davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXXXXXX 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 XXXXXXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-06-06
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. (CA)

I want to report an Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TRANSUNION CONSUMER RELATIONS TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear TRANSUNION CONSUMER XXXX : Settlement Demand Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I am writing to address the willful violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX which has resulted in significant damages to me. 

Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I am entitled to statutory damages for your violation. I am willing to settle my claim for the damages I have suffered in the amount of {$1000.00}.

Please send payment in the form of certified funds to the address listed above no later than XX/XX/XXXX. That is 15 Days from the date of this letter. 

Should you fail or refuse to settle this demand, I will have no choice but to seek actual damages, which I believe will exceed {$1000.00}, as permitted by law. 

I look forward to your prompt response to this matter. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage is trying to get me to buy more flood insuranse than is required by my mortgage contract. They have sent XXXX this XXXX letter which states " Your flood insurance poliicy coverage limits must be at least equal to the lowet of the following : 100 % of the replacement cost of the property, as determined by your homeowners insurance provider, or the maximum limit of coverage made available from the XXXX XXXX XXXX XXXX, which is currently {$250000.00}. '' Where as my mortgage contract states on page XXXX '' 1. The Borrower ( s ) must provide satisfactory evidence of hazard insurance coverage and flood insurance coverage if the Property is located in a special flood hazard area. 
2. Dwelling coverage must be equal to rhe lesser of the loan amount or the full replacement value of the property improvements, ... '' I have provided Nationstar with a fax from my insurance company stating thaty I have {$110000.00} worth of flood insurance and only owe approximately {$100000.00} on the loan. 
This is a ploy by Nationstar to buy me flood insurance at an outrageous rate. This is the same sham that XXXX XXXX XXXX pulled a couple of years back which resulted in a class action law suit against them.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have XXXX 30 day late on my credit from a XXXX XXXX credit card that I've had in my name for over 8 years. This allegedly occurred in XX/XX/2022, while the world was in the midst of the pandemic. I was never notified of this late and to my knowledge have always paid my credit card on time. Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably XXXX to XXXX times and repeatedly was assured they would correct the XXXX late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. I'm simply trying to get this XXXX incorrect XXXX late payments ( from XX/XX/2022 ) removed from my credit. I'm currently pregnant and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining a necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Consumer complaint received 2024-06-06
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. (MN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my Visa card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XX/XX/XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XX/XX/XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me, because of capitalone not giving the increase I have fallen way behind in my bills and struggling every day they have admitted several times by their top people and even in the response that they gave to me that I was told that I would get the increase after reviewing the recorded calls but that it was " False information '', but that they wo n't do anything to rectify the situation and that is just not acceptable I want my increase or I want for them to eradicate my debt from both my master card and visa card, because what they did was falsely advertise I also filed a complaint with the XXXX and it was marked against them negatively.
Consumer complaint received 2023-06-06
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Received a letter they were reducing my credit line for non-use. XX/XX/23 Called and got nowhere. XX/XX/23 received second letter they were going to close my account for non-use. If I used the card it would keep the account active for two years. Went out and made a small purchase on XX/XX/23 in order to keep the account open. Of course both these actions by them would adversely affect my credit rating. Problem is that were literally blackmailing me via my credit thought they extended me the credit by their choice. How I used it should be my choice. I then wrote an email to the CEO XXXX XXXX. Letter attached below. No reply .... 
Again, I say this is nothing more than credit blackmail. Every time someone reduces your credit or threatens to close an account for reasons of abuse I get. Doing this for non-use is nothing more than punishment for good use of my credit.
Consumer complaint received 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

In XX/XX/2022, i purchased an XXXX XXXX with the awesome help of US Bank. I never received any mail, email or instructions/info to make my payments. So i called XXXX myself to get the US BANK number and asked how to set up my payments. I provided the info and every month made my payments. Only to find out, the payments were being rejected because another name was on the account and their banking info was being used to send payment to MY loan account. My car was then repossessed and i didnt find out this info until after the fact. This information is listed in the notes on my account. They have refused to remove the late payments after to admitting to it being a mistake on their end. My credit score has dropped over 160 points and ruined my credit and aspects of my business and my life. I've disputed this and called hundreds of times to get a fair resolution, only to be passed around to multiple reps and no follow up. My credit was around 760 when i purchased the vehicle. In no way would I not make my FIRST 4 or 5 payments on a car i just bought.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My hardship begin XX/XX/2023 Select Portfolio increased my mortgage payments from {$1300.00}. Per month to {$2300.00}. Per month with no notice. I was told that this {$1000.00} escrow increase requested by the Investors wasnt predatory lending but actually was within the law to bill me for 2 years escrow instead of each year. My escrow is based on my yearly property taxes and property insurance so how can they do that. I cant find this clause in my settlement documents. So I requested a copy of documents to support the increase. Select Portfolio representative said they were going to send me the information and I never received it. They didnt offer me any assistance. 
Please help me keep my mortgage payments affordable I cant afford a {$2300.00}. Mortgage payment.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JPMCB - CARD SERVICE Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : Chase - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

I am writing to bring to your attention a concerning situation involving my application for an American Express XXXX Card. Despite successfully applying for the card, I never received confirmation of approval or the actual card itself. Subsequently, unauthorized usage occurred on the card, resulting in fraudulent charges and an account that was sent to collections. 

Here is a concise summary of the events : Application : I applied for the American Express XXXX Card through the designated application process. While I received an acknowledgment of my application submission, I never received any further communication confirming approval or the mailing of the card. 

Unauthorized Usage : To my surprise, I discovered that unauthorized transactions were being made on the American Express XXXX Card, indicating that the card had been issued and was being used without my knowledge or consent. This raised serious concerns about the security of my personal information.

Card Theft : It became evident that the card had been mailed out to an incorrect address. Unfortunately, the card fell into the wrong hands, and an unknown individual stole the card to initiate unauthorized transactions.

Account Closure : Once I became aware of the unauthorized activity, I immediately contacted American Express to report the fraudulent charges and the unauthorized usage of the card. The account was subsequently closed to prevent any further misuse. 

Collections and Damage : Despite taking swift action to report the unauthorized usage and close the account, I was informed that the account had been sent to collections due to outstanding charges that had accumulated as a result of the fraudulent transactions. The total amount sent to collections is {$1400.00}. 

Ineffective XXXX XXXX : The card 's issuance to the wrong address, coupled with the subsequent unauthorized usage, underscores a severe breakdown in the card delivery and security processes. 

This situation has caused significant distress, financial burden, and damage to my credit. I am seeking your assistance in resolving this matter promptly. I believe that the circumstances surrounding the unauthorized usage of the American Express XXXX Card are a result of systemic vulnerabilities in the card issuance and delivery processes, which require a thorough investigation to prevent similar incidents from happening to other consumers. 

I kindly request that you investigate this matter and work with American Express to rectify the situation, including the removal of the erroneous charges from collections, restoring my credit standing, and addressing the security gaps that allowed this situation to occur. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in safeguarding consumers ' financial well-being.
Consumer complaint received 2023-08-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Incomm Holdings Inc. (NC)

I purchased a Visa gift card online for a friend 's birthday from The XXXX XXXX XXXX. When she received it ( via email ), she was unable to open it. She received a message " A system error has occurred. Please try again later. '' She tried multiple times with the same result. I called the company to try to correct this. They hung up on me - THREE times. I tried again today and was told that " the department that handles this is not picking up '' and I should call back. This is an absolute scam, and I am now out the {$100.00} plus a {$3.00} fee. I am attaching the email acknowledgement of the order with all pertinent information included. 

I used my XXXX account to charge this transaction to my XXXX XXXX card. XXXX will not allow me to dispute the charge until it clears ( it is currently in " pending '' state ).
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (LA)

I had sent XXXX to the wallet in PayPal. After receiving it and selling I planned on using it the following day to get into an apartment. 
Shortly after sold my PayPal account had several unauthorized charges on my account. 
I spoke to several supervisors about it and was told by one that PayPal should not have let the transfers go through that my account had an alert for Unusual Activity but for some reason had allowed these transactions to go through. Then he stated that I would be getting a refund that he would go on ahead and put a note to refund them and he couldn't find a reason not to. 
PayPal also stated that because the transactions are similar to previous ones they they were authorized. 
I never have sent that amount nor purchased bitcoin in the amounts of XXXX, XXXX, XXXX actually nothing over XXXX. Then PayPal also stated that it was sent to addresses used before on my account. Problem is they fail to think those are unauthorized too. That means the person who purchased and sent this bitcoin has done his in the past. 

Not to mention i received an email from PayPal stating that they were changing the status of my dispute. The another email stating they were filling it in my favor that I will be getting a refund of {$1700.00} in my account or wherever it was purchased from. Only because they duplicate charged me. They duplicate charged me and were returning the money. Oh only if I still have the XXXX for the first transaction... Hello unauthorized transactions here!!! 
And I never received the refund 6 days after and still waiting. 
PayPal owes me quite a bit of money and not to mention the time I've spent in trying to prove them my innocence and then why are they not on my side?