davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NM)

XXXX Was closed incorrectly. CONDUENT IS NOT A Goverment Agency, Not State, Not Local, Not US Government. 
This was closed incorrectly. 
Conduent goes out of its way to tell employees they are not government employees and states it is NOT a government agency. 
This was closed incorrectly
Consumer complaint received 2023-02-13
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 (NJ)

I received today, XXXX/XXXX/23 a complaint from the XXXX XXXX NJ XXXX about a suit filed by XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( Attorney ID XXXX ) on behalf of American Express National Bank- which is NOT the credit card issuer. 
I reached out to American Express on XXXX/XXXX/23 via phone # ( XXXX ) XXXX I have made all of my monthly payments to American Express via their account portal, the most recent on XX/XX/23. They have accepted ALL of my payments. 
In speaking with the first representative, " XXXX '' employee XXXX XXXX she stated that the account is now being handled by an outside company called " XXXX '' - this issue at hand - ( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( 2 ) American express can not tell us WHEN it was transferred ( 3 ) the complaint is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay, not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
I was transferred to another representative, XXXX 's supervisor supposedly. His name was " XXXX '', Employee ID " XXXX ''. XXXX reiterated that the account was transferred to an outside agency " XXXX '' and that we would have to speak to them. AGAIN...... explained to XXXX .... 
( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( XXXX ) American express can not tell us WHEN it was transferred ( XXXX ) the complaint we received is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay -not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
XXXX was extremely Rude, belligerent, and unprofessional when we questioned why ( a ) if transferred to an outside agency, why they " American Express '' is still accepting my payments. ( b ) why I was never sent any notification of the Transfer ( c ) why I'm receiving a complaint from the NJ XXXX with a filing from an attorney NOT representing said agency but instead, Representing American Express! he disconnected our call! 
I am simply asking for information, a paper trail - that American Express seems to either not want to provide, or can not! Can someone please assist. as the consumer, I hae a right to the correspondence. 
I then spoke to another customer service Representative, " XXXX '', XXXX ID XXXX and she again, reading from a script, no doubt - would not connect me to a supervisor.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (LA)

Late 2021 I ordered two cellphones from XXXX that were to be delivered to the XXXX store from where I ordered the phones. I received word that the phones were delivered to the XXXX store and ready to be picked up. When I arrived at the XXXX store to pick up and activate the phones the personnel at the XXXX  store could not find the phones. 

I asked if they could order two other phones since they lost the two we had ordered. The store representative said they would look into this but may take a few days. I told them to then cancel everything since I have not received the phones and when they sort out what happen i will come back in and try again. As I heard nothing for several days I decided to go with another cellular company for my cellphone needs. 

Within a few weeks I started receiving letters from XXXX stating I owed XXXX money. That letter, and the 3-4 others that I received after with increasing amounts, did not state what specifically they were trying to charge me for, just giving an amount owed. 

Each time I received a letter I called XXXX to explain what happened. Each time i called they could see in the report that I did not receive the phones and said they would take care of this. However, within a few weeks I would receive another letter from XXXX sating I owed even more now. 

Then I stated getting phone calls from Frontline Asset Strategies saying they were trying to collect the debt. I explained the situation to them and also sent Frontline Strategies a certified letter explaining the situation, and stating I would never pay a cent for products and services I never received from XXXX. 

Now appears Frontline Asset Strategies has put this through as a collections on my credit report, thus damaging my credit for something I never received and should not be held responsible for.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

There was a fraudulent activity on XXXX account resulting in a collection. This collection is from an XXXX Account that was opened in Texas in XXXX name. I have never lived in Texas. The applicant put a Texas address. The collection agency was XXXX. XXXX, XXXX After disputing with them in XX/XX/2022. I was able to get the collections removed. 

Now another collection agency called ERC XXXX is trying to collect on the debt. After multiple attempts to reach out to ERC Systems they are non responsive. 

I need this collections removed from my Credit History ASAP. I have never opened up an XXXX Account in Texas.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have recently reviewed my consumer report and noticed some unauthorized inquires & accounts on my report and my right have been VIOLATED. In pursuant to 15 USC 1681 section 602A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. None of the creditors complied with the gramm leach bliley act ( 15usc6802 ) i was never given the ability to opt out and my information was used without my permission which is identity theft. The hard inquiries & a few accounts on my report constitute being identity theft as well because the corporations that furnished them on my consumer report never had permissible purpose or written permission by me to even put them on my report. the permissible purpose law ( 15usc1681b ( A ) ( 2 ) & the GLBA have been violated which results in identity theft. 18usc1028 ( a ) ( 7 ) defines identity theft which is someone possessing, transferring or using a means of identification of another person unlawfully. Failure to comply with FCRA can cost anywhere from XXXX to {$1000.00} per violation, in addition to punitive damages determined by the courts. With that said, these companies has not only infringed my right to privacy but also violated multiple Federal Laws. I have also reported this to the Federal Trade Commission, reference # XXXX. Below will be a proper list of inquiry names with dates & accounts that I demand to be removed/deleted from my consumer report immediately! 

XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXXS ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX, XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX FXXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/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 2018-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (GA)

I purchased my house XX/XX/2018, I am in the process of suing the seller of my house for breach of contract, which has caused issues with paying my mortgage which was brought out by Flagstar Bank, I have been attempting to obtain mortgage assistance through Flagstar Bank since XXXX. I have submitted numerous documents but yet my case is closed due to no one contact me or even attempting to make contact with me through Flagstar Bank. They purposely do not reach out or send correspondence so that you are delayed and fall behind, I have left messages, emails, and even complained to the XXXX  because it is not right to offer a loan modification services and not able give the consumer to correct information or even process what is submitted. This company was sued 4 yrs ago for the same exact actions. I have spoken to XXXX, XXXX and even a " supervisor '' XXXX XXXX who was extremely nasty and unhelpful. I am still trying to figure out why I have to reach out numerous times to Flagstar to find out is needed because as stated my " case manager '' XXXX XXXX has made absolutely zero attempts to contact me or even mail me information regarding my mortgage assistance documents. I should not have inquire over 6 times to find out what is needed when I have a case manager and have asked numerous times to reach out me. I also asked XXXX XXXX to research why no one has outreached me or even made a phone call attempt and even though all of your calls are recorded I could get any information, nor was I given a reference number for the call or any other call made. I think this is the most unprofessional mortgagee company I have ever come across as if someone is being proactive all it takes is someone to actually do their job and make sure communication with the consumer is made. SO now I risk messed up credit and late payments due to the lack of respect this company has for its consumers.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (FL)

I sent over 8 faxes and 2 letters to dispute fraudulent inquiries on my credit report and all they did was delete 2 of the 7. They also deleted 3 accounts that I did not dispute. I don't know how they are doing their jobs but clearly, they are not doing a good job. This are the inquiries that they XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Gitsit Solutions, LLC. (TX)

In XXXX I was contacted by a GIT SIT SOLUTIONS stating they are the new loan servicer. Later they contacted me stating they are not only the Lender, but also the servicer. They stated they the alleged loan was transferred from XXXX XXXX XXXX XXXX XXXX XXXX. I have never had a contract with nor given consent to XXXX XXXX XXXX. XXXX has never disclosed themselves as the " Lender '', only the servicer. How could GIT SIT SOLUTIONS become the owner of an alleged loan transferred from XXXX  when XXXX was never the owner?
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED EXPERIAN, XXXX, AND XXXX VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a 0 % interest credit card with Capitol One Quicksilver beginning XXXX XXXX, XXXX. The 0 % interest promotion was for 15 months. The promotion, therefore, expired on XX/XX/XXXX. 

My due date for my statement billed on XX/XX/XXXX was XX/XX/XXXX. I paid off the entire credit card balance before XX/XX/XXXX. I made one payment on XX/XX/XXXX. I made a second payment, bringing my balance to {$0.00}, on XX/XX/XXXX. Therefore, I paid off my balance in full by the due date ( i.e. during the grace period ). 

On XX/XX/XXXX, I received a statement saying I owe {$140.00} in interest. Capitol One tells me that I did not have a grace period between XX/XX/XXXX and XX/XX/XXXX. 

When I opened the credit card, I read all the terms and conditions available to me on the offer on the website, and nowhere did it say I would not receive a grace period upon the end of the promotion. Additionally, my statement on XX/XX/XXXX did not state in plain terms that I had no grace period ( nor did it tell me the promotion ended ). Finally, per the representative on the phone, my XX/XX/XXXX statement charging me {$140.00} has a grace period until the due date on XX/XX/XXXX. 

So, Captiol One deceptively eliminated my grace period for one month just to " get '' me with an interest charge on a promotional credit card offer. This is not only fraud ( i.e. I would not have opened this credit card if I knew there was no grace period upon the expiration of the promotional offer ), but also unfair and deceptive business practices. I had no way of knowing by the plain meaning of written terms when I accepted Capitol One 's offer that there would be no grace period at the conclusion of the promotion period.
Consumer complaint received 2022-11-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-04-27
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$86000.00}, DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX Balance : {$91000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-04-26
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. (CA)

I want this late payment updated from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have a XXXX account that is appearing on Equifax with a balance of {$1200.00}. The account shows on XXXX and XXXX as dimissed with a {$0.00} balance.