davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
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. (AL)

Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my Transunion and XXXX. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.
Consumer complaint received 2021-04-10
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX was allowed to add a false debt collection on my Experian report. They also added it to XXXX. It was removed from my XXXX report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to XXXX XXXX XXXX however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I acknowledge the effort made to delete some fraudulent entries from my file, yet there remain unresolved items derived from alleged fraudulent activities that urgently need attention. This marks my third formal complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : 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 -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX, XXXX. Pursuant to FDCPA 809 I requested XXXX XXXX XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I have more than 4 years of credit history with both XXXX  and XXXX but not with Equifax. I am in the process of mortgage application and the lender wasnt able to pull report from Equifax so my application is delayed and my buyer contract will be revoked because of that. 

Both XXXX and XXXX have my credit reports and history and I know my creditors sent my info to all of three credit reporting bureaus.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-26
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. (TX)

Hello, my name is XXXX XXXX. 

These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf. Here are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX TransUnionXXXX XXXX TransUnionXXXX XXXX XXXXXXXX TransUnionXXXX XXXXXXXX TransUnionXXXX XXXX TransUnionXXXX XXXXXXXX TransUnionXXXX XXXX XXXXXXXX TransUnionXXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A utility account has been fraudulently applied to my credit profile. The account is dated for XXXX XXXX XXXX in the amount of {$190.00}. The company refuses to listen to reasoning that the account is fraudulent.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (WA)

I recently went through a refinance process with Better.com for $ XXXX principal left on my loan, with a cash out of approx $ XXXX. I signed the closing documents on XX/XX/XXXX with the right of rescission period ending on XX/XX/XXXX ( Saturday XXXX XXXX, skipping XXXX. I did decide to cancel, and sent the notice of cancellation documents that Friday via email to my closing agent as well as the mortgage agent, and also uploaded it into the provided space in the Better.com site. I also received confirmation of receipt by the closing agent as well as by another agent that they received my cancellation via email and on their site. 

Since then, it's been two weeks and they have yet to fully process the cancellation. My original loan company is still showing as being fully paid off and I'm unable to make my mortgage payment because of it. 

I've contacted my closing agent every other day or so, as well as have wired the cash out back to the title company. The closing agent said that he had submitted the cancellation that Saturday, and reassured me on Monday that everything was cancelled from their end as well as from the title company. He also stated that the reason everything went through was that because it was a " holiday weekend '' everything had been automated before then. Additionally, since he was out on Friday he couldn't click the button - even though that Friday was part of the rescission period. 

Since then, I keep on receiving automated messages from them about funding the refinance as well as next steps to take with the new loan. When I emailed him about each new email, he kept on reassuring me that everything was fine. 

When it went past the first week of XXXX, I started worrying about my XXXX mortgage payment, and the closing agent again reassured me that it would be fine. He finally told me on XXXX ( 1.5 weeks after I had rescinded ) that currently it was not Better.com 's fault that the cancellation has not completed. 

I'm very frustrated that it has taken over two weeks so far for a cancellation to fully process, as well as the closing agent 's runaround in saying that the reason for everything is because it was a " holiday weekend, '' which they must have known and planned for if they had me close right before.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

As of today, XXXX XX/XX/2020, there have been multiple issues with this card. 
1 ) I opened a new Macys XXXX XXXX card in early 2020. I was promised Macys bonus points ( aka XXXX XXXX ) worth {$20.00} in Macys purchases if I used the card for at least {$150.00} in purchases outside of Macys by XXXX XX/XX/2020. I fulfilled the requirement timely, and despite multiple calls and messages to Macys XXXX  credit card dept. I haven't been awarded that promotiional perk ; 2 ) I also never received my " birthday gift, '' another promotional promise ; 3 ) Latest issue is the failure to process my payment check timely. The most recent check was mailed XXXX XXXX from my local post office. It has not been processed some 10 business days later. The last time I spoke to one of the agents, I was told that because Macys has moved much of this function off-shore, things are not the same.

No kidding. If the payment check is not processed/cleared by Monday, XXXX, it will be late and will likely incur a late fee. By comparison - a payment check I mailed to another company on XXXX XXXX from the same post office cleared today, 5 business days later. 

It seems to me that Macys XXXX  is pressuring me to pay my bill in another manner to make it more convenient/less expensive for them. 

BTW, my email inquiries have been answered by an automated message response program generated by XXXX This onion has a lot of layers and that is NOT in service to we consumers. It makes it nearly impossible to get assistance or a comprehensible reply, let alone timely resolution.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened my account with chase bank on XX/XX/2020, I set up direct deposit and I transferred {$1900.00} from my old bank account to my chase account, fast forward to XX/XX/2020 and my account is locked and closed with no explanation. The money I transferred into the account is now being mailed to me and I have to wait up to 1 month before I receive it.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My home is located in South Florida in a county that was affected by Hurricane Irma. I was offered forbearance option from my Mortgage Servicing  company SPECIALIZED LOAN SERVICING for 60 days after which I was offered to apply for loan modification. I did but SLS was losing half of my documents every time I sent them, because of that the process was delayed on their end. During this time I was in constant communication with them and they told me multiple times that they will not report late payments as long as we are in the process of a loan modification. 
Unfortunately this morning ( XXXX/XXXX/XXXX ) they did report the late payments. 

I am in the middle of applying for a mortgage and my credit score went down by XXXX points. At this point, I can not close my loan anymore. 

I tried talking to them multiple times, unfortunately, they do not know anything and can not do anything for me. 

Please help me as this issue is v ery time sensitive. 
Their address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX, ( XXXX ) XXXX
Consumer complaint received 2020-11-16
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. (FL)

XXXX XXXX XXXX recently reported a collection account at the TransUnion consumer reporting agency - on behalf of XXXX - in the amount of {$1600.00}. They were notified that said account was fraudulent on XX/XX/2020. Thereafter, a dispute claiming fraud was filed with the consumer reporting agency. 

XXXX XXXX XXXX  and TransUnion have ignored my claims of fraud notwithstanding several complaints, disputes, and the issuance of a fraud victim statement.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

The company has a " copy '' not the original lease documents. The lease does not show my signature on there and no evidence of an drivers licenses this is surely hearsay and is inaccurate. I never lived at this place and I was a victim of identity theft. This needs to be removed off my credit immediately. This is against the law. This is not the original lease nor does it prove anything. My social was not only compromised but it is not even shown on the lease. If this is not taken care of this will go into litigation. Have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 7191 may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WV)

On XXXX XXXX a friend sent me {$5000.00} through PayPal. Now PayPal isn't letting me have my money. Although I have done all that is required for me to do. They are trying to steal my money and I can't do anything about it.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Great American Finance Co (CA)

My intent to file a complaint against Great American Finance Holdings, LLCs ( GAFH ) due to the inaccuracy of my credit statement balance based on a promotional purchase at XXXX XXXX XXXX on XX/XX/XXXX. The statement balance reflects monthly interest charges that should not be applied until XX/XX/XXXX. On XX/XX/XXXX, I reviewed my statement balance which included an interest charge of {$46.00}. It was my understanding at the time of purchase that the promotional period included 12-months with no interest. On this same day, I called GAFH speaking with a representative to attempt to clarify or resolve. The representative informed me that the amount in GAFHs records reflected the interest free period with an amount of approximately {$2300.00}, which was different than the amount on my statement {$2400.00}. Based on my statement, GAFH is breaching the promotional period with indicating a balance that included the interest charge into the new balance. GAFHs practice may inadvertently and unintentionally cause consumer overpayment due to a violation of agreed upon promotional term conditions. This oversight may appear that GAFH engages in predatory lending practices. As of XXXX XXXX, I have received no response from GAFH LLC.
Consumer complaint received 2020-11-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (OH)

A person pretending to be me has reported to XXXX, XXXX, and XXXX that my credit cards have been missing/lost and requested new credit cards to be sent to my address. They also submitted a " change of address '' request with the USPS which i never authorized or knew about. They also opened a new credit card/account with XXXX XXXX. I have called XXXX, XXXX, XXXX, and jet blue and had all my cards/accounts closed/replaced. The dates of these events take place between XX/XX/XXXX  and XXXX/XXXX/XXXX. I also filed a police report describing the events on XX/XX/XXXX  with the XXXX XXXX police department in OH.
Consumer complaint received 2020-09-01
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (DC)

I am a federally protected consumer and I requested validation of alleged debt with Navient. This document was received by Navient on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Navient is in violation of XXXX.
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I need your assistance ; I have to resolve this situation, and to no avail has it been resolved. I complete a XXXX Money transfer from my Wells Fargo Checking account to XXXX XXXX, XXXX, email address XXXX. I transfer a total sum of {$350.00} on XX/XX/XXXX for the exchange of merchandise. After transferring the funds, XXXX XXXX changed her number, email, and her XXXX profile. I immediately contact Wells Fargo, provided my information, and was informed an online transaction claim would be started. A Wells Fargo representative also told me if my claim was still not resolved within the ten business days, I would be provided a provisional credit of {$350.00} until the claim was resolved. 

I contact wells Fargo today, XX/XX/2020, at XXXX XXXX at XXXX ; I was told that my claim was still being worked. I was also told the previous information received from the Wells Fargo Representative on XX/XX/XXXX was not accurate, and no provisional credit would be granted. I requested to speak with a Supervisor who said I would not be receiving credit and would not be getting my money back from filing the claim. 

I am a single parent of XXXX girls, and this purchase was for XXXX gifts. I am desperately seeking your assistance to help rectify this situation and give my kids a XXXX. I am currently unemployed and have no additional funds.
Consumer complaint received 2021-10-19
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: Marlette Funding, LLC (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on BEST EGG/SST ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.