davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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: AMERICAN EXPRESS COMPANY (MI)

I have submitted multiple Disputes regarding charges resulted from Identity Theft. 

Duty To Conduct Reasonable Investigation of Dispute For disputes I filed directly with American Express, Regulation V requires furnishers to conduct a reasonable investigation with respect to the disputed information and review all relevant information provided by the consumer with the dispute notice. 

American Express violated these provisions when American Express failed to investigate disputes submitted by myself. American Express responded by Mailing a Generic Letter from the XXXX XXXX XXXX XXXX ( Attached ) Dispute Reference Number : XXXX Dispute Reference Number : XXXX Letter stated " the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. We have been unable to contact you. Therefore, we are closing your fraud claim until we receive sufficient information. '' 1st : the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. This is a lie. American Express received the following : 1-Official Dispute Letter with My Name, Birth Date, SSN, Copy of ID, Letter from DOJ-BOP, Copy of the FTC Identity Theft Report XXXX 

American Express received all information required per CFPB : ( d ) Direct dispute notice contents. A dispute notice must include : ( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements.

2nd : American Express Stated : We have been unable to contact you. 

that is another lie, because they sent that letter to inform me that they were not able to contact me, well, me receiving the letter and calling them back is an evidence that they are able to contact me. 

XXXX : I Called American Express XXXX XXXX XXXX XXXX 4 times and provided them with the reference Number [ Dispute Reference Number : XXXX ], the agent told me that they don't know what that number is! I recorded the phone call and can transcribe it. 


4th : American Express Stated " Therefore, we are closing your fraud claim until we receive sufficient information. '' That is an intentional violation by American Express of FCRA, and shows gross negligence
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. (TX)

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 my 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 XX/XX/XXXX to XX/XX/XXXX 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 21 days before the payment due date. 


XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I sent multiple letters regarding this inaccuracies on my report. But I never received any response or resolution about this matter. These account are paid on time and was never late. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I never signed any agreement or contract with them. I don't have any business to any of these following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

My identity was stolen -- CREDIT COLLECTION SVCS is reported that I did not pay {$530.00} and that it is past due, on behalf of XXXX  XXXX XXXX. It says the account number is XXXX ( I do not have the last two digits ). I have never lived in Florida and this is definitely fraud.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 my 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 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 21 days before the payment due date. 

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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-05-03
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. (MI)

This account was charged off XX/XX/year> since then this account has repeatedly been updated as charge off every month. This is an update on the payment history. A charge off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX account # XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC (MI)

Due to medical issues if a family member, and assisting an adult son also with medical issue, I was is forbeance for a few months. 

Upon agreeing to start the payments, I was told I had to modify my loan, which I understood. 
When receiving the details, my interest rate jumped from 3.75 % to7.0 % added 10 years on to the mortgage, and monthly payment went from {$770.00} to {$1.00}, XXXXXXXX XXXX I asked how this was helping me, when asking to paying my extra each month to pay the arrears. Their reason was I could not afford it. But I can afford an extra {$300.00} amount for another 33 years. 

I am making more money now than I was, and they never did any sort of financial check. 

I feel I'm being penalized for a financial issue I had no control over. 

I had to sign a modified agreement to keep from going into foreclosure
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've found that my credit report has erroneous information for the second time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I am concerned about the corrupt activity going on with Mr.Cooper formally XXXX XXXX  XXXX. The company lied about my earlier complaint suggesting that I had mistakenly authorized 3 loan payments in the month of XX/XX/XXXX. When I log into my account to view payment history they have failed to post the 3rd payment they illegally withdrew from my bank. After several calls and countless time on the phone with customer service representatives and supervisors, I have still not gotten my insufficient funds XXXX dollars paid back caused by their illegal withdraws on my account. I have provided a bank statement showing the fees as well as a voided check. This company did not pay the earlier overdraft fees of XXXX dollars which my bank paid when they withdrew the 2nd mortgage payment.
Consumer complaint received 2024-05-03
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In regards to a fraud charge on a Bank of America Credit Card that they won't resolve : The facts of the case : onXX/XX/23 I was charged {$500.00} exactly from some random company called XXXX .... I have NO IDEA what this charge is. I did my research and the company is based out of XXXX. Reached out several times via email and phone call, nothing back once. I immediately filed a fraud charge, which took nearly XXXX months for them to deny. The FIRST denial letter states that " the items purchased was not returned correctly ... '' I asked for all the paperwork in regards to this and NOTHING was sent. I filed another claim, DENIED again. This time it stated " the merchant provided documentation confirming you received the merchandise ... '' Asked for this documentation as well, also NOTHING sent. Tried for a third time. This go-around I felt good about seeing how the lady I spoke to informed me that the IP address used to purchase the merchandise came from XXXX ( never been to XXXX ) , and was told this should be enough evidence to warrant an legitimate fraud ( was actually told that ) but obviously that meant nothing because I was yet again DENIED. During all these denials I also have been getting charged late fees. It has affected my credit adversely and also my son 's whom we put on the account after the fact so he could have access to the situation and help me. I am nearly XXXX years old and this is absurd. My son has been researching small claims court into suing Bank of America, but decided to go this route first in hopes of some type of resolution. Been on the phone more times than I want to count, been to the branch, everyone throws me in another direction and at this point I'm willing to do whatever it takes.
Consumer complaint received 2024-05-03
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. (VA)

I disputed this account on XX/XX/2024 asking for this account to be removed and deleted due to it not being mine. I sent letters to the furnisher as well to validate this account as well as experian. The account results came back updated and not removed due to documents that were not attached to the account from experian. On the XXXX of XX/XX/2024 the account was redisputed with the documentations and on the XXXX of XXXX I received an experian alert that the account was updated and verified again. I also attached documents from the Creditor stating they can not validate this account. Ive submitted an FTC report and I am not getting the cooperation needed to deleted this item. XXXX and XXXX has already deleted this accoun t per my request and same documentation According to the Fair Credit Reporting Act Section 605B it is illegal to report information on my account without my permission. Please remove and delete this item from my credit report. 
Account Number : XXXX XXXX Account Ending In XXXX
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (TN)

Several weeks ago I received a Notice of Delinquent Tax from XXXX XXXX from the City of XXXX where we reside. 

I had called selene a couple of months ago when we received our tax bill from both XXXXhe County and City and Selene Finance confirmed that they were responsible for paying these taxes. 

Once I received this delinquent notice a few weeks back I immediately called Selene Finance again and inquired why this was not paid. The initial person I asked stated that they would open an initial investigation and should get back to me in a few days, but that they were responsible for paying these taxes. 

Having not heard back, I called again several days later due to not wanting to have a tax lien placed on our property. I spoke to another person and they informed that they see that an investigation has been opened and I should hear something back soon. They further stated that they see that Selene Finance mailed a check out for approximately {$6200.00} ( the amount for the City taxes ) back in XXXX of XXXX, however that check does not show the it cleared and they did not know where it was. I repeatedly asked them to please get this fixed or send this to a supervisor. 

Additionally, they told me that our County Taxes were paid when they sent them a check in XXXX of XXXX. Our County Taxes have been paid by Selene Finance, it is not our City Taxes that are over 2 months late. 

I believe I called again and they told me that they couldn't send me to a supervisor, as no supervisor was available. Not to mention this problem on the taxes, but they say that my last mortage payment was late even though it was mailed a couple days after receiving the mortgage payment envelope from Selene. It was mailed well in advance of the first, but the check did not clear until the XXXX the following month. Either way, they added a nearly {$240.00} late fee charge. I have never had any mortgage payment be delinquent. 

When I spoke again to a representative of the company they said they were waiving that fee and I should hear something very soon regarding the delinquent tax bill. They further stated that they could not send me an email waiving my late fee because only supervisors could do so and one was not available but to rest assured they were taking care of it. 

It is nearly impossible to get anybody on the line over at Selene Finance, LP and I am sick of the run around and no answers, all the while my property may get a tax lien for something that is out of my control. Apparently there is nearly {$10000.00} in my escrow account currently. 

Selene Finance has told me repeatedly on the phone that they are responsible for these taxes, the two months plus of late fees, however nobody has called or emailed regarding any investigation or what they are doing to fix this. The Taxes because delinquent on XX/XX/XXXX and they still have not been paid. If I could have some assistance in getting them to respond or provide any answers that would be appreciative. Thank you.
Consumer complaint received 2023-08-08
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-09
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. (OH)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-08-06
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. (IL)

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 2024-07-19
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. (NY)

There's a negative account that keeps showing up and getting removed shows up again different names gets removed know again. This account was not, is not, will not ever be mine no knowledge or written verification. I have accounts with thousands of dollars on them with exceptional payment history! I wouldn't let a little {$700.00} damage my credit.
Consumer complaint received 2024-05-09
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. (TX)

Despite my numerous efforts, I have not been able to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX and financial distress. As a victim of identity theft, I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.