davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUHOME SOLUTIONS, LLC (FL)

we received a phone call stating we needed flood insurance. we had already had sent over that we where exempt from flood insurance From Fema. While we worked with Fema to get corrected current paperwork to show this we agreed to get flood insurance to apease the Mortgage company. Wife and i shopped for flood insurance. We found a policy and we emailed this to our contact at the Mortgage company. She told us that we needed to call in to activate and for the mortgage company to pay this. We did this and verified that she received the copy of the policy and she would get it paid. She also explained that our escrow amount would go up alittle each month to accommodate the flood insurance. We understood that. She also said she would contact us later to give us the difference each month that we would have to add to our escrow payment. policy was sent on Monday XXXX XXXX.cost for policy {$3600.00} After following up with the flood insurance company near the time the policy starts we found out it was never paid. Since it takes 30 days to have the underwritters to rewrite a policy we had to start over. We have done this monthly resubmit to the mortgage company and we now no longer get a reply from phone calls or from emails to the company. On XX/XX/XXXX we finally received a message from the agents supervisor. Stating they bought a flood insurance policy for us on XX/XX/XXXX  for {$5400.00} almost twice the cost and we had no knowledge of this policy. our final policy that was sent to the mortgage company was on XX/XX/XXXX  for the amount of {$2400.00} even the insurance agent mailed and faxed the new policy and they to this point have not received payment. XXXX reply back from the company to the insurance company or to us. Now with out notice they have raised our mortgage payment from {$2100.00} ( XXXX pmi insurance, {$1800.00} mortgage payment and property insurance ) now our bill starting in XXXX will be {$3900.00} without notice by mail or email. We have sent emails trying to get an explanation because phone calls at this point are pointless because they never return messages. we are so frustrated My husband is on XXXX and between the two of us we dont even bring that kind of money between the two of us. its why this was supposed to be paid monthly. Such a disaster and we didnt know where to turn besides getting an attorney involved. Please let us know if you can help us get this fixed. Thank You
Consumer complaint received 2023-09-02
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. (MA)

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and the other bureaus have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, and verified my identification etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge
Consumer complaint received 2023-09-26
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. (MA)

XXXX Account Number : XXXX - Please delete because of inaccuracy since the dates last activity is shown differently on the report ; XXXX shows 1XX/XX/2022, Experian claims it was XX/XX/2022 while XXXX reports XX/XX/2022. Additionally, this charge-off account shows a {$440.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (MD)

Debt was charged off by the company XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Jefferson Capital SYST in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, Jefferson reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Jefferson Capital SYST that I opened. This action has caused my credit score to drop XXXX points in one week! This action is not legal! I demand it be removed immediately!
Consumer complaint received 2023-12-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$66.00} XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

ACCOUNT NAME ( XXXX XXXX ). I have no idea why this account is on my consumer reports. This account is direct violation of the FCRA! Im not sure what kind of account it is, it has no identification stating what kind of account it is or was. There is NO account number listed on either of my consumer reports. The original balances are inconsistent on all consumer reports. The payment history differs across all of my consumer reports. There is NO open date listed on either consumer report. This account violates so many laws. I want this account removed from all of my consumer reports ( EXPERIAN, XXXX, XXXX ). I DO NOT GIVE CONSENT FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORTS.
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (WA)

In approximately XX/XX/2023, I purchased a XXXX XXXX from XXXX I was offered a credit card through TD Bank with low payments and no fees or interest if payments were made on time. I did not receive any statements or emails. I received a call in, I believe XXXX. I asked for statements and fees to be removed. I was told, " we don't mail statements that we already mailed. '' I was told if I paid approx {$36.00}, the fees would be removed. I paid the amount. I received a statement and tried to log in to account. A message came on screen no such account exists. I've called and can't get anyone to talk to me. I am now getting emails saying I need to make a payment, I had no way to login and no address was provided for me to mail a payment. I have email ( s ), but am unable to attach to this complaint. Can forward if need be.
Consumer complaint received 2023-12-27
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CT)

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
SYNCB/AMAZON XXXXXXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VT)

PayPal transaction ID XXXX was wrongfully processed. On XX/XX/XXXX I received {$940.00} by mistake from another PayPal user. And when I tried to refund him that money, PayPal instead of taking it from my available PayPal balance, as I explicitly requested, tried to bill one of my funding bank accounts, where those funds were not available, resulting in an insufficient funds fee. As of XX/XX/XXXX, despite my numerous messages and phone calls, and while that person already received the money, that money is still available in my PayPal balance, which it should not be, if the transaction was processed correctly, while I have no idea if PayPal will try to again take that money - without my authorization, and after my explicit objection - from my bank account, resulting in another insufficient funds fee, because nobody from PayPal is contacting me and communicating with me.
Consumer complaint received 2023-12-27
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (MO)

I am writing to express my ongoing frustration and concern about the multiple attempts I have made to verify and remove inaccurate accounts, specifically late closed accounts and charge-offs, from my credit report. Despite my persistent efforts, these inaccuracies continue to adversely affect my creditworthiness and financial standing. I am writing this letter to bring this matter to your attention and request an immediate resolution. I am well aware of the significance of accurate credit reporting and how it influences my ability to secure loans, credit, and other financial opportunities. The presence of these inaccuracies on my credit report has caused significant financial harm, including higher interest rates and difficulties in obtaining credit. I respectfully request that your bureau takes immediate and thorough action to investigate and remove the inaccurate accounts mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct these inaccuracies, along with a timeline for their removal. Clarity regarding this process is essential for me to understand when the issue will be resolved. Should these inaccuracies persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed the following accounts : XXXX XXXX XXXXXXXX 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. XXXX XXXX XXXX Balance Owed : {$2900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX Balance Owed : {$560.00} - 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 2023-12-15
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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. (NY)

While checking my most recent credit report I noticed unauthorized and fraudulent credit inquiries even after I advised you of identity theft and asked that my credit be frozen by phone call, online and letter. I did not authorize anyone nor give Written consent to anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Trans Union permission to furnish this information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am not responsible for the listed account as I am a victim of identity theft. The furniture store in question forged my name on a contract which I did not authorize. I forwarded an identity theft police report number from my local police department, as well as my report/complaint number with the FTC. I also furnished TransUnion, XXXX and XXXX with the XXXX XXXX XXXX regarding the fraudulent account and charges and after numerous complaints written, phone and online you have continued to violate my consumer rights. 15 US Code 1108/c-2, that clearly states a consumer reporting agency shall block the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. You are in violation of this law because I am a victim of identity theft!! Please delete these Items immediately from my credit report and as the law advises block the reporting of the information I would hope that TransUnion, XXXX and XXXX no longer violates my rights and removes and blocks the below account and its information as well as remove ALL inquiries associated with this identity theft. If this information is not removed and my credit report updated within the 4 business days the FCA law requires I will be forced to file a Civil Suit to protect my Federally protected rights. 

Personal Information to be deleted : Address : XXXX XXXX XXXX XXXX NY XXXX Account to be immediately cease and desist reporting, delete and block from reporting : XXXX XXXX Account XXXX Date Opened XX/XX/XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX Inquiries to be removed immediately : XXXX, XXXX inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Best Regards, Without Prejudice. All Natural Inalienable Rights Reserved
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Star Loans of Texas, Inc. (TX)

For the last 3 months I have called to make my payments on the last day of the month during posted business hours. First when I call, I am told their system is down. After I persist, I have been told their system is closed and payments wouldnt be posted until the next day. I have countered with the fact that I am making this payment during their posted business hours. I was told that they can close out their day prior to close of business. I explained that was not legal or correct. Their response has been it wont be posted until the next day. 

I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00}. I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00} I would like to know why am I being told my payments would be posted on another day when the payments have been made during posted business hours. 

I now show a delinquent mark on my credit report for the XXXX payment. This is unacceptable.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I initiated a phone call to the company inquiring about my credit limit and why wasn't I provided a card in the mail? The company referred me back to the dentist office, Dentist office referred me back to the company. I certified mailed in a Debt validation letter inquiring about this account. As well as started a dispute with all 3 credit bureau about this account, it was reported closed but not removed. Currently The company XXXX XXXX continuously attempting an ACH withdraw everyday or every other day out my account as the account is reported closed on my social security credit report. Furthermore The Dentist office XXXX XXXX XXXX as well as XXXX XXXX are reporting two different company names. Which has me totally confused.