davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$510.00}.
Consumer complaint received 2017-09-17
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ms. XXXX Mail Equifax XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent four ( 4 ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 
These accounts are XXXX XXXX Acct # XXXX, XXXX-XXXX Acct # XXXX, DOCUMENTS ATTACHED!! I 've had contact with these companies and you are in direct violation, as pertains to the XXXX account you 'll see the conversation with them ... .. I DO NOT HAVE A XXXX ACCOUNT! 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, Ms. for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
I anticipate your response. 

Sincerely, XXXX XXXX XXXX XXXX Last XXXX DOB-XX/XX/XXXX Report # XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm anxious and feel afraid that I notice several fraudulent accounts on my credit report. I attached supporting documents to get remove these accounts on my credit report. I don't have knowledge nor consent regards to this account
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (CA)

Same thing happened to me! They said that I had to file a claim AFTER the purchases cleared! I got a hold of the company where the purchases were made and they refunded the money as I caught the transactions the day they were made. So, I got the refund, but my card was cancelled due to fraud. I paid the {$20.00} to have it expedited with 2 day delivery. It has now been 4 days and still no card. Not only that, but now I can not get a hold of a live person because my card has been cancelled. When I select the option to see the status of my new card, it says they temporarily can not help and it hangs up I honestly think that someone has hacked their computers because I am finding a lot of people have had their accounts drained by fraud in the last month.They said it was probably because I have used my card online to order things. But, I have NEVER used my card for any online purchases!
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (OH)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2019-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK (CA)

My wife and I agreed to a loan from this company to help us get out of debt and pay off some creditors quickly. We were referred by a sister company, Freedom Debt, whose program we were in at the time. While reviewing documents of the loan with the rep from XXXX  XXXX he went through everything at a pretty rapid pace until we got to the TIL ( Truth In Lending ) where he slowed way down. He covered the payment, the loan amount, the fees and made sure that we understood that the outstanding credit card debt was based on estimates and the amounts could change which could affect the maturity date of the loan. The fees and costs other then the actual credit card payoffs we understood would not change. After payoffs were negotiated with the outstanding credit cards the loan funded and we received the final numbers from the company. A couple of the cards were a bit higher then the estimated payoffs but we were ready for that and it was not an issue. What is an issue is that additional fees were added as well. Those fees are almost {$3000.00} more then what we were quoted from the TIL. I called customer service immediately and was told that the information was in the documents and available all the time. Again, the documents were explained to us page by page by the rep who signed us up for the loan, and as stated earlier everything with exception of the estimated payoff amounts and maturity date would remain the same. The additional fees were not mentioned by the rep or the time was not spent to confirm our understanding. Buyer beware, this product is costing us more then the credit card balances combined when we entered the program.
Consumer complaint received 2019-11-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (AL)

Discover Home Loans  advertisers a process in which to prequalify for a HELOC rate on their website with no affect on a consumers credit file. I went through the process and got to the point where it said, Congratulations, you have prequalified for XXXX  and almost immediately received multiple text messages and emails from credit monitoring sites that a hard credit inquiry was pulled by Discover. This is completely opposite what was stated on their website about prequalifying for a rate and has  now added an unwanted and unauthorized hard inquiry on my credit files. I spoke with a home loan officer this morning to express my displeasure in the bait and switch advertising of their site and she refused to do anything about the hard pull inquiry. This is wrong to advertise one way with NO AFFECT on credit but then go through their process only to get hard credit pulls. I requested they remove the hard pulls and she declined saying there was no method to remove them.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-08-09
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. (AZ)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious 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 XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I am writing to log a formal complaint against XXXXXX/XX/XXXX regarding online access to my Checking and Savings accounts. During the week of XX/XX/XXXX XXXX I do not remember the exact date ), I made several mobile check deposits to my savings account from legitimate institutions where I had closed my accounts recently. Upon making those mobile check deposits, I have been locked out of my Checking and Savings account access online. I have called HSBC numerous times to get this matter resolved and no longer wish to waste any more time dealing with them on a matter that has still not been resolved after a week of complaints. Because I have no visibility to what has and has not cleared on my accounts, I am not certain, but I am trying to retrieve approximately {$1400.00} that I have in both accounts. All I want is assistance in retrieving all of the funds owed to me and closing my accounts with this bank for extremely poor customer service and illegitimate holds on my account access.
Consumer complaint received 2019-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (CA)

Hi recently paid off my loan to BarclaysUS ... I did this online for the amount of {$4500.00} and selected to pay off loan and was given a payoff amount, so I paid off the amount. This morning at XXXX XXXX  I receive an email stating my loan paymnentin the amount of {$150.00} is due on XX/XX/2019. 

So I called and spoke to Ms. XXXX and was told that I had to go online and stop the auto pay and that it wouldn't do it itself. I told her that it wad my intention to pay off the loan and that amount was the payofff amount I was given online. She said I have a balance of XXXX cent. XXXX cent would cost me {$150.00} until I paid my loan in full! 

I don't believe this business practice and need help to fix this. 

Barclays XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

You have the wrong social security number for me!! I was using a service to repair my credit and they brought it to my attention. The one you have on file is incorrect.
Consumer complaint received 2019-11-11
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 (FL)

XXXX XXXX XXXX Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XXXX  Of Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

TD Bank N.A. 
Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/202XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Consumer complaint received 2023-02-08
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX/Wells Fargo is very misleading and has been giving me the run around about a payoff amount. I'm being charged extremely high interest and always promised to receive a payoff amount in ten days. This had been going on for the last year with no resolve. I am past frustrated and it seems that I can't get any help! They sent my info to the wrong residence and also added another wrong email to my account ( compromising my info ) which I NEVER gave them. I now have a derogatory mark on my credit report and I have always paid on time, NEVER LATE!! I need assistance, PLEASE HELP!!
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no successful resolution. Experian, XX/XX/XXXX, and XX/XX/XXXXreporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2022-08-06
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: BETHPAGE FEDERAL CREDIT UNION (PA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. Beth Page Federal Credit Union has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KS)

Issue # 1 : My replacement card was lost in the mail. I wasn't notified that a replacement card was on the way. I called on XX/XX/XXXX asking when my replacement card was sent and I was told it was sent on XX/XX/XXXX. I said I never received it and I was told a replacement card was sent. I asked if there was some kind of tracking information that could be provided, I was told there was none, only to look out for the card in 7-10 business days. Given the security risk that the first card was already lost and that my card was expiring, the new replacement card should have been sent through courier or at least priority mail so a tracking number could have been provided. Also, given that my previous card can no longer be used since Synchrony closed the card, an expedited shipping should have been provided.

Issue # 2 : My provider ( XXXX  ) used the wrong type of preferred payment, one where there is a lower interest rate but no period of repayment. There was a misunderstanding in the set up of the loan because my provider does not allow people inside their premises due to covid. I asked if there was a way to change my preferred payment option. I wanted a deferred payment plan with no interest and a fixed amount of time to pay. I was told I had to go back to my provider. It is my understanding that the credit card company fronts the payment to the provider and the repayment is between the credit card company and myself. So I don't understand why the terms of payment can not be changed with the credit card company. Is there a way this can be done?
Consumer complaint received 2019-11-11
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: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX  Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

Barclays Bank XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.
Consumer complaint received 2021-08-16
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. XXXX & XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Upon closing XX/XX/XXXX, my county taxes for XX/XX/XXXX were estimated to be {$1200.00}. A supplemental form was mailed to me for the correct acreage of my home, so the actual amount owed for my XX/XX/XXXX county taxes was {$1300.00}. 

I sent this supplemental *correction* form to my mortgage company and asked them to tell me what I should do with it. Instead of responding, they mailed a letter saying they'd paid the supplemental taxes. This was in XX/XX/XXXX. 

My Annual Escrow Account Disclosure Statement shows that ANOTHER disbursement for {$1200.00} was made for county taxes in XX/XX/XXXX, bringing my escrow to a negative amount of - {$1700.00} somehow. 

I have been calling and emailing and faxing this company for several weeks to no avail. I checked with my county tax assessor to be sure, only one payment was due and paid of {$1300.00}. 

My mortgage payment is due tomorrow and I'm very worried. I am continuing to call the company for help, but I never get the same explanation twice. I've been told they can't even see the escrow disclosure statement, and they've asked me to fax it over TO THEM, when they are the company who mailed it TO ME. I can even log on to my account and see the same form. No one seems to know what I'm talking about. Please help. 

My monthly payments have now gone from {$790.00} to {$940.00}, which will be a struggle for me.