davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (UT)

I have an AMEX platnum card. The card gave me an offer that if I spent {$200.00} at XXXX XXXX I would get an {$80.00} credit. On XX/XX/XXXX, I stayed at the XXXX in XXXX Ohio for a total of {$250.00}. When I contacted AMEX, they advised me that in the terms, it states that the offer is only valid at 3 of the 18 XXXX XXXX ( excluding even XXXX XXXX  properties ). I feel that it is exceptionally deceptive and unfair to offer a promotion and then limit it to less than 20 % of the hotel brands. Had this been more clear and transparent, I would have stayed at a less expensive hotel.
Consumer complaint received 2024-04-30
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

WELLS FAEGO fabricated a fake loan number XXXX in XXXX and foreclosed on my home in XXXX and stole my home after 26years of ownership. I bought the home in XXXX and paid it off to WORLD SAVINGS BANK in XXXX. 
WELLS FARGO TRYED TO STEAL MY HOME since XXXX and I had to take them to Bankruptcy court in XXXX to proof their claim and they could not and the case was discharged. WELLS FARGO then fabricated a loan number XXXX in XXXX and with forged default documents recorded at the county recorders office and foreclosed on fraudulent documents on my home and stole it with the help of XXXX XXXX XXXXXXXX husband and wife team XXXX and XXXX XXXX hired by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX
Consumer complaint received 2022-12-20
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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
Consumer complaint received 2023-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit reporting act XXXX  Account # XXXX 15U.S Code-1681 Section 602 States : I have the right to privacy 15U.S Code- 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S Code- 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 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/XXXX Filled for loan modification and assistance- application and other required documents. 

XX/XX/XXXX No assistance - still waiting - need IRS subordinate agreement - BB & T will not corporate with the Irs I wed the subordinate agreement approved in order to receive a modification and BB & T said I can not get a modification without the subordinate agreement. I have tax liens on my public records report for a business debt for payroll payments to the IRS. These reports show on my property has liens because I can not get them removed only by the irs. 

XX/XX/XXXX - modification. Application again not result or assistance. 

XX/XX/XXXX - complete motivation package XX/XX/XXXX - denied modification package XX/XX/XXXX - submit another modification package XX/XX/XXXX - package resubmitted and denied again XX/XX/XXXX - denied again XXXX Filled for loan modification and assistance- application and other required documents. 

XX/XX/XXXX - irs reaches out to the Truist Bank- formerly BB & T- no response from them. 

XX/XX/XXXX - time has expired with Truist Mortgage and I had to submit another modification package to avoid foreclosure. 

XX/XX/XXXX - Filled for loan modification and assistance- application and other required documents. this is 10 times that I have submitted a modification package to the mortgage company. And I keep getting the same run around! 

XXXX/XXXX/XXXX - another package was submitted and 45 to 60 days later same result. They let the Irs application expire and they will not send the required documents that irs representative is asking for which is the deed and the modification process that states I will not receive any funds from the modification just restart my mortgage. 

XX/XX/XXXX - submitted another modification package and another Irs application for the subordinate agreement for the tax liens and the truist is still refusing to assistance for a modification!
Consumer complaint received 2023-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (NM)

I received a letter from Mitchell D. Blum & Associates, LLC, requesting I pay {$49.00}. I believe this bill originated from XXXX XXXX XXXX and it is erroneous in nature. This bill collector is attempting to debt that is not owned by me. I have to insurances XXXX being XXXX, the other is private. XXXX has never received a bill from this hospital for services on the date of XX/XX/2020, I was never seen at this hospital on that date.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.
Consumer complaint received 2017-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Check Security Associates, LLC (HI)

Warner Asset Location Services called my mother, my friend, and my sister with regards to a debt I owe them on  XXXX   XXXX ,   XXXX  .     I just received another call from my sister advising they called her again as well as called her husband and   XXXX   daughter on  XXXX   XXXX ,   XXXX  .     The second call being after I spoke with them and set up a payment arrangement. I have also not received a written notice to what the debt was nor was I sent anything regarding the payment arrangement.     I looked up the law and it states they are not allowed to disclose to another person the reason for the call and on both instances they advised my sister, they were attempting to collect a debt. They also left a message on her phone looking for myself as well as my mothers phone.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (GA)

I file a dispute with Experian about the information that they was reporting about a PUBLIC RECORD in my profile. The credit reporting company replied that the information was verified and certified by the reporting company XXXX XXXX. Yet prior to filing the dispute with Experian the reseller of the information sent me documentation that the information has been removed from my file with Experian. How can this information be accurate if the reseller has certified with me its removed, and certified with Experian that its true. Unless Experian never took time to do a thorough investigation. Which puts them in violation of FCRA REGULATIONS 15 U.S. code 1681e compliance procedures. I have attached the document from the reseller to this complaint.. This info does not meet METRO2 compliance standards ( its not me ) and must be removed.
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Muskegon Car Credit, Inc. (MI)

XX/XX/XXXX in judgement amount of XXXX paid to Orbit leasing told Treasury of Michigan in XXXX that the balance was XXXX dollars owed. Received in XX/XX/XXXX correspondence about another balance owed in amount of XXXX odd dollars from Orbit Leasing again. I paid this company through XXXX district courts for fine in XXXX but paid XXXX district court for fine due to Orbit Leasing in XXXX for debt. Also was garnished by Michigan Treasury in XXXX, XXXXOrbit Leasing, I had to let it happen this way because at time I was homeless and mainly living in an hotel and with family up until XXXX of XXXX when I moved to XXXX XXXX XXXX XXXX XXXX MI XXXX 

Case number used to garnish wages XXXX year XXXX for year XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$29000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (VA)

I was trying to use my Wells Fargo credit card about a week ago and found I couldn't charge anything -- it was being declined for routine transactions I've been making for almost 12 years with the same card company/credit card account. I called to ask what the problem was and was told that there was a " problem with my account '' and had I not received a letter. I told them of course I had not received a letter. If I had received a letter I would not be trying to use the account that day. They agreed to send a " second letter '' and wouldn't tell me anything more on the phone even though they had fully verified my account.

I got the letter today and it said they were closing my account for one of a possible four or five different reasons, but not telling me which reason it was. They treated me like a new customer or a customer who had not been paying my account regularly for the past 12 years. I often go over my limit a little bit, but always pay off the overlimit amount within a few weeks.
Consumer complaint received 2023-11-20
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. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

I noticed an unauthorized hard inquiry. This inquiry was not initiated by me, nor do I have any record of granting permission for such an inquiry. 

Under the FCRA, credit reporting agencies are obligated to investigate disputes and correct any inaccuracies within 10 days of receiving a dispute. Therefore, I kindly request that you promptly investigate this matter and remove the unauthorized hard inquiry from my credit report. 

look forward to receiving confirmation of the removal of the unauthorized hard inquiry from my credit report within the legally mandated timeframe. 

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Delawa # 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 a account without my written instructions 15 U.S.C 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 Transcript Follow along using the transcript.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FISERV INC. (SC)

Fiserv aquired XXXX XXXX on XX/XX/XXXX. The Fiserv XXXX Form 10 -K did include the aquisition of Merchant XXXX and excluded the liabilities of XXXX XXXXXXXX. XXXX XXXX was liable to this case prior to aquisition. We discovered on XX/XX/XXXX the aquisition after XXXX XXXX obstucted. Fiserv is liable upon aquisition of XXXX XXXX. XX/XX/XXXX Fiserv declined disclosure based on false statements and hearsay from XXXX XXXX upon factual evidence, facts, and time line we disclosed. XXXX XXXX aquired our unique data on XX/XX/XXXX, our unique data was used to open a fraudulent bank account at XXXX XXXX XXXX to facilitate a fraudulent merchant account at XXXX. Fraudulent transactions went through both accounts. XXXX verified and confirmed identity theft at XXXX XXXX XXXX, XXXX verified and confirmed identity theft with XXXX XXXXXXXX on XX/XX/XXXX. XXXX closed both fraudulent accounts on XX/XX/XXXX. XXXX placed our data on the XXXX for XXXX XXXX identity theft on XX/XX/XXXX. The unique data came from XXXX XXXX and aquired on XX/XX/XXXX and used to facilitate both fraudulent accounts causing the XXXX. On XX/XX/XXXX XXXX XXXXXXXX claimed in a XXXX report to the New Hampshire attorney general XXXX XXXX became aware of a data breach and identity theft occured within. We were never notified from XXXX XXXX of the breach or identity theft, or the XXXX. XXXX XXXX claimed an ongoing investigation to locate victims in the XXXX. We discovered the XXXX on XX/XX/XXXX during and ongoing investigation at XXXX XXXX from a different source. Our businesses were frozen due to the Match. XXXX XXXXXXXX was notified of the Match on XX/XX/XXXX during their claimed ongoing investigation and began to obstuct by blaming XXXX XXXX as the source of the Match knowing XXXX placed the Match for Code 14 identity theft on XX/XX/XXXX. XXXX XXXX was obstructing this case to maintain the value of XXXX XXXX before the aquisition of Fiserv. Prior to the Fiserv aquisition of XXXX  XXXX, Fiserv aquired XXXX XXXX in XXXX, in which the prior owner of XXXX XXXX was found guilty of opening fraudulent merchant accounts to XXXX. While our businesses, data, credit, websites, products, and patents are frozen and destroyed due to the XXXX caused by XXXX XXXX. The Match is a weapon. Fiserv aquired liability to this case and has declined additional disclosure. XXXX XXXX XXXX admitted, disclosed, and now obstructs. XXXX admitted and disclosed supporting evidence. XXXX XXXX obstructed. This document is an update to the XXXX XXXX XXXX complaint. Fiserv has denied additional discloser. XX/XX/XXXX XXXX was requested to provide a resolution proposal with terms and condition to mediate and mitigate and has refused.
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Simon's Agency, Inc. (NJ)

I have notified Simons Agency Inc by Certified mail about this complaint and they completely ignored my complaint about this issue. 

Simons Agency Inc in NY has been trying to illegally collect from me and has left XXXX entries on my credit reports. I have asked NJ Treasury to look up Simons Agency to verify if they are bonded or not ... NJ Treasury has confirmed to me that Simons Agency is not bonded to collect in NJ and is not legally allowed to collect in NJ without bonding. 

According to New Jersey Section 45:18-1 Collection agencies must file bond to engage in the business of collections in NJ, there for Simons Agency is not legally allowed to collect from me or put anything on my credit report because they are not bonded to do so. 

Simons Agency Inc has already broken NJ law and is in violation of the law. I ask that this be fully investigated and to comply with my resolution.
Consumer complaint received 2023-10-07
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: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-11-20
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: Experian Information Solutions Inc. (NC)

today on XX/XX/2023 I contacted XXXX about a fraud account on my XXXX credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my XXXX  account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. XXXX is being deceptive and i do not like that.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with XXXX XXXX XXXXXXXX, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with XXXX XXXX XXXXXXXX and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX