davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
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)

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. 

In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. 

In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeal I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On this card, I've had a pay over time offer until XX/XX/XXXX where the only terms are to pay the minimum payment by the due date ( to remain " in good standing '' ), which I have ( screenshot attached ). On XX/XX/XXXX, due to a change in deposit banks, my checking account # and routing # for this payment changed. I informed American Express on XX/XX/XXXX to cancel a payment scheduled that day ( which they claim can be canceled by XXXX am but the button to cancel wasn't on the screen ) but they refused. I was told I could ask for a returned payment fee refund afterward so I made a parallel payment from a different account. On XX/XX/XXXX, I found out despite complying with this requirement to make parallel payments on time, my general APR and my pay over time APR had been changed to the penalty APR because somehow my card was not " in good standing '' despite complying with the terms of the program and making on time payments and I was charged {$690.00}. It was already a nightmare getting the returned fee refunded and now I'm finding American Express is engaging in this deceptive and illegal practice against the terms of the program. They still state on another webpage that I have 0 % APR until XX/XX/XXXX. Despite paying a hefty {$690.00} annual fee, I encountered a customer service who was too incompetent to understand nor cared. I will cancel all my cards after 17 years of membership. They are horrible and will engage in illegal practices out of greed. They need to resolve this or this is a clear case for arbitration I will pursue.
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (OR)

I received a letter from Loancare dated XXXX. It stated the following :. " if your loan was current at the time of going into forbearance, then each month you are in forbearance, we will report the status of the account to the credit reporting agencies as current. '' Additionally, the letter stated, " We are here to help. We understand late payments stem from a variety of reasons. We strive strive to make every effort to help ease the financial difficulty to help you stay on track with your mortgage payments ''. 
These are all kind, beautiful, supportive words, but they are completely untrue. I missed one payment by accident, and Loancare immediately reported me to the credit agencies. My score went from the 800 's to the 600 's. This making it impossible for me to buy a house, or a car, or even qualify for a credit card. 
This is what happened. In XXXX of XXXX, I signed up for automatic payment from my checking account to Loancare, so that I would never be late. What I did not realize that the process took 60 days to take effect. When I signed up in early XXXX, I thought the XX/XX/XXXX payment would be automatic. However it did not take effect until the XX/XX/XXXX payment. Thus, the XX/XX/XXXX payment was late. I paid it immediately upon realizing my mistake. Loancare did not care that I made an honest mistake. They reported me to the credit bureau. This happened during the peak of COVID. This seems like drastic and unfair punishment. I am requesting that Loancare does the honorable thing and restore my credit back to normal by removing the " 30 day late. ". Thank you in advance.
Consumer complaint received 2022-12-29
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

NOTICE : Identity Theft Nonpublic Information Shared Without Consent Attn : Consumer Support Services I conditionally accept your offer upon proof of bona fide claim. 

1. Pursuant Federal Law 15 USC 1692 ( a ) congress made it very clear that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors which includes Midland Credit Management. Congress also made it clear that Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

2. Pursuant to 15 USC 1692 ( e ) congress also made it clear that the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, and to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

3. Pursuant to 15 USC 1692 ( XXXX ) I am a consumer a natural person not obligated to pay XXXX XXXX Funding. 

On ( XX/XX/22 ) I received a letter in the mail from your company ( Midland Credit Management ) stating that I allegedly owe {$960.00}. In fact, pursuant to 15 USC 6801 ( a ) I believe my nonpublic personal information was stolen, used or my individual privacy rights were violated by Midland Credit Management. I did not consent to or give Midland Credit Management authorization to have my nonpublic personal and private information. Please provide me with an express written consent or authorization form as proof of bona fide claim. 
Please be clear, complete, and accurate with any supporting documentation that proves your claim is valid. 

Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability for XXXX XXXX dollars ( {$10000.00} ) each day this account is being furnished on my credit report. This is my offer to Midland Credit Management. Failure to comply under federal law will result in a claim filed against you. 

Regards, XXXX XXXX
Consumer complaint received 2022-10-23
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: General Motors Financial Company, Inc. (NY)

A company by the name of GM Financial has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by GM financial before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX, is my name I had a forgiveness private loan cleared debt free paid off that was granted effective XX/XX/2021, as a result of a settlement agreement by the attorney general. The loans included in this settlement are listed below and currently have a {$0.00} balance. 
Loan was XXXX However my credit score states I owe {$85000.00} in debt and I can support my family with a bad score on a XXXX. 
When XXXX was paid off in full from the forgiveness program.. my credit score supposed to be a lease higher over XXXX Can you please solve this matter and straighten out my problem please
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CA)

At the end of XX/XX/XXXX, I called up Macy 's customer service to ask for balances on 2 gift cards that I had not used for a while. I was given the amounts and told that the cards were put in suspension because of lack of use. They advised me that if I provided contact information and copies of both sides of the gift cards, that they would unfreeze the cards within 30 days. I provided this information on XX/XX/XXXX via email which Macy 's acknowledged. On XX/XX/XXXX, I again called ( XXXX ) in customer service as my gift cards were still frozen as of that date. I was told to again submit the information that I had done previously and received a confirmation of receipt from Macy 's indicating that they will review the data and process accordingly. On XX/XX/XXXX, my cards were still frozen so I talked to XXXX in the Resolution Specialty Department at Macy 's who had me resubmit the information again and who specified my cards would be unfrozen by XX/XX/XXXX and that she would make a point of calling me back that date to verify it. She has not called me back. On XX/XX/XXXX, I spoke with XXXX in customer service and she again told me to resubmit the information that I had already submitted 3 other times. She advised nothing can be done without this submittal. I advised her that I will take it up with the appropriate government agencies since I could not understand how a worldwide known corporation such as Macy 's would not have the ability to put in place procedures that would comply with the laws of California. As more and more people use gift cards rather than cash, this is virtually stealing from those who buy their gift cards.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

In 2017 XXXX  ( the bank i was previously with ) failed. I was sent a statement for overdraft fees from a credit building plan i was unaware of. I was given a number to a bank I never did business with named First Citizens Bank. I have contacted/been inside this bank to pay them over over 10 times since 2017. My issue is they wont allow me to as they seem to not know who I should pay. This has caused me duress with my XXXX  reporting for a very long time. 





XXXX : XXXX Account : XXXX Date of closure : XX/XX/2017 Charge off amount : {$140.00} Old Bank Name : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone number : XXXX New Bank Information First Citizens Bank XXXX
Consumer complaint received 2022-08-14
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. (CA)

XXXX XXXX XXXX ( XXXX ) had pulled my Transunion credit profile without my permission on XX/XX/2022. And their manager also harassed me about they will pull my credit profile at XXXX and XXXX ( at that time I froze those two, but not Transunion ) So I want this credit inquiry should be removed from my credit profile. 

They tried to obtain my credit profile even though I said I had already been approved for an auto loan from the local credit union and they already got my documents. But Dealer tried and also did verbal harassment about I don't want to unfreeze my credit report ( because this is unnecessary )
Consumer complaint received 2022-08-14
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. (TX)

I, XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I sent out a letter to kindly ask all XXXX credit beaures to verify a credit report which it came back as accurate. I also did a a very good research on my own on my credit report just to find out that the information these credit beaures say its accurate was improper and inaccurate credit report. The Account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have also attached files below incluidng me sending out certified first class letters to these beaures.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

XXXX  Account 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 Child Support XXXX XXXX, CHild support XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX inquiry, 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 data XXXX XXXX XXXX XXXX. Has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-14
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$36000.00} ; XXXX XXXX XXXX : {$36000.00}.
Consumer complaint received 2022-10-14
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: General Motors Financial Company, Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 XXXX a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, GM FINANCIAL XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-14
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: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2022 we received an AMEX Credit card ending in XXXX to our address with a name of XXXX XXXX XXXX on the card, which was no one that we know. 
Rather than call the service number ( XXXX ) listed on the possibly fraudulent card, I called American Express Customer Service ( XXXX ) and struggled with the IVR that kept requesting info regarding my wife 's card which is a valid AMEX Card registered under my wife 's name at our address and at the number from which I called. 
But I was calling about a completely separate card that had been sent to my house in apparent error or fraud. Finally, I got through to XXXX ( ID # XXXX ) who transferred me to XXXX ( ID # XXXX ) with Account Security who said she couldn't help me and transferred me to XXXX ( ID # XXXX ) with the Identity Protection Team in the Fraud Department who said that AMEX is unable to tell me whether the reason I was sent the card was either an error by AMEX or a third-party fraud attempt, the latter case would require me to further investigate. She disconnected me insisting there was nothing further she could do. 
I called back, same issues with the IVR, but this time I was connected with XXXX ( ID # XXXX ) with the Dispute and Fraud department. I got disconnected from her but she was kind enough to call me back ; however, after investigating further, she ultimately came back with the same response that AMEX would be unable to tell me whether it was an AMEX error or third-party fraud attempt. 
Earlier, XXXX had suggested I call XXXX, XXXX or XXXX to check my credit. I am NOT the company with the $ XXXX Market Cap that sent XXXX 's card to the wrong address so I am not going to waste far more of my time investigating an issue with a third party when it was very possibly caused by AMEX errant processing!
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (RI)

Applied for Wells Fargo credit card, on line account opened, unable to check account and use for balance transfer, spent hours on phone with customer service and get the run around. Website mobile app down, unable to see my account or use it. I should as a consumer access account. I want to cancel card but it will affect credit score, hard inquiry. I want it removed fully like I never applied for it, a consumer should be protected from fraud and not being able to access account, yet a card was sent and no help from wellsfsrgo. Please help and tell me what I can do to get rid of this night mare. Never had any issues with credit until well fargo, other consumers have same complaint.
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FB FINANCIAL CORPORATION (TN)

First Bank mortgage issued a partial claims on my mortgage, and never sent me any paperwork about the final results. First Bank Mortgage acquired XXXX XXXX XXXX a debt collector in there company to harass me about the past due amount. First Bank Mortgage never sent XXXX XXXX XXXX  documents of the partial claims that First Bank Mortgage approved for my mortgage loan. Neither did I get a copy of the documents. Now, Im trying to sell my home, and the title company cant get any documents from First Bank Mortgage or FHA about the partial claims payoff. XXXX XXXX XXXX also cant seem to get the partial claim from First Bank Mortgage neither. I was supposed to close on my home on XX/XX/2022. Nobody can seem to get in contact with anyone at First Bank Mortgage or FHA HUD for a partial claims payoff. However, First Bank Mortgage and XXXX XXXX XXXX are trying to double charge me for the same past due amount. Some how the title company has a copy of the 2nd deed of trust on my home that I knew nothing about, and never received documents for the 2nd deed/ partial claim. I am a XXXX XXXX patient this stressful on me. I want the bank held responsible for their negligence and unprofessionalism