davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AK)

The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

A check was deposited by my girlfriend and it came back as altered/fraudulent so the bank said they were closing the account. That is fine, however they are holding my funds for 60 days. This is unexceptionable. The funds deposited in the account are from SSDI and are federally protected. This is my only form of income and holding them will cause undo and unnecessary suffering on my part, no food, no gas, no bills being paid, and phone already suspended. If I read the law correctly they must make available at least 2 months of SSDI payments which are direct deposited into account
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

Since XXXX My mortgage company ( PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has made repeated errors to my account. I switched XXXX XXXX XXXX as of XX/XX/2022. Since then my mortgage company has insisted I pay XXXX monthly on top of the XXXX they draft monthly. My new home owners insurance is much lower but they can not seem to understand what they are trying to do. Then they sent XXXX separate payments to my new insurance company, XXXX for XXXX and another for XXXX. It took me calling over and over to find someone that would help fix the problem. In the meantime, I sent in XXXX by check and marked it for escrow along with a letter stating the payment was for escrow. However, they took XXXX out of that check and drafted my XXXX as mortgage payments. I have called and spoken to a lot of representatives but it leads XXXX. My credit rating has dropped as well. I am a XXXX parent and care for my XXXX XXXX XXXX My budget goes to bills first and then I put extra down when I can. This company is totally out of controlling and should not be in the mortgage business. My loan was sold in XXXX to PHH and I have had nothing but problems since. Any assistance would be so appreciated. The company has never reached out to me with any type of notification as to what and why they are doing these things. I have not recourse as to who buys my mortgage, but they can ruin a person 's credit with no questions or responsibilities.
Consumer complaint received 2022-06-13
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. (CT)

**** In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.
Consumer complaint received 2022-07-21
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX XXXX XXXX CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$3.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$1.00} XXXX  XXXX Balance : {$20.00} XXXX  XXXX Balance : {$20.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$14.00} XXXX XXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXXl XXXX Balance : {$8.00XXXX XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX  XXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXX Balance : {$15.00} XXXX  XXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$7.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$13.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00}
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}
Consumer complaint received 2022-06-13
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. (CT)

**** In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (PA)

there are unauthorized inquiries for XXXX XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

As being a victim of identity theft. I have repeatedly sent all files and documents to XXXX and EXPERIAN. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.
Consumer complaint received 2018-04-18
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: Midwest Recovery Systems (NY)

I pulled my credit report and came to found a Collection account Whit the name of mid west recovery I have tried talking to them but not getting response I have send my dispute for the bureau and nothing I have also noticed lots of inquiries on my as recant as yesterday which is not mine Please help me get my credit back on track
Consumer complaint received 2018-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2018 I went to TD Bank to withdraw some money from the ATM. In this TD bank there was an intake vent in between both of the ATM 's which conveniently had 3 very large unprotected holes that were constantly sucking up air. I took out my money from the ATM and by accident dropped money as i was trying to put it in my wallet. The money fell and immediately was sucked up by the vent. Now the vent had a door above it so i went to the teller and told them about the situation. The teller then introduced me to the assistant manager, which sat me down and said " look we know about this issue and have had incidents like this before but the vent leads down to the sewer system so its out of my control and I cant do anything for you ''. I proceded to tell him about the door and he said that they could not open it. I asked why there is No mesh or protective barier put on the vent to stop this from happening and he just repeated that there was nothing they could do and its out of their hands. They actively kbow about this serious issue yet are negligent and people like me are loosing money because they dont want to do anything.
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 furnish a account without my written instructions
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IN)

While I was waiting on the decision on whether or not I would be granted an extension on a forbearance, the bank filed a case against me. A court case was filed against me dated XX/XX/2018. I received a letter dated for XX/XX/2018 explaining that they will not grant me an extension. While applying for help through the Hardest Hit Fund, a housing counselor told me that, by the bank filing against me while I was still in loss mitigation awaiting the bank 's decision on the extension, the bank was doing what is called " dual tracking, '' which I was told was illegal. It was then suggested that I file a complaint with your organization. I have a settlement conference by phone scheduled for XX/XX/2018. On XX/XX/2018, I filed for a continuance with the courts at the advice of the counselor.
Consumer complaint received 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

I had an auto loan with Tidewater from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made my XX/XX/XXXX payment which was due on XX/XX/XXXX. With a customer service rep via phone on XX/XX/XXXX due to moving in a new home. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX being a Sunday & XX/XX/XXXX being a holiday ( XXXX XXXX XXXX ). That Tidewater would not report my account as being paid 30 days late. 2 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX  ) and see that Tidewater actually did report the account as being paid 30 days late for XX/XX/XXXX. Which is incorrect
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX, XXXX XXXX, XXXX XXXX, XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX Addresses : The following addresses are incorrect and should be removed : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX The following address should be added : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sirs, I have had 2 lines of credit with Bank of America since 2005. One is fixed and the other was variable. I have fully paid off the variable portion some months ago but during the process was never able to get a payoff amount for the variable portion. I pay my fixed rate portion on or before the XXXX of the month at the branch in cash and always pay additional toward the principal. I have been incessantly harassed by phone calls from Bank Of America stating that I have not paid my loan payment on time. I have repeatedly told them that I have the receipts but they tell me that the branch does not reflect the payment. This happens practically every other day and honestly I fear a sort of set up. they send me statements that I owe XXXX cents on the variable portion. I feel that this is totally in bad faith and that they are trying some sort of unseemly tactic. I feel harassed and harangued. I want to have my fixed HELOC vacated and damages awarded.
Consumer complaint received 2022-10-19
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: TD BANK US HOLDING COMPANY (KS)

There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : TD Retail Card Service  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided
Consumer complaint received 2022-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2022, I received a billing statement reversing a charge that I informed a banker that was not mine. I received a call from Bank of America with an agent stating that suspicious activity was noticed on my card and was issued a new card that was I never received. When I received the statement it showed the fraudulent charge removed and then it was reversed. I put in a claim for a fraudulent charge, but due to me also being a victim of mail theft did not receive the denial. When I did follow up with Bank of America, I let the banker know I did not receive the denial and that I had much evidence to share of my identity theft ( a police report number, postal inspector case number, FTC identity theft report, District Attorney complaint number, and other proof of my stolen identity. This was XX/XX/2022. A few days later I received a letter of denial of my claim on XX/XX/2022. It was obvious that the fraud department did not receive the evidence I sent to the XXXX XXXX site because I sent it on the XX/XX/2022. I have tried several times to speak to the fraud department about this but have been on long holds ( XXXX hour or more ) or have been hung up on because of the volume of calls.
Consumer complaint received 2024-02-28
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. (TX)

The following accounts listed on my credit reports are being reported illegally and are fraudulent for the following reasons : XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX XXXX. XXXX XXXX XXXX. Acct # : XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. The above items are being illegally reported as charge-offs. I was never provided LEGAL details of what would happen if any of my accounts were to go into a default status. The Credit Card Agreements do not provide any LEGAL definition of an account going into collections or being noted as a charge-off. I have attached the credit card agreements for you to see. There are several very important issues that are not addressed. XXXX ). What is the LEGAL definition of an account in collections? XXXX ). What is the LEGAL length of time that an account is in default that it can go into collections? XXXX ). What is the LEGAL definition of a charge-off? XXXX ). What is the LEGAL length of time that an account is in default that it is considered a charge-off? Neither the credit card agreements nor the FCRA give any type of LEGAL definition of the terms above. It appears that companies can just make up the rules to whatever suits them at the time. Meanwhile, it is the people who suffer. I demand these accounts be removed from my credit reports due to a lack of informed consent, according to 15 USC 1602 ( k ), which makes them illegal to be reported as a charge-off. As you can also note, the 3 credit bureaus are not reporting the same information, which also makes them less than 100 % accurate. According to 15 USC 1681 602 ( a ) ( 1 ), " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Also, for this second reason, I demand the accounts be removed from my credit reports.

The basis of my complaint is there are no LEGAL definitions of terms provided to me by the creditors. TransUnion has not addressed this is any way whatsoever. I have tried 3 times to get answers and it comes back " UPDATED ''. They purposefully ignore my complaint.