davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS was sold to XXXX XXXX XXXX should only have 1 account reported and XXXX XXXX XXXX has been satisfied
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (AZ)

Dear Sir / Madam, I am the owner of an American Express Blue Cash Card for more than 6 months. During this period I have made all my payments on time, infact even paid my dues before time as I always do. 

I have contacted this company numerous time for a legitimate credit line increase from a measly sum of {$1000.00} to XXXX. But they flatly refuse to consider my request on the grounds that XXXX XXXX  credit score is not good enough. Also the low limit of XXXX dollars reflects negatively on my credit score and utilization for which I would rightfully hold American Express responsible. 

Over the last 6 months ( I can provide you the details of hundred of phone calls and app requests later ) the bank as been discourteous, unprofessional and at times discriminatory in their behaviour when it comes to good customers like me. I would kindly request you to intervene and put this one sided dispute to an end.
Consumer complaint received 2020-05-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (TX)

Last month in XXXX I noticed my credit score take a hit. At about the same time I received a past due notice from my mortgage company. Looking into my credit report I had a 30-day late payment from Freedom Mortgage for XXXX. Just one problem, my check cleared the bank before 30 days was up. After numerous attempts to clear this up, I keep getting the same response. It's all my fault. 

I received a notice earlier this year stating I had a $ 400+ shortage on my escrow. I was left with two options. Pay the shortage and my house note stays the same, or do nothing and my house note will be raised accordingly. I chose to do nothing and my house note from XXXX reflected the raise in my house note with the new amount. 

I paid that exact amount but according to Freedom Mortgage, I mailed the check to the wrong address. So since I did that they decided to split my check up and distribute it however they saw fit. They decided to take $ 400+ out and pay the escrow shortage, even though they had already adjusted my house note accordingly, and I'm still confused about what happened to the rest. Either way, my check which was written for the exact amount of my house note was now short and I was now 30 days late. 

Now because of this, I have already had two creditors review my accounts and drop my available credit balances. That will hurt my debt to income ratio and drop my credit score even further. Even if they remove the 30 day late my credit will not bounce back to where it was before this. This may not even be the only 30 day late reported as I am still receiving late notices. This also may set off a chain reaction with all my creditors which it seems to be doing. 

I have spent hours on the phone trying to clear this up. It is a full-time job to get ahold of them and they always hang up on you once and make you go through it again. I have spent 3 hours just to talk to somebody and hear its ' all my fault.
Consumer complaint received 2020-05-08
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX-20, AND XX/XX/XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had called Bank of America at the beginning of XXXX end of XXXX to make stop to all ACHs payments coming out of my business account including a stop to the debit card transactions. In the month of XXXX payments still went through and I incurred more than 200 in nsf/overdraft funds. I contacted the bank which had assured me these will be taken care of. I called at the end of the month to ask for assistance on these charges since they occurred after I had request the freeze in my payments from my account. The denied any assistance in removing these even after covid financial impact on my business
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I financed a car from US Auto Sales on XX/XX/2021, I've been making payments then the company shut down. Now I've been contacted by Westlake financial saying I have to pay them for the vehicle, US Auto Sales did in house financing I didn't sign any paperwork for Westlake financial to get the vehicle. I am stuck in this horrible situation and don't know what to do.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA (TX)

I contacted Apple on XX/XX/23 to conduct a dispute that happened on my old device that my ex used due to me not having access to my other phone that I ended up losing in XXXX, I didnt have access to my banking my XXXX my emails nothing, so I was unaware to see what was taking place. I reported it and they opened a claimed and actually closed the claimed and provided my refund. Now the issue is my XXXX is now locked for suspicious activity, Ive never done anything suspicious and the last person I sent {$20.00} to was my sister and it triggered my account to be locked. So my refund went to a locked account and theyre telling me I cant get it back and that my account is locked indefinitely and I just feel so robbed and lost because I have no idea why they would do that and feel comfortable doing that, I wouldve complied to anything they asked me to do in regards of my account but to completely kick me off without explanation and then keep my money is overly insane, Real life banks doesnt even do that. Hopefully theres something you guys can do to get this done I was referred here by some people in a group chat that said yall were successful in reaching out to Apple to get this done so Id appreciate it
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On the XXXX of XXXX, I request a transfer of funds to PayPal from one of my PayPal accounts to another one, submitting all the necessary documents required. These documents specifically were : A proof of my address in the form of a bank statement, my work permit as a way to confirm my identity and finally my passport. Per the information provided by the customer service, this process at most would take five days to be completed. 

On XX/XX/XXXX, I called to costumer service check up on the process of this transfer as a significant amount of time had already passed. After being told the documents provided were " not enough '', even though they were submitted and met all the requeriments given to me by the PayPal employee, I once again submitted the documents. I was told in the next couple of days I'd have an answer to this issue. 

On XX/XX/XXXX, I communicated once again with costumer service and once again I was told they rejected my documents, stating they were " not in the right format '' even though the format I sent them in was the one instructed by me the customer service representative ( PDF ). Once more I uploaded the documents per their instructions ( now as Pictures ). They were checked by the representative and assured the documents met the requirements and would just be a matter of a couple of days until the transfer was approved. 

On XX/XX/XXXX, I called customer service to know what was the status of the process. Important to note at no point did PayPal communicated with me they were having issues with my documents. Had I not constantly called, this piece of information would have never been shared with me. Speaking with several customer service representatives I was once again told my documents didn't meet their seemingly ever changing requirements and thus my request had been rejected. At this point I uploaded my documents for the 4th time, got assured by the customer representative my request was given an " urgent '' state and thus should progress swiftly and I should have an answer by the next 24 hours. 

On XX/XX/XXXX, I was told by the customer service representative that since I uploaded the documents once again I now had to wait the original five days for them to review my documentation, completely contradicting what I was told just the day before. 

I own both accounts and I need to do the transfer of funds, yet time and time again PayPal and its representatives have put obstacles after obstacles through this process, with no clear requirements for the documentation required, with no apparent guidelines for their representatives as to how this process work and no communication whatsoever on their end with me every time they have rejected and put a stop to my process.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ME)

I have a J Crew credit card through comenity. Earlier this year, after paying off the balance, a low dollar interest charge racked up months in fees- without notice- and I did not notice until my credit score was dinged.

Now, unaware that I had a balance ( zero emails, texts, calls, mail ), I have found out I am late again - only to find out after reporting to the credit bureau.

I have worked very hard and have a perfect payment record except for this unnecessary blemish and am devastated.
Consumer complaint received 2023-09-29
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (HI)

XX/XX/XXXX, XXXX : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.
Consumer complaint received 2020-05-08
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: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX20, AND XX/XX/XXXX20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
Transunion and XXXX and XXXX still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

Im In the process of repairing my credit and this company has been pursuing me to pay a debt. Which, I have no contract with them, not to mention they have accurately responded to my request for validation.This company is in violation and not license to collect in the state of Florida.Ive previously brought this to the attention of Credit Reporting Agencies as well, Ive even recently filed a complaint with  the XXXX  and attorney general. in which, they company lied stating they have resolved my concern. However, I havent heard from anyone plus their in violation. Im requesting for this company to remove this item from my credit.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (SC)

On XX/XX/ a complaint was filed with the Comptroller of the Currency. I was directed to file a Complaint with the CFPB. This Complaint deals with fees that were posted to my Citibank account. The complaint states that Citibank was aware that Scammers had Deposited a Mobile Check to my account. Citibank Closed the account. They opened a new account after review by their fraud department. That later charged my account- {$800.00} for the fraudulent XXXX ( fees ). I told the Comptroller of the Currency I should not be held liable for these fees. Thank you.
Consumer complaint received 2020-05-08
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. (MD)

Experian puts an undue burden on the consumer to temporarily lift a security freeze. One used to be able to temporarily lift a freeze in a few minutes on the Experian website. Now they require you to send all sorts of documentation to Texas through the mail, wait for them to process it, and then I suppose send a snail mail reply that the freeze has been lifted. Why is this? With computers i should be able to do all that I need to do with XXXX to get my HELOC in a few hours, now it will take a few weeks only because of Experian. Every phone number I called XXXX, XXXX, and XXXX is the same and after requesting my social security number the computer gives two options and winds up hanging up. It is not possible to get a person. I did find one that gave me a long list of things to send to Texas but it was so fast that I couldn't write it all down and then it hung up. I was able to get a temporary PIN from Experian but then their website wouldn't recognize it to allow me to temporarily lift the freeze. My guess is that the goals here are either to get people to pay a lot of money for some Experian membership where they get decent treatment or to make security freezes so unwieldy that people will remove them.