davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I received a letter from Citi Fraud Prevention with allegations about Fraud Letter Code 4100. I did called immediately and the Fraud Prevention Unit was not very helpful resolving the matter, as the allegations were that if you do which the agency could collaborate with record conversations from Fraud Prevention Unit. I submitted via certified mail all evidence and documentation for them to clear the issue and to refund the {$1700.00} and nothing is being done. The Big Four issuing Banks in NY has very similar policy therefore I do not understand since XX/XX/year> Citibank do not want to complied. Citibank knows is liable as I well explain in all the letters. I did called, submitted documents & evidence, I was directed by the XXXX Branch manager XXXX XXXX which he was the only one who help me since the issue started and I follow his instruction but the Fraud Prevention Unit was not Helpful to proceed that is why everything was submitted by certified mail. Still XXXX XXXX XXXX no answer from Citibank. I called and XXXX told me my account was closed when I did not authorized to be closed as this account was on dispute and I had all the right as a primary holder of the account. I do not have liability on this matter as was a Fraud on my account directed from XXXX
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items needs to be removed : XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (IL)

Complaint against XXXX XXXX as XXXXXXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( GSAMP XXXX ) and demand to return original Promissory Note, original Mortgage, all original Allonges and original Assignments of Mortgage and wet-ink signed by an authorized employee of the Creditor release of all liens after property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX IL XXXX was sold in XX/XX/XXXX. 

On XX/XX/XXXX unknown to me parties allegedly " transferred '' servicing to for my alleged " loan '' to Specialized Loan Servicing, LLC ( " SLS ) now NewRez/Shellpoint owned be XXXX XXXX XXXX  which was three months after my property was illegally foreclosed and sold. to a XXXX XXXX  buyer for cash in XX/XX/XXXX I demand XXXX XXXX  as Trustee and NewRez as successor to faux servicer SLS to return my original Note, original Mortgage, original Allonges and Assignments and provide me wet-ink signed by an authorized employee ( accountant or bookkeeper ) of the Creditor release for all liens and demand to stop selling any securities, derivatives, options, futures, swaps, ect - backed by my personal information. 

I demand a respond from an authorized human employee of the Creditor who has first hand knowledge about all transactions and transfers. No Artificial Intelligence [ robots ] responses from " teams '' or " departments '' at large.
Consumer complaint received 2024-07-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (MI)

QWR, XXXX, request for disclosures under TILA and Complaint against US Bank and demand to return original Promissory Note, original Mortgage, original Allognes and original Assignment of Mortgage and wet-ink signed release of liens by an authorized employee of the Creditor On XX/XX/XXXX law Firm XXXX and Associates filed Lis Pendens and foreclosure action against my property located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX On XX/XX/XXXX or four month later XXXX prepared and filed forged Assignment of Mortgage to US Bank as Trustee for Structured Asset Investment Loan 2006-BNC3. Here were never any allonges accompanied by wire transfer receipt, cancelled checks or ACH evidencing that XXXX  XXXX ever paid any money for the debt or about any transfers of the legal debt at all My property was foreclosed and sold to a bona fide purchaser XXXX XXXX XXXX  XXXX.on XX/XX/XXXX. Therefore, US Bank as Trustee received $ $ $ proceeds from this sale and must deposit them on the account receivable owned by the XXXX. The Special Warranty Deed was prepared by lawyers from XXXX under unknown to me authority. 

US Bank received money from the sale, but never returned me my original documents - Promissory Note, Mortgage, Alonges and Assignments and never provided me any lien releases after my property was sold to bona fine buyer. 

I demand US Bank to immediately return me my original documents - the original Promissory Note ; Mortgage ; Allonges and Assignments and provide me wet-ink signed release of lien from an authorized employee of the Creditor along with the copy of the ledger of the account receivable owned by the XXXX  evidencing that this account receivable was closed after US Bank sold my property to a bona fide buyer and received money from this sale
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

You attorney XXXX XXXX is lying, I never shouted on her. 

I can go through a lie detector test. 

This is absolute XXXX  and nothing else. 

I do not know being an attorney, how she has an audacity to lie. 

I would request you to change the law firm, so that this matter is handled in a better and efficient manner,
Consumer complaint received 2024-01-12
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. (FL)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, ALSO PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IAM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-06-21
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: EQUIFAX, INC. (OK)

This is once again my request for your agency to correct or remove the reporting of these items to the three credit bureaus. I am disputing the late payment entry, stating that I have effectively resolved the account by fulfilling all payment requirements and meeting all obligations outlined in the settlement agreement as well disputing the fraud items. I strongly contend that the late payment entry is erroneous. Despite my attempts to address this issue and provide evidence of the settlement, the late payment entry and appearance of fraud items persists on my credit report. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
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 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 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 2024-01-11
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. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2024-01-11
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. (IN)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is reporting fraudulent accounts to my credit report that do not belong to me. I have been a victim of identity theft for the past XXXX years. There have been Fraudulent Items being reported to my Credit Report.The following account XXXX XXXX XXXX  ( Account Number : XXXX, Original Creditor : XXXX XXXX. 
Date Opened : XX/XX/XXXX. Balance {$600.00}, XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. XXXX {$490.00}. XXXX  ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. XXXX {$0.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. XXXX {$100.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-01-11
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. (FL)

My name is XXXX XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit for these violations. On XXXX  I sent my FTC Report and my FL license to XXXX, XXXX, and Transunion.
Consumer complaint received 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number 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 an account without my written instructions
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-06
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 am writing to express my continued frustration and dissatisfaction with the handling of my third attempt to correct the late open accounts on my credit file. Despite my repeated efforts and submission of relevant documentation, the response from your company has been inadequate and fails to rectify the errors that are negatively impacting my credit profile. 

Despite providing comprehensive documentation and evidence clearly indicating the incorrect reporting of late open accounts, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling frustrated and disillusioned with your company 's ability to handle this matter effectively. 

Furthermore, the presence of these inaccuracies on my credit file has had significant consequences on my financial well-being. I have experienced difficulties in obtaining credit and have been subjected to unfavorable terms and conditions due to these errors, which are entirely unjustified and preventable. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am always punctual with payments, but they incorrectly label me as late.
Consumer complaint received 2024-01-12
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. (CA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased a desktop computer online from XXXX XXXX on XXXX XXXX. Out of the box the computer did not work, and I was unable to get any response from XXXX. I requested a chargeback on my Capital One Visa card ending in XXXX on XX/XX/XXXX for {$1400.00}. I returned the defective computer to XXXX on XX/XX/XXXX and they issued a credit memo for the full amount. Capital One refuses to accept this cancellation and continues to bill me, plus 25 % interest. Attached is relevant documentation. I have requested that they cancel my credit card.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (HI)

I used my American Express card to purchase an oven from XXXX XXXX. I transferred the balance to my XXXX XXXX  for a {$30.00} fee and zero percent financing. XXXX card paid American Express. I now have a {$1000.00} balance on my XXXX  card. I had to return the oven since it didn't fit. XXXX XXXX issued a refund to American Express. Now I owe XXXX card {$1000.00}. I contacted American Express on XX/XX/23, XX/XX/23, XX/XX/23 via phone and text. They requested that I make an additional payment if {$40.00} although I had no balance, they actually owed me- I made the payment. I have screenshot all my correspondence. I was told a refund check would be issued although I have a savings account with American Express. They told me three times that they would mail the check. I contacted them today and the check was not yet issued. I asked to escalate and requested a wire transfer directly into my bank account. They told me this could incur additional fees. Overall, it appears that American Express is " double dipping ''. They received funds from XXXX XXXX  as well as XXXX XXXX and now are making me fight for my money. All I wanted to do was surprise my wife with a new stove. Now I am out {$1000.00}, no stove, no check. Please help.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-01-11
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. (FL)

My name is XXXX XXXX. I am a victim of identity theft. I sent my FTC Report and my Florida Driver 's license to XXXX, XXXX, and Transunion. I will be filing a civil suit for reporting inaccurate and fraudulent information.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.