davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (NY)

I sent a letter on XX/XX/2022, to remove ( personal information, address, accounts name & account Number ) that is 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/block any accounts or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint XXXX, XXXX, XXXX and I am including these again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-08-03
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: Santander Consumer USA Holdings Inc. (VA)

I purchased a car with Santander Consumer USA in XXXX. The Car was repossessed during my XXXX proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.
Consumer complaint received 2022-05-31
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} Equifax XXXX XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My name listed is correct, however, the AKA or Previously known as, is INCORRECT, It states a name of XXXX XXXX XXXX of which I have never used or known by. 

Shows my current employer as XXXX XXXX Mortgage. I have not been there in several years. I worked at XXXX from XX/XX/XXXX until XX/XX/XXXX as sales representative. Current employer is XXXX XXXX XXXX, XXXX began in XX/XX/XXXX to current as a XXXX XXXX XXXX.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I am trying to locate a PHH executive because since XX/XX/19 I am going through problems that are never solved by the bad work they do and I am very scared after reading all the reviews of clients and talking with the lawyers that defend a legal case they have. I have reported all irregulations to the state of Florida, but I would like to speak with a senior executive.
Consumer complaint received 2022-12-18
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. (IL)

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 XXXXXXXX XXXX XXXX {$3800.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX {$3400.00} {$3.00}. XXXX XXXX XXXX XXXX XXXX {$1100.00} {$4.00}. XXXX XXXX : {$5900.00} 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 2019-08-03
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing all of this on my own behalf.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I made a purchase at XXXX on XX/XX/2020 for {$66.00} under the AmEx offer POID : XXXX, which endorsed a {$30.00} credit to my account with a purchase over {$50.00}. The terms and conditions stipulated the following restrictions : 1 ) voucher purchases ; 2 ) taxes and shipping costs ; 3 ) promotional offers through www.marthastewartwine.com/promos/ and www.marthastewartwine.com/vouchers ; 4 ) Refer A Friend promo codes at Checkout. My subtotal for four sale items during the site-wide Prime Week fall special was {$51.00} prior to shipping costs of {$14.00}. I did not purchase a voucher, nor use a promo or voucher obtained at the restricted sitesone of which is a dead linkand I did not use a referral code. 
Having fulfilled the terms of this offer, I have been dismayed that AmEx has reneged on its obligation to uphold this compact. I have contacted customer service on a half-dozen occasions from XXXX to XXXX by online chat and phone to no avail. Each time I have been offered trite contrition and empty promises of an inquiry with ever enduring procrastination ( " 5 to 10 business days '' ). On XX/XX/XXXX, I was told that this matter would be escalated yet again with a response within " 5 to 10 business days. '' No representative has ever reached out to me. I made a final attempt on XX/XX/XXXX and was informed that the back office has finally closed the case with a determination of a " non-AmEx error. '' The representative offered no further explanation, simply repeating this meaningless phrase, and demonstrated grave ignorance of and apathy toward the case. 
As a matter of professionalism and customer relations, this episode hasneedless to sayeroded the fundamental values I have held paramount in my banking relationship with AmEx. I am most disappointed that you have failed to maintain transparent communication throughout, with only reactivenot proactivemaneuvering at my insistence. This fruitless endeavor has only served to convince me of the duplicitous nature of AmEx 's business model and perpetuates a narrative of impersonal and deceitful behavior that I had not expected from this company.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX should not be 30 days or 60 days late.
Consumer complaint received 2021-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX my identity was stolen and used by someone to open credit accounts at XXXX XXXX XXXX, XXXX XXXX and Bank of America. In the summer 2020, these accounts were closed by XXXX XXXX and XXXX, determined to be fraud and credit inquiries deleted from the three credit agencies. Bank of America continues to seek payment from me, sends monthly statements to my old address ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) that are forwarded to my current address ( XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ) and placed non-payment with the three credit agencies. I did freeze my credit. Ive banked only with XXXX for the past 47 years. My credit rating has decreased from over XXXX points to XXXX today due to BoA placement of non-payment on this account open fraudulently. Ive tried to be helpful with BoAs investigation into the fraudulent opening and cash advances on the reference account number # XXXX XXXX XXXX XXXX ). Ive opened case # XXXX with Investigator XXXX XXXX, phone XXXX and email : XXXX who is with Criminal Investigations Identify Theft Resources for XXXX XXXX, Georgia ( I did email this report to BoA as directed by their Fraud Department ). Ive been called well over 20 times from BoA collection center and never from BoA Fraud Department. I called the BoA Fraud Department to offer my cell number and new address ( BOA statements are now received at my new address ). From BoA files here is what Ive put together : Thiefs telephone # used to open account XXXX ( the number is now disconnected ) ; original $ XXXX was withdrawn at various increments from an ATM here in XXXX ( there must be photos at the ATM ). One BoA caller mentioned an email that was used to open this account as well. I've tried to assist BoA in finding this person who fradulently open an account in my name to include sending the letters I received from XXXX and XXXX XXXX each subject is We confirm that you didnt open this account. I've received several letters from BoA declining to approve my fraud claim. 
I am suffering XXXX XXXX because of BoA intentional, reckless or negligent actions, and have experience XXXX XXXX that has negatively impact my credit, life and health.
Consumer complaint received 2022-05-31
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. (TX)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts XXXX XXXX XXXX  XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.
Consumer complaint received 2024-06-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc. (WI)

Lived in my house XXXX  years Once  the XXXX party servicing agencies got ahold of my inactive mortgage it has been a nightmare. Nationstar/Mr Copper sold me to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I have never done business with none of these people but yet they want money. Who are they don't won't show any papers that I signed with them.I don't want papers that were from XXXX 2010. There is no outstanding loan showing anywhere that I owed money. I have a paper telling me the loan was paid in full with Nationstar name on it. I can not find anywhere that a loan was taken out from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX. Put on XX/XX/XXXX Nationstar foreclosed on me and on XX/XX/XXXX they finalized my foreclosure and XXXX XXXX was involved in getting the money. This was all done illegall all these XXXX party lenders are crooks. I am still in my house and I will not move. When I know that this whole thing was a scam to collect money and to target the elderly. How many of these companies are legal to do business. 
I want my name back on my deed and land titles. And all these companies held respondable for there actions
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AR)

I deposited a insurance check into my account in XX/XX/XXXX. Regions notified me they were going to hold the check for 3o days but they had already received the funds from my insurance company. Regions charged my bank account an excess of over 1000.00 in  overdraft fees because the check didn't have the signature of the company that did the repairs on my car. The repair company tried to have them release the funds but they wouldn't. I paid the automobile repair company then had to have them credit my account because regions wouldn't release there money that has already been cleared from my insurance Co. Bank.
Consumer complaint received 2022-06-20
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX I was having consistence Health Issues, which, as a result my Account ended up in Collection, After I got myself together in XXXX I decided to resolve the problem with the Credit Company. 
I pick up my phone and call them and trying to come up with a solution to work with The Debt was Originally {$890.00} We come up with a Settlement Agreement that I will Pay {$500.00} to get the Account Removed from my Credit Reports, and as agree I make the payment of {$500.00} on XX/XX/XXXX But then I got a call back on XX/XX/XXXX saying that their was a mistake on the process and the only way to get the Account Removed is by paying the full Amounts Debt After I listen to what they have to say Then I go ahead and pay the Remaining Balance which is {$390.00} on XX/XX/XXXX After waiting Two ( 2 ) Months for the result and what I got was an Update Report Since then I been treating Unfairly for Two ( 2 ) Consecutive Years. 

I call the Company Constantly to Resolve the Issue, sometime they hang up on me and when I do get somebody on the line they treating me like I am some kind of Villain I feel like I'm being Discriminate by them All I ask from them is that they do their part and Remove the Account on my Credit Reports and not take advantage of me.

I am getting hurt, my Credit Score is hurting because of that Account I can't get Approve for a Good  Credit Card, I can't get any Financial Aid because when a lender look at my Credit Profile they said I have a Delinquent Account on my Credit File.
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

Yes. The company had sent me out paperwork to fill out for a loan modification and I sent the paperwork back in and then they reviewed it and sent me back a letter saying I was approved and needed me to get XXXX papers notarized and I did that as well but then they said they out of the 4 only two were notarized and I resent them the same copies and each time I overnight this paperwork as the receipts will show but they keep saying I didn't get the paperwork in on time but there was nothing wrong with the paperwork in the first place. So they denied me what they had already approved me for and I've had an financial cut in my income but I should be okay by XXXX. This company has been giving me problems from the day they took over Ocwen and not to mention that my Mortgage payments have went up along with my fixed interest rate. I'm totally XXXX and I want to keep my home. I have worked for this home since I was young as a single mom with XXXX children, I was being lazy depending on XXXX, I worked and I had to raise my kids and it just is frustrating to look back at these papers and see that I purchase this house in XXXX for {$48000.00} and its now XXXX and I still owe more than the purchase price {$50000.00}. I never refinance to my knowledge, I was just a young lady trying to buy my first home and my kids are grown and with their own families and I'm still in great financial debt with this house. I don't even understand how or why. I don't know what went wrong or how could I have been paying for taxes or interest all these years. Please somebody help me that I may help someone else never to be in this position, Thanking you in Advance for your Sincere Time and Concern over my Situation
Consumer complaint received 2022-12-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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)

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (VA)

I have an American Express Bluebird account which I make deposits into and essentially use a debit card to make transactions. There have been quite a few instances that I simply can not file a dispute of transactions. Bluebird states that if you send in a written notice of a disputed transaction that it will be addressed. I did just that and never heard back from Bluebird about my fraudlent transaction.

There is no way to access fair dispute processes with Bluebird at all in addition to there not ever being a live human to speak with about concerns.

Once again I had to close down my card and reorder a new one because of a lost card, however I can not speak to a live person and there is no formal process of filing a dispute that will be addressed.