davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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: AMERICAN EXPRESS COMPANY (NY)

I applied for my credit card and it never arrive. I have never done or attempted to do business with these two merchants " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$55.00} XX/XX/XXXX XXXX XXXX XXXX NY {$150.00} I contacted American Express to dispute my card, they closed my case for no reason.

These are fraud charges. They should suspend those two charges.
Consumer complaint received 2024-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XXXX I was notified that my homeowners insurance was increasing. Lakeview has their system structured to always pass along the largest payment increase possible to the homeowner. So, they pay the full insurance increase for the year in advance and then charge the homeowner double the increase each month. It was confirmed to me by a staff member there, that they do this in hopes that it will cause the homeowner to default, so they can steal their home. The increase in my insurance was set to cause my monthly payment to increase from {$1500.00} per month to {$2100.00} per month. So, I changed insurance carriers immediately and requested that Lakeview do an escrow analysis with the new insurance premium. It came back still at {$2100.00} per month, despite a much lower premium. I asked and they said it was because they had paid the premium up front and had not been reimbursed. So, I contacted the insurance company, and they confirmed that they had received {$7500.00} from Lakeview. The insurance company sent me a check for XXXX, which I deposited and then contacted Lakeview to make the payment to them. They said that amount was low and that I actually owed them {$7700.00}. So. despite the fact that that was more than they paid, I went ahead and paid them {$7700.00}, just to be 100 % sure that I was completely paid in full. Then I asked them to do another escrow analysis, so I get my new, correct payment amount updated on the website. While I was on the phone with them, I asked for a quick calculation, and they said it should be approximately {$1600.00}. I waited two weeks and then checked the website yesterday and it still showed my payment due as {$2100.00}. So, I called today and asked why my payment had not been updated. This time, they said it was because I owed them money from property taxes. I am a XXXX XXXX XXXXXXXX Veteran and do not pay property taxes. So, how is it possible, that I owed this this inflated payment, first because of an insurance increase, then, because of the Insurance refund, then I owed them more than the amount that they paid for the insurance in the first place, and now because of property taxes, yet the exact amount that they say that I owe them has never changed buy XXXX single cent? I finally went ahead and paid the {$500.00} overcharge today, so I would not be in default. However, that makes a total of {$750.00} that I have been forced to pay them, that they have no logical explanation for! I am a XXXX Veteran, on a fixed income, and they are stealing money from me and trying to steal my home!!!
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stuart-Lippman and Associates, Inc (GA)

The company sent me a letter saying I owe a debt to their client..I sent them a debt validation letter In XXXX to which they called me left me a voicemail saying the debt validation letter was not valid and they did not have to comply with it ... to date this company keeps calling me and I do not have a contract with Stuart Lippman and I want them to stop contacting me until they validate the debt and show me my contractual obligations with them. They have not validated said debt and I want them to stop harassing me.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Lawson Hamilton & Associates (CA)

I contacted Lawson Hamilton and AS I reference to a medical collections account and it not belonging to me. They verified that the birthdate and social did not match my information however the account remains on my credit report. I have asked them several times to remove it since it does not belong to me. This is causing me to have a negative item on my credit report and not being able to qualify for a home loan
Consumer complaint received 2024-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (GA)

I submitted a police report also a ftc report and to all 3 credit bureaus they told me they will submit it to the debt collectors I also submit my self to the debt collectors they completed the dispute and said it will remain on my credit report even after I explained I spoke to XXXX XXXX XXXX but I cant get in contact with westlake which is the other debt collector they refuse to remove it but I cant get anyone on the phone they also sold my debt twice! And gave me other numbers to call because they told me they dont own it anymore! XXXX XXXX XXXX still say they will remain on my credit as well
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MI)

I was first notified by Sequium Asset Solutions , LLC saying I had an open balance with XXXX for {$470.00}. They assigned me an account # XXXX. 
The account was opened by them on XX/XX/20. They contacted me 2 times in XXXX  and I told them on both calls I was disputing the claim because I had no balance with XXXX. 
I began getting bills from Sequium in XXXX. Reference #  XXXX, for the amount of {$470.00}. 
I have sent Sequium 2 letters, the first letter was sent XX/XX/2020 the second letter was sent on XX/XX/2020.

Both letters asked for validadation of debt and giving them a formal notice that this claim was being disputed. The letters were sent certified mail with returned signature. 
I got no futher calls or correspondence, and the account is now in collections and adversely effecting my credit. 
The amount owed is different.
Consumer complaint received 2020-05-08
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. (FL)

I pay Experian to monitor my credit file. And even though I pay Experian for online access to my account and to dispute items online, Experian blocks me from disputing online a fraudulent account being reported by XXXX/XXXX XXXX XXXX. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to XXXX/XXXX XXXX XXXX reporting of a mortgage paid late allegedly owed by me. I contacted Experian on XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX, XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, XXXX disputing the account to XXXX and Experian and providing them both police reports they say they never received. 

Under the FCRA fraud victim rights, when a credit bureau/ credit reporting agency is notified of an account as fraud the account is supposed to be blocked by that agency/bureau during the  investigation. Upon receiving proof of the item as being fraud it is to be removed. 

I provided Experian with a police report that identified XXXX/XXXX XXXX XXXX as fraud. I also disputed it with and provided letters of dispute sent to XXXX XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

Experian sends me a dispute completion notice stating that I should have known this account and that they verified it as mine when I AM THE VICTIM OF FRAUD. I tried numerous times to continue my dispute via online but I WAS BLOCKED EVEN THOUGH I PAY THEM FOR THIS SERVICE. 

Under the fraud victim rights according to the FCRA, I a entitled to have this account blocked as I have identified this account as fraud and I have provided a police report indicating such. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to Experian in reporting of this fraudulent account as it is defaming and willfully harming me as a consumer. I also requested a personal statement be added to the XXXX account in my credit file specifically stating that " XXXX account is Fraud ''. 

I provided Experian with the cease and desist I also sent to XXXX/XXXX  XXXX XXXX in their reporting of this fraudulent account to Experian.
Consumer complaint received 2024-11-01
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-09
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. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2020-05-08
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. (SC)

I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Original creditor : XXXX XXXX XXXX Account number # XXXX amounts # XXXX This account is not my responsibility, it is the responsibility of the medical insurance at that time, I demand that it be investigated, corrected by the 3 credit agencies to be eliminated ... Immediately I hope that it will be collaborative since I am due to the worldwide medical situation. it is affecting the possibilities of being able to be emotionally at peace please ask for your collaboration ....
Consumer complaint received 2023-08-12
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. (FL)

My rights are being violated under 15 U.S Code 1681b and 15 U.S. Code 1681c-2 for the following accounts See Attachment ....
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

I was denied for a new credit card due to " existing or previous '' late payment on a Citi account per my XXXX credit report. I immediately pulled my credit and there are no late payments at all. I never had the card they claim. Citi will not give me a case number or a way to follow up. They verified the fraudulent card is under my social security number but they just keep saying it's under investigation. In the mean time, I was rejected for credit and am concerned about the security of my data. Citi will not help me even though I am not at fault. I can't get a phone number to directly speak to anyone to follow up.
Consumer complaint received 2020-05-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : EQUIFAX DISPUTE CENTER XXXX XXXX XXXX XXXX, GA XXXX Re : Reporting Fraudulent Unauthorized Credit Inquiry To whom this may concern, I am writing to formally request the removal of unauthorized credit inquiries from my XXXX credit report. Upon reviewing my latest credit report, I discovered ( 8 ) eight credit inquiries that were not authorized by me. These inquiries are in direct violation of 15 USC 1681C-2, which mandates their immediate removal. I kindly ask for your prompt attention to this matter and for the necessary actions to be taken to rectify this issue.
Consumer complaint received 2020-05-08
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. (RI)

I just submitted a complaint for this problem and experian only addressed 2 of my 5 fraudulent account disputes ( after saying they were addressing them ALL ) then closed out the complaint. This is unacceptable. I am going to re list the remaining disputes I need opened. They also completely ignored the fraudulent address on my report. 


Iwas the victim of ID theft a few years back and have managed to get this fixed up with XXXX  and XXXX, however EXPERIAN   refuses to delete the erroneous accounts and addresses on my reports and will not even allow me to dispute anymore! I have sent my IDS, social security card and Address verification to make sure its in accordance with the FCRA. There are now 2 accounts left that are not being disputed that are not even mine listed as negative and 1 address I have never ever lived at. The fraudulent address is listed  as - XXXX XXXX XXXX, XXXX XXXX, ri, XXXX, The 2 remaining fraudulent accounts that disputes were not opened by experian  are are XXXX XXXX credit card, and XXXX  XXXX XXXX Account. I have disputed all of these with the proper documentation and experian  is the only credit bureau not following the FCRA for me.
Consumer complaint received 2020-05-08
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. (CA)

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7400.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Needs to all removed from my credit report, all the lates were completely inaccurate
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

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.