davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TX)

After getting approved by XXXX XXXX with a TD Bank joint venture, I have not been able to utilize the credit they gave me after running a hard inquiry anymore. I keep getting an error that my account information is incorrect when it is the finance account is connected to my login and is working. I was able to use the credit twice before but am now not able to utilize it. I have an available balance of over {$1200.00} and the purchase price I am trying to make is below {$1000.00}. I have tried, multiple times, to contact XXXX XXXX with 4 different phone numbers and am never able to get through to a single representative. I have been on hold for more than 30 minutes and sometimes over an hour with no resolve. Their online chat is very rude and hostile with no remedies. The first two purchases were made on XX/XX/2020, and XX/XX/2020. I have made my monthly payments since then. I am completely frustrated with their customer service and feel as though they are practicing fraud by targeting individuals to apply for a finance program that once approved, you can not use.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (IN)

I have Fairway mortgage, and every year they send me a bill for a mortgage shortfall, and every year I pay the difference to keep my monthly payment the same, AND every they receive the check,,, with the coupon,,, and deposit,,, and then proceed to turn me over to debt collection for that amount that was paid from the monthly amount. 
This has become chronic and when you call their so called customer service,,, they can never manage to get someone on the phone to fix the situation!!!
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the covid 19 pandemic my work hours where cut and i was struggling with paying all my bills. Credit cards, House, Car etc. so i had to pick and choose what bills i was paying that month. 

Bank of America card, was hit the hardest i was making my payments all of XXXX, XXXX XXXX is when i started to have issues with paying it. all my cards are now managed by a company and being paid on time. i would like to remove all my late payments for this account as it was due to the pandemic, my account was in good standing before the pandemic and remains to be paid monthly now. 

XXXX XXXX Credit Card, that was paid late due to the pandemic XX/XX/XXXX and XXXX XXXX account was in good standing before pandemic and is currently still getting paid by a dept management company monthly. 


as you can see on my credit report, all bills are no longer being paid late, as the only time i had to pay them late was due to the pandemic. 

Thank you
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I tried to get my credit report to open and access the mysocialsecurity.gov account process. I received a report from two companies but equifax refused to provide me with my annual report. They also blocked my access to register for the social security account that I am entitled to use by law. I called the company and they demanded I send a copy of my driver 's license and social security card. XXXX XXXX advised that I not do this as it opens me up to identity theft. The equifax representatives spoke about my account requiring verification although it has not needed this in past years and they refused to give me any further information such as what triggered this verification need and although I tried through them to get to someone who could tell me why the status was blocked they refused to tell me. 

I filed a complaint with you regarding this and the response was that they could not locate a file for me even though on the phone they indicated that there was one, but they could not access it without copies of my license and social security card - and provided one in the prior year ( s ). So they essentially lied to your agency in their response and to me as well. I do have a credit history as XXXX and XXXX   demonstrated by providing reports from their records. I request that Equifax re-examine their file and provide me with my annual credit report per their federal mandate. I jointly share credit with my spouse and he was also blocked and had to go through several other procedures to access his social security options - including registering for XXXX. We have bank accounts and credit cards and have actively used credit in the past 10 years on a monthly basis. I still maintain that requiring me to send a copy of my social security card and driver 's license is unsafe and unnecessary. I still want CFPB to require them to find my file and send a copy of it to me. If they have " lost '' my information that is a breach that compromises my identity and future benefits in my retirement years and I am entitled to know about that loss/breach of security. I am also entitled to know what organizations have requested information on my credit - which they refused to provide. They also refused to tell me if there was an alert or fraud notice related to my credit. Resolution - provide me the report as requested without my having to provide copies of my driver 's license or social security card. Mail it to either of my addresses - the one I have used for the last four years or the one I have used for the last 20 years - both are still good addresses as I have two homes while I am still working. It will get to me, but it needs to be provided without the present run-around.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

Amex has decrease my credit card limit from XXXX to XXXX without an adverse notice regarding the promotion. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The XXXX covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The XXXX requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The XXXX covers applications for credit as well, along with requests for credit limit increases on existing accounts.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 
XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST XXXX XXXX AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (NY)

I HAVE RECENTLY BEEN DENIED CREDIT ON SEVERAL OCCASIONS BECAUSE XXXX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE TRIED TO DISPUTE THIS INACCURATE INFORMATION WITH XXXX. XXXX HAS REFUSED TO CORRECT THIS INACCURACY. I HAVE SENT A DIRECT LETTER OF DISPUTE BY CERTIFIED MAIL WITH SIGNATURE DELIVERY ACCEPTANCE TO THE FURNISHER OF THIS DATA SINCE XX/XX/XXXX WHICH I HAVE ATTACHED TO THIS COMPLAINT AND THE FURNISHER OF THIS DATA HAS REFUSED TO RESPOND TO MY DISPUTE. XXXX IS VIOLATING MY RIGHTS BECAUSE THEY SEE ME AS THE SMALL GUY TO BULLY. 

XXXX XXXX XXXXF XXXX XXXX XXXX : XXXX BALANCE : {$7700.00} - - - XXXX XXXX XXXX XXXX XXXX CT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CHILD SUPPORT Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status >Account 120 Days Past Due Date< Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX THIS INNACURATE INFORMATION NEEDS TO BE DELETED.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items 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 COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


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
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This Kohls credit card account says on my credit report that its Capital One. Capital One has no record of it. Kohls has not record of it. How in the world do you handle misleading information? So unprofessional. This is fraud. I do not owe Kohls or Capital One for this on my Credit Reports. Careless use of my personal information. Inaccurate credit reporting on my credit report. No information provided and I was never notified of this.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please. Thank you
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXXPLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have requested Experian to fix this issue several times and they continue to ignore my request. These inaccurate reports are damaging my credit score that is extremely stressful, embarrassing, and this is causing financial harm to me and my family. Even if I have been disputing these accounts since XXXX and they do not care to continue to report the way they wanted it to not following my FCRA right. The items I have identified are : XXXX XXXX XXXX. First Reported date was changed from XX/XX/XXXX after dispute they reported XX/XX/XXXX how are they still changing, they never performed a full investigation. 
2. Credit limit not reported - missing incomplete 3. Terms, not reported- missing incomplete 4.  Inaccurate high balance- only balance listed is XXXX 5. Date scheduled to keep on record was changed.. they 1st said that the account SOL is on XX/XX/XXXX after dispute they changed it to XX/XX/XXXX. 
6. How can I verify the SOL of the account if only one information provided on the payment history. 
US DEPT ED- XXXX 1. The tax return was garnished to pay this debt. why is it not reflecting? Reporting inaccurately XXXX XXXX 1. Incomplete reporting. The payments from XXXX, XXXX, and XXXX of XXXX are missing. This is score manipulation because there were on-time payments being omitted. This omission of fact is a violation. 
2. The date of payment received is updated BUT there is an " ND '' listed in that field instead of figured. 
I am requesting that this item be deleted in order to adequately reflect my true credit history.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (TX)

DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX Inquiry - New Inquiry - Experian XX/XX/XXXX XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (VA)

I asked this company for a debt validation letter, which I have never received. They call me 4 times a day EVERY DAY. They call my work phone twice a day and my cell phone twice a day. They call from a Maryland number but as far as I know, they are not located in Maryland. I have asked them to stop calling my work. This is a violation and they continue to do it. They are harassing me even after I asked them to stop.
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I received a letter the first week of XXXX indicating that I had a {$2400.00} shortfall on my mortgage. This money had to be received by XX/XX/XXXX or my mortgage would increase. After being on hold and transferred 2 1/2 hours, I explained that I needed to maintain my current mortgage to maintain my home and I was prepared to send in the shortfall and an extra amount and would have it paid by XX/XX/XXXX. Prior to finally speaking to someone, I asked if someone could called me and was told they dont make outside calls. After getting absolutely no cooperation, I mailed in a check for {$3000.00} and it was deducted from my checking account on XX/XX/XXXX. I received a letter dated XX/XX/XXXX indicating that my mortgage will be increased to {$1700.00}. How was my mortgage increased, prior to the date it was due? I previously emailed them in an attempt to discuss this issue, but received no reply and they dont make outside calls. What company makes no outside calls to their customers?
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
EXPERIAN XXXX XXXX XXXXXXXX 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]