davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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: Avant Holding Company, Inc. (CA)

I reached out to the Avant , LLC . back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, PA which is not where I live. I live in California and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of Avant , LLC . but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the Avant , LLC of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2020, I received a phone call from American Express business gold card offering me a credit card for my business, I was not interested but the agent convinced me that will be very beneficial to my company as far of credit line with no preset limit and travelling etc. She was very persistent in collecting my company and my personal information. On XX/XX/2020, I received a phone call from their approval department stated that they just need to ask me a couple question to complete my application and after a few minute on the phone they said that I was approved and they transfer me to a different department to determine my credit limit and the agent that I was connecting with told me that I was approve for {$5000.00} with no preset limit, that's mean if I made a purchase for over {$5000.00} it will automatically approved but I have to pay the difference in full on my next billing cycle, I was not satisfy because I was expected more and the fact I have to pay a {$290.00} membership fee upfront, but after a lot of convincing I accept. 4 months after I try to make a purchase for only {$2000.00} and it was declined, when I call American express they told me they information that I was given was wrong that I was only approved for a {$1000.00}. I am very disappointed to see how they're cheating customer to collect a {$290.00} fees, I have good credit and personal credit card for over {$5000.00} limit, there's no way I would agree to take a {$1000.00} credit line and pay almost {$300.00} upfront membership fee.. I called them and they keep transferring me to different departments, no one ever really help my case, the last supervisor I spoke to told me in 24 hrs someone will contact me and help solve my problem, it's been days and no one calls me back. I need help to get my money back.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX, 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent Collection Accounts : XXXX XXXX XXXX. 
Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

XX/XX/2022 To whom it may concern, One evening, a little over two and a half years ago, I sat down at my desk and started going over my Citibank credit card invoice. I was shocked to see charges on this card, about {$9000.00} worth, that I had not authorized and that I knew nothing about. Contacted Citibank post-haste and informed them of these fraudulent charges they said they would investigate and get back to me. At that time I wasn't particularly concerned because I knew that Citibank had a policy of not charging card holders for fraudulent and criminal behavior. I also studied this fraud and found that they used a device called a " square '' that you could use and only have the card in their possession the first time of use. A few months later I got a letter stating that they would not honor the fraud policy in my case and considered it a " business dispute '' .The only thing that they could misconstrue as a business dispute was the fact that I at one time had considered buying this auto repair shop but I had decided against it very early in the negotiations and I barely knew the shop 's owners. The only way I felt I would get fair treatment by Citibank was to stop paying their bills and compel them to sue me so that I could get this situation in front of an impartial and fair magistrate to get Citibank to do as they had promised and cover this obvious fraud. Sometime later they sent my folder to a collection agency and by the end of the call, a supervisor told me they were going to ship my file back and not take it and if he was he would sue Citibank for criminal behavior. In the meantime every few months Citibank would send me a letter indicating that the issue was still being investigated and that a conclusion would be forthcoming, This has never happened and still I wait. Please understand when I started on this debacle my XXXX credit score was XXXX and I believe that I hadn't been late on a payment in about 40 years. Recently I tried to refinance my home and was turned down flat a direct result of Citibank 's reporting of this unfinished situation. Recently I calculated my loss because of this to be in the tens of thousands of dollars this does not include three stress-related XXXX XXXX that may or may not be attributed partially to this situation. This problem has now been going on for years with no end in sight. Can anyone there help me? maybe by referring me to an attorney that would take this on a contingency basis or reasonable payments. I truly need somebodies help. Please can you help me? 

Thank you for listening, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-06-24
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. (OH)

As a consumer, I know that I have a right to privacy Pursuant to 15 USC 1681 ( a ) ( 4 ) under Federal Law, and Experian has infringed upon my rights to privacy. On XX/XX/2022 I logged onto a monitoring service to review my consumer report. When I logged on, I noticed an address that I have never seen before. I originally contacted Experian on XX/XX/XXXX to remove old addresses, and to update my name, however, I was not expecting to see an address that I never gave consent to furnish on my individual report. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), It states that any consumer reporting agency may furnish a consumer report under the following circumstance and no other : In accordance with the written instructions of the consumer to whom it relates. Experian is in direct violation of this statute. I did not give Permissible purpose nor did they have my written instruction to furnish this information. My main concern is where did they get this information, and who told them to do this? This constitutes Identity Theft and Fraud, under Federal Law and I am owed remedy. 

Furthermore due to the rising Identity theft that is going on, and all the information that I had no idea was furnished on my report I sent Experian a letter not only demanding that they update the correct location information on my consumer report, but I also sent them an FTC identity theft report telling them to block all the information on my report, that I believe is Identity theft and fraud. They informed me that they couldn't which made no sense to me because the information that I sent was in the form of an affidavit of facts and once again my rights have been violated.
Consumer complaint received 2022-06-24
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. (TX)

TRANSUION report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. 

This account was deleted a year ago because of inaccurate reporting, false info and failure to furnish verification. THIS IS NOT MY ACCOUNT
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Can not create an account on XXXX and TransUnion I do not have a smart phone and need one to get into these companies. 
I did my best to verify my ID and it's still not good enough when I pass security questions. I also tried to buy services and could not buy even with my credit card.
Consumer complaint received 2022-06-24
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 the the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (KS)

My name is XXXX XXXX and I've been dealing with an issue with no result since XX/XX/XXXX ( when my loan was transferred from XXXX to TMS - the money source. ) My loan XXXX at TMS is : XXXX and property XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ks XXXX XXXX Pin # XXXX XXXX already paid the taxes and TMS proceeded to disburse the funds from my escrow account for taxes in the amount of {$3100.00} however it was never received by XXXX XXXX XXXX department and i have verified this with them every week since XXXX. I have requested The Money Source to close my escrow account so i have 25 % equity and i no longer wish to have someone manage paying property taxes or insurance. A case has been opened at The money source in XXXX and i was told it was closed out XX/XX/XXXX. Yet, this is not resolved so im not sure why someone would close out this case. This has been a nightmare to deal with and everytime i call and speak to someone they tell me they will call and talk to the county to find the check. I also filed a complaint with XXXX and they did send me an image of that check ( ATTACHED ) which the county said that was the one deposited. The money source has failed to do this or their due dilligence.

Everytime i contact them they just send me a standard verbiage. This has been 3 months. One time i called the money source and the property tax department told me the check says its sent out but wasnt so they might use it for XX/XX/XXXX taxes. That is unacceptable. its not showing up in the escrow account. Everything about this is unacceptable and i expect the funds returned to me and my escrow account closed. I will pay XX/XX/XXXX taxes and all taxes and insurance going forward. I expect a refund check of {$3100.00}
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (MN)

Equifax has failed to act on multiple documents sent to them via CFPB as well as their online dispute services. I have sent a letter from the Creditor XXXX as well as a FTC Report. 

I am requesting immediate removal of these unauthorized inquiries.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

I need to temporarily unfreeze my credit with Experian and cancel credit monitoring with them. I tried to log in online and was locked out of my account. I tried calling over 15 times at the number provided by the " you're locked out of your account screen '' and to other numbers listed on their website. I was sent to the same prerecorded feedback loop that always ended with the same two options -- offering to direct me to their website or reading instructions on how to send in a request by mail. I need a human to unlock my account, unfreeze my credit, and cancel credit monitoring. I am applying for a mortgage so need the credit unfreeze in a timely manner. It is completely unacceptable not to have an option to speak to a human being. 

I also XXXX  at experian 's help XXXX account and sent them a direct message on XXXX. I received a canned reply to my direct message but I provided the information requested ( account number, phone number, and zip code ) and have heard nothing further. 

This all occurred on XX/XX/2023.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southern Management Systems Inc. (PA)

Hello, my name is XXXX XXXX, 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent Collection Accounts : Southern Management Syst. 
Account Number : XXXX Collection Opened : XX/XX/2021 Balance : {$7300.00}
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. XXXX XXXX XXXX is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account XXXX % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a XXXX XXXXXXXX XXXX XXXX and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with XXXX XXXX, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the 10s of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona XXXX XXXX XXXX XXXXXXXX to hold XXXX XXXX XXXX criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The public information record of XXXX XXXX XXXX thats listed on my XXXX, XXXX and Trans Union credit report is incorrect. The public information record is inaccurate.
Consumer complaint received 2022-06-24
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

FREEDOM MORTGAGE STAY AWAY FROM THEM. 



If you are a veteran or someone who is using freedom mortgage, please stay away from that company, especially when you are trying to refinance with a different company. They lied to this company so that way I couldn't be able to refinance with them. Here 's my story and how they try to XXXX me over. 

In XXXX of 2021, I received and signed a modification agreement letter from Freedom Mortgage. My three trial payments for this agreement began in XXXX of 2021, and I have made every payment on time since then, except for XX/XX/2021. Freedom Mortgage claims that I have been delinquent on my payments since XX/XX/2021. This statement is false, and I have all bank statements to show I made those payments during that time frame. 

my ex-wife and I signed and notarized all required loan modification documents on XX/XX/2021, and sent them back to Freedom Mortgage. In XXXX of 2021, after I had completed all requirements for the loan modification, I received a letter from Freedom Mortgage stating that I was no longer eligible. I got XXXX XXXX, VA Loan Technician, involved at this time, who also had to get her supervisors involved to handle this situation. I was told not to make my XXXX payment until Freedom Mortgage honored their original loan modification agreement. Freedom Mortgage took two months to process the loan modification.
Consumer complaint received 2022-06-24
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: REGIONS FINANCIAL CORPORATION (VT)

Received a credit card via 2 day XXXX XXXX looks totally bogus. Never applied for any credit card. Received on XX/XX/22. Did not call number on back as I believe this is some type of scam. It shows XXXX logo but does not say XXXX. Customer service number on back of XXXX. There was no terms or explanation with the card just a card in an envelope sent in a XXXX envelope.
Consumer complaint received 2022-06-24
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was told that my credit would not be run until I made the decision of what type of vehicle I was gon na purchase and the amount would be discussed, they ran my credit with out my consent even after I told them I was not going to move forwardI did not sign anything or was given any type of form to fill out neither did I give them any type of identification or social