davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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. (AL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I have sent in multiple disputes regarding this account, and it's been removed and keeps coming back, under a different name, and the other bureaus have removed them of my credit report, but you guys refused to do so. I have submitted my police FTC report, and identification for verification. 
-- XXXX XXXX  XXXX, Date fraud began XX/XX/2023 Total fraudulent amount : {$260.00} -- XXXX XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$1800.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-08-11
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)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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
Consumer complaint received 2024-07-08
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Consumer complaint received 2024-05-16
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. (CA)

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 2023-12-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (NJ)

I am the victim of identity theft. Someone attempted to open a fraudulent bank account and I have contacted the bank repeatedly. The bank continues to send me emails to finalize outstanding items for the fraudulent account despite my requests that the account be closed.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

I purchased my home through Cross Country Mortgage in XX/XX/2023. Loan process went as expected. 2 months after purchase I decided to do a refincnace. When my existing Loan was established we put XXXX into a replenishment / buydown account that would apply a specific amount from said account towards our monthly payment. At time of closing I signed a schedule and agreement that these funds were to be applied monthly over the next 24 months. Said document ( Buydown Agreement ) clearly states that upon paying mtg in full the balance of these funds is to be applied to my principal balance. Should any funds be left over they would be refunded back to me. That brings me to today which marks 34 days since my loan has been paid off in full. They did not allow netting of the escrow and subsidy/buydown account as stated in agreement. They have decided to hold these funds and as of yesterday the XXXX of XXXX I was told that these funds will not be refunded back to me. When I askd who they would be refunded too, XXXX ( supervisor ) said they would be refunded to the seller who sold me my home. I tried to explain she was not understanding and was infact correct. She began to yell and argue and talk over me to the point that I was forced to hang up. I then reached out to the Regional Manager who also works with Cross Country Mtg ( XXXX XXXX XXXX and he as well was at a loss for words on what I was being told. He conveyed he would look into it and asked me to forward him all emails and corispondence I had. I then proceeded to call Cross Country Mortgage again and ask for another supervisor., This time I spoke with XXXX who completely agreed with me that these funds are due back to me and said she would escalate my issue. This will be the 5th time an escalation was requested and nothing has happended. Currently I am owed roughly XXXX dollars that Cross Country Mtg refuses to release to me, and has conveyed flat out they have no plans too. 

Attached is Buydown Agreement signed at closing and notaarized. Also the only communication from Cross Country Mtg stating the funds existed and amounts and when they would be released back to me. None of which have been carried out as promised.
Consumer complaint received 2023-08-01
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2024-09-11
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: EQUIFAX, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My, Capital One credit card, Was behind in payments and, I setup a payment plan with the collection agency, per the judge request from the debt collector before we went into litigation, That was XXXX  to move the conversation, I set up automatic payments, which they didn't send me anything not a email or mail.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to provide an update on my ongoing efforts to correct late open accounts and remove late closed and charge off entries from my credit report. Despite numerous attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have diligently pursued the correction of late open accounts and the removal of late closed and charge off entries on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these issues. However, to my disappointment, the inaccuracies remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. With this, I am asking for your assistance to correct or remove the accounts : 1. XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

3. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

4. XXXX XXXX Balance Owed : {$0.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

5. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

6. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

7. XXXX XXXX XXXX Balance Owed : {$710.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-09-15
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-Thursday made XXXX XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2019-05-02
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: Diversified Consultants, Inc. (TX)

I received a credit alert from XXXX XXXX  XXXX  on XX/XX/2019, XX/XX/2019, and again on XX/XX/2019 with a message Alert Type : Potentially Negative - Major Derogatory A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identify theft. Balance {$360.00} Collections Open date XX/XX/19 Payment Status Grid Code G ( Collections ) Diversified Consultant with the companies address and phone number. I called and spoke to someone and they told me they could look this up by pulling my credit report if I would give them permission which I did. They said this had to do with an original creditor XXXX XXXX XXXX. I later spoke to my husband and we both remembered when we switched from XXXX XXXX XXXX to XXXX we called several times to confirm and XXXX XXXX XXXX   told us we did not owe any additional fees. I have not contacted anyone since I did not want to have anyone start calling me. I also have not gotten any mail or phone calls from this company notifying me I owe them anything. They have put this on my credit report 3 times. I called on XX/XX/2019 and asked what I should do about this and another representative said I could open a dispute and sent me over to the dispute department or so I thought. Took additional information from me and said it would take 30 days and I would hear something. When I saw the 3rd negative mark on my credit on XX/XX/2019 I called again and that is when I spoke to a customer service representative and she said these could be removed and she did not see where any dispute had been opened for me. She transferred me over to the dispute department and I spoke to a lady who told me the additional negative information put on my report on XX/XX/19 & XX/XX/19 by the same company and the same amount of {$360.00} could not be removed and they could put this on my report every day if they wanted to it just depended on how they did business. I asked if I could dispute this and she said she would open up a dispute. I don't know if she did or not. I really don't know if this company will continue to add negative credit information and who they are. I am worried. Thank you
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY (FL)

Some time around XXXX, my office manager applied for an American Express Centurion credit card for my company ( a corporation ). We have used this card for about 25 years, until XXXX of XXXX when my company was forced to declare bankruptcy and filed for XXXX XXXX Among the company 's creditors is American Express. 
Starting in late XXXX, I started receiving calls from someone named " XXXX '' ( he would not give a last name, nor address or email address ), claiming he was from American Express and claimed that I had personally guaranteed the AMEX card and AMEX wanted the balance of approximately {$25000.00} at once. XXXX directed me to the AMEX website where I would see that I was responsible for my corporation 's debts. Because the website was a generic agreement with no specific reference to me or even a website that i had reason to believe had the same requirements as when my office manager applied for the card 25 years ago. Therefore, I requested that XXXX provide me with documentation of the fact that I had guaranteed the card ( i.e., that I would be personally responsible for the balance if my corporation could not pay ), along with my signature agreeing to the conditions. After several additional and acrimonious calls, XXXX said I would receive some information, which arrived in the mail last week, although again, this was just a form. I need to see something that has my signature guaranteeing that I am responsible for any debts, regardless of the bankruptcy of my company ( the holder of the AMEX card ). 
I was advised by a third party to contact " AMEX Special Research '' ( see attached file ) and supplied with a fax number ; however, the fax would not go through, so I mailed the fax to a physical address, but so far, no response. 
I would like to resolve this issue because XXXX becomes more threatening with each call, to the point where it is becoming frightening.