davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I was in between moving homes due to my XXXX getting a new job. I notified pennymac that I was going to make a double payment in XXXX and not pay anything in XXXX My XXXX  is a co-signer on the house and he was not informed on this decision. I had no understanding that it would affect my credit score negatively. Once my XXXX  found out it was too late for him to pay it. They made no effort to reach out to him and notify him before it was considered a month late. My XXXX and I tried to talk with them and get a courtesy and forgive it but they said they don't do those even though we have a very good record and relationship with them. We found this very wrong and highly unprofessional on their part and we are trying to find a way to resolve this.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (NY)

on XX/XX/2021 i found out that someone cloned my debit card and withdrawal on XX/XX/2021 {$700.00} from my checking account using ATM in 3 separate transaction while i was home all day on that day. they used my pin number as well which i memorize never wrote down anywhere. bluebird by American Express denied my claim twice even after submitting police report and fraud deceleration form. they stating there is no error found. i need help to get my stolen money back and stop those criminals from doing that to another consumer.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

You broke the law Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look my consumer report I realized that my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I will no longer be extending credit and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness. 

Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). 

You did not insure that this information to accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my right to privacy. 

Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report. This alledged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not included i nmy consumer report and in fact is a violation of my consumer rights In your initial investigation I was never given the opportunity dispute.
Consumer complaint received 2022-07-08
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. (FL)

A request was submitted on XX/XX/XXXX to this company with a FTC report and police report to block this fraudulent information from reporting. These companies have failed to comply with the law. They are still reporting fraudulent information thats allowing me not to be approved for accounts that I actually need. My federal protected consumer rights have been violated over a course of months of me reaching out to these companies. They respond stating these accounts are verified when they have yet to send me any contracts with my signature on it. Please help me resolving this information.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (LA)

My wallet was stolen and card along with it. Person spent over XXXX $ on my account. CARD.COM is Stating that they will need 20 entire business days to handle my dispute claim. All they need to do is contact walmart.com to find out the order details to confirm this was fraud. How come this bank is going to make a customer wait an entire month to get money back when I have bills that need to be paid and cant wait an entire month. Is there anyway someone can help speed this process up for me?
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF THE WEST (WA)

In XXXX someone opened an account at Bank of the West using my personal information. I did not open this account. I have had no knowledge of this account. I did not give anyone permission to use my personal information. The amount owing on this account is XXXX My Personal information was used to open a credit card account with XXXX XXXX in XXXX. The amount owing on that account is XXXX My personal information was used to obtain cable television service through XXXX XXXX in XXXX. The amount owing on that account is XXXX
Consumer complaint received 2022-09-27
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (TN)

Fake US DEPARTMENT OF EDUCATION REPORTING ON EQUIFAX ACCOUNT - I believe equifax is in on it. 
Ive called the US DEPARTMENT OF EDUCATION AND PROVIDED MY NAME, DOB, and social security number and I dont have an account with them nor have I ever applied with them they cant send me a letter nor a fax stating that because I dont exist to the us department of education
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I have no outstanding debts owed reflected in my credit report. Yet I am getting repeated voicemails left at my work phone number. I have recordings of the message available, as I am now work from home due to the pandemic, and all voicemail messages are emailed to me. 

The most recent voicemail was XX/XX/21, and they leave messages 2-3 times a week. 

Transcription of the message left is " We have an important message from South West credit systems. This is a call from a debt collector. Please call XXXX at your earliest convenience. "
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2021-09-30
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. (MO)

I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond.

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT.

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

Hello, I am writing to tell my story about what happened at the TJ Maxx store on XX/XX/2019. This store is located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The reason I would like to voice my complaint is because although I called the store and complained to the manager and also their credit card company, nothing has been done to stop the illegal credit card application that was done by their employee. In fact, this woman is continuing to harass other customers the same way and when a friend of mine complained after I did, the manager told her that was their beat employee! 
On XXXX XX/XX/2019, I was shopping in the store and headed to the check out area. On the way there, a TJ Maxx employee came over to me and said no, no, Ill take you here at the jewelry counter and it will be quicker. So I went to her station at the jewelry counter and I did not have my TJ Maxx credit card on me and I will pay with a different card. She then proceeded to tell me there are special deals with your card and tell me your phone number and address and I will look you up, so I started giving her the information. When she asked for my social security number I became flustered and gave her the wrong number because I didnt know why she would need that information. She shoved a pamphlet in my bag with my purchase and when I got to my car, I realized that was a credit card application! So I had to go back to work, but I called the store on my way back and explained what happened to the manager. The manager seemed very sympathetic and concerned about the employee and said I should contact the credit card company. 
When I returned home from work, I called the Syncb/XXXX  dc credit company to try and not let them run my credit without my approval, but they said there was nothing they could do and they took the store information and thanked me for reporting this and that was it. There is now a hard inquiry on my credit report that I did not authorize and for a credit card I already have! It really bothers me to know that this woman is still employed there and may be continuing to do this to other people. I am in the process of buying a XXXX   XXXX  XXXX  home and really monitoring my credit.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NJ)

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked PHH to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and PHH continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.
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: Shellpoint Partners, LLC (CT)

I was a victim of identity theft with Shellpoint New Rez account numbers XXXX, Shellpoint New Rez account number XXXX, Shellpoint New Rez number XXXX, XXXX Account number XXXX, and XXXX XXXX Account number XXXX.
Consumer complaint received 2022-07-26
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX, I opened an account with TD Bank. I was enticed by their advertised promotion that offered {$300.00} for opening a checking account and having one direct deposit of at least {$2500.00}, and {$200.00} for also opening a savings account and depositing {$20000.00}. The terms stipulated this would be credited to my account after 140 days. 

After not receiving the bonus after 140 days, I followed up via TD 's online inbox system on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. I also exchanged several phone calls with TD, on XX/XX/XXXX, XX/XX/XXXX. 

They are denying the bonus because " the checking account does not qualify because the Customer earned a bonus on a previous account. Account xxxxxxxxxx earned a {$300.00} bonus on XX/XX/XXXX '' ; " A review of our records indicates that you have held checking /savings accounts with us in the past. Where this online promotion is for customers who are new to the bank, you would not be eligible to receive the benefit. '' The qualifications they are using are those as written *today* ( XXXX XXXX XXXX ), not at the time of account signup. The new terms state " Checking offer is not available to existing TD Bank checking Customers, prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months or Customers who received a bonus on a previous checking account at any time. '' which I agree would in fact disqualify me. 

However, the terms of the promotion when I opened the account on XX/XX/XXXX specifically allowed for older customers to qualify, as long as they had not had an account in the prior 12 months. The exact language was " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. I also confirmed this verbally ( that I would qualify ) with TD phone support on XX/XX/XXXX before opening the account. 

I've attached a copy of the XX/XX/XXXX terms. They can also be viewed on the Internet Archive which took a snapshot of the page on XX/XX/XXXX, XXXX which can be viewed here : XXXX XXXX XXXXXXXX : XXXX
Consumer complaint received 2022-07-17
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, XXXX 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 an account without my written instructions
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS US DEPT OF EDUCATIO XXXX not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a ci
vil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX XXXX  XXXX Balance : {$43000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$770.00} Medical XXXX Balance : {$220.00}
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (LA)

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I have a home mortgage loan through AmeriSave. My loan number is XXXX. 

The original loan starting on XX/XX/2021 was for {$320000.00}. 

I made two monthly payments for XXXX and XXXX of {$2000.00} each, meaning XXXX principal payments of around {$560.00}. 
I made a {$10000.00} principal payment in XXXX. 

That means the remaining principal balance should be around {$310000.00}. 

AmeriSave lists my outstanding principal balance as {$310000.00}. 

I have messaged them through their online portal 6 times since XX/XX/XXXX and no one has responded. I have called numerous times and spoken to AmeriSave representatives who say they will fix things and that they issue will be resolved within five days. Every five days, I check back in and things remain incorrect. The numbers often change but they are always incorrect. 

My next monthly payment is due on XX/XX/2021 and I do not feel comfortable sending this company anymore money. I have until XX/XX/XXXX to make a payment without penalty. I'm hoping to have this remedied by then. 

As a side note : AmeriSave incorrectly listed the address of my home on the loan documents. I have managed to change the mailing address but they have not changed the loan documents. The loan documents do not list the unit number. 

I tried to get that addressed during the run-up to closing and it was never fixed. Closing was a whole other ordeal, but I don't want to go into that right now. 

Thank you for your assistance.