davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

American Express Gift cards are useless, as they are scarcely acceptable to use for online purchase or for gas or at a restaurant.

I have three ( 3 ) separate Amex Gift Cards sealed and unused, that I just received from an employer. Each are purported to be valued at {$50.00} USD. 

Just minutes ago I opened and attempted to use for an online purchase. All three ( 3 ) cards were declined.

I attempted to register cards via https : //balance.amexgiftcard.com/ # / and all three ( 3 ) cards were declined.

I called the 1-888 number on the back of the Amex cards and discovered that one ( 1 ) card only contains TWENTY CENTS VALUE on a {$50.00} card. This card was never used. How is this possible? 

The other XXXX ( XXXX ) cards contain FIFTY DOLLARS VALUE each. However, I am unable to make any purchase online with these gift cards. 

XXXX XXXX : XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX
Consumer complaint received 2021-07-30
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: CAINE & WEINER COMPANY, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (UT)

I have been trying to submit a payment to UWM since XX/XX/XXXX. I finally got it to go through XX/XX/XXXX. Not once did they tell me there were issues with payment or that the ACH was getting kicked back. After I got the payment to go through, they would not apply the payment to my loan. I had to call and ask where it was, it was taken from my checking but not on my loan. Then I noticed they applied incorrectly and charged me fees after they told the fees would be waived because they had records of me calling in to ask about why my payment hasn't gone through yet. I called last week and used their online chat today to try again to get my payment applied correctly, they said it is. But it is not. I am showing I am missing {$2700.00} from my additional principal only payment. It was withdrawn from my bank account. My next payment is next week and I have a feeling I will have to again and have them adjust this one too. I have record showing that I submitted my monthly payment and additional principal correctly, but it was applied as so. I don't know what to do if they won't correct it when I reach out to them.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-10
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX sent certified letters via my Attorney to Transunion. per the court documents Transunion refuses to delete the XXXX XXXX  record
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

I had wells Fargo accounts that were opened that I was not aware and being deducted from my only account I thought I had they were going statements going to a po box money market is as etc. then I found out I have a mortgage with XXXX under my dad 's name with one of my stolen passports and now XXXX is using my dad 's name under my social and report
Consumer complaint received 2023-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (HI)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXXXXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. XXXX XXXX  ( Original Creditor : XXXX NAVY FEDERAL CREDIT UNION ) XXXX
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-08-11
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. (MS)

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts.

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (OH)

Mr Cooper home loan mortgage reported incorrect payment status on a mortgage that was closed XX/XX/year>. I have made several attempts to contact them to fix this situation and they will not reach out. File a dispute with XXXX and XXXX XXXX XXXX has provided false information I talk with their associate 30 days prior to closing, and they told me not to make the payment as it would be overpayment, now theyre reporting to credit bureau that I miss a payment / late.
Consumer complaint received 2023-10-10
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. (IL)

In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report XXXX is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company XXXX days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting XXXX to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. XXXX has XXXX days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If XXXX does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form XXXX treasury omb from to audit consumer or my account. XXXX is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.
Consumer complaint received 2023-10-10
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. (IL)

In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report XXXX is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company XXXX days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting XXXX to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. XXXX has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If XXXX does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form XXXX treasury omb from to audit consumer or my account. XXXX is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.
Consumer complaint received 2023-08-11
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Today XX/XX/2021. Sister in another state mailed me a sizeable check ( {$500.00} ) to help pay bills due XX/XX/XXXX. I deposited check on Tuesday XX/XX/XXXX at ATM of my exact bank ( worldwide recognized bank ) and got notice on ATM screen thered be a 7 day holdavailable XX/XX/XXXX. 

First, XX/XX/XXXX makes it a NINE DAY HOLD because bank does not include weekends and By XX/XX/XXXX I will be EVICTED. I need that money NOW. 

Called my bank - nothing they can do. A nine day hold is unnecessary. My sister makes > $ XXXX a year, works for herself, her bank XXXX, not unknown. 

This is a my non-regular deposit account, ie, unemployment checks do not go there. Unemployment payments have stopped for unclear reasons. That account was being closed. 

I start teaching XX/XX/XXXX. First paycheck XX/XX/XXXX. 

Cant teach if I am homeless next week.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (NY)

Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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, 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 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 2020-03-30
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: EOS Holdings, Inc. (VA)

i have been trying to get in contact with these companies that claim that i am in debt to them to tell them that the debt is not mine. i have sent in many documents stating the obvious errors concluding the inaccuracies of the account. i have noticed this for quite some time and the information is incomplete. it has taken a toll on me financially. My lawyer has been notified to stop the company from contacting me and i kindly demand your quick response and to remove these accounts from my reports ASAP. Thank you.
Consumer complaint received 2023-08-11
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. (TX)

I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that the Consumer Financial Protection Bureau investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-11
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. (MI)

Canceled debts are considered income per the IRS and can not be reported. 

Publication 4681 ( 2022 ), Canceled Debts
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (MD)

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (GA)

XX/XX/2022 was late on payments but made an arrangement to pay. Around the same time transmission started to have problems but I was informed that I wasnt paying the extra fee for insurance in which they would fixed the car. Late XX/XX/2022 car was repossessed.
Consumer complaint received 2023-08-11
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CrossCheck, Inc. (TX)

On XX/XX/23, I wrote a check to XXXX XXXX XXXX for {$1400.00} and CrossCheck denied it. We had over {$50000.00}. in that account. I wrote another check for {$1400.00} and CrossCheck denied it, too. We had over {$25000.00}. in that account. If I hadn't had a credit card to use at the time that was approved, I'm sure they would have called the police to come arrest us. This is totally unacceptable.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

I am refinancing my existing mortgage ( ... ... XXXX ) with XXXX XXXX XXXX  via Quicken Loans, to XXXX XXXX XXXX  via Quicken Loans ( ... ... XXXX ). 

The loan estimate dated XXXX indicated closing costs of {$2500.00}. I then received the Closing disclosure, XXXX, From XXXX XXXX, the mortgage agent from Quicken Loans, indicating closing costs of {$3000.00}. I realize the first quote I received was an 'estimate ' but to be off {$500.00} is, in my opinion, a deceptive practice. The Closing Disclosure could have been any amount they wanted, {$3200.00}, {$3700.00}, {$4000.00} or more and excuse it with 'it was only an estimate '! 

I gave a deposit of {$500.00} in good faith, but don't believe they are acting in good-faith with a 20 % increase in closing costs. 

To resolve this, I want my deposit back immediately.