davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank (CA)

I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX  alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in XXXX and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. 

The account is with the XXXX XXXX XXXX account number XXXX Another account was opened without my authorization AS XXXX & that LENDER is : XXXX XXXX XXXX account opened & closed in the amount of {$220.00} on XX/XX/2021
Consumer complaint received 2022-11-02
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX states i have a refund from amer exp, i dont know how to reach them, also have a problem resetting my p/w on this system. So if you can usos all mail that way.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

Received letter from Blitt and Gaines, PC regarding debt dated XX/XX/2023. The notice gave 2 options for payment due by XX/XX/2023. However the notice was not received until less than 30 days of the due date given. The sum is large and given the delay I had even less time to respond. No further notices were received or follow up from the firm after the due date.Tried contacting the firm to set up a payment plan and work on an agreement as I am going through a financial hardship however the firm rejected any of my efforts to set up a payment plan. The agent at the firm said only a one time payment was accepted after I asked for a payment plan due to my situation. Recently, my employer informed me of a wage garnishment presented by Blitt and Gaines, but I was never served with court documents with a court date or time and never given copies. I was not given the opportunity to appear in court to agree to a manageable payment option within the financial hardship I am facing. My employer notified them that I was unemployed and there was no garnishment that could be taken out. They then proceeded to send my employer filed documentation from court to begin the garnishment, again I did not receive any notices from the attorneys office or the court house or was able to represent myself or voice that I could not make the payments that they are demanding.
Consumer complaint received 2023-04-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC (TX)

They have been calling daily. They dont identify themselves. They ask me to verify my information and when I refuse because I dont even know whos calling the proceed to tell me they already have my information and then they tell me my address, date of birth and social security number and keep asking me to verify. They never say what the call is about. They have left a voicemail stating theyre from Global trust management and give me a number that does not match what global trust management has on their website. They call from various local numbers. I have asked them not to be calling my number but they yell over me and then hang up.
Consumer complaint received 2023-06-19
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (CA)

In XX/XX/2023, I began receiving a series of notices via email from Experian. The messages said " you no longer have a credit score, '' then a few days later would be followed by messages saying, " you now have a credit score. '' I am currently applying for a mortgage loan and my lender is unable to get my credit score from Experian. I have called Experian and opened disputes, and the XXXX time I was able to get an Experian representative on the phone she informed me that Experian had my legal first name wrong in their system. My legal name is " XXXX. '' Experian, entirely on their own, has put my name in the system as " XXXX. '' The representative confirmed that Experian has copies of my legal name change documents that I provided in their files, and she said she would have the issue corrected within XXXX business days. This was XX/XX/2023. As of today, XX/XX/2023 I am still unable to access a credit score via Experian. Their website says I do not have a credit score still. My lender needs this information, and I have over 20 years of credit history. Experian 's arbitrary error in my legal name is stopping me from buying a home. I have tried written and phone resolutions, to no avail. I appreciate any and all help from the CFPB with this matter.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My original mortgage papers from XX/XX/XXXX when my loan was with XXXX XXXX XXXX indicate that my PMI should be automatically terminated on XXXX. My loan was sold to Nationstar Mortgage XX/XX/XXXX. The PMI did NOT automatically terminate on XX/XX/XXXX even after I contacted Fannie Mae to verify that the mortgage company is REQUIRED to terminate the PMI on this date, per my mortgage papers, and then after speaking with Nationstar who told me they needed to refigure the escrow and my next payment on XX/XX/XXXX should reflect this deduction. That has not happened and I am tired of getting the run around from Nationstar mortgage who is a fraudulent mortgage company and breaking the law if they do not comply with XXXX.
Consumer complaint received 2023-08-14
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. (VA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (NV)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: CarMax, Inc. (TX)

My wife and I were pre-qualified for a car loan with XXXX XXXX. We took the letter to the dealership as told. The dealership ran our credit with other finance companies without XXXX signing approval for that. I ask the dealership why they didn't use the XXXX XXXX and he replied that XXXX XXXX did not approve us. I found out XXXX XXXX did approve us, but we needed to get more for our trade in then what the dealership were offering. I requested for the inquires to be removed from the finance companies since they have no signatures. Still on our credit report. Also, XXXX XXXX and Carmax running ads, get pre-qualify with no impact to your credit and they also have hard inquires on my 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
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I opened a credit card account at Citibank a few months ago. In the past two months I have never received a statement, by mail or email, or a notification that my statement is ready and to logon to see my account. I was just charged interest on my balance, which I only discovered due to downloading transactions in XXXX. 

I feel that charging interest and late fees without any notice is unfair and deceptive practice. 

I have checked my inbox, spam file and trash file in my email to verify that no notice was received. 

I spoke with Customer Service who refused to rectify the problem.
Consumer complaint received 2022-11-03
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (MO)

I have sent dispute letters against the Credit Bureaus requesting that the XXXXredit Bureuas correct my Credit File from erroneous information by updating, correcting, and removing the misleading information beinf reported on my Credit File. I have read that under the Fair Credit reporting Act, 15USC sections 1581i, the Credit Reporting Agencies are obliged to conduct and finish their investigation within 30 days, the time allowed by XXXX, or otherwise, the Credit Bureaus will be subject to investigation. On XX/XX/2022, I sent another Dispute letter to the Credit Bureaus requesting them to either correct or remove he erroneous accounts reporting on my credit file. As of now, I am submitting this CFPB complaint to remind the Credit Bureuas of my disputes and requests. Once again, I need the following erroneous accounts corrected and or removed from my Credit File as soon as possible : XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Flagstar Bank is the servicer for my home mortgage. 

Between XXXX XX/XX/2022 and XXXX XX/XX/2022, Flagstar Bank ( Flagstar ) erroneously placed an escrow on my account for lender placed insurance. Flagstar 's action was erroneous as I have in fact always had insurance coverage and Flagstar was aware of my insurance coverage. 

I have provided all information requested of me by Flagstar, including all insurance documentation to evidence my insurance coverage. I provided the requested information on at least five separate occasions in response to letters from Flagstar repeatedly requesting proof of insurance. 

On XXXX XX/XX/2022, the prior servicer of my mortgage, XXXX XXXX XXXX XXXX XXXXXXXX ), provided notice to Flagstar of escrow error. Further, XXXX provided payment for {$8700.00} to Flagstar for reimbursement of insurance escrow, which was to either be credited to my mortgage account or forwarded on to me as reimbursement. Flagstar endorsed this check, numbered XXXX, on XXXX XX/XX/2022 and cashed the check on XXXX XX/XX/2022. To be clear, I did not receive this reimbursement nor was the payment credited to my account. Rather, Flagstar received and kept this payment for its own benefit. 

After countless follow up conversations that I had with Flagstar, Flagstar continued to willfully charge my account for an insurance escrow it knew was erroneous. Further, during several telephone conversation with representatives of Flagstar, Flagstar admitted the error and stated that I would be reimbursed. Despite several follow up attempts on my part, I have yet to receive reimbursement. 

On XXXX XX/XX/2022, Flagstar sent a " second and final notice '' demanding that I " immediately '' provide proof of insurance coverage and that a failure to do so will cause Flagstar to charge my account for lender placed insurance ( now for a second time ). I have already provided the requested proof of coverage on numerous occasions and did so again on XXXX XX/XX/2022. 

Throughout XXXXXXXX XXXX and on XXXX XX/XX/2022, I informed Flagstar that I consider Flagstar 's actions to be a willful attempt to fraudulently charge my account. 

Exhausting efforts to clear this issue up and recover funds taken from me by Flagstar, I beg for your assistance. 

Thank you very much, XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
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. (FL)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (NJ)

I recently filed a CFPB complaint against XXXX XXXX and TransWorld for their abusive and unfair Debt Collections practices. Both cases were closed and I have new evidence that Tranworld is abusive and they are violateing the law. Attached will be the response from XXXX XXXX. They responded by attaching all paperwork pertaining to how my SSI Check is being garnished and it also shows as of XX/XX/XXXX my balance was {$2100.00}. 
The paperwork that TransWorld sent shows a balance of {$2500.00}. This clearly shows the discrepancy in the amount owed. TransWorld called me approximately XX/XX/XXXX to collect on this debt when I refused to give them more money they added more collection fees. It drastically dropped my credit score ( 66 points ) and I'm in the home buying process. I would ask that this matter be referred to the FTC for further review. TransWorld is impersonating as a government official because my SSI checks are being garnished and I feel like the company is treating this debt like government debt when this is a store credit card debt.
Consumer complaint received 2023-08-14
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. (MD)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2017-05-04
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. (NY)

XXXX , TransUnion, and   XXXX   the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file.  XXXX   XXXX   XXXX   XXXX   XXXX . This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sect ion 616 and Section 617.