davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Time Investment Company, Inc. (NM)

I purchased ( financed ) a water filtration system through Time Investment Company , Inc. for our home. There was various issues and I disputed the debt. I ended up filing a lawsuit against Time Investment Company , Inc. and XXXX XXXX XXXX which was sent to arbitration ( still pending ). I was being harassed by Time Investment Company, Inc with their non-stop phone calls and emails. I eventually sent them a seize and desist order to cease all communication certified return receipt and it was received and signed by XXXX XXXX on XX/XX/18. They violated my seize and desist order, this is a violation of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act ( federal statutes ). Please look into this further.
Consumer complaint received 2023-03-11
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)

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 XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/ XXXX XXXX  XXXX XXXX XX/XX/.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (CA)

Experion credit bureau have about 4 hard inquiries and about 15 soft besides anything from XXXX XXXX XXXX witch is my doing but all others listed that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my ssc inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me
Consumer complaint received 2018-12-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SFMC L.P. (TX)

We saw the new home and signed contract on XX/XX/2018 with our XXXX Sales Rep. 
We brought our own financing, and was going to use them, until XXXX said if we use their " preferred '' lender, we could save the title policy fee, in the amount of $ 3200+ dollars. 
We opted to use XXXX XXXX XXXX ( XXXX  preferred lender ) because our Senior Loan officer said he could meet and beat our current financing that we brought, and to save on the title policy. This was a huge mistake, and headache from day 2. 
That Tuesday, the XX/XX/2018 someone at XXXX XXXX office sent our confidential info to our current potential mortgage co, contract and all, essentially ending that relationship, should the XXXX XXXX XXXX fall through. Someone from XXXX  also told our current mortgage lender, verbally, that we were using a different lender. Our existing finance co emailed us of the disclosure, and said they were shutting down our request for financing. 

XXXX XXXX did not answer specific questions about buying down points. We told everyone we were buying down points to the floor ( Sales Rep, Sr Loan officer, Loan Officer Associate, to ensure we could sustain our mortgage, and investment. Despite multiple attempts to get info on the phone, and mainly email. Both contacts skirted our particular questions about buying down points, and the APR over a period of 30 day close process. Our Sr Loan Officer did NOT lock in our rate, and the Fed jumped, causing our " new '' rate to be higher. Despite being told he would meet and beat our rate, and lock in our rate. 
When I reached out the day of closing, yet again, asking about buying down points, to the floor, and asking who I make the check out to, and what type of payment was preferred, I was told, if we did, that it would delay closing and have to go back to underwriting delaying our close, which in turn caused a chain of events to unfold. This scared us as consumers, because researching XXXX and XXXX XXXX yielded info that both keep money of customers, if something falls through. We felt trapped either way. ( I was also told by our Sr Loan Officer, that noone keeps their original mortgage, and that we should just REFI in  less than 6 months, this ticked me off pretty bad. I don't think our rep can predict our current economic climate, and should not be advising people to take a bad mortgage note, just to refi later. This is how the big bust happened about 10 years ago. ) The service first issues, will cost us money every month, for the life of the mortgage, over 360 payments, 30 years. I would really like this addressed. We were under duress, and told by a few, that we could potentially be in breach of contract if we delay. I have spoke to other homeowners, who faced a very similar situation as us with XXXX XXXX XXXX here in our community. We have all of this in writing, and the files are extensive, over 100 emails.
Consumer complaint received 2021-03-06
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. (MN)

There are numerous of accounts that are listed on my credit report. I don't recognize any of them as I was a victim of ID theft. 103 Claims XX/XX/XXXX fraud/account fraudulently opened. Please remove this data from my credit reports. Thank you.
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Paramount GR Holdings, LLC (CA)

On XX/XX/2018, I received a call from a man who said he was with XXXX XXXX XXXX ( my house loan was first threw paramount, they got audited, was over charging me, and my loan is now with someone else ) he asked me if I was ready to refinance..I told him it was not a good time, maybe he could call tomorrow, -he says, I just need you to say ok and I'll run your credit and get some options, -I said, no I'm not going to say that, maybe you could call tomorrow. He never called back. I woke up at XXXX XXXX  on XX/XX/XXXX, checked my e mail, and saw a hard inquiry on my credit..I immediately new something was wrong. Later that morning I called him and asked why he ran an inquiry without my permission..he kept saying it was a misunderstanding, and he had goid options for me, I was very angry, he ran a inquiry on my without my permission, is refusing to fix it, says it doesn't hurt my score as much as I think, I have had many calls from people who received my " application " that I never ever ever put in or allowed. This man in this company has went behind my back and played with my personal information.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2021-03-06
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. (CA)

Even though Ive paid off all my loan and credit card balances Transunion is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also Transunion has addresses for me listed in XXXX although Ive never lived in XXXX in my entire life. Transunion refuses to remove it
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

I told them months ago to refrain from calling or email and to contact me by USMail only. They actually called my sister in Georgia, who has no interest or responsibility in the debt and is not a point of contact. I never gave them her information and they had no right to contact her. So i called them and I said i told u not to contact me any way other than by mail and why are u calling my family about this? You are violating my privacy. He started yelling aggressively, " we tried calling you over 350 times in the last month and we couldnt reach you! We are not violating your rights we are attempting to locate you! '' I said I told u not to call me, to only contact me by US Mail and Im telling you again. And he continued to talk over me saying i never told them not to call, I never answer the phone etc so i hung up.
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holst & Boettcher, LLP (CO)

This has become an on-going practice for XXXX, XXXX XXXX XXXX to aggressively and excessively collect a debt that has been " paid in full '' according to the original principal amount of {$5000.00}. Again, this law firm is seeking to take advantage of a consumer. I've paid through garnishments the amount of {$9900.00} which is 194.5 % of original debt. I've also requested the law firm to forward me their payment records of this debt with zero success. XXXX had written off debt years ago. This law firm is acting in bad faith and needs to be reported to the attorney gerneral office of Colorado, which I will pursue.
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (PA)

Chase ( XXXX ) Auto Finance reported a payment to both my credit report and my wife 's as 30 days past due ( 33 days to be exact ). The account was under SCRA protection, as I was on XXXX XXXX with the XXXX during the month of XXXX. During the month of XXXX two payments were made on the account by my wife. However after making the payments she wasn't sure they both would count for monthly payments. She called Chase and was informed one was a mistake and would not count for a monthly payment. She was then sent a refund check for one of the payments. I now know that after spending 2 -3 hours calling Chase today that had the second payment been left, it would have counted and we would not have been 30 days past due. I'm also upset that I notified Chase I'd be on XXXX XXXX and in the past they've always made the effort to call me if a problem with my account. This time they just let it go past due and reported it to our credit. In addition, my wife did try to make a payment on XX/XX/XXXX to alleviate this but it did not go through on the application and unfortunately due to my absence and later return, along with the holidays she did fail to check. Regardless I feel that to some degree this late payment is on Chase as we were given a refund which made our account past due also I was never notified about a delinquency. Finally in talking to Chase today I was told by one Credit Bureau Reporting Specialist " XXXX '' that this information was wrong and it was not reported to the credit agencies only to find out that it was in fact reported. I feel like I was deceived and told this only to get me off the phone. Please investigate.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling Victoria Secret to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! VS needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

XXXX Wire transfer fraud on personal checking account XXXX Amount of wire transfer fraud was {$1500.00} XXXX phone call to inform Citibank wire fraud department XXXX Walked in to local branch # XXXX to change checking accounts XXXX Called Citibank wire fraud and spoke to XXXX ( fraud prevention specialist ) and she said that they had opened a case # XXXX and that I should file a FBI report. 
XXXX I filed an Internet crime complaint ( XXXX ) XXXX I called Citibank Fraud department and spoke to the dispute department ( XXXX ) Was told that they were working on the wire fraud XXXX I called Citibank fraud department and was told that I would not getting my money returned and that I should look at getting an attorney. 
XXXX I spoke to XXXX XXXX XXXX XXXX in XXXX CA and she would follow up on the wire fraud investigation XXXX I went into Citibank branch bank and spoke to XXXX XXXX bank manager about the wire fraud and was told that there was nothing he could do at his level that it was in the the hands of the fraud department, and unfortunately it looked like i would not be getting my money back XXXX XXXX from Citibank wire fraud department ( ( XXXX ) XXXX option XXXX ) called me to verify the wire fraud and if I had filed an affidavit of unauthorized on line wire transfer and told her that I had not filed or had knowledge nor was told of this claim procedure XX/XX/21 - I went into Citibank branch # XXXX and filed an affidavit of unauthorized on line wire transfer. 

XXXX wrote a complaint letter to XXXX XXXX Citibank CEO regarding wire fraud and how unhappy I am with the process, progress and resolution.
Consumer complaint received 2020-06-05
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: AMERICAN EXPRESS COMPANY (NY)

I am an American Express " XXXX '' XXXX member. I pay {$5000.00} a year just as a fee for this card and I have been an American Express " member '' since XX/XX/XXXX. I am writing to complain about : 1. The rapidly deteriorating service around this card 2.  The fact that I can not put two billing error questions into dispute. 

I called American Express a month ago to put into dispute 2 charges from XXXX. The first, a charge of {$71.00}, dated XX/XX/XXXX, I did not recognize. The second a partial dispute for {$81.00}, out of a total of {$750.00}, appeared on my account on XX/XX/XXXX and was for an article I did not receive. When I received my statement this month, neither of these disputes appeared or were recognized, in spite of the previous month 's conversation. When I called Amex my " pod '' had all gone home, as had " disputes '' so I was transferred to an " overflow '' person who could not help me and told me to call back at a time more convenient for American Express. What service am I paying for you might ask? Am I XXXX to pay these outrageous feed for this outrageously bad level of service?
Consumer complaint received 2023-03-11
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-14
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)

I previously sent four update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Consumer complaint received 2024-02-08
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX  : Account number : XXXX  This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is a result of identity theft.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act 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 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (MD)

I paid my balance in full with XXXXFORTIVA XX/XX/2019. After I paid the balance in full, I asked the company to closed my account in XX/XX/2019. XX/XX/2019 FORTIVA reported a late payment to all 3 credit bureaus. I have called this company several times over the last 3 years demanded that my account be closed and it has taken this company 2.5 years to close my account, that should have been closed in XXXX XXXX this account was NEVER paid late because it was paid in full 3 months before reporting late.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Financial Network Inc. (NM)

XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.
Consumer complaint received 2023-03-11
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)

This is my 2nd 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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Owed XXXX {$2500.00} XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX