davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PulteGroup, Inc. (FL)

NOTICE OF DEFAULT ON DEMAND TO CEASE AND DESIST ALL COLLECTION ACTIVITIES OF ALLEGED DEBT, NOTICE AND DEMAND FOR PAYMENT, INTENT TO SUE, AND OPPORTUNITY TO CURE AFFIDAVIT OF TRUTH AND FACTS, SEEKING RELIEF AND MONETARY DAMAGES. This matter arises from Pulte Mortgage, LLC committing security fraud by recording a tampered fraudulent mortgage with XXXX XXXX Florida on XX/XX/XXXX, XXXXThis is an action for damages that exceed {>= $1,000,000} ( XXXX XXXX ). On XX/XX/year>, XXXX XXXX and XXXX XXXX executed and delivered to Pulte Mortgage, LLC a Note and mortgage, Security instruments for a loan. XXXX XXXX and XXXX XXXX hereby certifies that the mortgage, dated XX/XX/year>, executed by XXXX XXXX XXXX and XXXX XXXX, and delivered to Pulte Mortgage, LLC and XXXX XXXX XXXX XXXX  XXXX is tampered and Fraud. ( attached, copies of both mortgage with tampered recording and original mortgage ). Mortgage recorded on XX/XX/year>, in Official Records Book XXXX, Page XXXX, public records of XXXX XXXX XXXX in mortgage XXXX # XXXX. XXXX Mortgage, XXXX and XXXX XXXX XXXX Florida XXXX XXXX, XXXXXXXX XXXX XXXX altered and tampered with XXXX XXXX XXXX and XXXX XXXX signed mortgage security instruments. Pulte Mortgage, LLC and XXXX XXXX modify the physical security instruments documents by removing XXXX XXXX name and related information about XXXX XXXX after it has been signed and concluded by XXXX XXXX XXXX and XXXX XXXXPulte Mortgage, LLC and XXXX XXXX, loan documentation fraud. Altering and tampering with loan documentation is a serious crime. Contracts or Legal documents signed and notarized or recording for official records against real or personal property can not be altered and tampered. When it is reported that a document was forged and that the forgery was committed with the intent to injure or defraud another person, law enforcement officers and prosecutors take an aggressive stance when investigating and prosecuting these crimes. Under Florida Statute 831.01, forgery is classified as a third-degree felony. Pulte Mortgage, LLC and XXXX XXXX, falsifying a notarized document in Florida to commit fraud is a third-degree felony. Chapter 817 FRAUDULENT PRACTICES, SECTION XXXX. Unlawful filing of false documents or records against real or personal property. 
19. ( 1 ) As used in this section, the term : ( a ) File means to present an instrument for recording in an official record or to cause an instrument to be presented for recording in an official record. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are third-party debt collectors Under the Federal Debt Collection Practices Act ( XXXX PA ).
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. ()

I opened a XXXX XXXX XXXX account with Citibank. 
I transferred the security deposit electronically from my checking account ( also a Citibank account ). 
As I moved back to XXXX, I closed the account, and I wanted to get back the deposit to my checking account. 
Citi has sent the deposit back on paper check to an address which doesn't belong to me anymore ( I've let them know this ). 
After several, XXXX attempts and XXXX months I still didn't get my security deposit back, and Citi always come up with a new " requirement '', like fraud check for the account ( which could be normal, but the initial amount was sent from that account, and also the balance was constantly paid from the same account ). 

I stated several times that a paper check sent to a XXXX address doesn't help me. They were not able to send it to XXXX, etc.
Consumer complaint received 2023-02-10
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. (NC)

My name is XXXX 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/ 15 U.S.C , 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-17
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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2021-10-25
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. (IL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-02-11
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. (TN)

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX at 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 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 2021-10-20
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

I provided all utility bills, and rental agreement where I was residing at the time in question. XXXX also, have pertinent information that someone received services in my name by hacking my account online. This debt from Columbia Credit Recovery is not accurate and must be deleted. This company has never spoken to me directly nor have they provided me with any documentation proving this is my account. This is not my account. Please delete immediately. I never lived in this unit. I was living at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and the month in question I was XXXX  and in the hospital and never resided at XXXX XXXX. I provided all my evidence to XXXX, XXXX, and XXXX, and they place false information on my report. 
There are other accounts that has been deleted from a bureau and all three bureaus don't comply accordingly. If deleted from one it should be keyed from all, such as XXXX and XXXX XXXX has been deleted from one bureau, but the others dont comply. I have evidence of someone getting credit in my name and the bureaus are aware of the name and due to the continued attempts they are aware of my information being compromised and at this time all negative reporting should be deleted and ceased from reporting any further as all my information has been compromised, as the tool has proven it and reported it on the credit bureau. None of my addresses on all 3 bureaus never reflects XXXX XXXX as any legal address belonging to me. PLEASE DELETE this account from my bureau today.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

Good Afternoon. My name is XXXX XXXX XXXX. I received something in the mail from Sequium Asset Solutions in regards to a XXXX Debt that I do not owe. This letter is dated XX/XX/21 and I just received it today. It came from XXXX. It shouldn't have taken 7 days to get to me, but nonetheless, this is a debt that I do not owe. This is the 3rd or 4th time that it has been sold. Everytime that I dispute it due due to fraud, it is removed, it gets sold to another company. I am tired and over it. This debt does not belong to me at all.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CO)

To whom it may concern, My card was completely canceled during the time my card was charged. The bank allowed XXXX XXXX XXXX/XXXX to charge my card {$3500.00}. I went through all the steps to contact them that the key was lost/stolen at the time my rental ended. I was unable to get ahold of any one and after 3 months they had an investigator call me. I told the investigator exactly where the car was and they retrieved the car from the secure lot that it was left. They still proceeded to send me to court and I had let USBANK know that they had no right to charge my card that much. I could see if they charged me for lost key of {$300.00} but if they are going to charge me {$3500.00} they better ship me the whole entire car. USBANK did not do their due diligence in helping me with the case and per FDIC they are not protecting the consumer. I finally got a hold of management at XXXX/XXXX  XXXX and another manager XXXX that have verified that this incident is NOT my fault and we did in fact send an email and make several phone calls to XXXX/XXXX/. Due to COVID I experience high call times, and transfers and also hang ups at USBANK and XXXX/XXXX. I am reaching out to the FDIC for your help and finding a resolution as this is not right. I hope you find it in your heart to help with this issue as {$3500.00} is a lot of money and this issue needs to be resolved. 

Thank you for your prompt attention regarding this issue, XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Neon Newco Corporation (TX)

I closed a XXXX  account and no further card was issued last year XXXX. The transferred two additional direct deposits from the checking account that were not authorized because I closed the account after one month of service for lost card to it and I was traveling. The address was a government agency assistant to my travel. The original address was XXXX office under XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX CA. XXXX. It's was collect two direct deposits for XXXX aprx. To NetSpend, all company. Ace is by XXXX XXXX XXXX NetSpend is a authorized sale 's organization for XXXX XXXX/ XXXX I have a new Ace account with current address in Texas and cellphone number. NetSpend is not allowed me to get the closed account payment for the closed XXXX/NetSpend account because they are requesting my address information from 25 years ago or more to various Cross Streets answers in area 's no map has in under 5 minutes with 5 or more questions. they will not transfer to my new card in XXXX XXXX. XXXX Please assist me with a remedy. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. Please mail the REFUND for the XXXX  account to me and close XXXX  account. I have New account for Ace to remain open. My issue is there security mapping questions of user, too old for me to remember and maps are not able to show online. Thank you. I have several numbers now. This cell phone is good for me to contact for questions
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-06-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TN)

This is another attempt for XXXX XXXX XXXX  and several collection companies without any legal or signed documents. 

Previous complaints for the same NOT OWED DEBT ( that were previously removed from credit reports ) Previous complaint ID XXXX, XXXX, ( resolved ) Current complaint ID. XXXX XXXX ( current ) XXXX collection agencies involved with filing false reporting to all major credit agencies. 

( XXXX ) XX/XX/24 Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (MI)

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 section 604 section states I have the rights to privacy 15 USC 1681 section 604 section 2 : it also states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681a- Definitions ; rule of construction - Exclusions.Expect as provided in paragraph term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose
Consumer complaint received 2017-05-05
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. (OH)

I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX    XXXX   XXXX   #  XXXX  Never  don  business with this company error please delete.    XXXX   XXXX   XXXX  #  XXXX  This was discharged in Bankruptcy and is listed wrong please delete.    XXXX   XXXX  #  XXXX  This account was paid and is listed wrong error please delete.    XXXX  #  XXXX  This account was  discharged  in Bankruptcy error please delete.    XXXX   XXXX  BANK #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    XXXX   XXXX   XXXX   XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    XXXX   XXXX  #  XXXX  This account was never verified please delete.
Consumer complaint received 2023-07-17
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: I.C. System, Inc. (RI)

There has been an account by I C System with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VT)

I refinanced a home mortgage with AmeriSave Mortgage Corporatio n ( lo an number  XXXX  ). {$2100.00} was charged as part of the closing cost to establish an escrow account. One payment was made which included an additional {$440.00} for the escrow. The mortgage was sold to  XXXX   XXXX   ( Loan n umber  XXXX  ) and the escrow balance that was transferred was {$890.00}. I have no record of where the missing {$1600.00} went and my efforts to track it down have resulted in being placed on permanent " hold. ''
Consumer complaint received 2023-05-29
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My account with an a XXXX XXXX XXXX  XXXX was open XX/XX/XXXX. They reported me be in late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and my account was never open. My 1st payment wasn't due till the end of XX/XX/XXXX, they also report it we be on late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is totaled in 6 months past due. I was never late on these dates
Consumer complaint received 2023-07-17
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. (SC)

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.

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.