davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked for an examination of the challenged account, which the 3 Credit Bureaus said was verified, in writing on XX/XX/2022. I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about this specific account in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian, and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Here is the list of erroneous account found in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (NJ)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 XXXX 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I received a notification from Experian that they would NOT honor my request to block certain negative information in my file that MAY be a result of Identity theft. I am an Identity Theft Victim and someone used my social security number to file a Tax Return. I submitted this letter, along with the Identity Theft affidavit, the items circled, and my ID and proof of address to Experian and they said that they would not block the items because there was no police report attached in accordance with the FCRA. I have a copy of the FCRA and there's nothing under 605B ( a ) that discusses that a police report is required. 

In addition, Experian has chosen to not honor my requests in XXXX, XXXX and XXXX to supply certification of Metro2 compliance. They send " canned '' responses like " Verified, '' or " Furnisher certified that information is correct. '' They did, however, remove 3 negative accounts : XXXX ; XXXX and XXXX XXXX  from my account. Under Metro2 Compliance, I would like certification that these removals have been shared with the other Credit Bureaus as required under Metro 2.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

My account is with BSI FINANCIAL # XXXX I have been having ongoing problems with them trying to increase my payment in multiple ways. 
I recently noticed that they added a coded charge to my account I called BSI to inquire about the charge and they explained that the charge was placed because I needed an additional XXXX coverage on my Flood Insurance policy. 
My current coverage through my insurance company is XXXX which I carried on my loan before BSI bought the loan of XXXX my balance is now XXXX I also have concerns about about their interest charges are higher than the corresponding values on the balance on the loan according to the amortization table I will be happy to provide you any required information Thank You XXXX XXXX XXXX XXXX XXXX XXXX Court XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX COMP, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
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. (CA)

I've been disputing some negative accounts on my credit report for almost a year and they still haven't been eliminated, I need some kind of answer with my case
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: TradeStation Group, Inc. (CA)

I had previously attempted to resolve this dispute with TradeStation directly to no avail. I had a recently closed CFPB complaint which also ended in a denial. To summarize the situation : I satisfied the deposit and duration requirements and yet Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate securities account. Escalated, provided a screenshot of their own terms and conditions with no success.

Within days of the above complaint being closed I realized TradeStation altered their terms for the promotion. I contacted a helpful CFPB representative who informed me that I am welcome to file a new dispute if there is any " new information. '' Indeed, there is an update to this saga so here I am.

I will attach two files- one labeled " old terms '' and one " new terms. '' OLD TERMS : " Existing TradeStation Crypto clients are not eligible for this offer. This offer can not be combined with any other offers. Only one offer/reward is available per client on one qualifying account. '' NEW TERMS : " Existing TradeStation clients ( whether a client of TradeStation Crypto or Tradestation Securities ) are not eligible for this offer. This offer can not be combined with any other offers from TradeStation companies ( whether the offer was from TradeStation Crypto or from TradeStation Securities ). For example, a client who has previously received the benefit of a promotional offer from a Tradestation company is not eligible for this promotional offer because that client is an existying TradeStation client. Only one offer/reward is available per client on one qualifying account. '' Can you see the difference in clarity? Definitely necessary when you're providing two different products and two different promotions ( securities and crypto ).

When I applied under the old terms I was not an existing crypto client. A crypto account and a brokerage account are NOT the same therefore I'm not combining with any other offers. The fact that tradestation has two legal entities- one for crypto and one for securities - furthers this point. The old terms are as vague as the new terms are clear.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

Experian : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (PA)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is discrimination! YOU BROKE THE LAW!! 
Dear Navy federal credit union On ( XX/XX/XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XX/XX/XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under.

1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. 
Extend me the credit I applied for! 
Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. 
This letter is also being CC-To the CFPB and CC- To the attorney general.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation gatherer hasn't given confirmation that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient verification and a duplicate of a printout bill isn't confirmation this is influencing my capacity to get another home. I don't have the foggiest idea why I'm being dealt with this way.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-06-14
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. (TX)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (MN)

My mortgage was originally a XXXX -- it was sold to a Mortgage Servicer Gregory Funding last XXXX of XXXX. 
During this time the Mortgage was under a Forbearance due to COVID. 
In XXXX of XXXX I sent in a Modification Request -- after a series of back and forth where they asked for additional information ( which I supplied ) As of Today ( XX/XX/XXXX ) they have not responded with any answer on this Modification Request. 
What are my rights? 

Thanks so much for your assistance! XXXX XXXX Mortgage Information : Gregory Funding
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

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 719XXXX has me at a score around 590. 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I opened an account with Pentagon Federal Credit Union on XXXX XX/XX/2022 and a subsequent hold on XXXX XX/XX/2022 was placed on the account by the bank 's fraud department. The following documents were sent to the bank on XXXX XX/XX/2022 to verify identity : 1 ) Photo copy of Social Security Card, 2 ) photo copy of Driver 's license 3 ) Photo Copy of Vehicle Registration. 

To this date ( XXXX XX/XX/2022 ), I am unable to access my funds totaling approximately {$15000.00}. I need these funds to pay my bills.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In early XXXX I had XXXX credit card with a perfect credit history and a score that was near excellent ( XXXX ). In order to improve my score further I was told by multiple sources that needed to wait for 6 months to apply for a second credit card. I was also told by those sources and multiple internet searches informed me that I could expect a temporary drop in my score of XXXX to XXXX points. I could deal with that. Shortly after XXXX XXXX approved me for a {$1000.00} credit line I noticed a huge drop in my TransUnion score although nothing else had blemished my credit history. Prior to this date my TransUnion, XXXX, and XXXX scores were all similar. Afterward, the XXXX and XXXX scores dropped temporarily by XXXX to XXXX points. My TransUnion score dropped nearly XXXX points and after 3 months of low charges and quick payoffs it has barely improved. I have contacted TransUnion more than once to learn why they destroyed my credit score yet show I have a perfect track record. They refuse to respond. Please investigate this agency for me immediately. My TransUnion score is now approximately back where it was prior to my applying for my first credit card FOR NO REASON. I have worked my XXXX off to improve this credit score after paying off past debt and I refuse to believe that the 3 credit bureaus have no one to hold them accountable for what is obviously gross negligence.