davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2018-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

My mortgage company is Selene Finance unfortunately. I have not received a monthly statement from them Since XX/XX/2018. I have called several times and e-mailed their customer service. I have contacted them in one form or another XXXX, XXXX, XXXX and XXXX. They always give me an excuse that they are having technical problems processing statements. I have been sending to their original address my payments/check with a note/account # attached. 
I now have property taxes due that usually get sent to them to put in escrow. I am at wits end! Please Help! Are they breaking the law refusing to send me monthly statements? 

I am not in bankruptcy and have never missed a payment! I am not computer savvy, please tell me where I can seek help. 

Thanks
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I made a call to Equifax in regards to my credit report being locked due to suspected fraudulent requests. After speaking with an agent, we were able to resolve the issue over the phone, or so I thought. Today, XX/XX/XXXX, I attempted to run my credit for an auto loan, and my report was locked again as a suspected fraudulent request. After speaking with an agent today, it appears that Equifax failed to follow up on my last dispute or correct the wrong information. In fact, their agent changed my name to something completely incorrect on XX/XX/XXXX. 

My legal first name is XXXX, XXXX XXXX and last XXXX. Equifax 's agent appears to have changed this to ; first " XXXX XXXX, middle " XXXX '', and last " XXXX '' When requesting that this issue be resolved, Equifax simply stated that this change was requested by me on the XX/XX/XXXX. They refused to follow up on my dispute and refused to provide me with additional information, that would support I requested this change.
Consumer complaint received 2021-07-10
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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC (TX)

on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (PA)

I found out somebody used my name and Social Security number to open a checking and saving account with PNC Bank. I contacted the bank and let them know this was fraud and had the account closed however they refused to give me any information about the person who open the account. They have a photo ID of this person on file and they said it is definitely not me but it has my maiden name on the ID but the rest of the information on the does not match my real information and because of that they could not give me any information from the account even though I brought my drivers license, my Social Security card, my birth certificate, and my marriage license. I even reached out to corporate and was told they cant do anything. That is absolutely ridiculous!
Consumer complaint received 2021-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.
Consumer complaint received 2022-07-28
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: Convergent Resources, Inc. (LA)

A certified letter was sent to Convergent Outsourcing on XXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Convergent Outsourcing has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-07-10
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. (AL)

My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.
Consumer complaint received 2022-09-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I reported the XXXX  account on my equifax account as a violation of code 15 USC 1681B Permissible Purpose. This account is fraudulent and violates this code. It has passed 30 days and this issue has not been answered however the other letter to verify the info was answered and I have copies.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC
Consumer complaint received 2020-11-05
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: ID Analytics, Inc. (GA)

I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I applied to refinance my grandmothers mortgage at the end of XX/XX/XXXX because she has a reverse mortgage that is eating away at her homes equity. I applied online with Navy Federal as her POA. When the loan officer, XXXX, was assigned, I called her directly and left her a detailed message about who I was and why I was applying. She called my phone on XX/XX/XXXX @ XXXX pm asking for my grandmother to call her back. I called her back immediately & she didnt answer. Again, she didnt call me back. Even though she never responded to me, I could still see the progress of the loan that she pushed forward. Every time I got an email asking for something, I immediately uploaded it or responded to it. It just got sent to underwriting a few days ago & today I received a denial package stating that they couldnt verify her identity, credit info, and that her application is incomplete. I am completely confused because no one has called me at all asking for info or trying to verify anything. XXXX only called once & she never responded back to my requests to call/email me back. I placed a credit freeze on my grandmothers credit reports to keep others from being able to open anything in her name. It was lifted when I first applied and for a week afterwards. They were able to pull her credit at least once!!! So, when I got the denial info today, I emailed XXXX and attached the POA that Navy Federal already has on file, my grandmothers ID, and my ID. I also lifted the freeze again for them for a week. They are denying her due to age. Her credit is perfect because I handle her bills, and their mortgage staff does not seem to recognize the powers I hold from being her POA. I gave them everything they needed & they have not communicated with me outside of sending things that needed signature through the portal. No phone calls or direct emails. I asked XXXX how to appeal this denial and, again, no response. I gave her all day to reply before filing this complaint. My grandmother has XXXX and can not handle her own affairs, so they will need to speak to me. I am not accepting the reasons listed for the denial because they were able to verify her ID ( identity already verified before by Navy Federal ), her credit info ( they pulled her credit already & I even had to pay a fee for them to do so ), and incomplete application ( nothing at all was showing in the tasks because I complete them as soon as I get the email alert ). They are making up reasons to deny her when the only issue is her age. I dont even live in VA XXXX so I dont know why me handling this for my grandmother is causing an issue. I handle everything for her. They are simply discriminating & choosing not to honor the POA.
Consumer complaint received 2022-09-29
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (DC)

On XX/XX/2022, I filed Complaint IDXXXX t with the CFPB because of several mistakes made by Truist Financial in the administration of my checking account. 

On XX/XX/2022 I received instructions from the CFPB portal to contact XXXX XXXX XXXX, Client Resolution Specialdistat Truist Financial at ( XXXX ) XXXX. 

From XX/XX/XXXX until XX/XX/XXXX I left 8 phone messages for XXXX XXXX at the number that I was provided and heard nothing until I received a letter from her dated XX/XX/2022 but postmarked XX/XX/2022. 

In her letter ( attached ), XXXX XXXX pointed out another time that Truist Fiancial had mishandled my account and she suggested that I request monthly bank statements from them. 

Truist did not resolve my problem and I was unable to speak with XXXX XXXX, despite that being the solution provided by the CFPB.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instruction 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 XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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)

On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named XXXX, the attatched is not evidence of indebtedness. please delete from my report
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

In XXXX I was late paying my phone bill and as a result my bill was tuned off. The phone company XXXX XXXX XXXX never informed me that thy were sending me to a collection agency nor did the collection agency, Enhanced Recovery Company, ever contact me. I only discovered it was sent to collections when pulling up my credit report. I paid it off. Also, after paying they have reported this account has not been paid in full which is inaccurate. My dispute is with notification with XXXX XXXX XXXX and ERC and the false reporting.
Consumer complaint received 2021-02-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NY)

I am writing to request your help. My rights as a consumer are not being respected. I try to solve this issue with Wells Fargo in the past but they keep on reporting a fraudulent item to the credit bureaus. The account I am talking about is the following : WELLS FARGO DEALER SVC # XXXX. Date Opened XX/XX/XXXX. Original Balance { {$11000.00} XXXX. Status : closed. Wells Fargo received a letter from me back on XX/XX/XXXX ; in which I requested the fraudulent account that is a consequence of FRAUDULENT CHARGES to be Deleted from all credit bureaus. They did not send me any notice and they are still reporting the item. They are committing multiple violations to the FCRA : negligence, unfair business practices, breach of contract, incorrect credit reporting. This situation is affecting my mental health in a huge way and my ability to obtain credit. I am demanding a deletion letter from Wells Fargo so the fraudulent car loan on my Credit profile accounts get Deleted from my credit reports and Profiles. If Wells Fargo fails to provide the deletion letter, I will not hesitate and will file a lawsuit. I am sure that once I speak to my attorneys ; the list of violations will go up. Attached letter sent to WF, which they ignored.
Consumer complaint received 2022-09-22
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. (NV)

I have been a victim of identity theft and my information was found on dark web and XXXX data breach. I demand this XXXX XXXX XXXX account be removed from my credit report its fraud the law prohibits fraudulent items from being placed on my credit report. I'm in the middle of purchasing i need to have this removed immediately. This is a violation of my consumer right to privacy and defamation of character lawsuit will be assessed if this account is not removed XXXX per violation. 

I have attached my FTC REPORT FOR YOUR REVIEW THIS ACCOUNT SHOULD NEVER SHOW UP AGAIN ON MY CREDIT REPORT. FAILURE TO REMOVE WILL COST {$1000.00} PER VIOLATION 15USC 1681 A, B, D
Consumer complaint received 2021-04-01
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: LEXISNEXIS (NY)

I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public
Consumer complaint received 2021-03-31
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (MI)

I made 3 separate purchases with my card from ALLY bank. These were all from the same merchant XXXX XXXX XXXX. The first purchase was for {$570.00} on XX/XX/2020. The second purchase was for {$2100.00} on XX/XX/2020. The third purchase was for {$2900.00} on XX/XX/2020. These purchases were never received or even shipped out. I was billed for merchandise I have never received. Under the Fair Credit Billing act, I am legally allowed a reversal of the charges from these funds since I have never received them. I opened a dispute with my bank ALLY and they never allowed me to talk to the dispute team one time to explain my situation. They denied my dispute and did not give me any funds back. I was unfairly billed for merchandise I have never received. I contacted the merchant several times and was only given a response one time. The merchant said " We have responded to your dispute in order for you to win what is a valid dispute. '' Ally then sent me a letter a month later in late XXXX stating that a refund will not be given. I have been trying to call Ally for a month now in order to reach the dispute team but have failed every time. I have taken all the actions necessary to win this dispute. Ally is not helping their customer at all. I would really appreciate if someone else could step in and investigate. Thank you.