davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (TN)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/2020 Wayfair order placed online order # XXXX for a crib in the amount of {$640.00} XX/XX/2020 I notified Wayfair canceling this order due to no response of order and still processing. 
XX/XX/2020 I was notified thru email that this now pending and could not cancel. 
XX/XX/2020 item was supposedly shipped. 
XX/XX/2020 a refund was applied in the amount of {$530.00} less shipping charges of {$150.00}. 
XX/XX/2020 after backwards and forth emails Wayfair creddit for full amount {$690.00}. 
Receiving numerous call from their financial instiution I thought it would self adjust with delays with COVID. 
Spoke with a representative from Comenity Bank finance charges keep occuring to date. Need to contact Wayfair to resolve. 
XX/XX/2020 XXXX XXXX  filed on Wayfair 's site disputing finance charges and please contact their Comenity Bank. 
XX/XX/2020 receive an email declining my credit card with Comenity Bank and a credit with Wayfair in the amount of {$51.00}. 
I wish this to resolved with Wayfair as I feel the order was never completed until I canceled and the communication with their credit card carrier as I trying to establish a very outstanding credit score.
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (VA)

XXXX XXXX continues to furnish information 12 negative accounts on credit file. According to FCRA anything that permits as a liability will be a HIPPA Violation.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Security freeze implented via my I'd was cancelled months ago PERMANENTLY. It would be nice of these so called professionals comprehended XXXX because they evidently can not. I am now l locked out and need everything removed YESTERDAY by all three XXXX  agencies Experian XXXX and XXXX
Consumer complaint received 2021-07-20
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. (PA)

I previously submitted a complete Identity theft report # XXXX and Experian, XXXX and XXXX have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

HSBC refuses my repeated request that it send me a check cor {$150.00} in redemption of its promotion of {$150.00} for {$500.00} charged by me to my HSBC credit card within 3 months! I have repeatedly told HSBC I find redeeming the cash online impossible to do after several attempts! It has provided me with NO help. I want a check cor {$150.00} promptly sent to me!
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NV)

XXXX sold my mortgage to Flagstar Bank as of, apparently, XX/XX/2021. As per XXXX  original letter to me, I paid XXXX  with check in the amount of {$950.00} on XX/XX/2021 which cleared my bank on XX/XX/2021. Flagstar  refuses to give me credit for that pay and insists I owe them money. I had included a copy of the check in my XXXX payment which I made out to Flagstaff  Bank on XX/XX/XXXX in error. After waiting 5 days for the check to show up in my account and assuming since it was made out incorrectly they would not deposit it, I made out a check to Flagstar Bank, along with a copy of my XX/XX/XXXX check to XXXX. As the check to Flagstaff  Bank cleared after a week, I stopped payment on the second check made out correctly to Flagstar Bank. I received a letter from Flagstar on Saturday, XX/XX/2021 stating I was not only in arrears but also this was a legal debt collection. Today, XX/XX/2021 at XXXX XXXX  pacific time I called the number in the letter. After trying to figure out their totally non-informative menu, I finally reached a human being. After informing the person that I was really upset about their non-responsiveness to my inclusion of a cancelled check in my payments and that I felt this was not my problem but XXXX and Flagstars, the person hung up on me. Aside from being terrible customer service, this is not useful in trying to solve issues. Please deal with Flagstar as they obviously have no interest in dealing with a private citizen. Thank you. 
I have naturally put my XXXX, XXXX  payment in the mail today in my usual amount of {$950.00} which includes additional principal.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I closed an credit card account with citi bank security credit card and left a balance of - {$420.00} Due excessive payments the banking is making difficult to return this money back to me, I got only {$65.00} check sent by mail and the bank keep holding {$360.00} since XX/XX/XXXX.
Consumer complaint received 2021-09-16
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. (OH)

I have been disputing 2 separate accounts on my credit report since XX/XX/21. Since the initial letter that I sent on XX/XX/21, I have sent 3 more letters on 3 separate occasions requesting a real investigation be completed into these accounts. The second letter was sent on XX/XX/21, the third letter on XX/XX/21 and the forth letter on XX/XX/21. I have yet to received a substantial response about these accounts. My last letter I sent on XX/XX/21, I requested the method of verification for these accounts and have not been provided that information which is a violation of my rights with the FCRA. I feel like my request are being ignored. There are clearly errors regarding both accounts if anyone really took the time to do a real investigation. I have the right to complete and accurate credit report. And it is worth mentioning that I was affected by the XXXX Data Breach which is all the more reason that my credit report be completely accurate.
Consumer complaint received 2021-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

On XX/XX/2021, I sent a letter certified receipt along with notarized affidavit to Fed Loan Loan Servicing XXXX. XXXX XXXX, PA XXXX Account Number : XXXX Tell them the following. 

I would like to make arrangements to settle the above referenced matter. 
Please provide me with your statement of the amount owing as of XX/XX/2021. Together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Thank you very much. I told them if I do not get this item by XX/XX/2021 I want all student loans reporting showing on all credit bureaus to be removed immediately to include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I constantly check my credit report and noticed that the false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB enforce the correction and or deletion of these items.
Consumer complaint received 2018-09-25
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)

Equifax has failed to investigate the fraudulent activity on my credit report. I have sent them the FTC report, Identity Theft affidavit, and my identification documents and I have not heard anything from them. The FCRA states in the event of identity theft, credit bureaus have days 4 to investigate the credit file and notify the account holder. They are in violation of the FCRA.
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I have already filed a complaint earlier but would like to add on as I respond to the response the company gave. I would like clarification on how no HIPAA laws were violated as I never provided my signature to consent XXXX XXXX to disclose any of my information. Additionally, I called stating that my insurance was supposed to have paid in full and talked to a representative about it who said they would " get back to me via phone call '' to which they never did. I have never received any additional calls after that request. XXXX XXXX called me multiple times asking me to verify my insurance to which I did so the fact that this went to collections in the first place is beyond me. Lastly, I never received any mail from the collection agency. You state that it was never returned as undeliverable but this would mean that there was an incorrect address on file which puts in question the validity of the debt.
Consumer complaint received 2019-11-05
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)

SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX I DID NOT AUTHORIZE
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (TX)

Hello, I'm in the process of purchasing a house in XXXX XXXX, NM. When I locked my rate on XX/XX/10, the origination charges were {$850.00} under Section A of my loan estimate. The purchase price of the home was {$430000.00}. The LTV was 95 % - down payment {$21000.00}. ( See : 06102021_Better_loan estimate_Rate Lock ) The appraisal on the home came in at {$380000.00}, and I agreed to pay the shortfall. I requested that the loan down payment be changed to cover the shortfall and decrease the LTV to 90 % - down payment {$85000.00}. When this was done, the origination charges increased to {$2300.00}. I called Better and explained to them that this wasn't OK and was able to negotiate {$500.00} off the origination charges, which decreased down to {$1800.00}. ( See : 06282021_Better_loan estimate_Post Negotiations ). I was told the reason for the increase was due to my appraisal coming in under the house value, and covering the shortfall and decreasing LTV didn't matter. 

I would like CFBP to investigate to ensure this practice is acceptable. It doesn't seem right to me if I'm accepting the risk by covering the shortfall.
Consumer complaint received 2020-07-10
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. (PA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX I lost my job due to COVID 19 and called Victoria Secret customer service to see what my options were. The agent advised me that I would be ok as long as the payment was made by XXXX. I made a payment and they still reported my account 60 days late for three months. I have been told the agent advised me incorrectly but I was doing what I could on my end. Now my credit is showing 60 day late and they have also reduce my limit from XXXX to XXXX. I cant refinance my car. Loan or anything all because of this error on VS side
Consumer complaint received 2023-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX is reporting this account incorrectly. This account has been paid in full and should reflect so. Please update this account to paid in full as agreed.
Consumer complaint received 2021-09-16
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: Southwest Credit Systems, L.P. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit sys and XXXX XXXX
Consumer complaint received 2024-02-01
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 am writing to officially contest the inaccurate and misleading details recently uncovered in my credit report. Upon receiving a notification regarding unauthorized and unverified accounts associated with my credit profile, I was dismayed to find that this credit bureau had not conducted the necessary due diligence to validate these claims. Instead, an automatic notation was added without providing any reference or supporting documentation. 

This failure to verify has significantly impacted my credit report, leading me to take legal action by filing a police report concerning these unauthorized accounts. In accordance with consumer law and regulations set forth, I insist on a thorough investigation that was not accurately conducted. 

As outlined in 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the FCRA specifies procedures for contested information. Subsection ( 5 ) explicitly mandates that if, after reinvestigation, information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

I draw attention to 15 U.S. Code 1681n - Civil liability for willful noncompliance, emphasizing consequences for failing to comply with the FCRA. Any person obtaining a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I demand that you delete all the accounts listed below immediately. 
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  Your immediate attention is crucial. Please acknowledge receipt of this dispute and inform me of the steps being taken to rectify the inaccuracies.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

Dear Sir, I have a Wells Fargo XXXX XXXX XXXX XXXX that I use on a daily basis. 
I always make my payment on time with my account, but during the pandemic, I am struggling to make my payment on time but I do my full payment with some extra. 

In my XXXX statement, I made a payment of XXXX and call well fargo to waive the late fee of XXXX they didn't, they refused to. 

In my movement statement wells fargo charge me another late fee of XXXX and I asked wells fargo to waive the late fee but they refused. 

I was late twice on my payment and my credit card charge me a late fee of {$74.00} that is two late fees of XXXX each. I reach out to the credit card and explain that I made my payment on time but due to the pandemic I was a day late with my payment and I changed some late fees. During this hard time, I strongly believe Wells Fargo should waive or pardoned the late fee, I call to explain my situation but they did wave my late fee. 

I made my payment but I just want to be credit for the late fee. 
I am not asking for suspense in my account or for forbearance. I just want the late fee to be a wave. I struggle but I pay my bills a day late and late fees should not be charged during this hard time. 

Thank you
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN BANCSHARES MORTGAGE, LLC (FL)

In early XX/XX/2020, my spouse and I found a home we were interested in purchasing. We had secured our financing with XXXX XXXX and were ready to move forward with putting in an offer on the property. My realtor reached out to the selling agent and was told we must use their lender. 

I was very concerned and voiced my opposition because I did not want to begin the process again, and we were happy with our lender and the work she had done for us. My realtor advised me that this was illegal for them to force us to use their lender but because we loved the home we decided to go through the process. 

On XX/XX/2020 ; my agent received the lenders information via email, and forwarded it to me to apply. 

My spouse and I applied to the mortgage, and once the application was completed the lender ) reached out. We spoke and I informed her that we had already secured financing with XXXX XXXX, and she told me that " If we did not use her services, she would not recommend to the seller to accept our offer, because she wants the business. '' She also stated that the seller relies on her recommendations on what deals to take, and that we would not get the house if we did not use her. 

This was extremely off-putting ; however we wanted the house and went through the process to apply for a mortgage with American Bancshares even though we wanted to continue our business with XXXX XXXX. 

We have now closed on the house, and have lived here for a month ; and I am getting emails from the lender stating they are selling the mortgage to an investor and we need additional flood insurance. 

I informed them that I would not be purchasing any additional coverage, and that the purchase of the investor is not my issue. 

This entire deal has felt extremely shady ; and even after closing things don't feel quite right. 

I have spoken to my new neighbors and many have had similar experiences.
Consumer complaint received 2023-02-08
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. (OK)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.