on the first check and mail a new one. My request to send the check using a tracking number and XXXX  or XXXX service was denied, and I was told that is not possible. 
3rd phone call XX/XX/XXXX - I was told the second attempt check was sent on XX/XX/XXXX. I was told that it could have been sent with a tracking number with XXXX  with no explanation as to why I was refused that option the last call. I requested an email confirmation stating the escrow account refund check had been issued and was informed that the only confirmation was looking at my account activity on the website. Email confirmation was refused. 
Information during each phone call has been inconsistent. The company can not offer suitable solutions or explanations to resolve the issue. It has now been 46 days since our refinance funded to PennyMac Loan Services, and we have not received our escrow account refund.
Consumer complaint received 2022-01-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Transunion that the 13 complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that FCRA 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA 15 U.S.C. 1681B states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via 15 U.S.C. 1681a ( d ) ( 2 ) ( B ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within 15 days according to 15 U.S.C. 1681i but the agency also did NOT comply with the law yet again. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative. Also note, XXXX XXXX, General Counsel, understood my request and deleted the other accounts so it appears the person reading this is not the right person. Side note, how is it that my rights were upheld with the other accounts ( see attachment below ) yet the transaction in question is being disregarded?
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (NY)

I Have an Auto Loan with Westlake Financial, along with full coverage from XXXX XXXX. I was involved in an unfortunate circumstance of an accident that resulted in the vehicle being totaled. XXXX XXXX came by and resulted in balance of {$3000.00}.
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I applied for the SAVE plan which requires my tax return for consideration. I have sent my most recent tax return ( XXXX ) to them 3 times. Once with the initial application submitted on the fed website. Once in the doc center per nelnets instructions. Once via email per nelnets instructions. I am still getting emails saying send us the current or previous tax years return. 

I called nelnet to say I have sent this in and what is going on and was told your current tax return isnt current enough we want your W2. 

After going back and forth with nelnet asking for an explanation of why they are not acknowledging that I have sent in my current tax return per their instructions I disconnected the call. 

I am trying to apply for and be out in the SAVE plan because my balance has gone up despite me having made every single payment on time since I entered repayment in XXXX. I believe my servicer is trying to discourage me from taking advantage of this program by refusing to properly review the information I have sent in.
Consumer complaint received 2023-03-14
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. (VA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION / XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-15
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2023-08-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA/BAC loans and XXXX XXXX under all known subsidiaries plus with the aid of government resources plus bankruptcy fraud used my property and my identity on property loans that have continued to force my property into fictitious foreclosures that are not investigated by any oversight. 

BAC LOANS with dozens of individuals did participate in loans schemes without my knowledge and outside of regulations of SEC for no less than one decade. 

Bank of America to Pay {$16.00} Billion in Historic Justice Department Settlement for Financial Fraud Leading up to and During the Financial Crisis BAC LOANS with Countrywide have been investigated, sanctioned and fined for all types of violations under financial fictitious loans schemes, and consumer frauds. 

Bank of America BAC has been hit with substantial financial penalties that amount to {$250.00} XXXX. 

CFPB Fines XXXX XXXX  {$37.00} XXXX for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customers The bank pressured employees to sell, leading them to access credit reports and open accounts without permission XX/XX/XXXX  This includes {$100.00} XXXX in customer reimbursements and {$150.00} XXXX in fines due to a trio of unsavory practices involving overdraft fees, withholding credit card rewards and opening unauthorized accounts.6 days ago Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX  must make harmed customers whole and pay a {$37.00} XXXX penalty.