davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, RE : METHOD OF VERIFICATION REQUEST This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again XXXX  days ago : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX ( Charge Off ) Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (CA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. Here is the account which does not belong to me or was opened without my permission. 
XXXX XXXX XXXX. According to FCRA section 605B ( a ) Credit Reporting Agencies shall block any information in 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.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NATIONSTAR MORTGAGE LLC (MA)

I have been having constant problems wit h Nation Star  mortgage for the past year but most recently when their " dedicated loan  specialist  '',  XXXX   XXXX  put me on a repayment plan beginning in  XXXX  of  XXXX . This repayment plan was supposed to end in  XXXX  of  XXXX . The payments were scheduled for {$1600.00} each month. The first month of  XXXX   XXXX , I made a payment for more than the asked amount for {$2200.00}, then I fulfilled  XXXX  through  XXXX  for the asked amounts of {$1600.00}. The payments were all made on time and the repayment plan was fulfilled. I was told by  XXXX  on  XXXX   XXXX ,  XXXX  when I made the last payment that my credit report would show current for the month of  XXXX  and moving forward I would have scheduled payments of {$2100.00}. Now  XXXX   XXXX  is stating the repayment plan was set up incorrectly which is no reflection of me. This is  all Nation Stars fault and error. I find it hard to believe that after five months of payments that I fulfilled, they are no w finding an error! This should have been found on the very beginning. They are now stating I owe so much more money and they need to fix their error, whether the bank takes care of it or  XXXX   XXXX . The money should be payed through the bank because it is their major error. I want to be shown current a s Nation Star stated  and I want their monetary error fixed through them.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (FL)

I have been in contact with them over this promotion since I complied with the agreement to spend {$1500.00} in 60 days. I complied within 30 days. No promo {$300.00}. Each time I call or Chat with them they ask for original Email offer. I can not provide since it was deleted after application. Card was approved that same day. 
They claim to begin investigation for 10 days no response. 
Ready to close account after misleading promotion.
Consumer complaint received 2023-05-16
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

To : Nation Star Mortgage Company Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX DA : XXXX XXXX, XXXX RE XXXX  Request a Copy of My Full Mortgage Payment Account History/File from ( XXXX XXXX to XXXX, XXXX ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX XXXX to XXXX, XXXX ( the present. ) As my present mortgage holder, I was informed that my present mortgage holder should have my entire mortgage history. You obtained or my loan was transferred to you from XXXX XXXXXXXX XXXX. All documents were transferred when you became the new mortgage holder of my loan. I must reiterate, that you ( NationStar ) sent a document entitled Full Account Payment History which included only my mortgage payment history from XXXX to XXXX. I must state that 2 or 3 years is not my entire mortgage history or file. Once again, Im kindly requesting my entire mortgage history/file, which should included signed documents and an explanation of how one obtained my present balance. Nevertheless, if you cant provide the  requested information or documentation, it leads me to believe that my present balance could have been fictitiously created? I must inform you that I have never heard of anyone taking 60 years to paying a 30 year mortgage. This is simply ludicrous and unacceptable in my opinion. I must inform you that my mortgage loan did not start in the year of XXXX. However, it did start in XXXX XXXX, which includes a total of 27 years + 3 additional years of mortgage payment history. According to the last documents I received, one would believe that my mortgage loan was ignited in XXXX, which is definitely not true! My Resolution, Concerns and Request Are As Follow : *Please provide a copy and proof for the follow request below* My present mortgage balance is more than I paid for my house back in XXXX, after paying 27 years of payments. You have not sent me a copy of my entire mortgage history file, as I have requested on 2 different occasions. ( see attachments dated : XXXX XXXX, XXXX, XXXX XXXX, XXXX My mortgage loan was for 30 years and not 60years. According to my present balance, ( {$65000.00} as of XXXX ) it would take 30 more years to pay-off my loan, according to the present balance! I paid an additional 3 years in advance and above my premium monthly payment to pay my mortgage off I advance/prior to 30 years. My files may possibly have been mixed in or construed with someone else mortgage files or payment history etc. Please provide a written explanation of how my present mortgage balance is higher than what I purchase my house for in XXXX. I financed {$61000.00} in XXXX, Approximately 27 years later, I presently owe {$63000.00} +. Please explain and provide a written document within 15 days.. How much interest was paid toward my mortgage loan from ( XXXX XXXX, XXXX ). According to my records Ive paid a total of {$32000.00} in mortgage payments thus far.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (TX)

The Apple Master Card issued by Goldman Sachs is apparently providing a significant cash back bonus offer to existing card members, but only by invitation : XXXX XXXX XXXX I have been a cardholder since the release of the card and was not " invited '' and there is apparently no publicized criteria for being " invited '' to receive this benefit. I have always been in good standing and have a credit score of over XXXX. Is this legal, to discriminate amongst card members in good standing, by providing a cash benefit to some customers and not others?
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, 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. (MS)

UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (MD)

In accordance to the Fair Credit Report Act, this creditor XXXX XXXX XXXX XXXX has violated my rights under 1

5 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AZ)

My account was limited in XXXX and I was told that my account funds will be eligible for release on XX/XX/year>. Now my account funds are being held another 120 days after getting another email saying " You can no longer use PayPal '' XXXX. 

I spoke to someone from the Executive Office in XXXX and they said the money will be released on XX/XX/year>. Now, it is another 120 days without any chargebacks/disputes.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (AL)

My identity was compromised with these companies.XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and A lot of repeated inquiries
Consumer complaint received 2023-05-16
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. (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-07-22
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. (NY)

DISPUTE RESPONSE! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

DELETE THIS FRAUD ACCOUNT IT HAS BEEN OVER 30 DAYS!

IAM DEMANDING THIS AS AN FEDERALLY PROTECTED COMSUMER!!!
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (PA)

My account was hacked and {$960.00} was taken. My savings was moved to checking, my XXXX XXXX  moved to checking and then the checking wiped out. I informed Chime to dispute the charges. In less than 24 hours Chime informed me there were no errors and my money would not be returned. I have pictures and proof of the illegal transaction on my account. There is obviously a breach in their security system if this is happening to multiple people.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

My house payment includes taxes and insurance. My mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX. With Nationstar my escrow payment has been XXXX, it has increased to XXXX as of XXXX XXXX. I contacted the company on XXXX, and spoke to XXXX, located in California, to find out why this has happened. I got 2 different reasons, and neither one made sense to me. I asked to speak to a supervisor, was on hold for approximately 5 minutes, then was told he could n't reach the supervisor. I asked him what government agency oversees mortgage companies, he told me Nationstar could do that internally. I declined, and I stated I wanted to use a Government consumer agency, and we ended the call. Also, they are changing their name from Nationstar Mortgage to " XXXX XXXX '', not XXXX XXXX Mortgage, just ... XXXX XXXX. That sounds like a scam to me, or some other illegal operation. I have attached the records of my payments, and what I believe, is the inflated escrow charges. Thank you for any help you can give me. I will also file a claim with the Consumer Protection Bureau, and the Oregon Department Of Justice Financial Fraud Department. Sincerely, XXXX
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (UT)

On XX/XX/XXXX XXXX XXXX  My debit card was charged XXXX usd at XXXX. I never authorized this payment. I have been out of the United States for the past XXXX years. At the time of this traction I was in XXXX. XXXX is not a registered company nor do they have any stores in XXXX. I have never added my bank card to XXXX and it has been over XXXX years since the last time Logged into the XXXX website. On XX/XX/XXXX I called my bank as soon as the charge was settled to start the dispute process. They denied my dispute claim on XX/XX/XXXX. XXXX working business day is not enough time to reach out the merchant to request a chargeback or any information to the case. I called chime bank to see why they denied my claim and they sent me an email with the documents they used to determine my dispute resolution. In the attachment they did not provide any information from the merchant showing the details of the transaction. No IP address, no phone information, no geo location. The only document they provided was the initial question the chime agent asked me when I called in to dispute the transaction. Chime Bank is not properly investigating Fraud cases. They are automatically rejecting disputes without reaching out and getting vital information from the merchant.