davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

I originally experienced a hardship due to loss of income due to covid. My original servicer " XXXX XXXX '' placed my account on a forbearance, and later transferred the loan to Selene Finance. I was caling and calling to get the correct amount owed NO RESPONSE. They filed a notice of default. I made trial payments for 3 months, they sent documents for a loan modification. on the loan modification documents they included a balloon payment for XXXX I have asked them for over 4 months how they calculated a balloon payment for XXXX? NO ONE HAS ANSWERED that question. The just keep telling me " underwriting came up with those figures, they are professionals and we are not changing it '' They then asked me to make more " trial payments '' and that they were going to send me new loan mod documents in mid XXXX for a payment due XX/XX/1922. So imagine my surprise when they put a notice on my door that said my home would be sold on XX/XX/XXXX! as early as XXXX i was still communicating with them and waiting for loan documents. Additionally, they included with the loan modification a " balloon payment rider '' that says if the loan is refinanced the " balloon payment '' would be forgiven BUT the language is so ambiguous it doesn't make any sense. They have not responded to my request and instead told me my choice is to pay the reinstatement, pay the loan off, or lose my property. How is it ok for them to make up figures and tell me go for this fraud/lie or lose my property
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND CREDIT MANAGEMENT I have written and call serveral times to get this account removed from my file, it was a result of fraud and/or id theft. I have called and written XXXX trying to get this removed
Consumer complaint received 2022-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NJ)

Upon receiving loan modification in XX/XX/XXXX we agreed to the terms within the modification agreement. We had the modification agreement signed and notarized by all parties necessary. We return the modification agreement to the lender, they reviewed it signed and notarized it. The agreement was then recorded in the local county on XX/XX/XXXX. 

The agreement is now not being honored by the lender, they said that there was a notary issue. I was uncertain of the notary issue when I was sent out the same modification letter in XX/XX/XXXX. When I received that modification agreement, I contacted them and was told it was sent an error and to discard it. Now Im being told that they will not honor the original agreement from XXXX because of a notary error. If there was a notary error, why would you notarize and sign it to begin with? If there was a notary error, why would it be recorded on public record in my local county? Please remedy this ASAP.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I have paid off my car loan with Nissan Motor XXXX. For a 2017 XXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

New Rez mortgage company purchased Wind & Hail insurance on my behalf for the period of XX/XX/XXXX - XX/XX/XXXX after I had already provided proof of insurance and charged me {$250.00} dollars for this coverage. This was from an insurance company called XXXX XXXX XXXX XXXX XXXX. XXXX that do not cover Wind & Hail for the state of Texas. I understand that Wind & Hail is a requirement for my area, and I delayed in purchasing this insurance because I was waiting on my XXXX Certificate for proof of a new roof I had purchased in XXXX. I looked at all my refinance documents and nothing told me that that I could not have a window to purchase insurance. The documents New Rez mailed to me also did not specifically say this. My refinance documents state that I must cover Home and Fire, which I provided proof of coverage for in XX/XX/XXXX. 
I receive a letter from New Rez on XX/XX/XXXX, which says they plan to buy insurance for my property. My insurance agency provided proof at that time. On XX/XX/XXXX I received a letter from New Rez that says The-lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX. On XX/XX/XXXX they purchased insurance anyways for dates that were no longer relevant. The WRONG type of insurance.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (CA)

I have sent a request to Experian, XXXX, and I can not submit a dispute with XXXX ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with XXXX, they always seem to have problems with completing any type of dispute. Experian is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES EXPERIAN XXXX AND XXXX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA XXXXECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT. 
I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )
Consumer complaint received 2022-08-25
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. (MD)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2022-08-25
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. 
I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-08-25
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (NY)

Called on XX/XX/2022 at XXXX from XXXX XXXX XXXX. 
Text stated that it was the PayPal Fraud Department and that my XXXX XXXX has been deactivated due to the fraudulent activity on your account please call us back asap at XXXX XXXX. 
I called the card and they stated that there were no unauthorized charges on my account. This was a scam call. I was directed by PayPal to your website.
Consumer complaint received 2022-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

My problem is with Equifax and XXXX Reporting Bureau, a while back I disputed some issues on my credit report. I requested my annual credit report and could not get it from either one. I later found that Equifax has a Credit File Status Blocked for Promotional Purposes. I was not told what this means and had no contact from either company. I am using XXXX XXXX XXXX XXXX and they been fantastic, but I wonder are the credit companies punishing me for challenging or making a dispute? There has been no follow up whatsoever when I contacted them.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been paying a consistent interest payment for months of {$270.00} Suddenly in the last two months the interest payments have gone up $ XXXX each time and the balance on the card has not change in years. On my current statement is now {$320.00}. I have expressed this problem to Bank of America and have not gotten any satisfaction or relief. This pattern is very concerning to me that Bank of America can just increase my interest payment every month I do not have any recourse. This activity seems very fraudulent to me and needs to be investigated. We the consumers are at the mercy of these institutions. Please Help!.
Consumer complaint received 2022-08-25
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-04-16
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. (CA)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2022-08-25
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (KS)

I have been disputing a charge since XX/XX/2023 thru Golden Sachs as my rental car service cancelled. XXXX XXXX XXXX charged me for 1 day for including fees and taxes {$85.00} whereas Golden Sachs which is Apple XXXXCard is keep on charging me back for 3 days for {$230.00} even though i am providing them with a receipt from XXXX XXXX XXXXXXXX  that stats they only charged me {$85.00}. Its my 6th time with them since XXXX.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

Our company, XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to the nature of our business model and the typically larger size of our goods, clients are required to pay cancellation and restocking fees if they decide to cancel an order late ( for instance when it has already been shipped out ) as is the case for the client I will describe below. This fact is made clear in cancellation section of our terms and conditions page which I will link here : XXXX XXXX XXXX # cancellation Regarding the client in this case, the made a purchase ( XXXX XXXX ) through our website on XX/XX/2022 and paid by American Express. The order was shipped out on XX/XX/2022 and delivered on XX/XX/2022. However, upon the delivery by XXXX, which we do have tracking for, the client refused the shipment and it was, therefore, sent back to the warehouse of our supplier. At that point, XXXX incurred shipment and re-stocking fees from the supplier. 

Then, on XX/XX/2022, the client filed a chargeback against XXXX for the full {$2100.00} order amount. On XX/XX/2022, XXXX requested a reversal but was denied. XXXX has also tried to contact the customer in this case to resolve this issue amicably to no avail. 

Our company 's concerns with this process, and specifically with the actions taken by American Express, are the following. 

1. How is it not a conflict of interest to have a consumer and their credit card provider deciding whether or not they should be able to take money out of the account of a 3rd party/business? Of course American Express is going to side with their client. 

2. We provided tracking documents by XXXX as well as our cancellation policies to the chargeback center who communicates with American Express on behalf of customers and merchants and, American Express apparently did not even consider this information. 

3. In this matter and similar matters, a credit card holder can, apparently, dispute the transaction time and time again in case they lose but, after a client wins the first round of a dispute, the matter is closed and the merchant needs to pursue other avenues of resolution. Why is this so one-sided? 

In conclusion, I will attach the supporting documents which we provided to American Express by way of the chargeback center ( as American Express and all of these credit card providers refuse to actually talk with anyone themselves ).
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (CA)

XX/XX/XXXX I was notified my info was in a EQUIFAX data breach and to check my reports for fraudulant or or inaccuracies on my report. I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit, yet XXXX, has refused to provide me with access to online free credit reports to freeze my report due to their system consistantly be unable to load and to try again another time. 

The following inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX have blatantly violated XXXX rights XXXX protect my privacy and left me without any help to rectify this. 

I want these these unauthorized inquirieis removed from my credit report or I will request for monetary compensation for the outright violation of my consumer rights.
Consumer complaint received 2022-08-25
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence, nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.