davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account right away : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (VA)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-07
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 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 an account without my written instruction.
Consumer complaint received 2023-08-22
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-22
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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
Consumer complaint received 2023-08-17
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. (FL)

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 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 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have been denied all HAMP modifications, MHA and streamline modifications. The only offer was for a prepayment plan which I can not afford. This is my primary residence and family home, I have two other loans with different banks and have been approved for modifications. There should be no reason I can not be afforded the opportunity to keep my home with a reasonable payment plan. I 'm very confused with all the different correspondence received and not received, on XX/XX/2017 received repayment plan then on XX/XX/2017 received mortgage modification reminder with a payment amount I can afford not sure what this company is telling me. Their customer service representatives are very rude and condescending. Not sure what kind of mortgage I have.
Consumer complaint received 2023-08-22
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: BETHPAGE FEDERAL CREDIT UNION (PA)

On XX/XX/2023, BethPage ran a hard inquiry on my credit report with XXXX. Prior to applying for an account, I called and was told that it would be a soft inquiry
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-12-07
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-08-22
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On or about XX/XX/2019, my XXXX XXXX credit card was offering an interest free balance transfer for 18 or 24 months. I took advantage of this offer and requested a balance transfer from my XXXX Credit Card balance of {$4200.00} to my XXXX XXXX XXXX XXXX. XXXX forwarded to XXXX a check thru a third party in the amount of {$4200.00}. I have a copy of the cancelled check, email verification from XXXX to XXXX they received this check. XXXX indicated when they scanned the check to get the funds transfer from XXXX their scanner only picked up the XXXX not the total amount of {$4200.00}. So how do you deposit a check and only get partial deposit? XXXX has yet to answer this question. 
XXXX charged me the full amount of {$4200.00} which I paid off. 
XXXX still charged me {$4000.00} and expected me to pay this amount to them. 

I can not find the {$4000.00}, XXXX said it was sent to XXXX and XXXX said they didnt get it and I need to pay it. I hired an attorney who was only able to go as far as I did. 

These are huge financial institutions and I can not go there and go thru their records. Someone at XXXX has the money and they expect me to pay {$8000.00} for a {$4000.00} balance. I have filed complaints with Transunion and XXXX and the XXXX 

My credit report is showing a charge off like I didnt pay this bill which I did!!! Please help. I have been fighting with these banks for 3 years! I need help! I have copies of all these documents.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (MD)

I am trying to close my account. Yet, while I owe them {$520.00} on XX/XX/XXXX, when I try to close my account through the app, it says I owe {$630.00}, which is entirely fabricated with NO basis. They continue to provide horrible customer service, refuse to be contacted via phone, and seems like they deliberately spend hours without solving any problems. Now they can't even get the amount owed correct. They should not be allowed to take advantage of vulnerable customers. 

Yet again, they wasted hours of my time through their chat feature and closed my written requests to correct this and pointed me back to their chat feature. There is no accountability and they have repeated broken their own policies and contract with me. And now, I want to close my account and they added an extra {$110.00} for NO REASON.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NJ)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NM)

XXXX XXXX XXXX originated this loan in 2004, then sold the Loan to XXXX XXXX that is now being serviced by Nationstar Mortgage. I periodically call to check my account status because I do n't trust these folks and now find out independently through XXXX and confirmed by a realtor who pulled a title report that my property was foreclosed on years ago, but yet my monthly mortgage payments are accepted, annual mortgage interest statements continue to be generated and they tell me my account is current. I have made several calls, escalated the calls past the newby customer services people, assured that it will be researched and still no results.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TN)

My XXXX XXXX account was closed and paid off XX/XX/XXXX. This same bill recently appeared on my credit after it was paid. Upon cancelation of the XXXX account, I kept my internet services until the following summer XXXX when I changed my address. I have payment information from my bank account where I still paid monthly for internet in XXXX. The provider first said I did not make any payments towards the internet or XXXX service. Once I provided this bank statement showing the XXXX account was paid off, the provider then said I made the payment to the wrong department and that my XXXX services continued, & that my internet was canceled. How was the internet canceled if I still made payments & used the internet? Either I need a refund or these false charges need to be removed from my credit! The provider also stated there is suddenly no copy of my contract nor payments made as proof of these charges. But I'm still being charged ... How can you charge me if you said yourself there are no records of the account.
Consumer complaint received 2023-08-08
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. (TX)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX continues to report a delinquent account to Equifax, XXXX and XXXX despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.
Consumer complaint received 2023-07-06
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. (FL)

I am writing to bring to your attention a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) by your agency. My name is XXXX XXXX XXXX, and I have recently discovered that certain items in my credit file were previously deleted, but they have been reinserted without providing me with the required notification within 5 business days. Furthermore, it appears that these items were not properly validated as per the certification requirement.
Consumer complaint received 2022-12-07
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: DISCOVER BANK (AZ)

I bought a ticket to XXXX through XXXX XXXX XXXX for XXXX XXXX XXXX it cost roughly XXXX. I used my Discover Credit Card this was in XX/XX/2020. During this time they instituted the XXXX ban and I was not able to go because of the restrictions. I wanted a refund since this was told to us all in advance. XXXX moths before my flight was even scheduled. I let XXXX XXXX XXXX know that I wanted my money back and they never gave me a credit. After waiting a year and run around I went to Discover Card to get my money back since XXXX XXXX XXXX was not allowing me. They gave me credit for my purchase and ensured me I wasnt going to be charged for a flight I never went on. Then a few months later after their investigation they charged me again for the ticket. This has since made my credit card go over my credit limit and I have had to put the account on a payment plan. How is it XXXX stuck paying this when I never went on this trip and it was canceled all together due to the COVID restriction not allowing any outsiders inside their XXXX
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I originally opened my card in  XXXX    XXXX   and they granted me a {$1500.00} credit limit. That was very low at the time so I contacted them and asked if they could increase it. They said that I had to wait  six months and  that at that time they would review my account for an increase and most likely I would  qualify due to my high income and excellent credit. It has now been six months and I called them to increase the line and they once again refused to increase the line but did not give me a reason why. They then tried to coerce me into keeping my account for another six month s in order to potentially have the limit increased. My other credi t cards range from 10,000 to 20,000 credit limit but this card is only 1  500. Citibank lied to me   when I opened the account stating that if I kept the account f or six months that I would be eligible for a limit increase. I then told them to close my account and they transferred me from representative to representative trying to avoid closing my account. I asked them five different times to close my account and the account is still not close d. I would either like the account permanently closed or the limit increased to at least {$5000.00}. I have never been late on any of my payments, I keep my credit limit below 20 % of the limit, and I pay the card in full every month.
Consumer complaint received 2023-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (WI)

On XX/XX/23 I received a surplus escrow check from my lender. The letter states this is an overage after my taxes and insurance has been paid. The letter states this is my funds to do as I wish with them, being a first time home buyer I decided to put the funds back into the house by redoing my hardwood floors. On XX/XX/23 I received a letter from my city stating my property taxes were not paid. They are now requesting {$2700.00} with fess and interest. I called amerihome financial and was told they did pay my taxes in the amount of {$800.00} they are lying to me and claiming the city only sent them a bill for that amount. I spoke with city of XXXX this morning and was informed that my lender misread the statement and only sent in the first installment of my property taxes with the intent to pay it in full. They did not understand the assignment. My lender is not owning up to this mistake as they keep telling me the city sent them the wrong bill. Amerihome is acting unfair and deceptive. I was misled on the terms of why I received the escrow check. I am being lied to about why my taxes were not paid in full.
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.