davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Our mortgage with Suntrust included terms for automatic termination of our pmi once our original loan met 78 % LTV. I verified with Suntrust, via several phone calls that that date was XX/XX/2019 and that our account should reflect this termination of pmi on XX/XX/2019. This date came and went and I once again called to ask why it was not removed from our loan account. I have requested to receive, in writing, from Suntrust the date our loan is due to have automatic pmi termination but have not received this. When I call the representatives I speak with, including supervisors, either tell me that it should be removed or that they are not certain why it hasn't been and I should write a letter and send it to the pmi department, even though this should be automatically processed as per our loan terms! To make matters worse, Suntrust has merged with XXXX XXXX XXXX XXXX XXXX to form XXXX XXXX  as of XX/XX/2019. So I fear we will be lost in the transition and will still not have this resolved.
Consumer complaint received 2023-01-10
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. (IL)

Down below I have placed This creditor below because I know nothing of this account, and I am a bit bothered that although I spoke with all 3 bureaus nothing still has not been done about this being on my consumer report. Consumer law states that not only shall the Information that is placed on my consumer report be XXXX percent accurate but also 15 U.S. Code 1681e - Compliance procedures, A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). 

XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Charge Account Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Months Reviewed XXXX Term Source Type Provided High Balance {$360.00} High Credit {$150.00}
Consumer complaint received 2023-06-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Acoount # 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 2023-01-10
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. (CA)

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
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)

This is my 7th 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 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
Consumer complaint received 2023-08-24
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. (TX)

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 bureaus must 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 XXXX
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

XXXX - Inquiry Date : XX/XX/2022 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Consumer complaint received 2017-05-19
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: AMERICAN EXPRESS COMPANY (CA)

I was falsely advertised a charge card as a credit card. At no point was I informed that I could not carry a balance on the card. I was then asked to pay various late fees and other fees because of the balance on the charge card.     This is a case of deceptive marketing fro m American Express.
Consumer complaint received 2022-10-27
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX I purchased my first home, I was then unmarried and it was under the name XXXX XXXX. During escrow I paid all the closing costs which included the back taxes on the property. 
wells Fargo sent me notification that I did NOT pay the back taxes. When I contacted them to correct this they continued to deny my substantiated claims. I KNOW they were paid by me for two reasons.

1. It said right there in the closing documents that the taxes were paid by me. 2. When I contacted the County of XXXX XXXX Tax assessor they told me that they got the payment via escrow check and that they received " zero funds from Wells Fargo and if they had they sent them back, due to those taxes being paid already '' For over a year I called Wells Fargo weekly to resolve this issue. I faxed them, emailed them and mailed them on SEVERAL Occasions ( which I have all documented all the relevant information regarding this issue. Every single time they gave me the runaround and insisted of discharging me the almost two thousand dollars. They even threatened to add XXXX a month to my mortgage beginning in XXXX to " satisfy the unpaid portion of taxes they paid on my behalf '' ( which of course they never paid because paid them ). 
I meticulously recorded each phone call and each instance I sent them the information. I had to refinance my home and call the XXXX XXXX XXXX  in order to get them to admit that they did not pay the back taxes on the property. 
While the XXXX XXXX XXXX made them pay me back those monies they tried to stea to pay me back for refinancing my house, which was XXXX. I feel they still owe me this money for refinancing because I would not have had to refinance had they listened to me to begin with. 
What they did was blatant theft. 
I will be happy to scan and email or copy and mail my entire file of this affair for this lawsuit if it will help. Please let me know. All of my contact information is on your included form and at the end of this letter. 
Sincerely, XXXX XXXX ( formerly XXXX XXXX ) ( XXXX ) XXXX-XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion on XX/XX/2023, on or around XXXX XXXX XXXX. I called ( XXXX ) XXXX and spoke to an agent who identified as XXXX. The dispute agent was located in the XXXX. The agent said he was going to disconnect the call because I had an attitude. XXXX ended up disconnecting the phone. This prevented me from filing a dispute, violating the federal FCRA and relevant state laws. I never used any profanity. I did not make any jokes or threats. I was not unprofessional. XXXX behavior by disconnecting the phone was inappropriate. This reflects poorly upon TransUnion.
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

XX/XX/2017 my Bankruptcy was confirmed. My Trustee is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX Maryland XXXX. For the last 2 years, Owen Loan Servicing, LLC and now PHH Mortgage has failed to following Bankruptcy procdures. They have attempted 3 times to CANCEL my homeowners insurance, fraudulently informing my Homeowners insurance company that I have vacated the premises ( home : XXXX XXXX XXXX, XXXX XXXX, Md XXXX ). When i thought it could not get any worse, they Changed my Gas and Electric Bill into there name and attempted to turn off my Gas and Electric.  My bank can provide statements that {$2000.00} each month is automatically sent to the Mortgage company. My Job can provide documentation that Bankrupcy payments are payroll deducted. They continue to contact me even though i'm fully in compliance with the Bankruptcy Agreement. They fraudulently attempting to bully me. They refuse to comply with the Bankruptcy agreement.
Consumer complaint received 2023-01-10
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: Neon Newco Corporation (GA)

I have contacted NetSpend concerning the following transactions that I did not make. It is clear that the transactions were duplicated and Netspend declined my dispute. Either my card had been cloned or someone has tampered with my statements to move the money into there account. 
XXXX ATM XXXX XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX {$60.00} XXXX AtM XXXX XXXX XXXX {$60.00} XXXX ATM XXXX XXXX XXXX {$60.00} XXXX ATM XXXX XXXX XXXX {$60.00}
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax has reported several months on my credit report as " NO INFO '' for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. This is INCORRECT. EVERY single one of  those months were PAID in FULL and EARLY.
Consumer complaint received 2023-06-06
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)

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 This account is showing inaccurate information on my credit report.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My wife and I have had a B or A Visa Card (Account # XXXX and we have paid on time for 19 straight years with no late payments and near 800 credit scores.  .  My wife pays over the phone.  The minimum payment was $25 back late 2018.  The account rep for Visa Card took down the wrong card # and never got back to us and thus we were notified that we were 30 days late.  Returning home from vacation we received this notice of late payment.  We immediately paid $2,000.  B of A could not find the account # but my wife clearly gave the correct # but Visa/B of A inadvertently took down the wrong number.  I protested this late payment and finally got a hold of upper management in customer service who said that they would delete this from the 3 Bureaus.  I trusted the lady who told this to me.  Then a couple of weeks later, I received a form letter stating that they did not remove this late payment and I called and said it went to their resolution department which said "no" they did not remove this.  If necessary, I will seek legal action against B of A Visa but I decided to contact you first.  Since this time, B of A has closed the account.
Sincerely, XXXX XXXX XXXX; XXXX
Consumer complaint received 2022-10-27
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. (NC)

Pursuant to Executive Order 13892, Sec. 8 ( a ) - it is a requirement for agencies to comply with the provisions of the Paperwork Reduction Act, section 3512 of title 44, United States, and section 1320.06 ( a ) of title 5, Code of Federal Regulations, applicable to collection of information ( other than those excepted under section 3518 of title 44, United States ). Equifax violated my Rights as a Consumer.
Consumer complaint received 2023-08-24
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit 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. (MA)

I am writing to bring to your attention a concerning situation I have encountered with Dell and Comenity bank regarding a recent purchase and subsequent return of a laptop. On XX/XX/2024, I purchased a laptop directly from Dell. However, upon its arrival, I discovered that my employer had already arranged to provide me with a laptop. Consequently, on XX/XX/2024, I promptly requested a return of the unopened laptop to Dell.

Dell provided me with a shipping label on XX/XX/2024, and I immediately shipped the laptop back to them. On XX/XX/2024, I received confirmation from Dell that they had received the returned item. However, despite following the established return procedure diligently, I was dismayed to find that as of XX/XX/2024, no credit had been issued to my account for the returned computer. 
Subsequently, on XX/XX/2024, I reached out to Dell 's customer service/ Comenity XXXX XXXX XXXX which is noted on the statement inquire about the delay in processing the refund. Furthermore, I have noticed inaccuracies in my account, including late payment marks and erroneous interest charges, which I believe stem from Dell 's mishandling of the return process and billing errors. I have phoned them XXXX more times including today for a XXXX time with no action. I have emailed them, which I have copies and their reply is to contact Dell, yet the statement it say contact comenity bank. So they give me a run around and I to blame when I call. 
I respectfully request the prompt correction of these issues. Specifically, I seek the issuance of the appropriate credit for the returned laptop and the removal of any adverse marks on my credit report resulting from Dell 's errors. Furthermore, I request a review of any interest charges applied to my account and their subsequent removal if found to be unjustified. 
Thank you for your assistance.
Consumer complaint received 2019-12-07
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: AMERISAVE MORTGAGE CORPORATION (TX)

XXXX was charged to my XXXX XXXX XXXX card by Amerisave mortgage co. Back in XX/XX/2019. At the time I was in the market for refinancing my mortgage. I was contacted by rep. XXXX XXXX. He informed me he could get me the lowest rate possible but I needed to give him XXXX to lock in that rate and show I was interested. Two days into all the paperwork he says I need to give more money and I was buying down points which I never agreed too or was even discussed to get the lowest rate. I have his email stating the XXXX would be refunded. I disputed the charge with my card company and they state the co. Charge is valid. After I submitted all the emails and paperwork. I was scammed.
Consumer complaint received 2023-06-21
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. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Ex-spouse refinanced said property assigned transfer of deed XX/XX/XXXX in XXXX, CA and Recorded date showing XX/XX/XXXX. The said property only in ex-spouse name. 

Two credit bureaus showing account as current, 1 shows as potentially negative.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (PA)

Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC XXXX.
Consumer complaint received 2019-12-09
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. (NY)

Please see Additional information, as requested by Experian & XXXX in attachments for further details. 

As it appears on my recent Credit report. By XXXX XXXX Experian XXXX is being reported inaccurately and is in violation. Please see attachment for further details. 


The company is currently reporting a balance of {$1500.00} this information is inaccurate. Delete this account immediately. 

In the attachment you will see a billing statement sent to me by XXXX for validation of debt. On the billing statement there is an address : XXXX XXXX XXXX XXXX XXXX New York, XXXX of which is not consistent with my mailing address of which I've lived at for over 15 years. There is no record of this address on any of my consumer reports or address history. As a result the information being reported is inaccurate and a violation. Remove XXXX from my XXXX and Experian effective immediately.