davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
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 (FL)

, On XX/XX/2019 I noticed there was pending charge of a linked external account into my account i was not aware about. The charge was in the amount of {$9000.00} I contacted Blue Bird by american express they said they will try and cancel the transaction and contact the bank it was linked to. They put account under dispute and said investigation takes 10 business days. On XX/XX/2019 which was the 10 business day i contacted them around XXXX XXXX. They said i had to wait till the end of the day for a response of my dispute. They sent me an email at at XXXX ; XXXX that my dispute for the {$9000.00} dollars was declined from American Express Prepaid Card because based on their investigation they determined no error occurred and that the transaction was authorized. I have no link accounts to my prepaid I have been saving all year all banks if you are going to do a big transaction will contact you this bank did not do anything to help me from identity theft In addition I have contacted all 3 credit bureaus. I have contacted the police for Identity Theft. I had to change all passwords. The bank does not want to give me any information about the linked account nor where it comes from. they said to send a letter and they will help in the matter I really hope me writing to their fraud Department it will make a difference .They hung up the phone on me the last 3 times i contacted On XX/XX/2019. I tried talking to their representative and they put me on hold and then hung up. In addition, it made it more suspicious on their end. I am taking all measures possible I will like the only money to be back into my account. At this point you want to save for a better future and maybe buy a home and I felt as if my money was safe with them and now I am scared to even put XXXX dollars into a bank and wake up and have nothing. My direct deposit I had to cancel as well The agents answering phones were not helpful and just kept saying to wait the 10 days. I have I been a victim of identity theft someone please help me fight this dispute it is very serious and it can jeopardize not only my identity but also my credit. Is Blue Bird american Express a fraud?
Consumer complaint received 2023-03-29
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. (OH)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

I have two serious problems with American Express. I have been a customer of American Express Credit Card Co. for many years. 

The first problem is : One month ago the company sent me a letter saying that I would be enrolled in paperless billing as of XX/XX/2023 - without my consent. I did not want that change. It took me about two hours speaking to a customer service representative ( a week or so ago ) to have that changed. The employee said it was corrected, but I am not sure that it has been done. I do not trust the company. 

The second problem is : Up until one month ago, American Express has sent me a monthly bill that clearly stated what amount I need to pay each month to pay off my debt within 3 years, thus saving interest and allowing me to properly manage my expenses. The company stopped doing that last month and did it again this month. 

I spoke to a customer service representative who said that my only choice is to pay the full amount or the minimum payment, which will take me 36 years to pay off and XXXX  in interest. 

I can not figure out what the 3 year pay off amount is. I need it. I feel American Express is engaging in an unfair practice that is designed to make me pay more money and increase its gross profits. 

I need your help. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX Date open XXXX XXXX {$1200.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX and Transunion. 

XXXX XXXX Bank XXXX. XXXX Date open XXXX XXXX {$660.00} XXXX a victim of identity theft and this account was not created by me. Account published by Transunion.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

By the provisions of the Fair Credit Reporting Act, please have these adrresses removed from my report. Please send an updated copy of my credit report to the above address listed on my ID. According to the act, there shall be no charge for the updated report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (VA)

I have tried to contact Sofi bank for almost two weeks I havent been able to buy groceries or pay my rent soon I will be evicted even though its the banks fault I have called every department but the keep sending me to voicemail. Since XX/XX/2021 my account has been frozen .with no explanation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZINC Financial, Inc., (OH)

The loan was paid in full as XX/XX/19. The nature of this complaint is due to a FP ( forced Placed ) insurance that was wrongfully billed to the account, totaling about {$1400.00}. There were several communication exchanges with ZINC to provide/validate that there was never a gap of insurance. Even though an active policy was provided, ZINC did not remove a highly cost insurance forced placed on their end. This an unfair practice and close attention to this particular lender business practice is highly encouraged. 
Please be aware that there has been several complaints filed against this business.
Consumer complaint received 2018-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX   XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-03-29
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. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint filed through this page. The XXXX XXXX XXXX accounts listed on my report were opened more than 10 years ago. I expect these accounts to be removed from ALL credit reports. All accounts listed on report after 7 years is against the terms of agreement. This needs to be done ASAP and written actions be mailed to me to retain for my records. If a accounts are not removed from all 3 credit bureaus I will take legal action against the current holding Company.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (TN)

In accordance with The Fair Credit Act XXXX & XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX, XX/XX/2022 I received a text from Capital One regarding a suspicious charge on my account from XXXX XXXX XXXX  for {$29.00}. I responded to the text message that I did not authorize the charge. Capital One stated they would stop the use of my card, great. 

This evening I went online to dispute the previous charge from them on XX/XX/2022 for {$15.00}. This was a purchase I made for a XXXX XXXX Drone I saw on a XXXX XXXX  Clearly it was a scam after all. When I track the purchase I made on XXXX it just says XXXX with no additional details. Again, clearly this is a scam. 

The rep on THREE separate occassions referred to this fraud as a " promotional strategy ''. I tried to be patient with the rep for so long on the call. The only reason I called was to get a new Credit Card. I kept getting the run around by this person and Capital One 's rep continued to defend the scammer calling it a strategy until I flipped out over the phone and told her no, its fraud. It's not an ad, its fraud. Fraud scam theft you name it, its fraud. I told her I needed a new card and for whatever hold is on my account to be removed so I can dispute the {$15.00} from XX/XX/XXXX on my card. She continued to speak in a way that does not get me close to the resolution. I asked if the call was recorded, in which she said yes. Great and I hung up.
Consumer complaint received 2022-10-06
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. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$38000.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX  XXXX CO XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My mortgage is escrowed and the mortgage company is responsible for making the property tax payments. I have made all of my payments on time. When my loan servicing transferred to Freedom, they had my escrow payment incorrect. I called to correct the issue and pay a higher amount to cover my property taxes. I received a notice in the mail yesterday that the county has placed a tax lien on my property due to unpaid property taxes. I have a FHA loan, the property taxes should have been paid by the mortgage company. This is not only public record that my property has a tax lien against it, but it will affect my credit as well. When the mortgage company contacted me back about my issue, they said it was the prior servicer 's responsibility to pay those taxes even though they were due when the current company was servicing the loan. They also told me that it was my responsibility to notify the mortgage company that they need to pay the property taxes. Freedom Mortgage made a huge mistake by not paying my property taxes through the escrow account that I pay towards every month.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

XX/XX/2022 called Hunter Warfield in attempt to pay debt. I was sent a letter for {$770.00}, but they are asking for more than that. They sent letter to wrong address. It needs to be sent to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (DE)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Caliber Home Loans transferred account services to XXXXXXXX XXXX XXXX on XX/XX/2023 Account # XXXX XXXX XXXX XXXX XXXX SC XXXX Caliber Home Loans transferred the services on XX/XX/2023 and up until today they have not forward any payments from XXXX and XXXX to the new service provider ( XXXX ). 
Caliber already closed my mortgage account with {$0.00} balance and its reporting account paid off to credit bureaus.

I know they have up to 60 days to forward my morgage payments to the new dervicer ( XXXX  ) and they have not forwarded anything yet. XXXX is about to start foreclosure proceeding on this loan for missing mortgages payments. 
Caliber Home Loans was receiving mortgage payments from the State of Florida Department of Economic Opportunity ( DEO ) under the Homeowners Assistance Funds ( HAF ) until XX/XX/2023, but Caliber has neglected to forward these payments to XXXX  in a timely matter therefore putting my home in jeopardy for lack of payments.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

I attempted to open a TD Convenience checking account online on XX/XX/21 with direct deposit in order to receive the incentive bonus. I sent in my identification and all other requested information. The website advised my identity could not be confirmed and requested I visit a branch. I went to my local TD branch where a bank assisted in opening the account. When I asked if I would still be eligible for the incentive bonus he said yes, as long as I set up my direct deposit and satisfied the terms and conditions. Since I set up direct deposit and satisfied the required deposit amount in the scope of time outlined I feel Ive earned this incentive reward. Ive contacted TD Bank on XXXX separate occasions and never heard back regarding my case. Im beginning to feel like I was deceived into opening this account.
Consumer complaint received 2022-07-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Turning Point Solutions LLC (TX)

Im receive multiple emails and calls from advance capital solutions. The debt was included in a bankruptcy and my attorney has reached out the them to stop calling and emailing me. That message was sent on XX/XX/XXXX and then another request on XX/XX/XXXX. Today XX/XX/XXXX I got another call and email.
Consumer complaint received 2022-10-06
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX