davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}
Consumer complaint received 2020-07-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (IN)

I signed my Final ALTA Settlement statement on the XXXX of XX/XX/2020 via remote closing at my home. When I received copies if my closing documents and my settlement check I noticed that the dollar amount was different than what was on the statement that I had signed. I noticed that the first position mortgage lien amount was different but I attributed that to interest, although that should have been properly accounted for but there was also an increased amount of {$50.00} for the remote closing above the amount that was on the ALTA that I signed. I then emailed the mortgage company to find out why the numbers were different and was told that it was due to interest. I asked about the increase to the signing fee and was told that they would look into it and get back with me. They did not. I inquired two more times and was never given any follow up or reason as to why I was charged more after I signed the ALTA or why the ALTA that I signed did not match what was in the final loan docs.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

WE HAVE HAD OUR PROPERTY TAXES DEFERRED BECAUSE WE ARE BOTH OVER XXXX YEARS OLD. 

NEW REZ SUDDENLY PAID OUR BALANCE WITH XXXX COUNTY TAX ASSESSOR, AND HAS INCREASED OUR HOUSE PAYMENT BY {$700.00}. 

NEW REZ LOAN NUMBER IS XXXX. 

WE HAVE SENT THEM LETTERS FROM THE TAX ASSESSOR TWICE AND CALLED THEM AS WELL AND THEY ARE BEING NON RESPONSIVE. 

MY HUSBAND NEEDS CONSTANT XXXX XXXX  AND THE FINANCIAL STRAIN OF THIS SUDDEN NEW EXPENSE HAS BEEN TERRIBLE. 

WE NEED THEM TO REVERSE PAYMENT TO XXXX COUNTY SO THAT WE CAN GO BACK TO HAVING THE TAXES DEFERRED UNTIL WE SELL OUR HOUSE.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

I received an email XX/XX/XXXX saying my account had been suspended. I didnt see the email until XXXX, and hadnt used my card in a few weeks so I didnt know what had happened until XXXX. This is the email I received : Hi ****** *******, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call Account Protection Services at XXXX-XXXX-XXXX-XXXX. 

Thanks, The XXXX Team I called Customer Service, but they werent much help. She could only tell me my account was suspended and that I had to WRITE to Bluebird to take care of this. I sent a letter but I havent heard anything back. My family and I ended up getting XXXX with XXXX  in XXXX and I had totally forgotten about this. I checked to see if my account had been reopened or if I could access my balance, but everything is still locked up. I would just like my account to be reopened!
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Consumer complaint received 2020-10-09
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. (PA)

i have contacted XXXX XXXX XXXX as well as transunion and XXXX  various times in the past 8 months to investigate, verify, and validate this debt ... and they have never sent me a response or even marked this as in dispute they are in clear violation ... covid or not its been multiple attempts and they have not conducted and investigation that they are supposed to do by law ... ..there is so much incorrect reporting on this account that i do not know where to start..first off they are reporting this as an open charged off account it can not be both that is a violation ... 2nd they are reporting a charge off with a balance of {$2700.00} it can not be both ... they are reporting a charge off with a past due ... it cant be both the comments are different in both, the 2 year reporting history is different in both, date of last payment and last active is different in both which makes me think that thhey are changing these dates ... .the 2 year reporting history is different on both and to top it off i never had a cell phone with XXXX XXXX XXXX in my life i have no idea why this is on my report ... my next step is contacting an attorney to fix this and sue them for messing my credit up
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

As per the FCRA RIGHTS FOR VICTIMS OF IDENTITY THEFT " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed 3 to 4 dispute letters to Capstone Credit & Collections LLC, via certified mail asking for them to provide me with debt verification in the form of, an apartment application that was used to open an account with Capstone Collections or the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX. I was told by XXXX at Capstone Collections that, " they do not have the apartment application on file to send to me for verification. '' However, Capstone Credit & Collections has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of my rights under the FCRA! Capstone Collections is claiming I owe them {$2900.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! The information Capstone Collections sent to me was of a very old copy of my driver 's license and an apartment lease, however this does not prove, nor establish the debt belongs to me, because I have lost my license several times in the past and also the lease does not have my social security number, nor my signature printed on it. For this reason I am requesting that Capstone Collections send me the apartment application so that I may trace how this account was opened? Capstone Collections refuses to send me the application, which the FCRA laws state I have a right too, in order to validate the debt! Capstone Collections has also refused to send me proof this debt is not beyond the statue of limitations, refused to show me proof they are licensed to collect in my state of FL,  and refused to provide me with their license numbers and name of their Registered Agent or Agent of Service that I requested in writing from them on XX/XX/2020. Please have Capstone Collections to follow the FCRA and send me all the information that I requested, as well as the application or signed contract that shows how the account with XXXX XXXX XXXX XXXX  was initiated with my social security number. If Capstone Collections can not provide me with this proper verification ( application ) under the FCRA, then please require them to repair the damage they made to my credit score by reporting this debt to the Credit Bureaus as " NEVER LATE, NEVER DELINQUENT, '' and then have them delete this erroneous debt from my credit files!
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i have a credit card reporting on my credit. i was old it was a authorized user but its an actual credit card. I was told that this was authorized user its a fraudent account open it must be deleted. now they reported me 30 days late. XXXX deleted but XXXX  always likes to ignore and destroy your life. please delete this from my credit now
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meyer & Njus, P.A. (MI)

XXXX XXXX XXXX has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a XXXX store. I have filed complaints with the debt collector and with XXXX and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX. 
Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. XXXX XXXX XXXX or XXXX XXXX does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-06-04
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. (TX)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to Experian, XXXX  and XXXX. 

The credit bureaus have not updated my account since XX/XX/XXXX
Consumer complaint received 2022-05-19
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. (SC)

XXXX XXXX, XXXX Experian and XXXX have ruined my reputation by furnishing unaccurate information on my consumer report. They have continuously violated multiple consumer laws by reporting in inaccurate late payment on my consumer report. On my consumer report a late payment is being reported for XX/XX/2021 during the pandemic. These companies are misusing medical credentials and violating the HIPPA Laws. As everything I do is for my welfare and health. XXXX, XXXX, XXXX, and Experian I am requesting a full accounting of this account both the debt and credit side of the ledger. There are no Late payments on the ledger just credits and debits. In accordance with title 15 usc 1681 B Permissable Purposes A furnishing agency may only furnish a consumer report with the written consent of the consumer. I do not give XXXX XXXX, XXXX, XXXX, Experian, consent to furnish any late payments on my Consumer report I demand that the late payment for XX/XX/2021 be updated to paid as agreed. Refusal to remove these late payment and update them to paid is noncompliance unde 15 usc 1681 n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} noncompliance will not be tolerated as my reputation is being damaged as well as the health and posterity of my family. 
Pursuant to usc 1681a ( 2 ) b any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, The Definition of a credit card under 15 usc 1681 is the same under title 15 602 ( I ) which is the term " credit card " means any card plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit, Congress said ANY card. The credit card is my social security. This is the credit card I use to originate every consumer transaction. All acoounts should reflect that I am the original creditor therefore a late payment can not exist. I am giving my written instructions that all furnishing reports and consumer reports be updated immediately to reflect such and that all late payments be amended to paid as agreed,
Consumer complaint received 2020-06-04
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. (GA)

to whom it may concern ; I check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me again
Consumer complaint received 2020-06-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

XX/XX/2021 Debt was paid XXXX to Portfolio Recovery Associates and will be considered paid in full for less than request that the credit beauras delete from report. I have everything in writing to verify. Now, it being reported as partial paid with a balance still due.
Consumer complaint received 2020-06-04
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: BARCLAYS BANK DELAWARE (FL)

We ( XXXX XXXX ) and myself ( XXXX XXXX ) were in XXXX XXXX on a cruise XX/XX/2019. We were approached my a woman and convinced her into going into XXXX. They told XXXX that they could remove the bags under our eyes. The operator XXXX would take care of it. I told XXXX I have very XXXX XXXX. He said no problem and I could return it this happens. That night I XXXX XXXX on my XXXX. I have photos of it. I was told the price was {$290.00}. The charge which was processed was {$340.00} on my credit card, that was the first issue. Then another man used something on our necks to remove wrinkles. That was another {$2000.00}. We didn't leave with the products they were to be mailed to XXXX XXXX 's house at XXXX XXXX XXXX, XXXX XXXX, Fl. The next day XX/XX/XXXX in XXXX. XXXX I tried to call them to tell them not to mail the package as I XXXX XXXX from the product. There was no answer nor an answering machine to leave a message. I still have the record of the call on my XXXX. We got back Sunday XXXX late. The first thing Monday XX/XX/2019 morning I called my credit card Barclays Bank to file a dispute on both charges. XXXX also filed a dispute with her bank XXXX XXXX. XXXX also called and spoke to XXXX and told them not to send the products and that we weren't going to accept the package when it comes. The notice came and XXXX took the notice to the post office and marked it REFUSED RETURN TO SENDER. I have all the tracking information from the post office including where they signed for the return of the package. XXXX 's Bank XXXX XXXX credited her back the monies back. I also copies of her credits. 
I also sent all my documents and pictures to the CEO XXXX XXXX of Barclays Bank. I never got a response from him. I got a denial from the dispute department. I wasn't the courtesy of a response from the CEO XXXX XXXX. As a retired XXXX of 31 years I don't understand how one bank protects their customer and the other doesn't. I always protected my customers XXXX has both the products and my monies totally {$2300.00}. I am a recent widow and hope you can help me. I can send you all the documentation. I can't scan it on my computer. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX cell
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

I called chime customer service and thought I was talking to a representative who then. took remote access of my phone and transferred all my funds from my XXXX XXXX and savings account to my checking and transferred all my funds to his account I disputed it with chime, and they denied my dispute
Consumer complaint received 2020-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. 

I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. 

I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company.