davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (CA)

Im writing to you because I have been having issues with all 3 credit card reporting agencies. XXXX bank credit card erroneously put 2 late payments on my report. One for XXXX, XXXX, and another for XXXX, XXXX. I called XXXX toll-free number to let them know of this issue and they told me that they do not show any late payments for XXXX, and XXXX of XXXX. My XXXX card was used fraudulently last year, so my credit card was replaced with a new number. My only guess is that maybe since my credit card number changed, only the old credit card number would show the late payments, but the XXXX representatives said that should not be an issue. 

I have been trying to get this straightened out with XXXX XXXX, Experian, and XXXX since XXXX  but they wont fix the issue. I have been filing dispute after dispute with all 3 agencies, with the help of a XXXX XXXX XXXX representative that works for XXXX to no avail. XXXX is part of Experian. I am trying to get credit for a balance transfer to pay off my large debt but the slow-acting, and unhelpful nature of all three credit reporting agencies is preventing me from doing so. The two erroneous late payments shown on my credit reports for XXXX, and XXXX of XXXX  should not be there. Those two late payments are marring my otherwise perfect credit. 
If you need to contact the XXXX credit monitoring representative, his name is XXXX XXXX, and his number is XXXX, extension XXXX. The case number is : XXXX Can you please contact them and get them to fix the issue that has been going on since last year? At this point I dont know where to turn for help. I hope you are able to get this matter resolved. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Credit Limit : {$5300.00} XXXX High Balance : {$7600.00} XXXX Balance is presently : {$0.00}
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I currently have 7 hard inquiries on my TransUnion credit report that were not authorized by myself in relation to obtaining a mortgage. This is fraudulent information. I have contacted TransUnion in relation to this via telephone to no avail. I also sent off a 609 letter dispute letter via US certified mail asking for information being held by Transunion that shows original application/authorization from myself to initiate these inquiries, and received no response within the 30 day FCRA guideline. I also sent a demand to comply letter as a follow up to this issue to no avail.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NY)

Hello how are you I have the knowledge I own almost XXXX XXXX dollars for at chase bank and I paid o ready but this people garnish my account again at work the XXXX time for same amount and never received a paid off later the 2 times o ready pay this people go to my account take it the money XXXX time XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. 
It's a bait and switch. 
The companies of these credit cards are paying Experian to push their XXXX/high-interest rates cards. 
The credit card company then pays Experian for placing preapproved credit cards on their site. 
Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! 
Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? 
Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. 
If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Sincerely, XXXX XXXX. A poor consumer.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (FL)

I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX  XXXX XXXX and XXXX. I'm asking for a resolution, to help me out to be able to open a bank account. It's not XXXX, XXXX, XXXX, it's not any other company preventing me from getting my life together.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

Set-up XXXX auto-pay which was working well. Then tried to make an extra payment for $ XXXX on XXXX. XXXX applied it to XXXX statement - and payment took precedent over my full auto-payment. Realized the issue on XXXX and made full statement payment. Spoke with agent after got hit with {$200.00} interest charge on XX/XX/XXXX. XXXX said XXXX would investigate the issue and I'd get response with 7-10 days. Expressed concern that I'd get additional interest charges. She said to call back if that happened. It happened! Never heard from XXXX via phone, email, text message. Just got more interest charges. Continued to payoff statement balance and got hit with another interest charges for {$230.00} on XX/XX/XXXX. Spoke with agent on XX/XX/XXXX, he had no ability for resolution. Said I'd get a call from XXXX to resolve. Already been down that road. Reaching out to you for help. I'm paying my statement balance each month and XXXX is still hitting me with ridiculous interest charges
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am XXXX that you have included the information below in my credit profile and that you 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.
Consumer complaint received 2022-07-21
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. (ND)

Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and XXXX credit report. Incorrect inquiries on my XXXX is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (AZ)

I have filed an FTC Report for the infringement upon my privacy and I demand deletion of these accounts in pursuant to 15 usc 1681c-2 block of information resulting identity theft.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

A previous complaint -- that was resolved via an apology letter from Rocket Mortgage -- concerned harassing calls and emails around the first of the year trying to get me to refinance my home when I didn't want to. 

Today I received another letter from Rocket Mortgage ( signed by a XXXX XXXX XXXX and dated XX/XX/31 ) telling me that my application for a home loan was being denied and that my credit history was the primary issue. I have numerous complaints. 
XXXX. I never made an application that could be denied. XXXX XXXX made up the request. 
XXXX. My present XXXX score is XXXX ; I doubt that constitutes a weak credit history on any scale. 
XXXX, The letter states that my mortgage banker should already have " had a conversation '' about the fictional denial. I never had a mortgage banker for this alleged loan request ( # XXXX ). And I never had a conversation with any one about any request. 

This is the third time Rocket Mortgage has made false statements about mortgage requests from me. The previous two times -- subjects of two separate complaints -- were addressed, though without stopping any bad practices. 

I do have a mortgage that is handled by Rocket. I am not unhappy with their handling of that mortgage. But I have no intentions of refinancing it. This continued inappropriate contacts must stop.
Consumer complaint received 2022-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you 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.
Consumer complaint received 2022-07-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you 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.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

acct number # XXXX, Capital One N.A. 

I, the Consumer, and natural person, had their credit card account closed by CAPITAL ONE when I mailed legal tender under U.C.C. 3-603. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in Title 15 U.S. Code 1691c and is pursuant to civil liability under Title 15 U.S. Code 1692k. You are subject to criminally liability for violation Title 15 U.S. Code 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. CAPITAL ONE is in violation of Title 15 U.S. Code 1642, U.S. Code 1681m, UCC 3-603 and 12 CFR 1002 because I, the Consumer, made a legal tender payment in good faith, but credit to my account was not issued. CAPITAL ONE is in violation of Title 12 CFR 1026.11 ( b ) ( XXXX ) - ( XXXX ). Your company can not close my account due to the fact I incurred a finance charge. My account was not inactive for more than XXXX months. There was no need to close my account.Furthermore, because my social security number ( credit card ) was used, and my account was funded via my XXXX XXXX XXXX I should receive ongoing credit on behalf of CAPITAL ONE XXXX
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BTH Management (SC)

I was contacted by Plaza Services , LLC on XX/XX/2022 about an alleged debt. It was identified as a line of credit with XXXX. I was notified by the company that I had until XX/XX/2022 to dispute the debt. I sent a dispute letter via XXXX and it was delivered on XX/XX/2022 at XXXX. I called the company on XX/XX/2022 to confirm that my dispute letter had been received and that the account had been updated to show a disputed status. I spoke with XXXX ( expenditure number XXXX ) and XXXX confirmed that my dispute letter had been received and that the account is in a dispute status. Here 's where the first issue is. XXXX asked me what information I asked for in my dispute. I listed everything that I asked for in my dispute letter and XXXX said that " they do not have that information ''. Therefore, the company does not have the required information to prove who the owner of the debt is. This takes me to my second issue. The same day that I spoke with XXXX and confirmed that my dispute letter had been received and my account was in a disputed status, I received an email from the company trying to collect the debt. A debt collector may not continue to attempt to collect a debt while an account is being disputed and they haven't provided the information to prove who the owner of the debt is. This is a clear violation of the law and my rights as a consumer.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc. (FL)

On XXXX I received a text message from CCS attempting to collect a debt. The message was received while I was at work which was a very inconvenient hour for me. Pursuant 15 USC 1692b ( 5 ) it is unlawful communicate personal business matters that reveal a debt is involved through the text contents. That was a violation of my privacy and has undermined my confidence in Credit Collection Services ability to operate fairly and lawfully. That was the fourth text message the company has sent to my companies device. I called the company to get a better understanding of the alleged debt so that we can validate the accuracy over the phone. The agent informed me I had two accounts that had been placed on their office for the purpose of coercing payment. I told the phone rep I wanted validation and she stated they could mail the validation. CCS has been reporting late payments on a closed out account from XXXX with the original creditor XXXX. CCS has willfully disregarded the title law 15 USC 1692b ( 5 ) on countless occasions. From written notices containing they are a debt collector, to the envelopes being violation by displaying the companies name which confirms the contents at hand are coming form a debt collector. I am requesting CCS govern according to the FDCPA because they have identified as a third party collector through every medium of communication we shared in common.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

Since XX/XX/2021 I have submitted over 3 disputes with XXXXXXXX & Santander Consumer, USA for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & Santander Consumer , USA violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to Santander 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (OR)

My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company murdered my consumer profile denying my credit because of unauthorized inquiries. On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. None of my request have not being honored. XXXX is declining to sent any document signed by me approving this inquires. Thank you.
Consumer complaint received 2020-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Seven years ago I was having a difficult time paying for student loans. I was informed by sallie mae/ navient to consolidate the loans and get on the income based repayment plan to get the loans forgiven and after 120 consecutive payments the loan would be forgiven because I was a XXXX. At the time I had already been XXXX 7 years and was not given information about my loans being forgiven for public service without consolidating them. I wasnt informed that my clock was going to restart if I consolidate. I was even recently informed that I could consolidate a parent plus and help with my payments and again was not told that if I did that my clock would start over. I stated it to the rep and she said well yes it would. I said to her why would you not share that before trying to get me to do it. She stated we dont volunteer that information. I believe that this needs to be shared my loan continues to go up if I was informed of this 7 years ago I would have never consolidate and would be out of student loan debt
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Arias Bosinger (TN)

The Preserves at XXXX XXXX XXXX XXXX XXXX, through and by their attorney XXXX XXXX, with fraud upon the XXXX XXXX XXXX obtain a summary judgment and sold my home at auction on XX/XX/2022 without the proper procedural manner. I was never served any notice of lien or notice of intent to default. Now they have alleged to have purchased the property at auction and I still have not received all the notification I am required through due process to respond in a timely fashion. I believe that there is fraud with that organization and the courts help them. I would like a full investigation is due and they never had any legal interest in the home and that the original note and mortgage with the alleged mortgage company XXXX XXXX is also fraudulant.
Consumer complaint received 2020-08-04
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. (FL)

Experian XXXX  XXXX  XXXX  and XXXX XXXX  Also inquirys on all 3 cresit reports that has expired they have not remove onve account with XXXX  on my credit for a loan amount of XXXX had been paid off and in full the other amount for XXXX also was on there inaccurate never got that money from them they still reporting it was accurate have a email from XXXX  coperate supervisor saying they dont send proof of it been paid off they send emails i have proof of that as well all this happen from XX/XX/XXXX til today XX/XX/XXXX the. All 3 credit reprting agency will not dispute my debt with XXXX  XXXX  and remove it off my credit it was paid in full its hard to get them people on the phone with all 3 reporting agencies they messed my credit score up not giving proper credit to me for inquires being remove n wont dispute credit inquirys im unaware of my last four of ss # XXXX
Consumer complaint received 2022-07-21
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. (OR)

My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company murdered my consumer profile denying my credit because of unauthorized inquiries. On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022, on report third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. None of my request have not being honored. Experian is declining to sent any document signed by me approving this inquires. Thank you.