davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Refer to previous complaints. 
Again, we needed to lift our freeze for a couple of hours to allow us to have credit checked so that we can enjoy our constitutional right, our FREEDOM to do business. 
Events : Equifax login does not recognize our login password. 
We call Equifax - they verify my particulars and request we reset the password We reset the password - Equifax confirm that the password has been changed The login does not work *again* Equifax state that they have a technical issue and ask me to log in after two hours After four hours, I try login. Failed. 
I call Equifax - they want to check my credentials which start with asking SSN, birthday, etc..and then ask " at what date that you last lifted the freeze on your account? '' - I do not know! Equifax refuse access and ONCE AGAIN insists on PAPER PROCESS.. 
AGAIN - THIS IS AN WILLFUL OBSTRUCTION OF OUR CONSTITUTIONAL RIGHT TO DO BUSINESS. We can not proceed with our business unless we submit to a two week (? ) delay to ACCESS OUR DATA that EQUIFAX collects and then monetize. 

LAST POINT : - Equifax now insist that we fill in a form with our Name, Address, SSN, Birth date and SEND THIS INFORMATION BY MAIL! By MAIL? This is sensitive information we DO NOT SEND BY MAIL to NOBODY?
Consumer complaint received 2024-02-28
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (MD)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX DEPTEDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (AZ)

My wife lost her job of 18 years in XXXX of XXXX due to the Covid Pandemic. In XXXX of XXXX we entered the Cares Act Forbearance Plan with our VA home loan. We have since exited the Forbearance Plan and have made our XXXX & XXXX of XXXX mortgage payments. 


In discussions with our Mortgage Servicer ( XXXX XXXX XXXX XXXX ) about repayment of our missed loan payments while in forbearance, we had made an agreement on XX/XX/XXXX that we would use the VAPCP Program ( VA Partial Claim Payment Program ). Wherein the VA purchases the forbearance period missed payments and places them in a second lien on the home, which is interest free and payable when the property is sold. 


On XX/XX/XXXX the servicing of our loan, not the loan itself, was transferred to PNC Bank. We have come to find out they will not honor the agreement made with our previous servicer nor will they consider the VA Program as an option. ( verified in recorded phone conversations ). 


They are attempting, with the threat of foreclosure, to force us into filing a Hardship Assistance Application. This in itself would be fraudulent because we are not in a financial hardship situation. This Hardship Assistance Application is 16 pages long and is very similar to a new loan application. If we comply, it will give PNC Bank the right to dictate the manner in which the missed payments are paid back. This is entrapment. 


Through XXXX telephone conversations ( most recorded ) we have determined that their end game is to do what they call a " XXXX XXXX ''. In reality, it will be a new loan because it will have a new total, a new interest rate, a new term length, and of course new fees. 


First, this enables them to add the missed payments into the entire length of the mortgage which will greatly increase the loan. As an example of which, early on, our former servicer attempted the same thing. They upped the interest rate and added XXXX years to our loan, which equalled approximately {$110000.00}, to repay the missed payments which were {$32000.00}, an {$87000.00} fee to borrow {$32000.00}! 


Secondarily, they will now be able to sell the new larger loan and get a big payday because our home has doubled in value, making the loan more lucrative to an investor. 


In summary, If PNC Bank wanted to be simply paid back, they could use the VA XXXX XXXX XXXX, which we chose, and have their money overnight. It is outrageous that a XXXX XXXX Bank, bailed out in XXXX to the tune of XXXX XXXX taxpayer dollars, is using this XXXX economic tragedy to rip off the " little people '' that, back then, saved them.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have got the Fifth Third XXXX regarding checkin account where they were offering {$600.00} if i will meet the terms and condition. I have opened the Checkin Account with Fifth Third with the promotion of {$600.00} on XXXX and Baker " XXXX XXXX XXXX applied the code in system and give the print of code confirmation. I maintain my account balance as XXXX for more than 90 days and got direct deposit of {$1000.00} within 60 days. I was supposed to receive the promotion bonus of {$600.00} after 90 days of account opening. It is being more six months where my account is opened and i didnt receive any bonus so far. 
I tried to spoke with banker and they told that since she forgot the send the flyer to their head office that is why i didnt receive my bonus and promise me of getting promotion amount asap. It is being more than 3 months when i spoke to banker i didnt receive the bank. Later on Banker went of vacation and ask me to talk to Bank Manager " XXXX XXXX ''. I tried making lot of call to her and leave voice messages but didnt receive any repose from bank. 

I went bank three to four times but sometime either baker is not available or sometimes branch manager is not available. 

I am attaching 4 month of bank statement along with promotion receipt to defend my case.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, Company Inquiries : Company Inquiries 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

In XXXX of XXXX, I was granted a COVID hardship forbearance. Shortly after it was granted, we were informed that our payment would be doubled, from ( roughly ) {$1200.00} per month to {$2700.00} per month and that a lump sum payment would be due upon the completion of the forbearance period, which was 6 months. 

During the forbearance period, I continued to get billed at the new doubled rate. At the end of the 6 months, the indicated I needed to pay them close to {$17000.00} or face foreclosure. I balked. I requested a review and also that my payments be reduced to the amount I was paying pre-COVID. We exchanged several letters and they ultimately indicated they had, Granted me relief! Their idea of relief was to double the double and want me to pay them {$5500.00} per month ( more or less ). They indicated if I did this for one year, I, d be good and could keep my house. 

I am keenly aware of the Cares Act and its prohibition of lump sum payments if one has been granted a hardship during COVID. I am confused as to why they are doing this! I am now some {$37000.00} ( more or less ) in arrearsaccording to them. And, I have most recently received a letter indicating I must pay the loan off by XX/XX/XXXX or face foreclosure! 

The company I get billed by is Select Portfolio Serviicing, Inc. You should note this company touts themselves as a Mortgage Sevicing Company . The reality being, its a fancy title for a collection agency. They harass my wife and I relentlessly! They even send an individual to our house, monthly, to drop a flyer on our front doorAND THEY CHARGE ME TO DO THIS!!!!! 

Their address is SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

They will avoid answering directly and be vague. They will further tell you they simply service the account. 

SPS will indicate the current owner of the mortgage is XXXX Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  New York, NY XXXX. They DID NOT PROVIDE me with an account number. Nor did they provide me with any documentation indication when this company acquired the mortgage and they certainly didnt provide proof they were acting on behalf of this company! 

In addition, at the time of the COVID forbearance, and according to SPS, the mortgage was owned by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, DE XXXX. They provided the following numbers, CSMC XXXX. I do not know if this is an account number or not. Im not even sure when this bank acquired the mortgage. 

Please help. I feel as if I have tried to get help/relief from SPS numerous times and that they have ignored our requests or made it virtually impossible to solve the problems. Ultimately we believe they are simply trying to steal our property, a property we have lived on for over 23 years. You should also note, our loan HAS NEVER GONE DOWN..it has increased every single year!!! How does one defeat that?
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (FL)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
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: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2021 I submitted a debt validation letter to Santander Consumer USA. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/2023 - I went to Lowes to buy fencing. I see advertising for their store card saying 20 % off your first order on your Lowes credit card. So I decide to go home so that I can unfreeze my credit in order to apply for the card. I apply for the card and all it says is 20 % off your order. I am immediately approved for the card. I put all the items into my cart and check out using the discount code emailed to me. The email is my temporary card details and says in big font 20 % off. Nowhere on the email does it say there is a limit on the discount of {$100.00}. The limit of {$100.00} was not made expressly clear anywhere throughout the process. 

Had I have known there was a limit of {$100.00} I would never have opened the card or used it to pay for the items. I would have used one of my other credit cards that has actual benefits and points. This now means I opened up a credit card I did not want, was not advantageous and has falsely advertised the benefits meaning I missed out on really benefits of a card I already own. 

XXXX  - I called Lowes credit to complain about this on receipt of my items and seeing that I was charged the full price less {$100.00}. They told me that the only thing I could do is drive to the store that the items were ordered from ( quite far away ) and see if they could possibly refund me the whole amount so that I could pay on another preferred card. I call Lowes customer service and they said it was unlikely that this is actually possible as the order has been already fulfilled.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (AZ)

I had a account with BBVA Bank ( now PNC ) and was charged 2 times for a XXXX bill I never tried paying I didn't have the money in my account and was put in debt and charged over draft fee I talked to them about it but they wouldn't help me.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the equifax data breach and would like these errors removed from my credit profile as soon as possible.
Consumer complaint received 2018-03-07
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. (NY)

this unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo failed to provide outstanding relief in the amount of {$400.00} which was fraudulently stolen from me without my permission or my knowledge. 

Wells Fargo failed to verify the debt alleged before charging my account in the amount of {$400.00} on XX/XX/2017. This amount was the result of a series of FRAUDULENT attempts by an unknown party to which I have no business and have not obligations. 

I disputed several transactions by XXXX XXXX car between XX/XX/2017 and XX/XX/2017 and every single time Wells Fargo agreed to return my funds, Wells Fargo allowed the fraudulent parties to again steal funds from my account without verifying any alleged debts. 

Wells Fargo agreed via CFPB case # XXXX and XXXX to return all funds owed related to the fraudulent requests for payment from XXXX XXXX car company. However, after returning funds related to my initial disputes, Wells Fargo allowed the company to charge {$400.00} from my account under the guise of " adjustment '' line item ( XX/XX/2017 ). These funds directly related to the closure of my credit account and the extreme damage that has ensured since Wells Fargo began reporting negative remarks on my public profile and credit accounts. As a result of the damage this credit account has had on my ability to find transportation, stable housing, and business opportunities ; I have been homeless for more than 6 months and have been diagnosed with XXXX XXXX XXXX and XXXX. 

I am nearly at my wits end with the damage began by Wells Fargo inconsistent and inaccurate reporting and accounting. My health and wellness are in jeopardy if I am not able to escape the dibilitating stronghold Wells Fargo has placed over my life.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2022-01-10
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$130.00}