davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting multiple written appeals to Equifax regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information 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 are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-24
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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. (LA)

This attached DISPUTE LETTER and ID Theft report serves as my formal complaint to this credit reporting agency, because you are reporting inaccurate credit account information within my credit report. I recently submitted a request for investigation of the below listed accounts, in which you have refused to investigate. I submitted more than enough information for you to conduct your investigation of the below listed accounts. However, your agency has refused to investigate these accounts thoroughly enough the last time that I submitted my disputes to you.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

For 2 years My brothers XXXX checks have been deposited in my account the same way via Mobile App Not bounced or Anything He is currently incarcerated so I am unable to take him into a bank or have the bank call him Explained this multiple times my account has been frozen since XXXX XXXX XXXX  did not flag the transaction as fraudulent only the bank
Consumer complaint received 2018-11-19
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

I completed the Fraud paperwork mailed to me by Navient, obtained a police report and gave a detailed letter as to what I believed happened and how XXXX was able to get access to my social security number and other personal information. They received my completed packet called XXXX XXXX, the representative for Navient said the case is closed as they called XXXX asked if she had permission to use my personal information for the purpose of the loan, they stated she confirmed I did give her permission to place me on the loan as a cosigner and they then closed my case.
Consumer complaint received 2023-03-24
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)

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. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Reported Balance {$5900.00}. 
Account XXXX -XXXX  XXXX, Reported Balance {$0.00}, Pay Status >Sold ; was Charged-off<, Account XXXX -XXXX XXXX XXXXXXXX, Date XXXX XX/XX/XXXX, Balance {$6000.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$26000.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$19000.00}, Pay Status >Charge-off<. 
Account XXXX -XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$5800.00}, Pay Status >Charge-off<. 
Account XXXX - XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$0.00}, Pay Status >Sold ; was Charged-off< Account XXXX - XXXX XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Pay Status >Charge-off<. 
Account XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$14000.00}, Pay Status >Charge-off<. 
Account XXXX -XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX, Balance {$2100.00}, Pay Status >Charge-off<. 
These are the accounts I want to be removed from my credit report.

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 2018-11-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

We sold a property in XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and closed on XX/XX/2018. We contacted the Mortgage Company, Freedom Mortgage, and gave them a change of address to send our escrow refund. On or around XX/XX/XXXX my wife contacted them to verify that they indeed had our correct address and asked if they had sent an escrow refund. They stated that a check was issued on XX/XX/XXXX and mailed on the XXXX. We waited a week, and called back stating we had not received the escrow refund, but did receive other mail from Freedom Mortgage with our correct address. They said give it 5 more days and then if by XX/XX/2018, we had not received our check they could void the original check and send us a new one. The following day we received an account closing statement, with no check, so we called them back and asked if the figures were correct, they said yes, and then we inquired as to whether a check should have been in that statement and they said " sometimes ''. 
My wife called back today, XXXX XXXX, 47 days after we closed on the property, and they told her they would void the check and submit another within 10 days. I got irritated and asked why another 10 days and they said it was " Policy ''. I asked what the federal requirements were for refunding an escrow account and they did not answer the question. I then asked why they did not cancel the check when we first contacted them and told them there was an issue, they said they could not. After repeated questioning they did admit they could have cancelled the check but their policy is not to, but rather re-submit a new check after the 10 day period, meaning we would not receive our escrow refund for well over 60 days after closing. 
I went to CFPB website, found where the law states they have 20 days to return the escrow, and I am asking for your help. 
We did our part by contacting the mortgage provider multiple times to inform them of the issue, waiting patiently, and now we have been lied to concerning the policy of the company, that a check was sent when one was not, and that they had up to 60 days to refund and escrow account.
Consumer complaint received 2023-03-24
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. (CT)

XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX  ( Finance ) Date reported XX/XX/XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX  ( Finance ) Date reported XX/XX/XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX  XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX ( Auto ) Date reported XX/XX/XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX ( Bank ) Date reported XX/XX/XXXX I called the bureaus and they refused to remove the inquiries off my credit. I never authorized these inquiries
Consumer complaint received 2023-03-24
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. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following itemsfrom my file. 
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 2018-11-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (CA)

I have been in dispute with Ditech ( mortgage lender ) since XX/XX/2018. My XX/XX/XXXX payment was taken from my bank account but never reflected to my mortgage account. The amount in dispute is {$1700.00}. I have submitted all my documents both uploaded and again sent certified mail on XX/XX/18, after several attempts to resolve. I was asked to fax my documents only to run in to the issue where their fax machine either rings off the hook or a busy signal. I have been in constant communication with them both in writing and verbally. 

To add insult to injury, I am now getting Collection calls from XXXX, my so call agent after she knows that I am currently in dispute with them. I have never, ever received a collections call for my debts, especially from Ditech. 

It gets better, I buy my homeowners insurance through them, and I have now been threatened with cancellation due to this horrific mess that is still unresolved.
Consumer complaint received 2023-03-24
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. (NJ)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2017-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX I went into a Navy Federal Credit Union branch in The XXXX XXXX area and filed for a refinance for a XXXX XXXX XXXX that I purchased through them. I was told on the phone earlier in the month that I could do that by one of their agents. I was out of work and had been since XX/XX/XXXX and was starting to fall behind in payments. I was told this as a temporary solution to my financial problem. We went back and forth for a couple of weeks and then they decided to grant the refinance. They told me that I could n't get the refinance unless I give up the insurance that I had on my loan. Since that time I noticed that they are charging me {$29.00} assessment fees and increase Balance adjustments fees also {$29.00} during the month. This is not helping when it comes to paying off an account no matter what kind. We have discussed fees many times and I am tired of talking to them about this and need help. I am a long time customer and been with them for many years without incurring any problems until now.
Consumer complaint received 2018-11-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (FL)

I was offer a loan for US {$5000.00} ; gave to this so call bank US {$600.00}. 

Never got the loan and now they hang up the phone on me when I call them. 

I know, I have been scammed and probably never get my money back, but I would like to protect others from this kind of scam. 

Hi XXXX! 

Good day and Congratulations!! 

It is our pleasure to inform you that the loan application we received from a partner online lender was processed and approved for a personal unsecured loan of {$5000.00} with flat 3.4 % interest rate and flexible repayment options. Please refer to the simple table below for more details. 


Loan Approval Code XXXX Loan Amount {$5000.00} Total Payback {$5800.00} Monthly Installment {$98.00} Interest Rate 3.4 % Loan Term 60 Months As a financial business we are subjected to immediate but arbitrary audits by the US Federal Treasury Department. Your loan process was included in an audit and is now being monitored by the Internal Revenue Service. Being a Personal Unsecured Loan, we are now facing taxation for the loan amount and as a legal policy, you are required to shoulder a portion of this tax since the approved loan is on your name and will be deposited to your own bank account. 

Your responsibility on the tax amount is {$490.00}. Please be sure to settle this to complete the deposit prerequisites. 

Your insurance registration fee was processed through one of our  corporate partners and accordingly received. The insurance policy number was successfully generated and is now attached to your loan profile as an update. The {$150.00} designated fee amount corresponds to loan protection contract for your {$5000.00} personal unsecured loan. You are bound to get the same amount back along with the loan amount upon deposit, making a total of {$5100.00}. For any instance that the loan process is hindered or if any of our requirements may unfortunately not be met, YOU WILL STILL GET REGISTRATION FEE OF {$150.00} BACK. 

Our systems also reflect that you settled the company 's CLOSING FEE requirement. The closing fee is the consolidation of Origination, Processing, and Commitment Fees, making a total of {$350.00}. This was added to your profile as an update, making you eligible to be endorsed to the deposit process. This was supposed to get your loan process finalized, but since the audit was UNFORESEEN, the taxation needs to be settled first. 

Kindly coordinate with your designated accounting specialist XXXX XXXX by dialing the number at the bottom of this email to settle the taxation and finalize your loan requirements. Thank you. 


XXXX XXXX XXXX Manager, Accounting and Legal Dept. 
PNC Loans and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX - XXXX OTHER PHONE NUMBER : XXXX
Consumer complaint received 2018-11-19
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. (IN)

Transunion lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

XXXX lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I can not dispute the inaccuracies on my credit report because key information about my personal information is wrong. When I attempt to dispute the information, I can not be authenticated on their form because I am entering the correct information.
Consumer complaint received 2022-07-26
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-19
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 (IL)

Capital One took {$3600.00} out of my bank account as a payment for one of my credit cards. I did not authorize this transaction. The payment was supposed to only be {$110.00}. I have tried 3 different times to be refunded. They admitted it was their error, contacted my bank to make sure it cleared my account, but now keeps telling me the refund department is behind in their processing. It only took 2 days for them to take the money and it's been 10 days and still no refund. Need help.
Consumer complaint received 2019-09-04
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. (IL)

I attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer Act.