davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
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)

I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased an American Express gift card in the amount of {$340.00} ( I paid {$340.00} total including the fee ) at the XXXX store in XXXX XXXX, CA, on XX/XX/XXXX. Then somebody fraudulently used my card ( even though the physical card had always been with me in my wallet ) in the city of XXXX, CA, at XXXX. The purchase amount was {$320.00}, it was made on XX/XX/XXXX, at XXXX XXXX. Pacific time. 
Transaction reference # is XXXX The store transaction number is XXXX I contacted both the Merchant and the card issuer. The merchant was NOT willing to help me at all. American Express representatives kept sending me back to the merchant. So it was a vicious circle for me. Amex rep gave a me a transaction reference #, and suspended my card with the remaining balance of {$16.00} I talked to AMEX representative named XXXX, his ID # is XXXX a few times on XX/XX/XXXX. And once again, he confirmed that American Express can not initiate a dispute with a merchant on my behalf, since a gift card was involved. 
So as a consumer I do not feel protected at all. I paid my money, American express received it, the merchant did, but it was NOT me who received a service or product. I just paid for some fraudster.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? 15 USC 1611 is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If XXXX is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed fraudulently.15 USC 1611 is another violation of my protected rights.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated, but how is that possible if the fraudulent account was never blocked due to identity theft. I have sent them a copy of my police report and also informed Transunion that the id theft situation is already being investigated and the listed account shall be removed and blocked. This is ground for removal and they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with CAPITAL ONE and XXXX XXXX. I have always made my payments on time. For some reason I realized that there were charge off accounts on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (NC)

I went under contract to sell my home on XXXX-2017. Closing date, XXXX-2017. On XXXX-2017, the cclosing attornrey for the buyer sent my release of lender information form to Ditech to get the payoff for my mortgage. Ditech would not release the information to them. The closing attorney contacted my attorney. On XX/XX/XXXX, my attorney 's office was attempting to contact someone to get the payoff information for the next day. No response back. The next morning ( XX/XX/XXXX ) I was to sign my documents for the closing. My real estate agent and myself sat in the office while my attorney again attempted to get the payoff information. They said it would be 24 hrs. We contacted the closing attorney for the buyer and told them we were signed and the form would be there XX/XX/XXXX. They went ahead and signed everything except the final closing document which would be completed when the payoff came. LATE on XX/XX/XXXX the form came with the wrong name on it. We immediately contacted them to have it corrected. They said it would be Monday XX/XX/XXXX. It did not come. On XXXX-2017 my attorney called them and had to get a little nasty with them and they then told him it would be 10 days. This sale is needing to be completed and we ca n't get the payoff information.My attorney asked to talk to a supervisor and the legal dept and they would n't let him talk to either. Its been a week that we have n't been able to close. We need help please.
Consumer complaint received 2023-03-24
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: WELLS FARGO & COMPANY (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. WELLS FARGO DEALER SVC XXXX Date Opened : XX/XX/16 Balance : {$0.00}
Consumer complaint received 2020-08-24
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. (FL)

l have submitted three certified letters to Transunion, XXXX  XXXX  credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the XXXX XXXX XXXX XXXX Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from Transunion, XXXX, XXXX.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Equifax reinserted a bankruptcy on my credit report on XX/XX/XXXX, after they took it off over a year ago. Equifax stated in an online dispute that they verified/validated the bankruptcy with XXXX XXXX which is untrue. I called XXXX XXXX at XXXX and spoke with a representative explaining that Equifax stated they verified a bankruptcy to Equifax. XXXX XXXX stated there was nothing in there files that shows I requested anyone to pull my credit since XX/XX/XXXX and that was a insurance company. My XXXX XXXX  file is froze due to identity theft and XXXX XXXX  assured me they did not verify any information with Equifax. Equifax stated they called a number that supposed to belong to XXXX XXXX  but the number they have on the file that equifax stated they used is a phone number that is to another country which is XXXX. XXXX XXXX does not have a number connected in XXXX. I have disputed numerous times an address that does not belong to me which is XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX. Equifax reinserted that address also after taking the address off my credit report and reinserting with no validation. equifax has removed accounts that belong to me that I never disputed. Equifax removed my current permanent address without my permission. I live in nevada and have been her since XXXX. My address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, nevada XXXX my ohio address is XXXX XXXX XXXX, XXXX XXXX ohio XXXX. Equifax has ruined my credit report causing my score to plum XXXX plus points causing my score to go from XXXX to XXXX. This is a major problem and need to fixed immediately!
Consumer complaint received 2022-04-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (HI)

In XXXX of 2021 my home loan was sold to freedom mortgage corporation. At that point I started receiving letters that I was required to provide proof of flood insurance or that they would order it for me. My home is in a condo and flood insurance is purchased for the property via my XXXX. I contacted my XXXX and they provided me proof of flood insurance. I provided this documentation to freedom mortgage. They have now sent me letters stating that the policy is about to expire and that they require additional proof of a new policy. My policy is not expired. I have a current policy covering my home for flood insurance and proof of this has been provided to freedom mortgage. They will not acknowledge my policy and are actively trying to double charge me for coverage that I already have.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

bb & t is my mortafe bank ; payments are XXXX month ; my wife takes care of most of this as her part of the family unit ; however, as of late her father who is XXXX is not doing well ; this has caused her to make a few slow payments and/or miss one over a 2 week time. XX/XX/21 i got a call from someone saying bb & t, and asking all kinds of questions ; as a smart comsumer i ask what this was all about ; i was told, '' i can not give out any information untill i have ask all my questions and recieved all the answers i need '' ; i felt this was a con, the lady being rude ; she did call me., i called bb & t to see what was the issue ; i was told they would have to get back with me ; today XX/XX/21 i got a letter that i had a missed payment from XX/XX/21 ; that is less than 30 days ; just as i was reading the letter. i got another call from the same lady ; " requiring '' me to be silent unless answering her questions ; i hung up. i called the number on the letter and got " this is a debt collector '' on the phone and the same lady ; i told her i wanted to know what this was about ; she again required that i answer a lot of questions ; i hung up ; i then went to bb & t ; paid the bulk of the loan ; and requested a final notice of what would be due ... the lady was rude ; i am not 30 days deliquent ... if i was told what it was about i may have been better equipeted to answer the question ; however i was dealing with bb & t bank not a debt collector ; my serviecs should not be pushed to such a group ; i hate them i will not deal with them ; they are rude and treat one as a number ; without consideration of a human with problems ; such as what is going on in the world etc. there are a lot of scamers out there ; she should be required to answer my questions as well so i know it is safe to give out some information, just not too much. i went to the bank gave only my account number and i was well on the way to closing the account ... they will be at a lose for the next 35 months whitout that intrest that would have been paid.
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have received numerous calls nearly daily from a debt collection agency Portfolio Recovery. I don't owe anybody anything. I have blocked every phone number they have used, but it appears they are spoofing numbers from all over the country.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

Um, people are not receive the unemployment card at all. O never got mines and I been trying to get one for four mouths nothing. I just try to call no answer no response. You stay on hold for two hours. Like, if you say that a lie then you XXXX lying ... Sorry to say that. Like, that my hard working money on the card which I didn't get. I just want the unemployment to cancel your guys card and send the money to my personal account no response at all and the unemployment card still haven't show and it has all my benefits on there idk what to do.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (ID)

I was made aware of this collection through a credit monitoring service. When I checked my credit report it did not say who the original creditor was. I called the collection agency I.C System, Inc. and they notified me who the creditor was.. I asked the collection agency why the didn't make an attempt to notify me of the debt prior to reporting to the credit bureaus. The woman on the phone who was very rude said they received returned mail. They were sending the statements to the wrong address. However, they did have my correct email and phone number but made to attempt to make contact me that way. I had no knowledge of an outstanding bill with this creditor which was with a medical office as my insurance covered the treatment. I told the women I would contact them first. She again was very rude, was yelling asking me if I was going to pay the bill and I said, " No. '' I phoned the creditor and they notified me that I had a co-pay due from my treatments. They too had sent the bill to the wrong address but never called or emailed me to ask me for my correct address. The office manager realized that it was a mistake to send the account to collections and we made an agreement for me to pay the outstanding balance directly to them and they would call the collection agency to have the account removed from my credit report. I made the payment over the phone immediately. The collection agency reported the next day to XXXX XXXX and XXXX  that the account was paid less then the amount owed which was incorrect. Then I received a receipt stating that I paid the debt directly to them which is incorrect. Then they reported to the Bureaus that the account is paid in full but they refuse to remove the account from at the request of the original creditor has made this request more then 6 times. They have said they can't according to the law. They have said they can't provide a letter stating the account will be removed according to the law. They have said if I dispute the account they will fight it. I have manage to get it removed from my XXXX  credit report but I can't not get it removed from XXXX XXXX. They have been rude, given false information to me and the creditor numerous times, to the point I've hired a lawyer.
Consumer complaint received 2020-07-22
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. (PA)

I find out that I have 2 accounts on my credit report in which I do not have knowledge of it. I sent a dispute to trans union and XXXX on XX/XX/2020, after XXXX investigation they find out I was right and they delete these two accounts from my credit report. But TransUnion did not respond about these accounts dispute. On XX/XX/2020 I sent another dispute to TransUnion, this time I event sent a copy of deletion from experian as a proof that these accounts doesnt belong to me and must be remove immediately. Because under the FCRA these informations is not 100 % accurate, but TransUnion still refuse to remove the accounts and to respond. I need your help.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TN)

XXXX. 2022 JCPenny CARDS Recently the card company decided to reduce my credit limit on my card resulting to a drop in my credit score. I wasn't given a notice, I have no late payments, theres no outstanding balance on the card, and I used the card over a year ago and paid the balance off. What makes matters worst I called for a credite increase several times with no good explaination. The bank service Synchrony has several accounts with me with high credit limits. But JC Penny refuses to increase my limit.
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance told me they were sending me a form to dispute the 90 day late on my credit report. I have not yet received that form. they reported me 90 days late in XXXX on my credit. This is ridiculous, how can I go from OK to 90 days late? they said I was in a Coronovirus Relief Program. This is not helping me as a consumer. I DEMAND HELP!
Consumer complaint received 2020-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage assumed my home loan from XXXX XXXX. They paid my hazard insurance but failed to send a payment for my flood insurance. I have tried for the past 3 weeks to have them send the premium but still nothing. The money is in the escrow account and all they have to do is send it.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Barclays, Although you have sent me another persons personal information saying its mines, this is another response to a listing on my Credit Report. Its a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. See account below XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (FL)

On XX/XX/2020 I was sent a collection amount of {$330.00}, reference # XXXX, from Tate & Kirlin and Associates, INC. of XXXX, PA, for an Originator Creditor XXXX, account ending in XXXX. When I contact XXXX I am told I have no account with their company and I would have to resolve with the Creditor Tate & Kirlin. Tate & Kirlin have provided no details as to what this account/amount is or how it has originated, however, only seek a payment. I strongly believe this is fraud and harassment to collect a debt of which is definitely not mine! A fraud investigation into Tate & Kirlin is necessary to solve this issue.