davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (FL)

I was made aware of these accounts being fraudulently opened in my name in XXXX. I have reached out to Transunion to have these accounts removed from my credit report. I have sent several letters to TransUnion with the required documentation to establish identity theft, but TransUnion has failed to properly investigate and remove these accounts. TransUnion has caused me great harm by damaging my credit reputation. Under FCRA, TransUnion is required to remove these accounts once an identity theft claim has been established. The accounts listed below were opened fraudulently : XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$3500.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Opened : XX/XX/XXXX
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (SC)

On XX/XX/XXXX, I notified Guild Mortgage Company that I changed XXXX XXXX XXXX and sent them verification, which they acknowledged on their website, showing the reduced amount of Homeowners insurance. 

Guild stated that they sent me the check for the old XXXX XXXX XXXX  and to send it back to them so that my account can be properly credited and reflect the lower payment to be assessed for the XX/XX/XXXX, payment. 

I receive their refund in the amount of {$2700.00}, which I promptly sent a personal check in that amount to them by overnight via USPS. It arrived in their XXXX XXXX XXXX XX/XX/2023 as shown in the attached documents. I had notified them by email prior to and after the XX/XX/2023 email. As of today they have refused to or attempted to retrieve the overnight mail containing the check so that my XX/XX/XXXX, payment can be accurately reduced. 

I contacted XXXX XXXX and their representative in the XXXX department for Guild more than 5 times prior to making this complaint and have made every effort to contact them by phone. 

I tried calling their Servicing Department as shown on their website and instead kept getting referred to a solicitation for XXXX XXXX  instead, which is quite disturbing. 

As of today I am have to pay the {$3000.00} mortgage payment instead of the lower amount if Guild were to properly take into consideration the check that has been in their XXXX XXXX XXXX XX/XX/2023. 

Since this complaint, I have changed XXXX XXXX XXXX  again and will have an even lower previous which will reduce my total payment below {$2800.00}. This second change in XXXX insurance companies will be effective XX/XX/2023. I purposely waited to have this new insurance to take effect on XX/XX/2023 to give Guild sufficient time to correct the " current '' escrow payment that they refunded. I thought 11 days would have been plenty of time to begin my new homeowners insurance, but now that have not even picked up the current refund check in their XXXX XXXX there will now be more necessary delays in correcting the homeowners premium the currently have on file the second change coming in XXXX. 

This entire confusing issue is purely due to their negligence in not picking up the refund check that I sent, correcting the current payment and in XXXX they will receive the second homeowners insurance companies that will ultimately reduce my entire mortgage payment even further. 

Their outrageous customer service in not having a XXXX XXXX XXXX  phone number to contact them directly and instead, an up-sale for XXXX XXXX XXXXXXXX is equally outrageous and deceptive.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The account XXXX XXXX account XXXX ending in XXXX was reinstatedon my Equifax credit profile on XX/XX/XXXX and has caused my credit score to drop XXXX points ( see picture below ). I disputed this account on XX/XX/XXXX and XXXX XXXX has not removed the account. The Equifax dispute confirmation number for XX/XX/XXXX is XXXX. 

I submitted a new dispute XX/XX/XXXX and that dispute number is XXXX XXXX XXXX account number ending in XXXX was first disputed XX/XX/XXXX and Equfax removed/deleted the account due tothe informationbeing inaccurate, incomplete and could not be verified. The updated XX/XX/XXXX Equifax credit report showed that the XXXX account number ending in XXXX was removed/deleted. 

Also I never XXXX mailed notice of reinsertion from Equifax within XXXX business days of their reinsertion, as the day of the reinsertion was XX/XX/XXXX. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within XXXX business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). 

Please have Equifax abide by the CRA laws above and remove/delete the XXXX XXXX account number ending in XXXX.
Consumer complaint received 2020-11-30
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2019-07-29
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: DISCOVER BANK (NY)

I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my XXXX XXXX greatly and my ability to pay my bills.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (AZ)

Axos Bank ( operating as XXXX XXXX ) - XXXX  # XXXX - savings account # XXXX A {$10000.00} transfer to my XXXX XXXX savings account from Axos Bank was initiated on XX/XX/XXXX the amount was removed from my Axos account and showed up as pending in my XXXX XXXX account. The transaction was returned by XXXX XXXX on XX/XX/XXXX after getting XXXXNO ACCT/UNABLE TO LOCATE back from Axos on the transaction XXXX The {$10000.00} was not returned to my XXXX account and has been missing since then. 

I alerted them and opened a case XX/XX/XXXX ( XXXX ). They repeatedly insisted they never sent an XXXX and that they completed the transfer and closed the case. 

XXXX XXXX had their team review the events and concluded that XXXX did issue an XXXX ( account not found ) and they did send the XXXX back their statement included this : The XXXX XXXX has reviewed the return and would like to provide the Trace XXXX, which can be used by your external bank to inquire the location of the funds. 

I provided Axos with this information and they finally opened an investigation - case XXXX was opened on XX/XX/XXXX To look into it. Ive been repeatedly told the team will contact me when they are done investigating. Its now XX/XX/XXXX and still no contact from the team my repeated inquires result in the usual please be patient, sir well contact you just as soon as we finish. Theyve now stopped responding entirely and simply close my inquires with no comment.
Consumer complaint received 2023-01-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The account XXXX XXXX account number ending in XXXX was reinstatedon my Equifax credit profile on XX/XX/XXXX and has caused my credit score to drop XXXX points ( see picture below ). I disputed this account on XX/XX/XXXX and XXXX XXXX has not removed the account. The Equifax dispute confirmation number for XX/XX/XXXX is XXXX. 

I submitted a new dispute XX/XX/XXXX and that dispute number is XXXX XXXX XXXX account number ending in XXXX was first disputed XX/XX/XXXX and Equfax removed/deleted the account due tothe informationbeing inaccurate, incomplete and could not be verified. The updated XX/XX/XXXX Equifax credit report showed that the XXXX account number ending in XXXX was removed/deleted. 

Also I never receiveda mailed notice of reinsertion from Equifax within 5 business days of their reinsertion, as the day of the reinsertion was XX/XX/XXXX. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). 

Please have Equifax abide by the CRA laws above and remove/delete the XXXX XXXX account number ending in XXXX.
Consumer complaint received 2023-01-30
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. (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX, account number : 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 also states a consumer reporting agency can not furnish an 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. 1681 section 2 ( a ) ( 1 ) states 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 2023-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I checked XXXX XXXX XXXX in XXXX XXXX and found that XXXX XXXX Card filed legal paperwork with the county on XXXX. This company never contacted me. This company never gave me a chance to respond in court.
Consumer complaint received 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (OK)

I wrote the debt buyer XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX back on XX/XX/2020. This entity purchased a receiveable from XXXX XXXX XXXX. The bank made a banking error and took a payment out of the wrong bank account that threw my bank accounts in chaos as well as various credit accounts. The bank failed to make me totally whole. In addition, there were some charges made on the account that was not mine, and the bank failed to handle these in the correct fashion. 

I have included here in a copy of the correspondence that I sent to XXXX XXXX that details this transaction. This provides all the pertinent details.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a been a banking client with Bank of America for the past 18 years. I only have a credit card with them. Its been that way for the past few years. Today, I log onto my online banking and see a checking account that was opened. This account was NEVER authorized by me to be opened. I called into customer service, there was a bit of a wait time, so I had to hang up as I had a meeting I had to be in. After my meeting I called back and spoke with the fraud department. The representative was very kind and she closed the account, said someone must have stolen my identity. I understand hackers and how they can steal your information. Ive gone through all the steps to protect my identity. All of my credit reports are locked down. I use strong passwords. I dont click on any outside links that Im not expecting. Not saying it cant be done, but its harder to get me than some of my peers. 

The representative told me that the account was opened online. That means someone would have to know my user name and password. I was baffled at this. How could someone open a checking account in my name at a bank where I have an existing relationship and that bank not as much send me an email to say you have a new account. The account that was opened happened to be opened using an old address. Still nothing from Bank of America to say hey your address was changed in our system. Im not sure if you keep old addresses on file, but that old address is my Mothers address. Im still baffled by this, now why would someone who was trying to steal my identity and for some odd reason open an account in my name at an institution that I have an existing relationship with use my mothers address. 

So now Im thinking this has to be an inside job. Is there a banker somewhere trying to reach a goal and is opening up accounts fraudulently? It said the account was open on XX/XX/2023. Banks were closed. That was a Sunday. No one logged into my online banking. Below is a screenshot of my logins per online banking. There was no login on using my id and password. There was no type of transactional activity that took place on the account. I hope you sincerely look into this being done by an employee. I know you may say, no way an employee would do this type of thing, but remember the same thing happened to XXXX XXXX years ago.
Consumer complaint received 2023-01-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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  Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian has violated my rights . 

15U.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 ag
ency can not furnish a account without my written instructions
Consumer complaint received 2023-01-30
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. (TX)

This is XXXX XXXX XXXX XXXX is reporting a false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ).
Consumer complaint received 2023-01-31
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I paid my balance of {$460.00} to bring the account current to make my credit available balance to {$1000.00}. This payment was made before the statement date so that it would reflect account paid in full for the XXXX reporting to the credit bureau. I called XXXX  and asked why was my account reported 2 weeks earlier than its suppose to report I was told they dont know and that my score would report around the XXXX or XXXX of XXXX. Its now almost XXXX and my credit report still was not corrected to reflect that account was paid off before my statement date for XXXX. My account should show paid off in full for the XXXX reporting to the credit bureaus. So because they reported my account two weeks later it doesnt show my account with the payment I made.