davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (CA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX - {$14000.00} Opened - XX/XX/XXXX ( 10 yrs, 3 mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error XXXX XXXX XXXX Account Number:XXXX  THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

1. Caliber Home Loans acquired our mortgage loan XX/XX/XXXX from XXXX XXXX XXXX XXXX., XXXX XXXX, California 2. We paid {$2200.00} on XX/XX/XXXX using electronic Bill Pay through XXXX XXXX XXXX XXXX, showing the payment was received and posted through XXXX XXXX XXXX XXXX. TRACER : XXXX CUST CKF : XXXX 3. The payment cleared our account XX/XX/XXXX 4. Received a statement indicating two payments were due so we called the number provided numerous times, but COULD NOT reach anyone to speak to, so we sent a message to Billing and Payment asking about the payment that was not showing up in the online system. We received an answer indicating a response would be received within 5 days, which did not happen 5. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 6. The payment cleared our account XX/XX/XXXX 7. In XX/XX/XXXX we printed our Form XXXX, which indicates we only paid 1 month of interest, which should have been double that amount.

8. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 9. The payment cleared our account XX/XX/XXXX 10. We received our first AND ONLY phone call from someone indicating it was a collection call, he was demanding payment over the phone. We told him we had NOT missed any payments and would not provide the caller with any payment over the phone. We tried to call back to reach someone at the Mtg. company but no one would answer, so we sent another message indicating we needed help with our account.

11. We made the XX/XX/XXXX payment of {$2300.00} online on XX/XX/XXXX, which included a late fee of {$78.00} that was placed on the account 12. The payment cleared our account XX/XX/XXXX 13. We sent copies of everything to Caliber which they signed for 3-4-19, and received an answer from them 2 days ago indicating " Caliber has reviewed the documentation provided within your present inquiry and found no evidence that a payment was received on XX/XX/XXXX. '' 14. I had XXXX XXXX research the payment further and have their response with the details of this ACH Payment to Caliber.

This loan is in my husband 's name, but the home is deeded to both of us.
Consumer complaint received 2017-02-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Big Picture Loans, LLC (TX)

Called my child 's telephone and said they were the XXXX County Sheriff and wanted to issue a summons for me on bank XXXX, I also received this same message left on my phone. They then called my employer and left this message for my boss. I called the sheriffs department and they did not call me.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I sent a letter requesting to have these incorrect addresses removed from my credit report as they don't belong to me. 

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 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (CO)

On XX/XX/XXXX, I had {$120.00} taken from my account. On XX/XX/XXXX {$20.00} was taken at a XXXX XXXX XXXX {$100.00} at XXXX XXXX XXXX On XX/XX/XXXX XXXX {$50.00} transactions at XXXX XXXX XXXX and XXXX {$71.00} at XXXX XXXX. I did not authorize any of these payments and as far as I can tell they all occurred in New Mexico or Texas. I have never been to either state and was working or in the process of moving during the times in question. I reported the fraud, froze my card, and reached out to the bank that was responsible for the security of my funds to see about next steps. On XX/XX/XXXX, another {$100.00} was attempted at XXXX XXXX XXXX but because my card was frozen it was unsuccessful. The bank ruled that none of these transactions were fraud. They stated there were no declined transactions on the card after it was deactivated, which is inconsistent with a fraud pattern. This was the day after the {$100.00} transaction was declined. I filed for a review and the decided once again that it wasnt fraud. I sent multiple texts and emails asking to speak to someone in the fraud department or a manager and was ignored. I did not spend this money. As I stated i live in XXXX and have never even been to the states where the transactions occurred. Ive had {$390.00} stolen from me and did not get the assistance I needed from the bank. If you are able to offer any help Id appreciate it. Thank you for your time.
Consumer complaint received 2020-06-05
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: OneMain Finance Corporation (GA)

on XXXX XX/XX/XXXX and XX/XX/XXXX I recieved inquiries from One Main financial on My credit report. I did not authorize these hard inquiries. I disputed it, I've spoke with one main reps to get authorization proof for these inquiries but to no avail.
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I made my XXXX mortgage payment like I do every month on the PNC bank website. I clicked on my external account name linked to my personal checking account with wells fargo and clicked pay. In XXXX I went on the PNC website to do the same thing and noticed that my XXXX payment was returned unpaid by my wells fargo. I contacted PNC to see why because I had enough money in my XXXX XXXX checking account to pay that XXXX payment. The PNC rep told me that the account number was wrong. I responded, how could it be wrong I've been making the mortgage payment the same way with the same account since the mortgage started. After numerous phone calls ranging from 45 minutes to 2 hours and 34 minutes, We discovered that someone, we don't know who, entered 3 account numbers, two of which had the incorrect XXXX XXXX account number, and my name was misspelled on three of those accounts. So when I wnet to pay my mortgage, I unknowingly clicked on one of the 2 accounts that had the wrong account number so PNC never got the money. Finally after a 2 hour and 34 minute phone call with 6 different people, PNC and I worked together on line to have the other accounts deleted, and the problem has finally been solved, I requested to have the late fees reversed since I did not enter those incorrect account numbers and the incorrect spelling of my name. On one of the accounts it list my middle initial, which I never ever ever use. They are refusing to credit me the late fees.

I have only two theories...

One, my account was hacked into, which to me makes no sense since they would have nothing to gain but to cause confusion and chaos.

Two, Which makes sense to me ... ..PNC did it themselves to create the {$81.00} late fee. If they do that to just 100 of the thousands of costumers they have, they would create an additional {$8100.00} of revenue to their bank. And it happened to me twice for a total of {$160.00}. That might seem hard to believe by most people but if you've watched enough XXXX XXXX Documentaries like I have, you would know that XXXX  XXXX does this all the time in the name of profit. How the Tobacco companies that lied to the public about the cause of XXXX from cigarettes ', How the chemical companies lied about the XXXX causing agent XXXX, and let us not forget about XXXX XXXX 's predatory loans which I'm sure your agency is well knowledgably about. 

So, in summery, I would like th CFPB to look into PNC Mortgage accounts and to see if there is a pattern of these mystery account names and numbers and any unusually high amounts of late fees they are collecting from their customers
Consumer complaint received 2018-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (VA)

I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information. 
They have stated I received notification, but can not prove when, nor show me documentation. 
I have NOT received anything of this nature and they have and several complaints of un fair practices reported. 

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (AZ)

There was a Zelle transaction that was fraudulent for {$500.00} sent to a local ( XXXX ) area code. This occurred on XX/XX/XXXX. 

My intended recipient sent an incorrect number to send the money to and caught it after we had already sent the transactions. 

Looking for the return of the {$500.00}. I have contacted both my bank and Zelle multiple times and have been bounced back and forth.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc. (NC)

ON XX/XX/XXXX I SPOKE TO XXXX EXT XXXX IN REGARDS TO TWO BALANCES SHOWING NEGATIVE ON MYAH CREDIT REPORT THAT I WANTED TO PAY FROM XXXX XXXX XXXX. THEY HAD HAD ISSUES WITH THE BILLING SERVICE THEY WERE USING AND FIRED THEM AND TOOK ON ANOTHER. I LET XXXX KNOW THAT I WAS PAYING THIS AND ASKED IF BY PAYING TODAY WOULD THEY REMOVE IT FROM MY CREDIT REPORT AND SHOW AS PAID IN FULL. SHE TOLD ME YES IF I PAID TODAY AND THAT IN 30-45 DAYS IT WOULD BE REMOVED. SO I PAID BOTH AMOUNTS # XXXX FOR {$460.00} AND # XXXX FOR {$370.00} AFTER SHE ASSURED IN 30 -45 DAYS WOULD BE REMOVED. I CALLED BACK ON XX/XX/17 TO FOLLOW UP AFTER HAVING MY REPORT PULLED ASND FOUND IT WAS STILL ON THERE. SHE SAID I NEED TO CALL THE CREDIT BOUROUGH TO HAVE IT TAKEN OFF AND THEY DO NOT DO THAT, I ASKED TO SPEAK TO THE MANAGER AND THEN THE ASSISTANT MANAGER ( XXXX - XXXX ) GOT ON THE PHONE AND PROCEEDED TO TELL ME THEY DO NOT TAKE ANYTHING OFF AND NEVER HAVE IF PAID OR NOT. THIS IS NOT WHAT WAS ORIGINALLY TOLD TO ME AND I FEEL LIKE THEY SAID WHATEVER TO GET THE MONEY AND PAYMENT. IT IS STILL ON MY REPORT AND AFFECTING MY SCORE GREATLY BECAUSE OF IT. WITH THE ISSUES WITH THE BILLING COMPANY AT MY DOCTORS AND THEN THE BIGGEST ISSUE OF BEING LIED TO TO GET TWO PAYMENTS AND THEN CHANGE THAT IT WILL NOT COME OFF ANF NOW IT IS MY RESPONSIBILITY TO REACH OUT TO THE CREDIT BOUROUGH IS DISTURBING. ALL I AM ASKING IS THAT THE PAID DEBT IS REMOVED. IT IS THE ONLY THING ON MY CREDIT REPORT. I FILED AS COMPLAINT RIGHT AFTER WITH THE XXXX AND NEVER HEARD A WORD BACK.
Consumer complaint received 2018-05-20
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: DISCOVER BANK (IN)

On XX/XX/XXXX, XXXX XXXX XXXX charged my Discover for {$64.00}. I previously cancelled XXXX prior to XX/XX/XXXX.

I called Discover around XX/XX/XXXX to file a dispute. I also called XXXX again. 
Discover denied my dispute on XX/XX/XXXX, I called again on XX/XX/XXXX and was told there was nothing I could do, even though I have documentation. The charge of {$64.00} remains on my account.
Consumer complaint received 2023-06-13
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. (CT)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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 an account without my written instruction. 15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of Identity Theft from XXXX documented from IRS, police reports etc. At the time when the ID theft occurred I had my XXXX account taken over which resulted in the subsequent unauthorized access to my bank accounts and other accounts. In XXXX I was paying TransUnion for there premium subscription to monitor my credit which also included Identity Theft Insurance. As I lost access to my XXXX and still have not been able to access again ( 3 years later ) I was not able to access my TransUnion account or receive any assistance from TransUnion. Essentially my subscription was for nothing. Moving forward I ended up with fraud in several existing accounts and fraudulent accounts being opened with my information. I reported the incidents to police, FTC, etc. I have contacted all the credit bureaus and have been working on restoring my credit which has been an uphill battle. TransUnion now refuses to give me online access to my credit for the REST OF MY LIFE. They refuse to give me anything stating the reasoning for this. I explained this is not helpful, this is hurtful and I need online access to my consumer credit account so I can monitor and continue to clean up the Identity Theft remnants. I placed a fraud alert originally with them XX/XX/2019 File number XXXX. The document I have from them after I filed this initial report states I should sign up for True Identity for XXXX XXXX XXXX yet they are denying me access to the free product. I have no issues with the other credit bureaus and have online access and XXXX XXXX across the board. Today I spoke with XXXX a supervisor at TransUnion Online Services who gave me the REFERENCE # XXXX and told me I have no ability to view or monitor my credit online at all. This is unjust and the opposite of what is stated in the Fair Credit Reporting Act rights of Identity Theft Victims Summary of Rights- that was mailed to me directly from TransUnion and I am writing this because I need access to my credit report online to monitor and have the ability to freeze/unfreeze my credit.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Carter-Young, Inc. (MI)

Carter-Young , Inc. , a collection company located at XXXX XXXX XXXX, XXXX, GA XXXX sent me one ( XXXX ) Collection Notice dated XX/XX/XXXX. The notice was for past due rent from XXXX XXXX, an offsite XXXX  apartment for XXXX  in XXXX, AL. I signed a seven ( 7 ) month Guarantor Addendum for the Lease Term of XX/XX/XXXX to XX/XX/XXXX. When the Paid-in-Full Lease expired XX/XX/XXXX, a new twelve ( 12 ) month Lease was completed without my knowledge and without a new signed authorized Gurantor Addendum from me for the new 12 month Lease term. Only the Resident signed the Lease with XXXX  XXXX. 

XXXX  XXXX stated that my expired Gurantor Addendum could be used regardless of the expired Lease term date and submitted my name to Carter-Young for collection. I wrote to Carter-Young explaining I only received one notice of this debt and the debt was not mine. Carter-Young sent the {$5400.00} debt from the new 12 month Lease to my credit report on XX/XX/XXXX.
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANKERS HEALTHCARE GROUP LLC (WA)

Debt collector made the following statements - There are no false statements here other than those made by the consumer. The client has reviewed the consumers claims of identity theft and have found there to be no merit. The consumer has repeatedly communicated with me via email, sending upwards of XXXX emails. It's apparently the consumer doesn't like being told that they applied for and used the funds they applied for and are being asked to repay the loan they made. We're not going to tolerate false statements being made against us. We've fully investigated this matter and find no merit to the dispute. The consumer can take the path of refusing to pay, but the facts are that the consumer applied for the loan, and received it. The consumer is likely going to send multiple CFPB claims solely because he doesn't like the idea of taking out a loan and not repaying it, and is now blaming another for his failure to repay the debt.
Consumer complaint received 2022-03-07
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. (FL)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.