davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (WA)

In XXXX I made my payment to early and it created a 30day day late. When I called to ask why XXXX did not notify me by phone or in writing that I was late. I was told that due to I had E-Statements they only send an email. I never seen a email from XXXX, it may have went to my junk email or was deleted thinking it was advertisement. 

To correct the issue I removed myself off E-statements so if this happened in the future I would be contacted via phone or mail. In fact I think email should not be allowed. 

XXXX corrected the issue by adjusting my payment and refunded the fees and interest charges. - When I check my credit report the late fee had been removed. 

Forward to XXXX - checking my credit report and I see a 30day from XXXX in XXXX. I call XXXX they state I would need to re-dispute in writing, I sent my dispute in writing with a copy of the letter they sent me on XX/XX/XXXX. 
Letter Stated : Good news - I've credited your account to resolve this dispute. The credit cover the XXXX you disputed as well as any applicable fees and interest charged. You'll see the credit on your next statement. I'm Glad I could take care of this for you. 
Thanks XXXX XXXX XXXX XXXX XXXX ext XXXX. 

My New dispute was declined - - It is rejected stating the only fixed the payment and that late payment will stand. They also stated they XXXX has a right to send late payment notification to email. 

XXXX only keeps there statement online going back to a few months- so I was not able to get the corrected statement. - Nor did XXXX provide documentation. 


I would like target to remove my only late payment with them in XXXX. There Good News letter was misleading as a consumer.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

I have been scammed and I had fraud charges on my bank account with Us Bank. I disputed charges as fraud, US bank credited my account but later recharged amounts again. Us Bank did not protect my account from fraud charges, Us Bank charged me for fraud charges and reported me as abuse. 
Provide evidence of abuse, provide evidence of charges made by me, otherwise delete this information from my credit report
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

Today XX/XX/19 Several bills on my account Online recovery have placed several bills on my credit report I called them about it and gave them the account number that they asked for. They responded with another name which wasnt my name. I informed them that it wasnt me they then threaten me to give them all my information I refused because each Acct number that I gave them did not reflect my name in any way form or fashion wasnt even close to my name. I asked them to removed it. It was not me or my bill I dont have a clue of who these people are nor the bill or doctor..they then proceeded to use scare tactic toward ls me to try and make me give them my ssn and name I refused again Pls help me get these accounts off of my credit
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I WANT TO SAVE MY HOME I AM BEING PLAYED WITH IF THE LENDING COMPANY DOES NOT WANT TO HELP AND TAKE RESPONSIBILITY THEN I NEED TO SEEK LEGAL ADVICE FOR FILING BANKRUPCTY! THIS LENDER HAS BEEN PLAYING GAMES WITH THE MODIFICATION SINCE LAST YEAR AND IT ROLLED OVER TO 2019 I JUST WANT MY MODIFICATION PLEASE STOP! I HAVE ALL THE RECORED CONVERSATIONS WITH SUPERVISORS -MANAGERS AND THEY EVEN SAID THAT A NEW TRIAL MODIFICATION WILL GO OUT
Consumer complaint received 2019-10-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My credit line started a {$2400.00} and has been decreased 2 times since opening the card. The 1st time It was reduced to {$1700.00} and I have never paid Bank of America late or any cards late since the approval. Of late I paid or reduced the balance from {$1600.00} to {$40.00} along with paying approximately {$7000.00} off in other bills. My credit score is higher than it was when they approved me for the card. After paying the bill down to nearly {$40.00} they reduced my limit to {$500.00}. They never provide an increase as promised. I do believe XXXX XXXX  are treated differently! This has a serious impact to my credit score which is affecting my overall credit score.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX  XXXX conspired with Experian to downgrade my credit score to XXXX to cover up discriminating nature of rejected application. 

The Experian report listed negative non-measurable, non-numerical, non-defined verbal parameters that must be reflected in the credit score : " Too many inquiries last 12 months Time since most recent account opening is too short Amount owed on revolving accounts is too high Length of time revolving accounts have been established ''. 
See attached XXXX XXXX has my credit score as XXXX. 
See attached document XXXXXXXX. 
XXXX have my score as XXXX. See attached document XXXX 

That was happened twice when I applied for XXXX XXXX XXXX  credit card while my credit score was well above XXXX. See attached documents XXXX and XXXX
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC (KY)

When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.

The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/2021. 
Learn more about the Debt Collection Rule and your debt collection rights. 
Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

Whether or not you have a debt in collection, its important to frequently check your credit reports for accuracy. If you think a debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA, you can submit a complaint with the CFPB online or by calling ( 855 ) 411-CFPB ( 2372 ).
Consumer complaint received 2022-12-20
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)

Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. XXXX, Transunion and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2020-05-07
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. (IL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2020-11-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00} {$8500.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-03-23
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. (IL)

IL Dept of Healthcare and Family Services Division of Child Support Services XXXX XXXX XXXX HFS  XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verfiod correctly. My credit report is still showing Inaccuracies, 15 U.S.C. 1681s 2 ( AX1 ) A person shall not fumish any information relating to a consu nor is an / consumer reporting agency if the person knows or has reasonablo cause to beieve that the information is inaccurate,
Consumer complaint received 2024-08-05
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. (KY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 
I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ) Notification of the correction to any person who has received my credit report the past sixmonthsI expect a written response within the next 30 days. If this situation is adequately resolved, I Will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2020-11-09
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. (MN)

The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX  for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX  XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2024-08-05
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. (KY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ) Notification of the correction to any person who has received my credit report the past sixmonthsI expect a written response within the next 30 days. If this situation is adequately resolved, I Will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

This is coming up on six months now trying to get refinanced. I knew all along they would never do it as the are always requesting the same documents over and over. Some as much as ten times! They also had me pay for two house appraisals. They also did a hard pull on my credit 3 times against my wishes. They lowered my credit score by over 30 points down to XXXX just from the repeated inquiries. They wasted my time and money with no intent on refinancing ever. They see that I have everything paid and paid on time and never any late payments. They see that I have very little debt ( cars ) and yet they still won't re-finance. I have been led on this entire 5 + months and I am always calling and emailing them. I've had several different agents and contacts just to try and confuse me. It is not fair for a bank to take my money and lie to me about getting my house refinanced and string me along for almost 6 months. That is shameful. They should not be in the business of taking peoples valuable time and money to benefit their bottom line.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary CAINE AND WEINER IS NOT LICENSED IN MY STATE 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have send certified letters to Cain & Weiner multiple times also credit agencies trans, XXXX, XXXX on XX/XX/2022, XXXX, XX/XX/2022, XX/XX/2022
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: CURO Intermediate Holdings (MI)

I open this account in XX/XX/2015 I borrowed only almost {$700.00}. The balance is {$2100.00} in which is far to high. Please help me dispute this amount. I did not know this account went into collections, no one has tried to contact me about this account.
Consumer complaint received 2022-12-20
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose