davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
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. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.ACCOUNTS	XXXX  XXXX  XXXX****XXXXinaccurate		XXXX XXXX	****XXXXinaccurate	XXXX  XXXX	****XXXXinaccurate	XXXX****XXXXinaccurate	XXXX-XXXX  	****XXXXinaccurate	XXXX	****XXXXinaccurateXXXX  XXXX 	****XXXX   	inaccurate
Consumer complaint received 2019-12-10
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.ACCOUNTS							****XXXX	not mine							****XXXX	not mine	XXXX XXXX XXXX			****XXXXnot mine	XXXX XXXX					****XXXXnot mine	XXXX XXXX					****XXXXnot mine	XXXX				****XXXXnot mine	XXXX XXXX XXXX					****XXXXnot mine	XXXX					****XXXXnot mine	XXXX XXXX			****XXXXnot mine	XXXX					****XXXXnot mine	XXXX XXXX	  				****XXXXnot mine	XXXX					****XXXXnot minePUBLIC FILINGS	XXXX XXXX XXXX XXXX XXXX XXXX XXXX	inaccurateCOLLECTIONS	XXXX XXXX XXXX			****XXXXnot mine	XXXX XXXX XXXX XXXX		****XXXX	not mine
Consumer complaint received 2020-01-15
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. (TX)

XXXX  and Experian are reporting an incorrect filing date on the US BKPT CT TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (ND)

US Bank is a horrible bank to do business with.  Us Bank has refused and dragged out paying me my Escrow Amount  of over $10,000 as it is past 30 days and the still haven’t paid me my escrow amount since I paid off my loan.  To begin with they collected double my taxes and insurance, they refused to lower this amount, and now they won’t pay me the escrow amount since I paid off my mortgage over 30 days ago.  Don’t do business with US bank they are either XXXX incompetent and/or XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While looking at my credit reports I have noticed the following account had a discrepancy in the " date of last activity '' as well as date opened section of the listing : This account has been illegally re-aged which as you know sets the credit reporting time over. This is a violation of the FCRA and the account neede on be deleted Immediately. 

Because of this apparent NEGLECT in your grave responsibility in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately :
Consumer complaint received 2022-04-22
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS FIRST XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-15
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: American Credit Acceptance, LLC (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-01-15
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: BMW Financial Services NA, LLC (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-01-15
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: FACTUAL DATA CORP. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX, acting on behalf of US Bank, has filed two letters of delinquent debt on an account under my maiden name. I have contacted XXXX via letter on XX/XX/2019 for both accounts, # XXXX amount of {$220.00} and # XXXX amount of {$910.00} and notified them that unless they can provide a written contract for those accounts with US Bank, I will consider this a matter of stolen identity as I have had other accounts opened under my maiden name which I have never used for banking purposes. I had been contacted several times last year by US Bank to open accounts with them which I declined and it appears whoever was attempting to do so succeeded to creating these accounts without any authorization from me.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I bought my house in XXXX, the mortgage company that wants to foreclose on me is my second loan, SPS Specialized Loan Servicing. I've been curent on my first loan. XXXX XXXX owned my mortgage when I bought my house in XXXX, they sold it to XXXX  XXXX XXXX, then to XXXX and now it's being serviced by SLS. The problem started in XXXX when I got a modification through Making Home Affordable program with the help of XXXX  XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX They both told me not to worry about the second loan, they said it was forgiven. They never gave me any paper work, I truly thought that I did not have to worry about it anymore. The second mortgage company never sent me paper work or monthly statements since XXXX regarding the second loan therefore I beleived XXXX and XXXX  XXXX XXXX. But now in XXXX SLS shows up and sends me a letter of intent to foreclose on my property. i have attempted to pay of the original 2nd loan mortgage which was XXXX in payments but they said no. SLS wants XXXX and on top of that they want XXXX for interests and late fees they say I owe but I never received any monthly statements. I asked if they could help me with a modification and they sent me a letter stating congratulations you qualify for a shortsale. They did not give me the opportunity to send paper work so that they can evaluate if I qualify for a modification or any other solution. I feel that I wasn't given a fair opportunity.I spoke with XXXX from SLS at the consumer resolution department XXXX she was very rude and would not let me get a word in. XXXX said the only thing I qualify for is a shortsale. XXXX said that they dont offer loan midifications. She also said another solution is to pay XXXX plus XXXX. I don't have that kind of money, I decided to contact a lawyer for a free consultation but I can't afford to pay for a lawyer right now. They said they would charge me XXXX for a down payment and other fees on top of that, I also contacted a HUD counselor on Tuesday XX/XX/XXXX her name is XXXX XXXX. She was assigned to me as a HUD counselor.Varsha works at XXXX XXXX XXXX XXXX her number is XXXX. SLS doesn't want to give me an opportunity to keep my home. I'm flabbergasted, the second loan was gone since I did my modification in XXXX. Now they show up wanting to take my home, that I lived in with my family since XXXX, please help me reach a resolution with this company me and my family wanty to be able to keep our home. SLS doesn't want to help me they just want to take my home. i don't want to be homeless. I think there is too many homeless people in the street already. many homeowneres were helpless like me and they became homeless because mortgage companies are not willing to help. They foreclosed on their properties without any remorse of how they break families apart.
Consumer complaint received 2023-07-12
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. (TN)

For some time I have attempted to correct issues with XXXX XXXX XXXX. This was after I submitted a fraud report. Incorrect information is still appearing on my report. They have claimed not to receive the disputes after they were submitted. The disputes are for identity theft/fraud. The individual listed on the accounts is deceased and has been for decades. I sign my legal documents a certain way and no proof has been given that this was debts.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 approximately somewhere between XXXX and XXXX XXXX I was called after I had received a text saying do you approve of this XXXX transaction of {$3500.00} I replied no and got a phone call right after saying this was Bank of America, fraud protection, and if I approve the XXXX transaction, I stated that a do not approve the transaction and to stop it. They asked me to open up my app and give them the confirmation number that was done. I stated that I was at work and that had to be done quickly I didnt want to get in trouble for being on my phone, they stated that they would get the funds back into my account at XXXX XXXX that evening. I called them back and asked them about the transaction and where it was that they stated that they dont know what I was talking about and asked if I was scammed I stated that I was and that I needed to have it stopped they said I had to get XXXX authorization form from my phone company make a police report and to freeze the count until they were done with their investigation. Every 30 days I had a peeled the decision that they had made and they kept making me run through hoops after hoop, after hoop, saying that they need this from the Place report they needed the phone company to send a letter stating that the number that had called me was in fact, the scammer who had scammed me out of the money Ive done all I could I have called currency capital of currency. I called the banks over and over again I had to open up a new account. I have done so much more And I still have not received the money back. I have done some research and found that Bank of America has been involved with multiple fraud scammers. I was not the only one people have gone to news stations reported them and have received the money back but I cant seem to get mine back. I have almost lost my house almost lost my car. Im so behind on my bills.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I have an account with Macys/DSNB acct # XXXX which I opened in XX/XX/XXXX never had any issues with it. I made a payment to the card in XX/XX/XXXX to pay off my balance in full. To me I this account was paid down to XXXX  once my payment was applied. It seems the interest generated of {$0.00} which I was not aware of since to my knowledge the payment bought the account to XXXX. 

I tried tirelessly to resolve this matter with Macy 's direct. I even paid the fees which have occurred since then.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

I have been a loyal customer of American Express since XXXX. On XX/XX/XXXX, I was going over my transactions history and noticed a bunch of transactions that I didnt recognize. I immediately called American Express Serve Customer Service and informed of unauthorized use of my card. XX/XX/XXXX : I submitted a police report to the Police Department advising of fraudulent use of my card. XX/XX/XXXX : I have received an e-mail from the bank advising that my claim was declined based upon their investigation. I called back the Customer Service. This time, the Representative e-mailed me a Declaration of Fraud form that I completed and promptly returned to them. XX/XX/XXXX : I have received their e-mail, advising that my claim was declined based upon their investigation. I was really shocked to learn that American Express has determined that no error occurred and that transactions in question were authorized. I live in XXXX  Virginia. The majority of the fraudulent transactions were done in XXXX, FL. I have not been to XXXX, FL, or anywhere near Florida, in XXXX or XXXX of XXXX. I did not do the below transactions, and I did not authorize anyone to use my card. I included the all transactions, including date, amount and merchant name as an attachment. The same day I called their Customer Service. The conversation with the Representative on the phone did not go well. I asked the Representative to explain the reason why my claim was declined for the second time and why these fraudulent transactions are not eligible for a credit to my account. In response, I was told to check my e-mail. I explained that I have that email right in front of me and that it is still unclear to me why my claim was declined. However, I again was advised to check my email. Customers trust the bank with their money and in my honest opinion, are entitled to a simple explanation. I asked to speak with a manager. My request was ignored. I was told that the investigation was already closed and that I should check my email. I was then advised that I violated cardholder agreement and now my account is suspended and I no longer have any rights and privileges to use my card. I was told to check my email once again and at that point, the Representative ended the conversation and hung up. The Representative handled this conversation very unprofessionally, was rude and disrespectful. This is not a level of Customer Service a frustrated customer would expect. After that, I have sent a mail with detailed explanation of the situation. Still, nothing in return. I have called many times once again, hoping to get my money back. Almost one year has past but all my attempts to get my stolen money back were unsuccessful.
Consumer complaint received 2022-04-22
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: 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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc. (PA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-11-03
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. (IL)

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX