davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: Affirm Holdings, Inc (HI)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft. not later than 4 business days after the date of receiot. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2024-02-29
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. (TN)

Item was discharged and the Credit Bureaus did not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I received two American Express prepaid cards as a reward for attending a timeshare presentation. I attempted to use these cards on multiple occasions in person and online. 
Merchants included XXXX XXXX XXXX, a windshield tinting company, a pool store, an online wine purchase, XXXX online purchase. On all occasions, the cards were rejected. Multiple calls to the support number on the card only yielded the response that the charges were blocked for my protection because the merchants were suspect. I countered that these merchants had been in business for years, but got no help from the representative except to say to try them at another merchant. 

I finally tried to redeem them at a restaurant, only they could not be redeemed for the full {$100.00} value, but only for {$80.00} each. Another call to AmEx support. They said 20 % gets held back for a tip, which would be fine if they allowed you to close out the transaction and add a tip, but they did not. Cards both had a {$12.00} hold and only {$8.00} showing available when I checked. I was told the hold would be cleared in 7 calendar days. Not so. Another call to AmEx support and they said no that the hold would be cleared in 7-14 business days, conveniently taking me past the 3-month issue date of the card. As of today, holds have still not been released and {$3.00} has been deducted for being past the 3-month mark. Pending charges on credit cards are cleared after only 2-3 days. It seems like the difficulty in using these cards is by design, so that people get frustrated and American Express ends up with your hard-earned cash.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I called XXXX numerous times from XX/XX/XXXX to XX/XX/XXXX to request that my alarm service be terminated because I was relocating from XXXX XXXX, AL to XXXX, GA. Each time that I called XXXX I was transferred from department to department. When I disclosed to the representative that I was calling to terminate service, the representative disconnected the call. Finally, I spoke to a XXXX representative on XX/XX/XXXX. The XXXX representative advised me that my alarm service would be terminated at the end of the billing cycle. The XXXX representative also advised me that there would be no penalty since I am selling my house and moving into an apartment in another state. On XX/XX/XXXX, XXXX illegally drafted {$580.00} without my permission. I have no idea why XXXX drafted {$580.00} from my bank account. My normal monthly payment was {$57.00} per month. I disputed the draft of {$580.00} that was illegally drafted by XXXX and the funds were returned to my XXXX XXXX XXXX account on XX/XX/XXXX. A few months later I received an alert from my credit monitoring account the Credit Collection Svcs placed a collection account on my credit file for XXXX in the amount of {$2200.00}. I was an XXXX customer for almost 8 years and I was never late on any payments nor did I miss any payments. I am a XXXX veteran and it is unfair that XXXX is trying to tarnish my good credit and gauge money out of me that I do not owe to them.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (IL)

I had created a credit file a dispute in XX/XX/2021, regarding my mortgage with XXXX for XXXX XXXX XXXX XXXXXXXX. This dispute subsequently closed my Equifax credit report from accepting mortgage payment information and stopped my mortgage account with XXXX from showing up on my Equifax credit report. 
My mortgage company has sent multiple letters to request that Equifax please un-suppress the mortgage file with XXXX for XXXX XXXX XXXXXXXX XXXX allowing the mortgage payments and account history information to be reported to Equifax and available to me. I have not received a response nor has XXXX and this has affected me getting credit approval because I do not have a complete credit report.
Consumer complaint received 2021-03-14
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. (GA)

I mailed an certified letter to Trans union to verify incorrect info reporting on my credit report. Ex Bankruptcy Case Number : XXXX In response to my request, Transunion did not provide documentation where the information was verified to be accurate. Transunion also claimed to have verified with XXXX XXXX  in the past, i have sent them a letter from the company starting they were not able to verify this info.
Consumer complaint received 2016-12-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (NY)

On XX/XX/2016, I spoke to XXXX in the Late Stage Collections Dept. at Key Bank. I brought up the five following topics for discussion. He told me that his supervisor, XXXX, had the authority to address these topics and that she would call me " tomorrow, '' XX/XX/2016. The five subjects were : 1 ) Participation in the NYS Attorney General 's mediation program before the filing of a foreclosure action ; 2 ) my request for a stay of any legal action and forbearance of any legal process for some time for a stay of any legal action and forbearance of any legal process for some time, because 2 3/4 months had been " lost '' because of XXXX, Division Manager of Consumer Collections XXXX misrepresentation regarding the applicability of HAMP, and I had just received a loan modification application from XXXX on XX/XX/2016, and I needed to complete two tax returns as part of this application and would be without a car until at least XX/XX/2016 and would need some time to complete these tax returns and the application ; 3 ) sale of the loan to XXXX or XXXX to take advantage of loan modification and extension programs similar to HAMP and UP, since these programs expire on XX/XX/2016 ; 4 ) stay of the notice of acceleration letter ; 5 ) how we should handle adjustments to the loan account for counterclaims against Key Bank. 
I did not receive a phone call from XXXX on XX/XX/2016, as I had been promised by XXXX. I called on XX/XX/2016 and requested to speak to XXXX. I was told XXXX was unavailable to speak. I left a phone message for her to call me and, if I was not by the phone, to leave a message with the best time - or even better - a specific time I can reach her and I will call her at the time she specifies. I did not receive a phone call on XX/XX/2016 and have yet to receive a phone call from XXXX. The Wall Street Reform and Consumer Protection Act requires responsive communication from Key Bank. I will be sending a copy of this complaint to Key Bank Chairwoman and CEO XXXX and XXXX, Division Manager of Consumer Collections XXXX.
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Identity theft and foreclosure for a trustee that nation star mortgage said they were the owners. As per the trustee XXXX stated they were never the owner ever of XXXX XXXX XXXX XXXX tn XXXX so how can you assign the loan to yourself without the actual owner saying they were n't the owner ever?
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I need a repair affidavit form from CMC Funding. Their website to supposed to make it available to me but it isn't. I contacted SLS, who services the loan but they would not help because I was not willing to give them the last 4 of my social security number. I WILL NEVER GIVE THEM THE LAST 4 OF MY SOCIAL OVER A PHONE!!!!!!!!!!!!!!! so don't take that as their response. The repair affidavit form is a BLANK FORM!!!! They will not make it available to me or mail it to me!!!!!!!!!!!!!! Please help me get them to send me the required form so I can fill it out and send it back so the funds to repair my house will be released!!!
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I asked for the line of credit. Was approved and gave my account information. In turn I was not told in the contract that they needed another bank account added that had my direct deposits in it. I told them my other account should suffice. They immediately told me they couldn't lend to me if they didn't have the other account on file. I asked for them to take the hard pull off of my bureaus and to scratch the application since they did not state in their original disclosure that I needed to provide more than XXXX XXXX  account to do business with them. 

I want the hard pull to all credit bureaus removed immediately. They are very shady and predatory to ask for more bank account access whenever I gave them a good account.
Consumer complaint received 2023-03-02
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 NUMEROUS 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

I filed a dispute with Equifax. Mortgage was showing the last four years all payments were 120+ days late which dropped my score over 50 points. The error was corrected in the fact that the payment history was changed back to what it should be. Equifax refuses to give me the points back on me credit score. I have spoken to an agent and they told me basically it's not their problem and they won't give me the points back on my credit score.
Consumer complaint received 2016-03-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (MA)

In XXXX XXXX my ex husband and I purchased a home. The mortgage was with XXXX XXXX XXXX and he was the only one on the Note. I was not used to secure the loan or added as a co-borrower. XX/XX/XXXX we modified the mortgage and again I was not used to secure the debt and they did not consider me financially responsible for the debt. In XX/XX/XXXX I believe the mortgage was sold to XXXX. We got divorced and the house was to be sold. I listed the house, XXXX was reporting it to my credit. During the process of selling the home it was discovered that I was not on the original Note and XXXX had been reporting it to my credit in error. They removed it from my credit report. XX/XX/XXXX the Mortgage was sold to Seneca Home Mortgage. I work for an attorney and we were helping my ex with the sale of the home. XX/XX/XXXX XXXX started to report the mortgage to my credit claiming that because we did the loan modification in XX/XX/XXXX it added me to the note when infact the modification did not change the terms of the original not and the note that was recorded with XXXX was the same note that they had when the home was first purchased which only had my ex husbands name on it. I have spoken to people at XXXX and XXXX and they have said I am not responsible. I did not sign or fill out the modification paperwork. I have written to Seneca and provided them with all the information I have from XXXX and XXXX and they are refusing to remove this debt from my credit. In the second letter I sent to them the basically responded saying that they will no longer entertain looking into the issue and as far as they are concerned I am responsible. I need help. I know I am not financially responsible for this loan and I want them to remove it from my credit immediately.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To date, I have not received a response. 


Regarding the XXXX XXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$8700.00} ), I disagree with the reported balance of {$8700.00} and request that you delete the information regarding the Past Due amount, as this account is closed and charged-off. Since my credit score is affected by changes to my accounts, I request that you mark this account as disputed so that it does not negatively impact my credit score. 
The information on the XXXX XXXX XXXX XXXXXXXX account ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) is inaccurate and is harming my credit reputation. The reported balance of {$4800.00} does not correspond to the lower amount that I remember. I request that you revise the Past Due information, as it is not accurate to report a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to decrease, and I need to reach an agreement with my creditor regarding the incorrect data. Therefore, I request that you mark this account as disputed so that it does not further harm my credit score. 
The reported information on the XXXXXXXX XXXX XXXXXXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$710.00} ) is inaccurate. The reported balance of {$710.00} is inflated and does not correspond to the lower amount that I remember owing. The XXXX XXXX amount reported by your agency for this account is also inaccurate, as this account is closed and charged-off. Therefore, I intend to contact the creditor directly to correct this information, and I request that you mark this account as disputed until the issue is resolved. 
The reported information on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$33.00} ) is imprecise. The reported balance of {$33.00} is higher than the amount that I remember owing. Therefore, I request that you remove the amount indicated in the Past Due section, as this account is closed and charged-off. I plan to speak with the creditor of this account to clarify the reported data. Until the appropriate corrections are made, please mark this account as disputed.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Alpine Financial Solutions, Inc. (PA)

I was contacted twice on XX/XX/XXXX by a company calling themselves " XXXX '' and they represented " XXXX XXXX. '' I was told that I owed them a debt from 2008 and that they were hired to attempt to collect the debt prior to trial. I have never dealt with " XXXX XXXX. '' They also provided a social security number that was not mine but did not believe me when I told them that was not mine. I did not provide any information and told them that I do not believe them, I think this is a scam and I am reporting them immediately.
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) XXXX XXXX OPEN BALANCE IS {$1700.00} OPENED XX/XX/2023 ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX  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.

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 any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 

REMOVE OR DELETE THE ACCOUNTS
Consumer complaint received 2021-04-23
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. (CA)

In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My Equifax report is not showing and no scores or account is available. 
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.