davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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. (FL)

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2018-12-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (CA)

The collection department of Suntrust Bank Mortgage has contacted me over the telephone several times the past month, yesterday, and today XX/XX/2018 alleging that my mortgage payment is due and delinquent, when it is not. Their collector uses intimidating warning language and false facts ( ... this call is being recorded for debt collection puposes, your mortgage is due as of the first ... or someting like that ). They bought my loan recently, and as a result one of my payments went to the old mortgage company, which I guess put me on their bad list. I corrected the mistake as soon as I could, but they have blacklisted me and therefore the baseles, harassing and bulling calls started. The calls are harassing and demeaning ( one of their agents demeaned me by mocking my accent and pretending to speak mocking XXXX  ). I tried requesting them on the telephone to stop, with no avail.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am requesting assistance as XXXX has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While XXXX may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower XXXX XXXX. 
I'm requesting assistance to report the payments made which have all been on time and yet XXXX has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.
Consumer complaint received 2022-06-13
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. (FL)

Dear XXXX XXXX ( XXXX XXXX of XXXX XXXX ) and Dear XXXX XXXX XXXX  XXXX XXXX, Consumer, will file Identity Theft against you via Federal Trade Commission, If, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ) continue to furnish I, XXXX XXXX, nonpublic personal information to nonaffiliated 3rd party ( s ) who I, XXXX XXXX do not give any consent whatsoever to furnish my nonpublic personal information to nor have I gave any nonaffiliated 3rd party my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my nonpublic personal information.

Pursuant to the Gramm-Leach-Bliley Act, I, XXXX XXXX am very aware that XXXX XXXX, and the Financial Institution XXXX XXXX, are in noncompliance of the Gramm-Leach-Bliley Act which can result in fines of {$100000.00} ( Per Violation ) and 5 years of imprisonment according to The Gramm-Leach-Bliley Act. 

XXXX XXXX, and XXXX XXXX did not comply with simple instructions and rules of the Gramm-Leach-Bliley Act and did not provide appropriate forms to give I, XXXX XXXX the opportunity to Opt-Out of furnishing my nonpublic personal information.

According to federal law it is not required to furnish any Consumer information 15 U.S. Code 1681s ( C ) and XXXX XXXX and XXXX XXXX  did not give I, XXXX XXXX any opportunity to Opt-Out so you will be held accountable for not complying with Federal Law. 

I am very aware that XXXX XXXX and XXXX XXXX are extorting me for nonpayment therefore by extension of credit by extortion means which is causing substantial harm and ruining my reputation and financial reputation furnishing negative information which is not required and youre ruin my financial reputation Pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) XXXX XXXX and XXXX XXXX shall be fined under this title or imprisoned not more than 20 years, or both. 
Dated on XX/XX/2022, I, XXXX XXXX, am demanding XXXX XXXX and XXXX XXXX to remove my account and nonpublic personal information from all Consumer Reporting Agencies immediately. 
If XXXX XXXX and XXXX XXXX continue to furnish I, XXXX XXXX nonpublic personal information I will proceed with all actions necessary to the Federal Trade Commission and file Identity Theft against XXXX XXXX and XXXX XXXX and report you both to State Attorney General and you shall be fined under federal law 18 U.S. Code 1028A ( 1 ) ( 2 ) and imprisoned for 5 years. This you your opportunity as I addressed my demands very clear and shall not be construed for any reason by any person. Im aware of the procedures of the Gramm-Leach-Bliley Act and you are not in compliance. Your company policy does NOT supersede over Federal Law. As Federally protected Consumer, my rights to privacy has been violated.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have had a Walmart Credit Card through Synchrony Bank for two years. I have always paid on time and never been late. I recently started working on my credit to purchase a home. So I have been paying my balances off every month. On today I received a email from XXXX XXXX that my Walmart account was closed. I was not aware it was closed, never received a letter or notification that the account was closed. I called the XXXX number and was told the account was closed because XXXX   Credit Bureau sent them negative information on my credit report. I asked them was my account closed because XXXX XXXX will be taking over in XXXX and was told no it was because I had late payments on my credit report with XXXX. I asked the representative why would XXXX report to them, since they originally pulled by credit report through XXXX  and my credit score was lower than it is now and I had filed bankruptcy. The representative could not explain. I am filing this complaint, because my credit report will reflect this account being closed by the company and negatively affect my credit. How can a company close your account without even notifying you?
Consumer complaint received 2020-12-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I have a checking account with USAA Savings Bank. There were a number of fraudulent charges on my checking account. All of which were done at various gas stations. once I discovered the charges I disputed them and receive a credit on my account for the charges, the amounts were {$91.00}, {$87.00}, {$74.00}, {$72.00}, {$69.00}, {$62.00}, {$60.00}, {$57.00}, {$32.00} and a {$29.00} NSF fee. All of those charges were made at gas stations. The credit for those charges was received on XX/XX/XXXX. The take back occurred on XX/XX/XXXX in the amount of {$360.00}. I received no explanation of why this occurred nor did I receive any information on where the amount came from. and as of today XX/XX/XXXX I still have no explanation of this debit take back. I explained to the representative that my vehicle only holds 12 gallons of gas and I do not use premium fuel, there is no way that my car will hold that much fuel. My issue with the bank is that no one can explain to my why this money was taken and they just keep telling me to allow two days. I have called them 5 times at this point and there is no resolution yet. They also have not given any valid reason for them to be taking money from my account either.
Consumer complaint received 2022-05-04
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. (IL)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 n 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 us 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n 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 n now im hXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-11-17
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 (NM)

On XX/XX/XXXX I set up a settlement agreement ( Document # XXXX ), with American Express Global Collections on the remainder of our American Balance of {$15000.00}. The agreement was for me to pay {$9900.00} with the last payment of {$400.00} due on XX/XX/XXXX. I have been paying on the balance as agreed and as of XXXX the remaining balance due was {$6100.00}. I made arrangements on the phone with AE on XX/XX/XXXX and on XX/XX/XXXX we paid the full remaining balance online of {$6100.00}, ( Confirmation # XXXX ). The settlement agreement letter states ; Upon receipt and clearance of payment for the full settlement amount, no further attempts will be made to collect the remaining balance. This morning, XX/XX/XXXX I received notification from the USPS that I had a letter from American Express coming today. I assumed that the letter would be an acknowledgement that the settlement agreement was followed as agreed and American Express was providing me documentation that the agreed settlement amount was paid in full and all debts settled with American Express. The letter I received today, ( XX/XX/XXXX ), from American Express was dated XX/XX/XXXX and appears to have been mailed from NJ. The letter states that they have turned over our account to a collection agency called XXXX XXXX XXXX XXXX. The balance they show I owe is {$12000.00}. The balance does not credit the {$6100.00} we made on XX/XX/XXXX. The remaining balance is the amount that American Express agree to forgive if I paid the settlement agreement in full which we did on XX/XX/XXXX early as the last payment of {$400.00} was not due until XX/XX/XXXX. I called up the American Express Global Collections department, ( XXXX ), who told me the file was no longer in their office and told me to call customer services at XXXX. Customer service told me to call the collection agency.
Consumer complaint received 2022-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I was on forbearance through the company during the Covid-19 pandemic. I tried to resume payment XX/XX/2021. Flagstar refused my paperwork six times and everytime with a different excuse. I wanted to refinance my home to take advantage of the low mortgage rates. I needed 3 consecutive months of payments. Flagstar held my payments in suspense to keep me from refinancing and discriminating against me. They finally accepted my paperwork once the rates went back up over my current rate. Flagstar lied and said the county did not record my title and they did. They lied and said they did not recieve my paperwork. They also said it was lost and it takes time
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

After reviewing my consumer report, I noticed that there were late pays still being reported. I Got a letter from my bank ( XXXX ) Verifying that I was never late and always paid as agreed. but XXXX and Transunion refuse to remove them after I sent them verifying documents certified mail to support my claim. I am not sure on the dates because my XXXX shows an error code which is making me unable to provide you with accurate dates. Transunion is also reporting the same inaccurate information ( Late Pays ) for XXXX. 
UNDER 15 USC 1666B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION
Consumer complaint received 2020-12-14
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. Equifax simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since Equifax 's breach started this in the first place. There are still issues with Equifax not removing inquiries even when I received letters from Equifax and the disputed companies that the inquiries would be removed.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Securus J Holdings, LLC (FL)

I live in Florida and my only brother is incarcerated in a FDOC state prison, and the only way to send money for him to be able to purchase the BASIC human necessities, which are not provided, is through Jpay, and now they have a unfair rule you have to be on the inmate 's approved visitation list just to simply send money to a loved one. Not only do they XXXX us with unfairly high fees, now this. I am frustrated with this broken system and everyone turning a blind eye to the suffering of people incarcerated.
Consumer complaint received 2018-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2018 at XXXX I tried to pay my mortgage and was unable to I called and also tried the online payment center the message as I could not make payment the company does not allow consumer to avoid foreclosure process. On Saturday I called and spoke w a rep who told me I have to wait until the process start to make the required payment after the lawyer fees are added I asked to speak with an supervisor no one has called make back yet
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a letter that I sent to the credit bureaus back in XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This account Portfolio Recovery is trying to collect is from 2015 or later. The amount is incorrect as well as the dates on my credit report. I have disputed this collections multiple times with no resolution. All I ask is the the dates on the original debt be corrected. Portfolio Recovery continues to change the dates multiple times over the years and sending me notifications by mail.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/2021
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 2018-12-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.