davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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 (MN)

Last XXXX ( XXXX ) my American Express credit card limit suddenly and unexpectedly lowered from {$7500.00} to {$970.00}. When I called about the error they said it was because I had a " missed payment on another account '' which couldn't be the reason because I hadn't had a missed payment since XXXX - and the account with the missed payment was paid off and closed. They told me I could try and increase my limit again in the future, and it's been a year now and I'm still not able to. There is no longer an option for me to request a credit limit increase. 
I worked so hard to build my credit and address any mistakes when I was younger and this really hit my credit score hard and seemed completely unjustified since there hadn't been a change to my credit in years.
Consumer complaint received 2023-11-24
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. (FL)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXXXXXX
Consumer complaint received 2023-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

XX/XX/XXXX I requested a Lienholder 's Certificate from Select Portfolio Servicing as required by XXXX XXXX in order to get a Boundary Line Elimination on my property. In XXXX of XXXX, I was finally informed from Select Portfolio that I needed to pay {$500.00} for their legal department to process the document and I had to submit a survey of the property with the Boundary Line Elimination proposal a plat of the current property, and I had to purchase XXXX XXXX. Select Portfolio has not delivered the Lienholder 's Certificate as of this date and it has been a year and five months since my initial request. I have called dozens of times for updates, emailed the ombudsman department that is receiving updates from the legal department and have only received the same response- they do not have a projected date of delivery. They will not tell me how long it will take, where I am in the pile, how many people are working on it and why it is taking almost a year and a half. Unfortunately, I can only obtain this document from my mortgage company. And I can not get a much needed Boundary Line Elimination without this document that my mortgage company will not deliver. I'm paying yearly taxes on XXXX tiny little lots that need to be combined, not only for economic reasons, but for the workload it causes XXXX XXXX XXXX Department. Both XXXXhe County and I need this to happen. We can not do a thing until Select Portfolio delivers. Instead, Select Portfolio keeps sending me copies of the title paperwork that I never requested. I received a letter this week from Select Portfolio, dated XX/XX/XXXX. It stated : " In your inquiry, you requested information regarding the title policy. We have enclosed the Policy of Title Insurance. '' I never requested my title. I have only requested a Lienholder 's Certificate. I've spent {$2100.00} on a survey, {$500.00} on Select Portfolio 's processing fee, {$240.00} on XXXX XXXX and I still don't have a simple one page document called a Lienholder 's Certificate that should have been provided nearly a year and a half ago. 

I need to escalate this matter. Please publish this complaint. I have been incredibly patient and now I have to escalate this matter in every conceivable direction.
Consumer complaint received 2022-06-16
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-10-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Slovin & Associates Co., LPA (KY)

I already filed a complaint against Slovin & Associates which was closed. 
I provided feedback but I did not get to also say that Slovin & Associates did not acknowledge that they threatened to put a lien on property that is not even in my name. And this was after I already acknowledged I was willing to pay the debt, but not willing to pay or make double payments. 
Im not willing to make payments on debt that was already paid, there is also documented proof of previous payments made. 
Only part of the debt is actually still owed and its at least 3 years old. That was also not acknowledged in the previous complaintthat previous payments were already made, documented, and they are trying not to acknowledge those. 
Slovin & Associates also made sure to be as carefully, insulting towards me as they could. 
They also sent me further paperwork trying to force me into a payment plan that I cant afford, trying to threaten and force me to pay the full amount that was already paid on, and threaten me with a lien on property that I dont have. I stated I would make payments so I dont understand why threats need to be made. 
They need to be held in check or I fear they could get out of control.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CT)

I tried to fix this with the company on several occasions. They charged late fees when bills were not sent to the correct address and they were not received which is a violation of my rights as a debtor. Also, they reduced my credit limit in retaliation to my complaint. If this is not resolved I will file a summons and complaint in Connecticut, to recoup illegal fees charged when statements were not sent to the correct address after updating it with the company. Please send legal department 's contact information.
Consumer complaint received 2024-11-21
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. (IL)

I recently went to apply for an auto loan and checked my credit report and found that I have been a victim of Identity Theft. I was incarcerated for a long time a while ago and I believe at that time someone got hold to my personal information and has since being using my name to make inquiries and open accounts in my name. I checked my report yesterday and there are currently XXXX fraudulent accounts showing on my credit report and over XXXX inquiries that were made across the XXXX credit bureaus. I will proceed to list the name of the Creditor ; the Account number # ; $ How much the account is for ; the date the account was opened. I will then list the Inquiries the name of the company and the dates they were made. There is an account with XXXX XXXX XXXX # XXXX {$19000.00} opened XXXX ; Applied XXXX XXXX XXXXXXXX {$600.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$390.00} opened XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$750.00} opened XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$300.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} opened XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX {$650.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} opened XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00} opened XXXX. There are also numerous Inquiries Ally Financial on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-06-16
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. (OR)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-20
Product: Credit reporting 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. (CA)

On XX/XX/year> I received my credit report and noticed unauthorized accounts being reported to my consumer report. In the past years, my identity has been stolen and used for someone else 's benefit. Recently my information was leaked according to the credit report agency, XXXX. I have a supporting document, a police report affidavit attached to this complaint. I have a right to privacy and my rights are being violated by these unauthorized accounts. 


Delete this accounts : 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-08-20
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. (AR)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-19
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. (FL)

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 XXXX ; Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2023-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (FL)

I applied for a US business checking account online and got approved. The next morning, I called the customer service number and told them I got approved but didn't receive an email with any account information so that I may set up online enrollment and fund my account. The representative told me I had to wait to receive it in the mail and rudely hung up. A few days past and still nothing. I got an email today telling me my account was closed due to non funding. I called customer service and they told me there's nothing they can do. That is totally unfair! Not only did they close my account, but they also report this activity as suspicious to credit reporting agencies so that other banks don't open an account for me. What US bank did was ridiculously unfair and it's really holding me back from being able to do basic business functions such as payroll.
Consumer complaint received 2022-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Freedom Mortgage bought my loan in XX/XX/2018. From day one I have had nothing but problems with them, ie. recording payments properly miss applying payments to the wrong account. 
I have had converstions with them on more times then I would have cared to, with nothing resolved. 
I have asked for a face to face to resolve the issue but they stated " we dont do that ''. 
I have this all documented with the dates, times, and person Ispoke with. 
They have now filed a foreclosure proceeding against me. I am not in the arrears and I have all my bank statements to prove it. 
I have their statements showing on several different occasions that there was no payment due, I knew this was nor correct and amde the payments anyway. 
Their statements are very confusing and I believe this is intentional, so as to confuse the customer. 
they keep calling and asking me to sign up for a program to get money from the government to pay what they say are arrearage, I did not participate in this because I am not in the arrears, This seems like a scam on their part to get money not due them. 
I am in the process of compling the bank statements and will provide them in a few days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX