davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (NC)

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 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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXXtates I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2020, I purchased a XXXX XXXX ticket in the amount of {$530.00} from XXXX using my XXXX Visa credit card serviced by Comenity. I also purchased traveler 's insurance from XXXX in the amount of {$30.00}. Upon reviewing my credit card statement, I discovered that XXXX had charged my card an additional {$86.00} on XX/XX/2020. 

While I have receipts for both the ticket and insurance, I have no record of why XXXX would charge my card this additional sum. I contacted Comenity to explain the situation and that the {$86.00} charge was not legitimate. Comenity indicated that they would note this in their system and their fraud team would be in touch. Afterward, I received two follow-up letters from Comenity - one indicating only that I had contacted them and the second indicating that it appeared the charge was fraudulent and they were investigating. A few weeks later, my card began to be declined. 

I reached back out to Comenity and was told that the account had been closed and a new card was being sent to me. I was not given prior notice of this action. Comenity further indicated that nothing was being done about the disputed charge as it was reported as fraud and should have been reported as disputed. I spoke to a supervisor as well and basically was told I had used the wrong terminology to report the issue, but that " this was a good learning experience ''. 

They said that they had contacted XXXX and were told the charge was legitimate. Additionally, they told me that since I " had clearly given my card number to XXXX, all charges are therefore legitimate ''. I asked if XXXX had provided a receipt of why the amount was charged. Comenity said they had not, and told me I needed to contact XXXX myself. I repeated what I had originally told them - that I was unable to reach XXXX and that all numbers/emails I tried ( over the course of a week ) just routed me back to an automated message saying that XXXX was only speaking to customers who were traveling within the next three days. I requested that the dispute be filed again. 

Hearing nothing from Comenity over 30 days later, I filed a complaint with the Better Business Bureau. Comenity 's only response to the XXXX complaint was further unsatisfactory delay tactics. Despite my providing additional documentation and information to Comenity, the company has yet to respond to my latest inquiry. This matter remains unresolved and the charge remains on my account. 

This issue has been ongoing now for nearly seven months. 

Copies of documentation and correspondence is provided.
Consumer complaint received 2021-05-18
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: BARCLAYS BANK DELAWARE (TX)

I WAS VICTIM OF IDENTITY THEFT AS A RESULT SEVERAL ACCOUNT APPAER IN CREDIT REPORT AND TAXES WERE FILE UNDER MY NAME BARCLAYS BANK DELAWARE # XXXX.
Consumer complaint received 2023-06-02
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. (OH)

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-18
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)

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, The Consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2016 I wrote this letter in to equifax on XXXX and am waiting on a response upon receipt.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On or about XX/XX/XXXX, I noticed that there was fraudulent transactions on my account as well as ATM withdrawals. I notified the bank and filed a claim. After filing the claim I gathered all the information I could about what could have happened and filed a police report. I was almost 100 % positive I knew who had stolen from me which was reported to the bank and local police. After a week or so I received a denial letter from the bank statin that I either authorized or allowed the person to use my debit card for the charges. I called the bank back and refilled the claim explaining to them that I most definitely did not let anyone use my card or take money out of my account. I had informed them of the ways this person was able to take the money due to the fact that I use my XXXX XXXX to pay for things with the XXXX XXXX  feature and my card was in a drawer in my room. The person I was seeing had stolen my watch and was using it for codes needed to authorize certain transactions. As well as the fact that she would have had multiple opportunities to see my pin when we were out doing things and I had to pay with pin. The bank was also given a 3 page personal sworn statement and as of today, XXXX XX/XX/2021 the claim was denied for a second time. When I called I was told pretty much I was XXXX  The atm withdrawal was done at a Bank of America branch and they would have been able to pull the footage and see it wasnt me who took the money and that it was a women, the person I was seeing who then stole a bunch of stuff from me, and be able to verify my claim. Instead they told me there is no use in filing an additional claim as it wont be able to do anything. Im at a loss for words at XXXX I am. The total of the claim is {$2400.00}. That is a large portion of my income which is my VA XXXX. I have no job and this has put me in the red so far I dont believe I will be able to get back out if not fixed.
Consumer complaint received 2021-05-18
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)

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, The Consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 XXXXl Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2016 I wrote this letter in to equifax on XXXX and am waiting on a response upon receipt.
Consumer complaint received 2015-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.
Consumer complaint received 2017-09-08
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. (CA)

Equifax announced that they had suffered an account breach that compromised the information of over 143 million Americans. After checking whether or not my information had been compromised using the site they provided, I was told I was affected. This data breach may have compromised my credit and divulged information such as my social security number, accounts, and addresses. I checked my credit report using XXXX from all three agencies ( including Equifax ) and everything seemed normal. I also added a 90 day fraud alert to my account but had to use XXXX 's site for that as the Equifax site was broken.
Consumer complaint received 2021-05-18
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. (MN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX/XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2021-05-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

On Wed, XX/XX/XXXX, XXXX XXXX, loan officer XXXX XXXX reached out to me with a new quote for a refinance on my home. He told me to not make the my XX/XX/2021 mortgage payment due to closing a loan in that month I should have 2 months free of payments. I stated in an email that I've made my payment XX/XX/2021 and he continued to state that he was going to reverse the payment because it should've been skipped. On Wed, XX/XX/XXXX, XXXX XXXX  I replied to XXXX and told him I made the payment already. On Wed, XX/XX/XXXX, XXXX XXXX  he stated " Yes that's in reference to getting two months without a payment. If we can refund it we will, but if the payment has already processed and the payoff shows due for XXXX, we won't be able to. '' and that was the last I heard about my payment. 

Now here it is XX/XX/XXXX and my payment is showing as late when I was told there's a possibility it could be refunded. I spoke to XXXX in Loss Mitigation from Village Capital and Investments on XXXX XXXX and she told me to submit my documentation to the documentation department and they will check with the cashiers about my payment. 

I called back today XX/XX/XXXX 5 times to their office to be hung up on, laughed at and belittled by the agents I spoke with. I found out that the cashiers office will not refund or reimburse me and now I'm stuck with a delinquent loan payment for XXXX. 

I was signing the documents under the impression I was provided by the loan officer that I would miss 2 payments. I was lied to and taken advantage of.
Consumer complaint received 2023-08-09
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 XXXXXXXX # 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 2021-05-18
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)

There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX Amt {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX, I - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

On XXXX XX/XX/2021 I receive a Email from XXXX XXXX XXXX Consumer Resources Tennessee XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX XXXX XXXX. XXXX with XXXX XXXX Tennessee Department XXXX XXXX XXXX, they agree Due to the ongoing pandemic they will be happy to review removing the charge-off completely as a courtesy off my credit report I dispute this item a with Equifax & they will not remove off my credit file this was related to the job loss, pandemic and subsequent charge off reporting incorrectly. I receive emails from First south Vice President, Risk Management XXXX XXXX Ph. XXXX Fax XXXX with a letter to send to Equifax & they still will not remove this charge off my credit file. I'm not understanding why Equifax will not remove this item off my credit file i dispute this item before it went over 30 days & Equifax still wont remove after receiving the letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-18
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. (CA)

I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX  This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AL)

I have a mortgage with Shellpoint Mortgage Service. Due to Covid and a XXXX, I was offered a forbearance program during a financially hard time. I accepted the offer and was not told there would be any fees. In XXXX, I spoke with XXXX XXXX about initiated payments again so I could get back on track. XXXX stated that we could not start paying and we needed to wait till XX/XX/2021 and they would tell me how to proceed. 

I am selling the home to move into a more suitable place for my age and health and just received word that, though the loan balance is {$100000.00}, that they are charging me {$120000.00} payoff. 

This is more than 20 % over the loan balance and has created even more financial hardship as I attempt to rebuild my life. I have requested a breakdown of the fees and the date they are for. In searching online for customer complaints about this company, I am finding that this is a common practice with them. I am requesting help in dealing with this situation please, as well as a review in this companies dealing with other customers such as myself.
Consumer complaint received 2021-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MO)

I was interested in being pre approved with AmeriSave mortgage. My loan officer XXXX XXXX stated I had to pay an " appraisal fee '' in order to lock in my current rate. I paid {$540.00} on XX/XX/XXXX. There was no disclosure stating this was a non-refundable fee. Due to the current state of the housing market, we decided to not purchase at this time and I requested a refund of the appraisal fee. XXXX stated he would request my refund on XX/XX/XXXX. I noticed my refund had not been processed so I reached out to XXXX again. He stated he was not able to process the refund due to " reasoning '' and that I should reach out to customer service. I reached out to customer service and they stated they would reach out to his manager with the request. It should be noted, we never even put an offer in on a home and had no services rendered by AmeriSave Mortgage.