davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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. (PA)

To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC Account Number : XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Thank you for your time and help in this matter
Consumer complaint received 2023-01-26
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. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove/delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 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 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 2022-12-09
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: Experian Information Solutions Inc. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 XXXXXXXX
Consumer complaint received 2022-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (TN)

Was emailed by my current mortgage lender about a HELOC back in XX/XX/2022. I contacted the company SunWest Mortgage to inquire about this program and they assigned me a loan originator, they collected some information and explained that I would receive documents to sign. I did complete that and then waited for further instruction. I was not contacted again until I initiated the status update. They indicated they could not pull credit because of a lock on my account. I explained the lock had been removed and they were ok to proceed. Another week or so went by and never heard a word. I followed up again and he explained I still had a lock on my file. That again was not true. They finally pulled credit and the process continued. I then received disclosures however upon review everything was filled out for a property I have not owned in XXXX years. I received an invoice to pay for an appraisal for that same property which was not my current owned property that I was applying for the HELOC on. I was assured that all would be fixed and disclosures etc would be resent. I never received anything. Continued to not hear any updates at all. I sent several emails and phone calls and never received any responses until I started inquiring to speak to managers. I was finally contacted back and said they were getting it all fixed. Still have not heard anything back. This is going on a XXXX month process now and the whole situation has been messed up from the beginning. I would like this to be resolved as soon as possible or my credit report repaired and the inquiries they caused removed.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

On XX/XX/2022 I received a call from XXXX which is the US bank XXXX XXXX XXXX  and also the bank that I Bank with. The person on the line said that they were with the fraud department and that someone was trying to access my funds via XXXX I explained to the representative I had never used them and so I did not know how that could be happening or how it worked. The representative told me that I needed to follow her instructions in order to catch the person that was trying to access my funds. So I assumed it was legit since it was coming from the XXXX XXXX. I have that number in my call log it called me XXXX XXXX on that XXXX. I unknowingly followed the representatives instructions which gave someone access to my funds and sent them {$2000.00}. The representative assured me I would get my money back as they were tracking the person who was doing it and trying to catch them. The following morning I went to the bank and spoke to a representative and also called the XXXX department and they told me that there were similar scams going on within their bank and that they knew it was fraud and that they would launch an investigation and refund my money in up to XXXX XXXX XXXX XXXX later I received a letter stating that they have denied my claim and that I will not get my funds back. I need help I have been banking with this bank for XXXX XXXX I am a XXXX XXXX XXXX XXXX who has been on his job for XXXX XXXX I get XXXX XXXX XXXX XXXX. I really need help getting my money back and can not afford to be without my {$2000.00} as I have a family to take care of and bills to pay. The bank needs to follow this money and see where this money went and also do an internal investigation since the number that was calling me was their XXXX XXXX Can you please help me get my money back?
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (CA)

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2021, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed for a YEAR. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

I Have not received proof of bill, The Consumer Credit Reporting Act Requires anything on a credit report for the person when asked to provide proof of debt including full break down of charges, This has not been supplied to me, It is also against the law for this person to have my medical record since I have not given them access under HIPPAM they are therefore not allowed to view my medical information, I request that they immediately cease all activities and remove my record from their system and remove the report from my credit report as they are not allowed to have it there with being able to prove exactly what it was for and service rendered with a break down. It is showing they Sold to them by XXXX XXXX XXXX XXXX, and It was listed as them before on my credit report
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NY)

Hello, my name is XXXX XXXX and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

On XX/XX/2022 I received a phone call from Rocket Mortgage regarding my deceased parents loan. This was in response to my inquiry of assuming their loan. I asked that I assume this loan according to the Garn-St Germain Act that states I do not need to credit quality as I am the successor heir. The broker XXXX XXXX was hostile and raised his voice on the phone and said that is not the way they do business and when I mentioned that I wanted to check with my attorney, he said get him on the phone now! He then sent over an email stating that I would need to credit qualify in order to assume this loan. 
The bank has requested the credit file for my wife that has nothing to do with this loan. They have refused to comply with this act designed to protect families that have been living in their home when the borrowers dies. I want to assume this loan.
Consumer complaint received 2022-10-13
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. (WI)

Today I revived this text message stating I tried to apply for a loan. I immediately looked to report them I didnt XXXX up for it and I have my identity compromised. XXXX has already took 4 things off my credit please help and catch these scum. I never signed up for anything and they a fraudulent scammers who will get your info to steal your identity. Trust me mine has been stolen and its a nightmare. Take the steps to report this to the right people, and dont let these scumbags prosper. God Bless America!
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NORTHWEST BANCSHARES INC (AL)

Improper use of my account in accordance with fair credit reporting act section 602 states i have the rights to privacy 15 USC 1681 IT ALSO states a consumer reporting agency can not furnish account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-13
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. (CA)

IVE NEVER FILED XXXX XXXX XXXX AND XXXX AND TRANSUNION CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...
Consumer complaint received 2022-08-19
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 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. 

I did not create the over the limit action on this credit card. It was created by the bank for finance charges and fees. If I had went over the limit on a purchase the charge would have been declined. Since I went over the limit due to the banks fees and interest it goes through and I'm reported for it. That action is completely unfair and is a violation of consumer protection laws.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I used to be in forbearance with my mortgage company XXXX XXXXDovenmuehle since the pandemic started in XXXX XXXX. In XX/XX/XXXX, I chose to refinance with a different lender and requested my forbearance end and so I can begin process to refinance. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX repeatedly ignored requests for records from myself and from lender I was working with. The new lender needed to verify information I provided was correct, dates were correct of forbearance starting and ending, etc. XXXX XXXX at some point in XX/XX/XXXX provided false information to my lender who did their best to use for the refinance but the underwriter ended up rejecting it in XX/XX/XXXX and requested documentation again from XXXX XXXX, which they ignored and didn't provide. My understanding, a lender or mortgage company MUST legally provide documents requested by the customer. They repeatedly ignored or send false information. In XXXX. XXXX I had to give up my refinance process due to this and due to the rise in interest rates. Since XXXX XXXX I have been dealing with XXXX XXXX to get back on track with my account and have made consistent payments and they have provided several options, including deferral of outstanding balance to place it at end of the loan. In XXXX I made $ XXXX payment to help start this process and now I'm being told this is not an option. This is the most frustrating company I have dealt with that lies and lies on each phone call. Which takes me XXXX to be on hold. They are trying to wear me down and have even added late charges to my account. Each time I talk to a Rep, they don't know status of my request and put me on hold for long time for a Supervisor. Still nothing is resolved. Please look into these deceptive practices. I have witnesses of the lender I was trying to refinance that can provide statements if needed. At this point, what can someone do?
Consumer complaint received 2022-09-22
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. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX I 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
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX an scammer hacked my acct and made an online deposit for XXXX and contacted my son to return the money. He saw the deposit and informed the person he had the wrong person. The person began to send him threats via text and informed him to return the money via XXXX. As he did because he was scared and did not want any parts of the money. Once he informed me, I attempted to cancel the payments and was unsuccessful. He was not aware that this was an online deposit as this is his 1st bank account. I contacted customer service immediately and they informed me there was nothing they can do about the XXXX payments and go to the branch. I went to the branch and met with XXXX XXXX who is a Lead Associate of Operations. She assisted us with changing his user id and password and also verified that his account was accessed from a different time zone in the morning. We opened claims numbers : XXXX and XXXX for the fraudulent check and XXXX payments. I was informed to call the bank on XX/XX/XXXX to verify what type of deposit was made. I reviewed my statement and saw that this was a fake check that was deposited and was advised to allow XXXX business days for resolution. I made follow up calls XX/XX/XXXX and was informed that the check claim was cleared, and it was fraud but, the XXXX payment is still pending and to call back. I called on XX/XX/XXXX and spoke to an agent who informed me that the XXXX payment was approved on XX/XX/XXXX and to allow 10 days for the deposit to be refunded back into to account. That never happened! XX/XX/XXXX I spoke to a supervisor who informed me that I was provided incorrect information and there would be no refund for my original balance and the account is overdrawn {$580.00} due to the XXXX payments. I requested for the call to be pulled and to be honored. I have never received a follow up call.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.