davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Again, I do this. I wish you have a way for us to draft any case we start. I have to start this all over! 

XXXX had not removed or updated my information. Again, I said I never order anything from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recent new one in XX/XX/year> from XXXX XXXX XXXX What the heck?! I had no desire to buy anything onnXXXX XXXX! I am puzzled! XXXX needs to stop assume thinking I asked for somethign. I did not! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was paid on time. No information in my credit report. Another, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was not mentioned neither. Paid onntime for the space on time! XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX was also not mentioned. I paid for the room on time! 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX was not apt I lived at! It was only mails to arrive n for me to pick up. 

Lastly, XXXX and 2 other bureaus assumed so poorly. That is why I suggest you to shut down all 3 bureaus! XXXX said since I lowered the loan, it affected my credit record. What?!?!?!? It is XXXX XXXX who ripped me off by selling me a lemon truck! I asked them to refund and they did not, but for some unknown reason, the loan reduced. They never communicated with me. Though here is the proof of cancelation request form that I asked them for since they sold me a lemon truck and death of my service dog. 

XXXX needs to stop assume and allowd all other affect my credit record. To my knowledge, I dont know why XXXX reduced. They were aupposed to give me a check of over {$5000.00}. XXXX did not add more positive points. It slowly raised and is unacceptable. XXXX and other bureaus are biased and always had been.
Consumer complaint received 2017-06-09
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. (VA)

The following invalid inquiries are reported on my Transunion  Consumer Cr edit Report :  XXXX   XXXX   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX   XXXX , regular inquiry,  XXXX / XXXX /   2016  I have contacted the companies to have them removed!
Consumer complaint received 2024-02-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing against your company for failing to address inaccuracies on my credit report. Despite multiple requests, you have neglected to investigate and correct the errors, which is a violation of the Fair Credit Reporting Act. This is my final request for you to comply. The account in dispute is XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (GA)

I have exhausted all administrative remedy to try to work with SunTrust Mortgage, Incorporated. Per, the steps that were taken with honor, the note has been fully discharged and the funds were resent and accepted by SunTrust Mortgage, Incorporporated Payoff Department on XX/XX/XXXX to discharge the debt. The funds were not returned and SunTrust Mortgage, Incorporated agreed to the terms and conditions of the Notarized Legal Affidavit of Fact With Lawful Writ of Directive and Terms of Use of Agreement, dated XX/XX/XXXX ; which was sent certified mail via United States Postal Mail. 

The alleged 'Trustees ' of SunTrust Mortgage XXXX Incoporate has initiated a wrongful foreclosure with a sale at an auction dated XX/XX/XXXX in XXXX County , Georgia . SunTrust Mortgage, Incorporated can not : - prove it owns the original promissory note - didn't act in compliance with state mediation requirements ( publication of the notice of sale ) - did not follow state-specific foreclosure procedures - provide all journal entries regarding the alleged loan Documentation that has been published for 'public record ' have been balantly ignored by SunTrust Mortgage, Incorporated. The company has the documentation plus more that was mentioned in this complaint.
Consumer complaint received 2018-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MA)

This is my first time disputing this matter i have an account open on my credit report that i gave no authorization to be on my report. I do not owe any dept from this place not sure what it is exactly or whats it for. The account was opened XX/XX/XXXX an is still on my account as of XX/XX/XXXX. I have disuted a previous charge on my account with a similar balance of XXXX dollars that was owed but i have resolved that issue due to a family member claiming my identity. Im thinking this is also there dept
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

On XX/XX/XXXX I logged into my Amerihome Mortgage online account and entered 8 payments. I received confirmation numbers for each payment in separate emails. On XX/XX/XXXX I noticed that only one payment was debited from my bank account. I called Amerihome Corporate office and was transferred to customer support, who told me that although I had payment confirmation numbers, only one payment would be processed and the others were canceled. I was allowed to enter these payments and I did not receive emails about the cancellations. I then asked for and received payoff information and was told that I would receive a fax with the same information within two hours.After two hours I called back to see where my fax was and requested an email with the payoff information as well. I was told the email would arrive within 24 hours. It has now been 24 hours and I have not received either the fax nor the email. I do not trust Amerihome and would appreciate cfpb involvement so that I can payoff my loan.

Also, the information about my loan on the Amerihome website is incorrect, showing incorrect interest and principal amounts.

Thank you
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (NC)

My credit union has tried to pull my credit report from Equifax but was unable to because of some kind of freeze or lock on the report. I have spent over two hours over two days trying to communicate the problem with their customer representatives but have had no luck. I have asked for a supervisor twice because the representatives are from another country and barely speak XXXX and only can read off of a script. Since the credit union can not access my report they are unable to complete the loan request. 

Equifax needs to fix this problem,
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-02-19
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. (FL)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I received an alert of debt collection on my credit by XXXX. XXXX XXXX is Credit Systems International with the amount of {$890.00} the person who stole my identity had my social security number and date of birth and they opened a utility service with XXXX XXXX.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

Within the last 3 weeks, 3 separate bank accounts were open fraudulently under my name ( 2 accounts with Wells Fargo and 1 with XXXX XXXX ). I placed a fraud alert with XXXX initially but it happened again. What else can I do to take care of the problem?
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is allowing transactions to post even when an account has a negative balance so they can collect NSF charges. A honest bank would deny the transaction ( s ) preventing customers from being charged a NSF fee. This remedy is better than me having to call and demand the fee reversal.
Consumer complaint received 2017-09-13
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. (OK)

This is due to the equifax security breech. This company needs to be held accountable for this breech as it has the potential to ruin thousands of XXXX lives. There needs to be serious discussion about the regulation of these companies. I find it absolutely ridiculous that we the public, have to pay to freeze our credit due to the ineptitude of these companies. This service should be free of charge, even more so now that our information has been jeopardized. XXXX 's website seemed to be pushing a product, instead of informing the customer that a security freeze was in their best interest. They are preying on ingnorance and this is unacceptable. I 'm sure you will get more complaints such as this, and I hope you listen. There needs to be a change with how these companies are delt with.
Consumer complaint received 2017-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted transunion and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Consumer complaint received 2018-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...
Consumer complaint received 2023-01-09
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. (TX)

TRANSUNION AND XXXX FAILED TO SEND AN UPDATE AFTER MORE THAN 30 DAYS. I SENT LETTERS ON XX/XX/22 INFORMING THEM OF UNAUTHORIZED INQUIRIES AND THEY IGNORED MY LETTERS AND CONTINUED TO REPORT THE INQUIRIES. I HAVE FILED A FTC COMPLAINT BECAUSE THESE WERE NOT AUTHORIZED BY ME. I WILL ATTACH THE LETTER AND FTC COMPLAINT. DELETE THE INQUIRIES THAT ARE LISTED IN THE LETTER FOR INACCURATE REPORTING AND BECAUSE YOU HAVE FAILED TO REPLY IN THE TIME ALOTTED. THE LETTERS WILL BE DATED AND TIME STAMPED FOR YOUR REFERENCE.
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
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. (NV)

Requested investigation of error collection account on file from credit bureaus. 

No knowledge of fraud account and fraud Victim. 

XX/XX/2023 {$690.00} XXXX
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (SC)

I have been trying to link my account to several apps and or banks to have full control over my financial situation. XXXX, XXXX ( XXXX XXXX ), XXXX, My bank at XXXX, all offer online account access via online banking and can link accounts with your login, as long as TD allows the 3rd party access. I have contacted TD about this issue 4 separate times, 3 times calling them, and once in person. Every time they assure me that they allow 3rd party account access and recommend using one of their " approved apps ''. I want and have the right to be able to access my financial data.
Consumer complaint received 2018-01-27
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. (AZ)

I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three,  XXXX was the most responsive. XXXX   began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock Equifax and XXXX credit reports. I'm still unable to successfully use XXXX XXXX through the HTTP// : XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and Equifax customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and Equifax customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they Equifax and XXXX included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I applied for a credit extension and gave them my ssn. Once ace cash express accepted my application they have now entered into a fiduciary relationship with me and have to act in my best interest. Since banks cant loan out their own stock pursuant to TITLE 12 USC 83, where could the money possibly come from. They are obligated to compensate me for the use of my SSN, since I havent received any benefit it is now an unauthorized use.
Consumer complaint received 2019-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I went to XXXX XXXX in XXXX Ga in XXXX of 2018. I originally pawned my title at XXXX XXXX and fell behind. XXXX XXXX bought out XXXX XXXX. XXXX XXXX gave me a new loan and payments at XXXX monthly for 24 months. I was making monthly payments until I lost my job. I fell behind and they would not work with me with my payments. They added outstanding late fees & interest rates went up. I've made XXXX towards the loan and they still want work with me. The only option they are offering me is to return my vehicle. Please Help. Now they say the balance is XXXX