davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a XXXX card Mastercard. I canceled it in person years ago. Apparently they didn't cancel it and the money for auto renew kept being taken from my account and I didn't notice as it was only XXXX a year. The original bank that held the card got bought out by capital one. They activated a new line of credit without my approval. This has damaged my credit as they also charged a new bjs membership and it went deliquent. When we tried to explain and requested they take the deliquent reporting off they said they may do something after 90 days. This puts me in jeopardy of not getting a good loan on a roof replacement caused directly by them when I have no other derogatory remarks on my credit history. It took them over an hour to even accept it might be a fraudulent zombie account. They kept stating it isn't fraud because I agreed to a Mastercard in XXXX. The original card expired in XXXX and I have never seen any other card.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.
Consumer complaint received 2022-08-30
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. Transunion just removed two of the loans but XXXX and XXXX has not.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (MD)

RESPA Violations - First American Title Insurance Company is my title insurance company that I opted to take out a policy to have them defend me against any mortgage defects. Instead they went against me. The entire mortgage is not mine, forgeries admitted, title company owner prosecuted and went to jail for the same crime I 'm dealing with and 5 different settlements sheets submitted into court records and none of them match the Good Faith Estimate submitted by the alleged lender. Nothing matches including the escrow- their documents state there is an escrow, but I paid my own taxes and insurance. My name was forged on someone 's loan and 5 different settlements sheets have been presented with different sales amount, different signatures, different way of writing the date and nothing matches.The deed was notarized one year after the alleged settlement.
First American wants to cover up and hide the RESPA Violations and Defective Mortgage. The court case was civil and did not involve RESPA or Escrow.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IA)

Venmo froze my account for no reason! XX/XX/2022 I received an email saying that my account was frozen and to verify my identity which my identity has already been verified. They then told me that wasnt the problem. That the problem was a series of activities that happened recently with my account which doesnt make sense because I barely use the account! Even while my account is frozen my bank transfer of XXXX was added to my Venmo balance. I already had XXXX dollars in the account when it froze. So now I have XXXX dollars in a frozen account that they refuse to unfreeze. I did not violate any terms of their agreement for my account to end up frozen.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have applied for a loan modification and I was told during the loan modification process not to submit payments until approved. I have also been told this should not affect my credit report. I have been notified my credit report shows no payment when I have been told to save the payments until the loan modification have been approved. I believe my mortgage company should not report delinquency during a loan modification process. Please assist by having the report updated.
Consumer complaint received 2022-03-20
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act 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, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-10
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2017-08-17
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. (OR)

I submitted a dispute with Equifax about an incorrectly reported credit card balance and incorrectly reported late payment. I also submitted a complaint to the credit card company itself. Equifax took over 30 days to complete their investigation and during my wait for Equifax the credit card company responded and fixed their error on all three credit bureaus. The credit card company sent me an email apologizing for their error and stated it 's been corrected. I checked the three credit bureaus and it was correct on all three reports. Then today, 30+ days after my initial dispute, I get an email from XXXX saying Equifax has changed my credit score, and I got an email from Equifax saying my dispute results are ready. I went in to the report Equifax provided in the email and they put the incorrect credit balance and incorrect missed payment back on my credit report! This also dropped my credit score over 50 points! I went online to my credit card to make sure something did n't happen that I was unaware of and my statement shows it is still all paid up and XXXX owing right now and it is not late or over the credit limit like Equifax changed it back to! This is absolutely ridiculous that I have to keep going through this with the credit bureaus. This really needs to get fixed quickly and the XXXX card account switched back to the correction that XXXX card services reversed earlier this month! If the credit bureaus do n't stop messing with my credit score unjustly I am going to start a class action lawsuit against them. They will be shut down. They are breaking all of there agreements made to provide better service and they are about to be held accountable for it! If they want to keep their jobs they will start doing the right thing rather than trying to ruin our scores! It 's not fair at all!! I 'm so frustrated! They seem untouchable! We need the governments help to real them in and make it all fair!
Consumer complaint received 2022-10-26
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. (CA)

This company has refused to address me through the CFBP website and yet chose to contact me outside of this complaint and send me verification which I never asked for. Further communication from this company after I demanded them to cease and desist all communication with me is a direct violation of the FDCPA. After deleting this account from my consumer report, XXXX XXXX reinserted this negative account back onto my consumer report without notifying me within 5 days. I reaffirm that I do not owe this company any money and I refuse to pay any alleged debt. They have violated my cease and desist by sending me further information in the mail. XXXX XXXX is using extortionate means to collect on an extension of credit that is not due to them which is punishable by jail time. Also stating that I am indebted to them for this account is a false claim and subject to criminal and civil liability.
Consumer complaint received 2022-03-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

I applied for a loan for a mobile home and was given a 7 % interest rate. I wanted a lower rate so my agent told me to call another person. I did and they gave me a 5 % interest rate over the phone, and gathered all my information. I received the loan estimate and the interest was 8 %. My real estate agent asked me to call the lender, I told her I was not going to call him because I feel he bated and switched the amount of interest. She said I told him not to do that. I was shocked that she knew what he was doing and didnt tell me. I thought she worked for me not the loan originator. I feel they are in co hoots in trying to trick me. He thought I wouldn't notice the amount on the paperwork, but I did. Isn't that illegal? If its not, it should be. This was a {$200000.00} loan and the loan fees were {$10000.00}!! The name of the company is 21st mortgage, the loan originator was XXXX XXXX, and real estate agent was XXXX XXXX.
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act 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 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

I received an offer on Citi 's website and via email to receive {$400.00} if I open an account with {$15000.00} in initial funding ( with many restrictions in fine print ). 

I opened and funded the account on XX/XX/XXXX by clicking on the offer and providing the information needed to open an account. 

I followed up with customer service on XX/XX/XXXX to verify that I was meeting the terms of the promotion. I was told that I was meeting the terms of the promotion and that I could expect to have my account credited after I kept the funds in the account for 60 days. 

I followed up with customer service to ensure that I was correctly meeting the terms of the offer on XX/XX/XXXX and inquire about the promotion. The representative told me that I was meeting the terms and that I could expect to see a {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that I would receive the {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that a case would be open to investigate my issue. I received a communication on XX/XX/XXXX saying that their investigation was complete and that they were not aware of any promotion offered in conjugation with the opening of my account.
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DC)

I noticed a collection account on my credit report in XXXX of 2016, from a collection company called LVNV Funding, operated by a company called Resurgent Inc. The debt is for {$41.00} and im unaware of the original debtor but I know it 's not my account. I 've reached out several times to LVNV and asked them to provide me with proof the debt is mine and they have been unresponsive. I also filed a police report in XXXX of 2016 and sent it to XXXX and asked them to remove this fraudulent item, to no avail.
Consumer complaint received 2022-10-26
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I contacted all 3 bureaus after discovering some accounts that were not correct. I asked them to do an investigation and verify the information. I sent in a letter to XXXX, Equifax, and XXXX containing the accounts along with my verification of my identity a bill my id and my ss number card. The accounts came back verified, which is incorrect I never had any dealings with XXXX XXXX and the XXXX account was paid three years early in full, this is really affecting my credit score and it is inaccurate 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.