davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately. 

South Carolina Student : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-31
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)

XXXX XXXX and XXXX XXXX XXXX  are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

A recording on XX/XX/XXXX, Citibank and Borrower, XXXX XXXX XXXX, created an equity line of credit for {$130000.00} on my property : XXXX XXXX XXXX XXXX, # XXXX in XXXX XXXX, California XXXX. Loan #  XXXX. 

My name is XXXX XXXX XXXX, the current owner of said-residence above. XXXX XXXX sold this property to me and it was transferred to me on XX/XX/XXXX. There were no records of the Line of Credit that XXXX XXXX and Citibank had created a month before she sold the house to me. There were no public records of the HELOC during escrow nor after. It was recorded by Citibank on XX/XX/XXXX. 

Unbeknownst to me, I have agreed to sell this property to Buyer : XXXX XXXX and it was scheduled to close tomorrow XX/XX/XXXX. However, we are blocked by this cloud on my condo and I tried to reach XXXX XXXX to no avail. Then, we have our Title Officer, XXXX XXXX faxed over the Deed of Trust to CitiBank XXXX XX/XX/XXXX/XX/XX/XXXX, as suggested by their customer service, yesterday. By policy Lenders would not talk to anyone of us but XXXX XXXX. The previous title company can not get involve due to the recording of the Deed of Trust. It was recorded 6 months after the Transfer Date. So far, we have not heard from Citibank. 

We now have a big problem on our hand. Buyer, XXXX XXXX, has made plan to move in after tomorrow. I need this cloud on my property to be remove, ponto! 

Can you please call Citibank XXXX, opt. XXXX ( when they ask for loan #, XXXX XXXX # XXXX # XXXX #. ) Please contact me, XXXX to let me know that you have received this complaint. Today, if not sooner! Email : XXXX. 

I will appreciate your prompt attention to this matter.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, Experian, and XXXX. XXXX has my opening date as XX/XX/XXXX ; whereas, Experian, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Dear Bayview, Your time is appreciated giving attention to matter. I am not receiving my tax documents - the tax is going to the wrong person and address. I have tried to correct challenge directly with tax accessor office multiple times. The tax roll confirms payments are coming from Bayview however credit is going to wrong person and address. I am not sure how to correct. I need corrections for refinance/modification. When information is corrected would you provide copy of tax document or record from tax accessor office with my name and address. Again your time valuable in assisting with matter. XXXX XXXX
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital Ones campaign of discrimination against me because I am XXXX continues. The company offers a feature that allows you to change the image on your card. I first submitted the XXXX  colors and was denied because they said it was a flag, though I purposefully made sure there was no flag border. When they rejected it, I filed a CFPB complaint. The woman who handled that complaint at Capital One had no idea what she was talking about, saying it needed to be licensed from the XXXX company. There is no XXXX company, we are simply a community that uses a set of colors for pride, but she was too ignorant to understand this. Now I have uploaded a picture of the White House in rainbow colors and even though this is not a flag in any way, they rejected it again. Clearly, this is for no other reason than they do not want their cards to have anything to do with the XXXX community, even though they happily take the money of their XXXX customers, because the image does not seem to violate any of the other image requirements. The hate and discrimination towards the XXXX community by Capital One is astounding. How they can reject an image just because it shows pride for the XXXX community, or any group, is beyond me. Clearly they dont want any support for the XXXX community on their card because of the hate they harbor towards the community.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

XXXX has inserted false information on my Experian credit report that is false. They claim I owe for classes I never attempted. It is an old account from 2010 and I have tried numerous times to have them correct the information. Their claim is that I was signed up for the classes and thus owe them. I never attempted the classes and thus the fees are illegal. Information needs to be removed.
Consumer complaint received 2018-05-31
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. (SC)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be  entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the  FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in  this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or removed immediately. 

South Carolina Student : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX -- Bank of America closed a line of credit for {$16000.00}, with no formal notice or explanation. Received email and letter in mail, 1 and 4 days after the fact, notifying of me of this closure. 

XX/XX/XXXX thru XX/XX/XXXX Contacted Bank of America customer service via phone, and they refused to provide definitive motivation for the closure of my 14 year old credit card account. After speaking to 8 differnt representatives, including mangers, was informed to check my credit reports with XXXX, XXXX, and XXXX. Viewed all 3 reports online and no delinqencies over the past 16 years were listed. Relayed information back to Bank of America and was told that it could be due to inactivity, degrogatory marks, or deliquency, none of which I have. 

I am only seeking transparency as to what flagged a closure of this account as do not want to apply for a credit card and be denied for these same " mysterious reasons '' as Bank of America refuses to confirm or deny.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

On Wednesday XX/XX/XXXX I called to Equifax consumer affairs to fix incorrect information on my credit report I was told to fax supporting documentation to them and I did that and they still did not properly fix my report. Today I call after getting alerts from my fico that several inquiries had been on my report that were not up there previously I ordered a new report with my fico to find that Equifax had changed my date of birth to an incorrect date of birth. I call them back and they tell me that they can not change the date of birth unless I send them something with my date of birth on it. preferably my ID. I had already sent them this back in XXXX when they asked me to, and now every time I ask have to call them I have to send in more information. This is really getting so frustrating its nerve wrecking, its literally causing me very bad emotional distress. They get to be over my credit file but don't get to make sure that they are keeping it accurate. They constantly mess up my file, and don't care. I have 3 collections on my report that were removed back in XXXX that reappeared. They claim they have no record of the accounts not being removed from my file, but told me same thing about another account then i found the confirmation number for that account of an item that was deleted then they found that one. I have filed the identity theft report with FTC and will include that with this complaint. They keep letting old accounts, addresses and and names reappear on my credit report even after removal. I have been trying to ask them why is my account in the office of consumer affairs they will not tell me an exact reason, they will only tell me that its because it is. Every time I ask to speak to a supervisor they all tell me that they are supervisors and that they are the only ones that I can speak to.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (AZ)

XXXX. Not my account. 

This situation has been ongoing for so long, I do not even know when it began, but do know that I am very ill and XXXX at the time and over XXXX. 

I could hardly believe I received another collection letter recently, thinking after speaking with XXXX a few times, that per them, all was corrected. I have had the same phone number for many years, 14+. I started getting billed first from XXXX and then the collectors. 

The statement amount if for {$470.00}, dated XX/XX/2017, which was sent with the collector letter. I.C.System, account # XXXX, ref # XXXX. {$94.00} of this amount is for a collection charge. 

I realize one could talk until they are blue in the face with people like this to no avail. Well, I buy cheap phones and keep my bill down. I do not know how this occurred, but want the harrassment stopped.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

My father, XXXX XXXX passed away in XX/XX/XXXX. My loan was previously at XXXX XXXX XXXX and sold to Carrington Mortgage Services. They changed the ownership back to my deceased father. 

I sent them a copy of my father 's death certificate. I was told I can not speak unless I have executor or small estates affidavit. In the mean time, I contacted XXXX XXXX and was told to fax my birth certificate showing that I am his son along with a password to a specific fax number. I did this. This was back in XX/XX/XXXX.

It is now XX/XX/XXXX. I still can not speak on behalf of the mortgage loan. Furthermore, there is now a financial error in my mortgage. My statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX shows that I owe XXXX as my regular payment. 

I paid this amount. The statement came dated XX/XX/XXXX with payment due date XX/XX/XXXX. Now they show I am 2 payments behind. They took my payment from LAST MONTH and put it in unapplied funds. I send the correct amount based on the statement that was sent to me, and they are now saying I have over due payment for XX/XX/XXXX Payment plus the XX/XX/XXXX Payment. I am attaching the statements for review. 

I am not allowed to speak with anyone. No one can resolve my problem. I am very, very concerned about this. Furthermore, they are EXTREMELY RUDE and wanted to slam the phone down on us when we tried to call them. The women 's name was XXXX and this is in the Customer Advocate Department. I am attaching all copies of correspondence I received and sent to them. I need help. 
I am waiting to see if I will receive a return call from XXXX XXXX, who was left a message today XX/XX/XXXX to return my call. Also, she failed to follow up on this issue. It was left unresolved and unfinished. 
Thank you
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX XXXX XXXX XXXX XXXX agency put a collection account on my credit file without notifying me or anything. I have no idea where this debt came from. It is a phantom account. I wrote this collection agency and asked them to validate this account and where it came from. They have not responded to me and are still reporting it on my credit. it has now been 90 days.
Consumer complaint received 2018-05-31
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. (TX)

OnXX/XX/XXXX, I sent Transunion proof of a document with a dispute. Transunion is reporting I have 12 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623,  Transunion is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the XXXX XXXX XXXX, which is over all the student loans.I know for a fact because I just did another one recently. Transunion is reporting 4 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Transunion has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.
Consumer complaint received 2018-05-31
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 (NY)

I am writing to make a formal complaint and request that American Express honors the advertised sign-up bonus for XXXX XXXX credit card that includes one free weekend night andXXXX XXXX  XXXX XXXX points, which were not credited to my account.The details of the advertised sign on bonus are available in the screenshots of attached document.

I submitted a new application for XXXX XXXX credit card at American express website www.americanexpress.com in the beginning on XX/XX/2018 and met the spending requirements within a month. I contacted customer service via chat and phone multiple times and they told me that I was not eligible for any of the advertised bonuses because my application was processed as a product change/upgrade and not as a new application and on their end. I spent about a month talking to customer service representatives and supervisors via chat and phone with no progress and no resolution date. Every time I contact American express I deal with a new representative and have to start from scratch. I mailed a formal complaint ( attached ) to American Express corporate offices, but received no answer. Please assist. Thank you
Consumer complaint received 2018-06-01
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. (HI)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX/XXXX XXXX
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I have contacted Experian several times via phone, online and via first class mailings on many occasions in regards to 2 accounts that i have never did any business with and did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively.I am trying to refinance something on my credit report, and it makes it difficult when they're checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over. The company needs to either need to send proof of validation or it needs to be removed.These account does not belong to me.The following accounts that are reporting are : XXXX XXXX XXXX with a balance of XXXX and XXXX XXXX XXXX with a balance of XXXX
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Every time I call customer service I must wait on hold for at least an hour to speak to somebody. This is a hardship because I am at work and don't have an hour to wait on hold! They offer to call you back if you can't wait but sometimes that takes hours and you may miss the call. This basically makes it impossible to get service. I'd switch to different service if I could, but what choice do I have?
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX