davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (NC)

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

My home mortgage is scheduled to come out of my checking account on the XXXX of the month and has been since my mortgage started in 2009. It is sent by mail from NY to MD on the XXXX. Allof a sudden it is not getting there before the XXXX, which is their late date and I was charged on 5 occasions at {$110.00} each. Why all of a sudden they are getting there late. One was even posted on the XXXX of the month. We spoke to XXXX, our bank, and they said it should not take 10-12 days to get to Maryland from New York. I did speak to M & T Bank and they did reverse 2 late charges but I feel they should reverse them all. 

They wanted me to let them have access to my XXXX account to pay my mortgage but I do n't want that. I am going to change the date that it comes out of my account or I may send it by mail myself.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

This debt was disputed thru my insurance company and they recieved no response.I have had XXXX XXXX XXXX since XXXX.I submitted all crudentials at time of emergency room visit.This debt is 6 yrs old and has expired the time they can legally collct.I also disputed this thru XXXX  and recieved a email that the account was closed and would be deleted from my credit report.I never recieved any notification whatsoever in 6 yrs concerning any issues wXXXX having a problem w.payment.My insurance company never recieved any notification in referrence to this bill.I only became aware when contacted by commonwealth debt collection services.
Consumer complaint received 2020-06-30
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. (GA)

Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX  ( TU & XXXX  ) Address : XXXX XXXX XXXX  ( TU ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX  - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (VA)

Central Credit Services, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX sent me a debt collection letter for XXXX & XXXX XXXX XXXX XXXX, balance of {$170.00}. This was an erroneous charge of {$140.00} on XXXX/XXXX/2016, on my XXXX XXXX XXXX XXXX credit card, which I contested as a fraud dispute with XXXX XXXX XXXX on XXXX/XXXX/2016, and I cancelled that card. XXXX XXXX XXXX issued me a Visa card with a new number, which has had no erroneous charges since that time.
Consumer complaint received 2024-02-06
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2020-06-30
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (SC)

The following inquiries are unauthorized. 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 2024-02-06
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, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-02-06
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. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2020-06-30
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-06-30
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I had a closed, chargeoff account with credit acceptance corp. it has been showing a closed status since XXXX. In XXXX of XXXX, it now is open with two recent missed payments showing. This is trying to re-age this account, and that can not happen.I sent the company a letter about this over 60 days ago, but have not heard from them.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been attempting to place a credit freeze with Equifax do to their gross mishandling of my personal information. 

Their system via phone and internet methods, are reporting that credit freezes are 'not available ' when I attempt to activate my freeze. 

I called their customer service line at XXXX and was told that they are no longer offering credit freezes and I have to purchase their monitoring product. Florida state law allows me to have a credit freeze. They are breaking the law.
Consumer complaint received 2020-06-30
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. (OK)

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX  XXXX {$360.00} XXXX XXXX XXXX {$720.00}
Consumer complaint received 2024-02-06
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. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2020-06-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to XXXX XXXX XXXX XXXX. The letter also stated XXXX 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with XXXX XXXX XXXX I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of XXXX. I was advised their company was a mortgage company. I informed the employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XXXX XXXX never identified XXXX of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from XXXX with information about XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking
Consumer complaint received 2020-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WI)

For the past two or three years I've been on the income based repayment program which makes my payment {$0.00} dollars a month. I am still being billed for {$310.00} a month for unknown fees. I've tried calling but I never get through to anyone. I've been receiving this bill for two years now Starting XX/XX/19 to current. I don't understand what its for and why I keep receiving it.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Omega RMS, LLC (VA)

On XX/XX/XXXX I received an alert from XXXX XXXX that my XXXX Credit Report has changed. Upon logging on I see that there is a collection for a balance of {$3200.00} with an original balance of {$4000.00} from Omega RMS. This account was added to my credit report with the original creditor XXXX opened on XX/XX/XXXX. I do not or have not opened an account with XXXX and have not received any paper work from anyone in regards to this matter. This account does not belong to me and I want this validated, not verified bearing my signature showing that they have right to place this item on my credit report. I know my rights as a consumer and this company is violating them. I received no dunning notices on this alleged account, and have no idea what this is. I will be disputing through the Credit Reporting agencies as well and expect this item be deleted immediately. I have attached a copy of how this appears on my credit report from XXXX. No account numbers available other than XXXX. There is no supporting evidence that this account is mine and I want it deleted immediately or I shall be filing civil suit against Omega RMS.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

On or about XX/XX/2020 -- Buyer 's Attorney and Settlement Agent for the Transaction forwarded an incorrect Closing Disclosure to us as the Sellers, presumably from the Buyers ' Lender NJ Lenders Corp., in preparation for a closing to take place on XX/XX/2020. After multiple unsuccessful attempts to get the Closing Disclosure corrected, we received a revised Closing Disclosure on XX/XX/2020 via email the day before the Closing that was revised but still incorrect. 

The XX/XX/2020 Closing Disclosure did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction under funds Due from Seller at Closing was given to us for signature and this included many errors such as listing the Additional Deposit of {$43000.00} provided to us and held in escrow under the terms of the purchase contract as an " Excess Deposit '' on the Closing Disclosure and calculating those funds as going back to the Buyer in the line items for calculation of the Cash To Seller and the Total Due From Seller at Closing. 

The XX/XX/2020 Closing Disclosure also did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction was given to us for signature and this included many errors that also involved the {$43000.00} and gave the same result of the XX/XX/2020 document : erasing the entire amount of net proceeds due to the Sellers in the Calculations section. The XX/XX/2020 error was that the Buyer 's Additional Deposit of {$43000.00} to be credited to them at the Closing was listed as a Deposit Paid By Buyer under the Sellers ' Side of the Transaction. This was then calculated under the Calculations line items as Funds Due From the Seller and not The Buyer. The Funds for the Buyers ' Purchase are always Due From the Buyer, although the Seller is given the Deposit with the Purchase Contract to hold in escrow those funds are credited by the Lender to the Buyer for their mortgage and should NOT be listed in anyway as funds due from us, the Sellers. In addition, the Calculations shown at the end required the Seller to provide XXXX at Closing and the Buyer to provide {$430000.00} at the Closing. The Sellers should not be responsible for paying for their own house and there are errors. Please help us get these documents corrected.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (WA)

RE: Citibank Credit Cards;I had my account on auto-pay when something caused the payment to not go through (XX/XX/XXXX  payment was rejected); I was NOT notified via phone of the issue, as I had previously asked. I opted out of auto dialer several times as I do not answer solicitation calls and they do not leave proper messages. I had asked them to call only with a live person if there was an issue with my account. When I called in they told be they used the auto dialer, of which I never received a message from CitibankThey reported me 30 days late to the credit agency without proper notification of being late. I had even logged on to check the account (since they did this one other time) and there was no notification that the payment was late or that the payment has been rejected. I have pictures of the screen to prove it.  This is deceptive practices and I feel I have not been protected as a consumer. I feel they are intentionally not making it apparent that the payment is late to get paid fees and penalties. They intentionally made it difficult see the payment was returned! I checked the website after the payment was supposed to go in XX/XX/XXXX  and again inXX/XX/XXXXand the system gave no indication the payment had not posted. I only noticed because I had not used the card and the balance increased from fees. I was 55 days behind with no knowledge. I have perfect credit other than this creditor, including holding many other cards that have never had this issue.The shady part was the transaction and activity section did not show any returned payments or a fees until AFTER I closed the account and paid it off.  This is a BIG issue for consumers and I feel they need to be investigated for this.
Consumer complaint received 2024-02-06
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. (TX)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

I am very disappointed with PNC Bank not allowing any square up transactions to be deposited nor any other transactions at all. I was never informed why any restrictions has been placed on my account without my knowledge.please help find out what is the problems with my checking account.
Consumer complaint received 2024-02-06
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. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-02-06
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.