davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX of XXXX, I fell on hard times due to the current COVID-19 pandemic accompanied by the passing of my father. The pandemic and passing of my father left me extremely strained emotionally and financially. I had informed Nordstrom Credit Card Services of my ongoing circumstances and asked for all of the late fees for the current year to be waived. I was then met with much resistance. I was also told that my fees could not be waived due to them stopping the waiving of fees back in XXXX of XXXX. This is absolutely ridiculous considering that I have been a cardholder since XXXX and HAVE NEVER made a late payment, but when I truly need some assistance I am given nothing. I am currently a full-time college student as well as working full-time. I would like Nordstrom to remove any and all Late Fees from my account ranging from XX/XX/XXXX thru XX/XX/XXXX. I recently made a payment of {$220.00} to the account to be brought current but was then lied to and told that nothing could be done about the late fees. I am honestly disgusted with Nordstrom credit card, and it is truly appalling that I have to file a formal complaint to just get some sort of proper assistance. After this card is paid off I can assure you that I will no longer give Nordstrom credit card my business.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account I.D . # XXXX Reporting a ( 30 ) day late payment for the month of XX/XX/2023. Inaccurate account has number been late number. 

15 U.S.C. 1681 Section : 602 ( A ) state I have a 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.

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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.
Consumer complaint received 2021-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I closed on the purchase of my home in XX/XX/XXXX. With the economy if XXXX I was able to refinance my home to get a much better rate and payment. After comparisons I chose to refinance with my same lender Cardinal Financial that refinance closed in XX/XX/XXXX. At the end of XXXX I was notified by the county to pay additional supplemental taxes not covered by my lender, which i paid in the amount of XXXX. In XXXX of XXXX I was notified that my house payment would be increased from XXXX toXXXX after an escrow analysis was done on my account due increased taxes. After contacting my company and requesting reanalysis I was notified that my payment would actually be increased from XXXX to XXXX for the remaining 29years left on my home loan and I would need to pay an additional XXXX to my account up to date. The company states during my refinance upon request the county quoted them my property tax at XXXX bi annually but later after closing when the bill came in my property taxes were billed at XXXX bi annually causing the difference. Those wrong numbers were put into my contract by mistake. After contacting the county they state and I have printed proof that my property tax changed in XX/XX/XXXX three months before my closing and the estimate they used of XXXX was only valid from XXXX of XXXX to XXXX of XXXX not through XXXX. Not updating the proper numbers and changing the terms of my loan now has taken any opportunity to continue negotiating before closing or choosing a different lender to refinance with. I believe these actions/inactions breach our negotiated FHA contract.
Consumer complaint received 2022-09-27
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: Bread Financial Holdings, Inc. (MD)

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

On XXXX XXXX I opened a dispute with PNC Bank regarding a transaction I had made in the beginning of XXXX. I had ordered something from XXXX, but had never received the item. I contacted the seller to resolve the issue, to no avail, so I contacted PNC. I received a letter the beginning of XX/XX/2022 that said my dispute was denied, and that I could call to request copies of the documentation used when making their determination. I immediately called to request these documents, because I know it is not possible that they have documents showing that I received something, that I absolutely did not receive. I was told the documents were being sent. About a week later I received a copy of the same letter they had sent me, denying my dispute, nothing else. So I called again, and again I was told they were being sent, again they sent me the letter denying my dispute, nothing else. This pattern has repeated XXXX XXXX XXXX XXXX I have been promised that I would receive my dispute packet and XXXX XXXX they have sent me the letter denying my dispute ; nothing else. During all of this I requested the assistance of a supervisor, I received a call from a woman named XXXX. I have spoken with XXXX multiple times, I was advised by XXXX that I should get in touch with XXXX again to see if they could be of assistance, so I did get in touch with them, this time by texting their customer service. I was told by XXXX that a chargeback WAS PAID to PNC Bank, so they couldn t help me. So if XXXX gave PNC my money back- WHERE IS IT?! I asked XXXX about this and she didn t have an answer. She has continually assured me that I will receive the paperwork that their letter tells me I have the right to request, only to receive a repeat of that same letter. This is beyond frustrating.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

There are several account on alleged credit report. All debt was satisfied with primary notes. According to report the student loan debt continues to be brought by other companies ( credit transfers ) These securities continue to be created repeatedly. This is an/are illegal transitions. Please see 28 USC subsection 3002. This information is false and misleading ( 15 USC Code 1692 ( c ). The fair credit reporting Act subsection 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : states A consumer reporting agency is not required to remove accurate derogatory information form a consumers file, unless the information is outdated under section 605 or can not be varied. There a incorrect address and two SS # on this one account. Also 15 USC Code in its entirety applies to this issue. ( Damaged as per 1692 K ( a ) ( 1 ). ( The transferring of any instrument is a crime : Please also refer to title 16 CFR I ( federal trade commission ) ... in it's entirety. On all credit report from Transunion, XXXX and others that the information is over 10 years old. The report relax other information that is incorrect such as address that were obtained through other reporting agencies. My dispute letter are ignored and never answer. A law suit will be filed and along with exabits and further explanation including information on trade via the SEC.
Consumer complaint received 2021-07-05
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. (AL)

I am a victim of identity theft and my personal information has been used to open several accounts and more attempts made to get credit. I have included the police report & identity theft report. Please permanently delete these things from my credit report.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2020-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX XXXX I was sued by Capital One, I was never served. I had been living at the same address for 5 and a half yrs. during the time of the filing. I only became aware of the judgement when they attempted to garnish my wages. It was a nightmare as well as an embarrassment. My employers Business Mgr. gave me the information, I told her I would take care of it immediately. I called the attorney, XXXX XXXX and paid the amount he gave me. I should have asked for back up information what I was paying for but the judge had already made his judgement. I received a letter from XXXX XXXX confirming that payment had been made. At some point in XXXX I must have accepted an offer for a credit card from Capital One again & I accepted. But confusing things started happening ; like getting emails telling me my card that they said had only a {$450.00} balance, was now over by {$300.00}. The email referenced a card ending in XXXX. I checked and that was my card, but my statements said I had a {$750.00} credit limit. I emailed my confusion but never heard back. I rarely used the card because the interest was very high. I didn't pay much attention to any emails from Capital One as I new I had a XXXX balance and the card was due to expire around the time our house burned down. We lost everything but 3 days later I went back to the house and did a little, careful walk thru just the part that was safe. I tried to find important documents, etc. I was able to collect a few boxes of singed paperwork & a few family photos & military items, that was it. That's where I found the judgement & letter. I've been working on my credit for a few yrs. now. I've tried to contact Capital One by mail. They keep sending monthly summaries for that card that should have expired in XXXX. If they sent out a new card I never received it. I don't think anyone did, but if it wasn't activated why do they keep sending me summaries XXXX which all say {$0.00} balance )? But they are constantly running inquiries on my credit reports, all 3 and I want them to stop. I don't want any credit from Capital One. I haven't applied for anything from them, I don't owe them anything ; I'd like to know if it's legal for Capital One to just keep running inquiries? I have attached all the documents backing up everything I have mentioned here.
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (NV)

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from XXXX  and XXXX  to my requests. I did receive a response from Equifax but not all of my issues were fixed.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXXXXXX 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 2020-12-04
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. (PA)

XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (TX)

The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!
Consumer complaint received 2022-10-13
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. (TX)

The XXXX XXXX account number XXXX. I have disputed this account previously. It was proven to not be my account. This account is reporting negative information about me monthly through Experian and XXXX. Which is inaccurate, unverifiable, invalid. It was last reported on Experian XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. It was last reported on XXXX XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. There can only be XXXX last reported date and one active date which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. XXXX has no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. Please remove this account from my report immediately. Thanks for your help with this matter.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.
Consumer complaint received 2023-01-24
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX 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  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out to report fraudulent personal information linked to my identity. Accounts and transactions have been wrongfully attributed to me, leading to significant distress. I am a victim of identity theft and have reported this incident. Its crucial to address this promptly, as it has negatively affected my finances and reputation. I kindly request your assistance in removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and may pursue legal action to protect my rights. Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2022-06-12
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, XXXX XXXX  Account # XXXX, has violated my rights in the following ways.

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 an account without my written instructions.
Consumer complaint received 2022-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

The realtor has terminated the contract for the XXXX XXXX XXXX IL house. Due to the lender being unable to finalize the loan. XXXX I have to say that I am disappointed in the unprofessional, chaotic way in which this loan was handled. Documents sent, never seem to be put in the correct file. There was a cancellation of file # XXXX that held documents not transferred to the new # XXXX file. Resulting in missing information, or miscommunication of documentation already sent. Then the Appraisal was done when there should have been a recount of documentation first. Causing me to loose my XXXX XXXX dollars towards the purchase, of what looks like a loan that was doomed to be denied. Shouldn't have the XXXX been determined during precertification? Resulting in a waste of time for the Seller, Realtors, and myself.