davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (GA)

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 EXPERIAN Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I received an mail from ECSI about a student balance due to XXXX. I don't remember having any balance due since I graduated in XX/XX/year>. The last time I completed a course was the summer of XXXX.
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (IN)

There was a dispute initiated with Equifax Information Service LLC reflecting identifying dispute confirmation number as XXXX. The dispute was initiated XX/XX/2021 and completed XX/XX/2021. I requested the dispute investigation results XX/XX/2021 and two additional times after that but they have failed to provide me with the results as they should have. Instead they sent me a copy of my credit report which is not what I requested.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2017-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint about a computer glitch that was TransUnion 's problem - not mine - which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I also contacted TransUnion mulriple times X/XX/17 ,X/X/17, X/XX/17 in good faith to ask them to delete the inquiries that they had illegally re-added but they did not seem to own up to error and brushed me off and these inquiries add a hardship to my life and my rights were violated by TransUnion. I 'm just asking for help to make TransUnion stop victimizing me.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

The Specialized loan Servicing, LLC ( " SLS '' ) took over my loan in XX/XX/XXXX and immediately began adding a unexplained {$15.00} " fee '' to my monthly payment. I ignored the unexplained fee and kept paying the amount due absent the fee. Subsequently, SLS added more fees and put me in default for not paying the fee. The last letter from them dated XX/XX/XXXX says " Notice of Default '' and " Intent to Foreclose '' although I am not even 3 months behind according to them. 

The worse part is it is not possible to get anyone on the phone to determine how much they are saying is due and what the fees are for. All you get is an option to " speak to a representative for a fee ''?!?!? 

This looks to me like another attempt to nit pick me into default and steal my equity. I had similar problems with XXXX XXXX, XXXX and now this SLS all on the same loan which each has took a turn trying to cheat me. I think when each sees I am not going to be an easy target they sell the loan to the next " shark. ''
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by XXXX  XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer and sentient original creditor have never provided approval for any of my information to be shared with any third parties. XXXX has wilfully neglected to abide by the Fair Debt Collection Practices Act. Stated in USC 1681 FDCPA : the entire banking system is dependent on an accurate credit report. I never gave XXXX any permission to furnish or report anything to the consumer report associated with XXXX and is in violation of USC 1681 ( c ). My identity was stolen by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. For years, I have been battling with getting the information off of the credit records by providing the police reports which has caused me to lose my home, many business opportunities and my XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

My company purchased a {$150.00} American Express gift card and provided it to me as a gift. However, when I went to use the card I discovered that someone had already used the card fraudulently to purchase {$120.00} worth of items from XXXX this past Saturday. When I contacted American Express, they said there was nothing they could do about it because their Card Member Agreement states they won't reimburse fraudulent charges because the card is treated as cash and that my only recourse is to file a complaint with XXXX ( where the card was fraudulently used ). I could understand this if the card had been stolen from my possession or opened before I received it. But, I received the card in it's original unopened cardboard packaging which covered up the card number, expiration date, and security code. None of that information was visible until I personally opened the packaging which means that information could NOT have been stolen by someone at the store that sold the card. The card also never left my possession or even my house. Therefore, the card number and related information could have only been stolen when the card was printed or packaged, which makes it an inside job. I did contact XXXX where the card was used fraudulently, but they insist that they can not issue a refund unless American Express registers a dispute over the charges. They claim that if American Express would do that, they will refund the charges to the card. However, American Express refuses to do that claiming they have no way to register a dispute because it's a gift card and not a credit card. I call XXXX. If they can issue a fraud dispute for credit card charges then they can issue them for gift cards because they both use the same XXXX  system.
Consumer complaint received 2024-04-01
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year> I made an electronic payment of {$24000.00} to this credit card, an overpayment to the amount due. 
Immediately following I reached out to customer service and was told they would issue a check for the overpayment. 
When I followed-up later, I was told this would not happen and I would have to wait 60 days after the {$24000.00} payment in order to process a refund.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX # XXXX Paid As Agree XXXX  # XXXX XXXX  CARD # XXXX No Category XXXX # XXXX XXXX CRED XXXX XXXX XXXX CRED # XXXX XXXX CRED # XXXX
Consumer complaint received 2022-05-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : TRANSUNION Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Accounts # LATE PAYMENT - XXXX XXXX XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish 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 reason.
Consumer complaint received 2022-05-27
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. (MI)

To whom this may concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.
Consumer complaint received 2024-04-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

On the XXXX of XXXX, I purchased a prepaid Vanilla Gift Visa Giftcard. The website, XXXX, routinely gave a system error. This " system error, '' which says, " System Error has occurred. Please try again later. '' was not a fault of the website, who's servers where still up. I did research to resolve the issue, before going to the support number for help on the XXXX of XXXX. They suggested solutions, which did not help my issue, and ones I had already tried. 

The online solutions and those offered by XXXX were to clear my cache, use different browsers, restart my devices, restart my internet, use different devices, and sign in and out of VanillaGift.com. I had followed all of these steps and the XXXX suggestion to clear my cache.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 
Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : 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 reporting 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 of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (TX)

NCB Management Services trying to collect a debt that was charged off due Original Creditor XXXX got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer and sentient original creditor have never provided approval for any of my information to be shared with any third parties. Experian has wilfully neglected to abide by the Fair Debt Collection Practices Act. Stated in USC 1681 FDCPA : the entire banking system is dependent on an accurate credit report. I never gave Experian any permission to furnish or report anything to the consumer report associated with XXXX and is in violation of USC 1681 ( c ). My identity was stolen by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. For years, I have been battling with getting the information off of the credit records by providing the police reports which has caused me to lose my home, many business opportunities and my XXXX  baby.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (CA)

BMO took over Bank of the West. In XXXX I set up for auto pay for the XXXX payment. BMO did the test. 3 deposits into my account and 3 withdrawals. XX/XX/XXXX I get an email stating they have received my external funds transfer request. XX/XX/XXXX I get an email stating the external funds transfer is in progress. XX/XX/XXXX I get an email stating that as of XX/XX/XXXX the funds have been credited to my account. 

Before BMO we were having the money deposited into Bank of the West from our other bank and then the loan was paid. On XX/XX/, we got a notice saying there was insufficient funds to pay the loan. At that time we told BMO not to take money out of that account anymore. We got an insufficient funds notice dated XXXX  the same day that BMO said my funds had been credited to my account. 

I called BMO on XX/XX/XXXX and it's a debt collection. No one to look to tell me where my payment for XXXX was. They kept asking me questions do you plan to keep the property, when do you get paid, etc. I kept telling them I paid and where is my money that you took. On XX/XX/XXXX I had to send proof of payment showing that they took the money out of my bank account and no one has been able to tell me where it is. 

On XX/XX/XXXX I get an email saying my funds transfer will start in 3 business days. ON XX/XX/XXXX I get an email stating my funds transfer has been scheduled. On XX/XX/XXXX I get an email stating my funds transfer is in progress. 

Today, XX/XX/XXXX I get a pink letter dated XX/XX/XXXX reminding me my XXXX payment is past due and this could be an attempt to collect a debt. 

I can not get any person at BMO to tell me where my payment for XXXX is. When we check our statement on line, it still shows our mortgage is past due.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (IN)

Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/2020. I see all the accounts automatically rollover with other credit bureaus. However, XXXX only has XXXX revolving accounts on my current credit file. It was changed sometime during last year. When I contacted XXXX, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on XXXX credit report but does not show anymore. These accounts are missing from the XXXX credit report : Missing Accounts Bank Name - Citibank Account Number - XXXX Account Opened- XX/XX/2020
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WA)

I have unauthorized charges of {$49.00} coming out of my account monthly. I told the bank that I am unaware of this company. I've tried to contact the company listed on the transaction but have received no response. I filed a formal complaint to the bank and asked them to block the charges in XX/XX/2021 but was denied. I changed debit cards in XX/XX/2021 however, the bank still allowed the company to take money from the new card. To date the unknown charges are still being taking from my account.