davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Consumer complaint received 2018-12-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Visio Financial Services Inc. (NV)

I applied for a refinance for several investment properties and XXXX XXXX said I was approved after pulling my credit and taking an application. Now they have stopped returning all calls and emails and refuse to give me a copy of my credit report.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.
Consumer complaint received 2018-12-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lendmark Financial Services (OH)

I was denied SCRA by Lendmark Financial on two loans for two XX/XX/2018 XXXX XXXX XXXX XXXX in XX/XX/2018. I am an XXXX XXXX Service Member. I requested SCRA and the Loan Officer dismissed me.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have confronted XXXX  and TransUnion numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, XXXX and TransUnion my current, correct address several times but as you can see in the enclosed documents, TransUnion fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I am XXXX XXXX sister and legal guardian/Power of Attorney for XXXX XXXX XXXX- the account holder at Bank of America in XXXX XXXX TX. XXXX went into the VA hospital- XXXX XXXX XXXX XXXX XXXX XXXX TX in XX/XX/XXXX. He had XXXX XXXX XXXX  in which he became XXXX. He was transferred to XXXX, WI XX/XX/XXXX. XXXX is still XXXX which necessitated the State of WI appointing me his legal guardian. 
I tried to open a bank account as directed by the Social Security Administration and the Veterans Administration to transact his financial business and take care of his responsibilities. I was told by my financial institution that Bank of America National issued to outstanding reports of {$230.00} and XXXX on XX/XX/XXXX. I contacted Bank of America which is located in another state. I was told I had to come into their branch office with the documentation. I requested their fax process as I am not able to travel to  another state. I was denied. I have been getting the run around from their customer service to their fraud division. I have not been able to get this issue resolved. Bank of America does not have an adequate way of resolving issues for XXXX customers. I have tried to notify them of the fraud on XXXX 's account if the fees resulted after XX/XX/XXXX. I am trying to close the accounts and resolve the issues.
Consumer complaint received 2020-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE EXPRESS, LLC (OR)

My loan officer, XXXX XXXX, with Mortgage Express, and realtor, XXXX XXXX, told me to apply for an owner occupied loan, when they both knew that I wanted to rent the property out, in order to take care of my XXXX year old mother. The first loan I applied for with Mortgage Express was for a rental property loan. My offer was not accepted. When I found another home I put an offer on, they told me since I would eventually live in the home ( when my mother passed away ), to apply for a owner occupied loan. When the loan closed, and I informed my home owners insurance company ( XXXX ), they told me I needed a rental policy not home owners. When I contacted XXXX XXXX she stated she knew nothing about home insurance. I plan to occupy this home AND take care of my XXXX year old mother in her home, but I do not want Mortgage Express to do this to anyone else. XXXX XXXX has left threatening messages on my cell phone when I have asked to speak to her manager. She has been trying to intimidate me. How many other complaints do you have against Mortgage Express in XXXX, Oregon?
Consumer complaint received 2020-03-22
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. (CA)

I have not received any response from the bureau for 60 days now. this is just a complete disregard for the laws when a consumer files a dispute. I hope with your help this will not be allowed to happen again.
Consumer complaint received 2018-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp. (FL)

Around XX/XX/2016 my lease was ending and I was contacted by XXXX   XXXX XXXX, a local dealer who I leased the vehicle from 3 year prior. They offer to do my lease termination if I purchased a car from them. 
A couple of weeks later after setting up appointment, I went to the dealer, ended my lease and bought a new car from them. 
1 month later world Omni calls me saying I was late on my lease. They had not been notified that the car had been turned in at the dealership. THe dealer ignored my call for a week and finally 45 days later they admitted the had no idea where the car was. 
Once they finally found the vehicle it appeared that the car had been driven by someone during this time. THe financing company said there was wear and tear above and beyond normal and they wanted to charge me for this.
Consumer complaint received 2018-12-13
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. (NY)

I have deep concerns over fraudulent practices, no accountability, and poor costumer service at XXXX XXXX. Based on my personal experiences, and after several attempts by phone, I am taking the opportunity to notify in a formal manner my frustrations in reference to the unfair experiences that I had been dealing with for the past five ( 5 ) months.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Please reference your prior claim ID XXXX. Shortly after submitting that claim I received an apologetic letter from XXXX XXXX at the executive response unit of Citibank N.A. in XXXX XXXX. Please see your CC in file. He said the {$400.00} was legitimate and apologized for the delay. He said to send my XXXX ( again ) form to XXXX XXXX. I had already done that with a form for my wife who is a joint owner of the accounts. That was two weeks ago. The {$400.00} bonus payment has not been paid. Two days ago ( XX/XX/XXXX ) I received a letter from XXXX XXXX via regular mail dated XX/XX/XXXX!! I quote from that letter : " Thank you for providing your tax certification Form XXXX. During the tax validation process, we identified the following issue that resulted in the rejection of your U.S. tax certification. The federal tax classification box selected it inconsistent with the name provided on line 1 of your Form XXXX. Please complete and submit a corrected tax form. '' I have NEVER seen nor filed a Form XXXX which is for NON U.S. citizens. They may have confused me with another customer or else this is another deliberate stonewalling delay to deprive me of my {$400.00}. I have telephoned Mr XXXX ( XXXX ) repeatedly only to leave voice mail. All my calls remain unanswered. Please help me.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Earlier this month I had applied for a XXXX college loan for my son, as I do each year, and was told by the college treasury office to contact Equifax due to a 'problem ' with my credit.

Upon calling Equifax numerous times I was told by the Equifax customer rep that my SSN, name, and address do not match any file in their system. I was told to submit official identification as proof of SSN, address, name and I did so.

I have followed up repeatedly for progress on correcting this issue and each time I am told that there has been no change and there is no additional information they can share with me.

Note : I have had credit established with each of the three credit reporting bureaus for +30 years and never had any issue with fraud or errors. I have no such problem with XXXX or XXXX so I don't understand why this is happening and have no response from Equifax as to whether this can be corrected.

Please help.
Consumer complaint received 2020-10-20
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: CITIBANK, N.A. (MD)

This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my credit report.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I reached out to my servicer, Fifth Third to inquire about having the PMI removed from my mortgage loan. 

They said it would require a re-appraisal. 

Scheduled appraisal and appraiser visited on XX/XX/18. 

Request for PMI removal was denied I received a copy the appraisal and around XX/XX/18 and noticed the appraisal was incorrect and did not have the correct bathroom count. 

Notified 5th 3rd on XX/XX/18 that the appraisal was incorrect. Then notified numerous more times. They gave me the runaround for 2 weeks and it sounded like it was not going to get corrected and I would just have to deal with it being wrong and the PMI cancellation request being denied. 

XX/XX/18 I received notice that the appraisal has been corrected and the PMI has been removed. 

They still will not tell me the appraised value. 

I have requested for a copy of the appraisal numerous times and have not received it. I need the appraisal and it is now going to be considered aged.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2018, I applied and was approved for the American Express Business Gold Rewards card. The terms of the application specifically stated that I would earn XXXX Membership Rewards points after I spent {$5000.00} in qualifying purchases on the card within my first 3 months of card membership. At no point during the application process was I told that I was ineligible for the XXXX points bonus. 

After I was approved, on the same day ( XX/XX/2018 ), I chatted with an Amex representative to confirm the terms of the XXXX points offer and the date by which I had to finish spending the {$5000.00} to qualify for the offer. The representative confirmed the offer and provided me the date. 

By XX/XX/2018, I had finished spending the requisite {$5000.00} but had not yet received the XXXX points. I decided to chat with American Express to ask about the status of these points. I was told by the representative that the welcome bonus offer had been removed from my account after my previous conversation on XX/XX/2018. 

At no point was I informed by American Express that this offer had been removed from my account. I was not told during the application process that I would be denied the bonus, and it was furthermore confirmed by an American Express employee on XX/XX/2018 that I had this bonus attached to the account. 

This is a complete bait and switch by American Express since I received confirmation of the bonus and then it was silently removed from my account. I would not have applied for this card, let alone spent {$5000.00} on it, had I known I would not receive the XXXX points -- this is the whole reason why I confirmed the bonus attachment on XX/XX/2018. I believe I am owed XXXX points by American Express.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2018, I made an online payment on JCPenney 's storecard for the amount of XXXX XXXX. For some reason, the website was slow to respond and I tried to restart from the very start and try the payment one more time. After refreshing the page, I received a payment confirmation that payment went thru. A day later on XX/XX/2018, I received a note from my bank notifying me that I already have a negative balance. I called JCPenney 's Synchrony Financial the next morning informing them of the mistake and requested that they expedite the refund. They told me to fax my bank statement showing that the amount was actually debited from my account and they will consider the refund. I faxed them the statement that very morning. I followed up 2 days later and they informed me that they just started a case for my request and it will take 2-3 weeks to process the refund. I begged for them to expedite. I contacted them a day later to plead my case one more time and sent them a faxed letter, pleading for them to expedite my case one more time. Still no answer. Still no confirmation or case number was provided. I just dont understand why it will take this long to process a reimbursement, and why there are no security measures on their online payment system to prevent accidents like this.
Consumer complaint received 2018-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Altitude Community Law P.C. (CO)

my complaint is against Hindman Sanchez now Altitude Community Law PC. They have violated many laws in dealing with me since XX/XX/XXXX. The most recent one is financial fraud. They obtained my home for their client XXXX through a sheriffs sale. The judgement was a default judgement whereas I provided the court with a Dr. note prior to trial date as I was hospitalized with XXXX. The judge was close friends with the plaintiffs attorneys and ruled against a continuance.

Nonetheless they proceeded to a sheriffs sale on XX/XX/XXXX. they received the confirmation deed on XX/XX/XXXX.  they filed an intent to cure on the foreclosure of my first mortgage public trustee sale # XX/XX/XXXX-XXXX in XXXX county as they are entitled to do. This is where the financial fraud occurred. they sold and transferred ownership of the home on XX/XX/XXXX to XXXX XXXX. Colorado foreclosure statutes requires each junior lienor to file their own intent to cure. XXXX XXXX didn't file an intent to cure and acted under XXXX XXXX cure which is illegal under Colorado law. In speaking the XXXX county office they are clueless and thought the HOA cured the default. XXXX XXXX illegally cured a property he wasn't entitled to cure. Please help??
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

I submitted a complaint in regard to this company having this bill on my credit report. In my complaint I advised that this was not my bill. I have never had XXXX before in my name. The company sends me a bill stating verification of a bill. This is not a VALIDATION that this bill belongs to me. The bill has a name and an account number. There is no signed contract submitted, there is nothing of personal information that validates that this is my bill. The only thing on this bill is my name XXXX XXXX. A debt collector my not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. So with this being said I have attached a letter of VALIDATION not VERIFICATION which is what they sent to my and will also be sent in an attachment as well.