davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I paid off my mortgage with Freedom Mortgage Corporation ( XXXX XXXX XXXX ) on XX/XX/2023. The company confirmed that they received the payment on XX/XX/2023 and that the payoff amount included interest through XX/XX/2023. They also confirmed that they were charging interest on the mortgage at the rate of {$17.00} per day. Since I paid off the mortgage on XX/XX/2023, I am owed a refund of four days interest for a total of {$71.00}. I called their customer service department on XX/XX/XXXX to request a refund of the excess interest paid. The person I spoke to told me they did not issue refunds of interest after the mortgage payoff amount had been received. 
I then spoke to my real estate agent who handled the transaction. She confirmed that I was owed a refund of four days interest and that all mortgage companies refund excess interest charges after the payoff amount has been received. I then called their customer service department again and spoke to a different person who confirmed the above details of the transaction and said he would put a note in my file requesting a refund. 
However, I just received a letter dated XX/XX/2023 from their XXXX XXXX XXXX ( XXXX # XXXX ) stating that my account has been closed, with no mention of my request for a refund of the excess interest charged. 
I am requesting that Freedom Mortgage Company return the excess interest they charged in the amount of {$71.00}, as is standard practice with all other mortgage companies.
Consumer complaint received 2022-11-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Consumer complaint received 2023-05-07
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: CONTRACT CALLERS INC (NJ)

I Disputed These Accounts as Fraud CONTRACT CALLERS INC Opened XXXX & XXXX XXXX XXXX Opened XXXX & I would Like them to Be Removed Or Reported as Such as They Are In Violation Of 15 US CODE1681C-2 - a consumer reporting agency shall block the re- porting of any information in the file of a con- sumer that the consumer identifies as informa- tion that resulted from an alleged identity theft, not later than 4 business days.
Consumer complaint received 2023-07-13
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. (TX)

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.

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

15 U.S.C. 1681s-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 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (IL)

I was informed by XXXX XXXX of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. Several accounts that was not open by me. Are on my credit report. 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 these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with Peoples Credit informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX XXXX to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau XXXX also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This report serves as a formal complaint that XXXX XXXX XXXX is knowing and willingly reporting inaccurate and incomplete information on my consumer report. Pursuant 15 USC 1681a : Definitions ; rules of construction ( 2 ) Exclusions -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to15 USC 1666b : Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The notation of the reported late payments is inaccurate. This company did not do a full investigation on the matter and sent me incriminating evidence that further proves that said bank have violated my consumer rights and broken several federal laws. I requested to see all transactions and statements from XXXX XXXX XXXX  and they provided me with false and inaccurate information that is being reported differently within the credit bureaus. The information that was provided to me is not what is being reported. The bank did not verify these items and report them with accuracy. Experian is being reported as not more than XXXX payments as late. XXXX is reporting 60 days late for XXXX XXXX, 90 days late for XX/XX/2021, and 90 days late for XX/XX/2021. When in fact, if I did allegedly make a late payment, I could not have been 60 days late, when the reported delinquent date started in XX/XX/2021. That is inaccurate. XXXX is reporting as 30 days late in XXXX, 60 days late in XXXX, and XXXX days late in XXXX, if I did allegedly pay late, it should have been reported as 90 days late. I have uploaded proof of the inaccuracies. XXXX XXXX XXXX sent a letter stating that the account is 80 days due, and that is not what is being reported on my consumer report. The statement that the company sent me in the mail specifically states that I have XXXX late payments being reported and I also uploaded proof of said statement. Also I never received a 1099C form so that I may file the proper documents with the IRS. I have also contacted the Internal Revenu Service in reference to this account. This bank is now subject to civil because they fail to comply with federal laws.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$380.00}
Consumer complaint received 2022-12-06
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: CORELOGIC INC (VA)

Since XXXX, XXXX. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me XXXX, XXXX  XXXX  and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Consumer complaint received 2023-06-29
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)

This agency is in violation of 15 U.S.C. 1681i. They were to notify me of this in writing 5 days prior i was not. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identiy Fraud 3. ) Violations of 15 U.S.C. 1681i
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (OH)

Each time I have tried to sign into my account, I received the message, Contact Please give us a call. We cant complete your request at this time. Please call the Customer Care team XXXX ( XXXX ). '' Ive tried to access my online account for several months. I have continuedly and tirelessly contacted the customer service line. 

Every time Ive called, I am told that it will be escalated. However, I never received any updates or confirmation. In the conversation with a representative prior to today, Monday, XX/XX/, I was told the best solution was to delete my account entirely and sign up again after ten business days. The rep. explained that they had put in a request to delete my account. Again, receiving the exact same message when attempting to log on. 

XX/XX/XXXX  Ticket number : XXXX XX/XX/XXXX  Ticket number : XXXX Today, I waited on hold for a supervisor for one hour, which I found is not uncommon. The conversation began and ended similarly : my concerns would be escalated and prioritized. The supervisor also stated that they did NOT have seen other ticket numbers, but later stated that they only found one other ticket number. The rep told me I should receive an email update within ten business days. I also requested everything in writing. 

Todays phone call took one hour and sixteen minutes to receive no new information, no solutions, or resolutions, just empty promises and the same responses that they are unsure why I can not log into my account, and it shows that my account works fine on their end. 

This problem has hindered me financially, as I have been unable to see or dispute disparities on my credit report. This particular Credit Bureau continues to show a drastic decline, and I do not know why. This process has been draining, unsettling, and confusing.
Consumer complaint received 2022-12-06
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (FL)

Williams & Fudge has contacted me multiple times at my work number and to my personal number during working hours requesting that I pay them money for a debt to the XXXX XXXX XXXX XXXX Today being the latest, XX/XX/2022 at XXXX XXXX. They called my work office attempting to collect a debt. I also believe the debt they are collecting is false. I was forced to drop out of XXXX because my financial situation didnt allow me to work and do school. The money that they are trying to collect is from a XXXX that XXXX gave me because of my financial situation. It was a need based XXXX and I do not believe I should owe money on this regardless of dropping out.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (GA)

On XX/XX/XXXX, a summons from C/o Stenger & Stenger , PC ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ) was served at a relatives address on my behalf. After reviewing the summons, I noticed a few items that were incorrect that need to be addressed : # 1 The date the case was filed shows XX/XX/XXXX - that's approximately a year ago. The address in the summons is my previous address ( that was crossed out ) - I was NEVER served paperwork at that address. # 2 The address the representative at Stenger & Stenger read from my file was an address I have never resided at, heard of and is in no way shape or form connected to me at all. This was potentially an error from a paralegal or other representative from this law firm.

I called Stenger & Stenger to request a settlement of a negotiated/agreed upon balance due but was denied any type of settlement.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (NY)

To whom it may concern, I trust that you are doing well. I appreciate your intervention in my previous concernswith complaint ID # : XXXX submitted on XXXX I madeefforts contacting the XXXX  companyto give me an itemized bill that explains what bill I owe and the staff who received the call told me that the matter is with the collection agency and can not have a discussion with me. From my credit reports, it is visible that I pay all my debts in a timely manner. Am not refusing to pay any debts I owe but I need to know what I owe since my services were prepaid and when I changed my service provider, XXXX  was contacted before starting a contract with the new provider and how I have any pending bills with them needs an explanation. On XX/XX/, I received a collection letter from a different collection company by the name ; Frontline Asset Strategies , LLC. I contacted them by phone and talked to a staff member who was very arrogant stating that I have to pay the bill and gave an example of XXXX XXXX that you can get a bill even after closing the account and had to tell her that XXXX XXXX XXXX  are post paid while phone services are prepaid. I kindly request your office to protect me from these harassmentplease. 
Thank you and I'm looking forward to your intervention. 
XXXX XXXX
Consumer complaint received 2023-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I ordered a new bed from XXXX. The order total was {$400.00}. I was moving into a new apartment on XX/XX/XXXX and had discarded my old bed. I received an order confirmation email from XXXX stating the estimated delivery date would be XX/XX/XXXX - XXXX. On XX/XX/XXXX I received another email from XXXX stating the bed would be delivered on XX/XX/XXXX. Instead, the bed was delivered on XX/XX/XXXX and no effort was made by the shipper or the shipment company that the bed had been delivered two days early. Since I had not moved into the new apartment yet, I drove over to the building to retrieve my package and it was not there. Since signature delivery was not requested by XXXX, XXXX was empowered to leave the package unattended in an apartment building that I was not yet living in. I contacted the merchant, XXXX, who asked me to " wait for 3 days for the package to turn up '' which is unreasonable because XXXX packages don't just disappear and " turn up. '' I contacted my credit card company and filed a dispute, then I ordered the same exact bed from the same company. I had to sleep on the floor until my new bed arrived. I made my bank aware of all this, and submitted a signed letter along with 14 pages of documentation proving negligence on both the part of the merchant and the shipping company. I provided proof that XXXX ignored the signs in the building and left the package in the wrong location, I provided proof that XXXX advised me of one delivery date and actually delivered on a different date, and I provided proof that the same bed was purchased twice. Capital One has taken none of this evidence into consideration and has sided with the merchant twice, stating that XXXX reported the package as delivered. Whether or not the package was delivered to the requested address is not the issue, the issue is it was delivered two days early and stolen. I should not be held liable for a package that I didn't receive and I should not have had to pay for the same bed twice. They have reversed the credit on my account, despite the fact that the " investigation is still ongoing. '' They have also contacted the merchant and advised them that I would not be receiving a refund because " the bank has ruled the dispute as invalid, '' which contradicts what they told me.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

My name is XXXX XXXX a week ago I opened a single savings account and a joint account with Citibank. I used Citibank ACH feature to transfer funds from my small bank $ {$250000.00} to a single savings and {$500000.00} to join savings. Funds have posted and left my bank but Citibank closed my accounts blocked them and refusing to send back funds, They want hold {$750000.00} for 60 days then they will mail check in mail. They refuse return my own money sooner. Reason for us opening accounts was due their advertising of high rates for savings and we split across accounts to stay within FDIC limits.