davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXX XXXX XXXX Status XXXX Discharged Date Filed/Reported:XXXX Reference # XXXX Closing Date:XX/XX/XXXX Asset Amount : {$0.00} Court : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Liability : {$0.00} Exempt Amount : {$0.00} XXXX5 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 2022-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CT)

Southwest Credit Systems ( The DebXXXX Collector ) record on my credit file was previously disputed by me multiple times. XXXX. ) The Debt Collectors deliberate misrepresentation of the debt that was in dispute more specifically the changing of the Date Opened from the date originally on file to effectually report the debt as current. 
XXXX. ) The Debt Collectors deliberate misrepresentation of the amount of the debt evidenced by the random increase in the debt by {$1.00} and subsequently reducing of the same by {$1.00} in less than a month. Example of one harmful effect to credit file The percentage of your accounts always paid on time has decreased by 4 % quoted directly from the report subsequent to the manipulation significantly reducing my credit score. 
Detailed Letter and Images will be attached.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been working with a loan rep, XXXX XXXX. I contacted her supervisor XXXX XXXX and his supervisor, XXXX XXXX, regarding lending practices and both have not responded to my multiple emails and calls. I have a complaint with the process and how it is being handled. 

BOA promotes this XXXX program for first time home buyers which drew me to them, as well as I have been a customer since XXXX. Initially I was approved, but when it got closer to closing, I began to receive inconsistent information and told I do not qualify for the XXXX and they want me to put more money down. I was initially told BOA looks at the XXXX most recent years tax returns and takes the average over those XXXX years to determine my annual income. At first, BOA looked at XXXX and I was told I DID qualify for the XXXXXXXX XXXX XXXX XXXX, but they wanted me to put more money down because my self-employment income was too low ( but the debt did not exceed 80 % XXXX ) and they would not consider my XXXX income. Then I was told they would review XXXX and XXXX. I was told they would not use the XXXX tax return because there is an extension filed and I will need to file the return and pay the amount due. Although, I made a payment on my tax balance to the IRS with my extension filed, they would not consider it. The XXXX tax return reflects the income was sufficient to qualify for the XXXX and 3 % down, however, they chose to disqualify me. Now, I am being told, they will only consider my income for XXXX based on my XXXX XXXX XXXX  ONLY or tentative profit and not net profit, which considers all my expenses. They stated they will disregard ALL the tax returns altogether. It is convenient that the XXXX & XXXX statement shows a net profit that disqualifies me altogether by $ XXXX, so they have decided to use that only and not my tax return which accounts for self-employment tax, home and auto expenses which are not included on the XXXX & XXXX. BOA refuses to show me their guidelines and criteria reviewed for self-employed income as I have requested and they can not explain why, in my situation, they have constantly changed the reasons for approval/disapproval for the XXXX. If the policy is to average the 2 most recent tax returns, show me where it has changed. Also, since they have chosen to use my XXXX XXXX  XXXX, why aren't they accounting for all my expenses. 

My perception of this " process '' is that they are selecting the criteria they want in order to disqualify me for the XXXX money and want to get me to pay them more money out of my pocket. I have attempted on several occasions to try to get clarity and as a result, today, they removed my application altogether with no explanation. 

I am asking for someone to specifically answer my question with the documented policy on review of self-employment income to determine mortgage loan eligibility.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc. (MO)

This complaint is in reference to an email that I received on XX/XX/2021 stating that my credit card account will be terminated if a payment is not made. I must first start off by saying that is fraudulent. Pursuant to 15 U.S. Code 1602 ( j ), this card is supposed to be an open-end consumer credit plan, which leads to the billing errors ( see attachment labeled EXHIBIT B ) Pursuant to 15 U.S. Code 1666 ( b ) ( 1 ). This is false and misleading ( 15 U.S. Code 1692e ( 2 ) ( A ) ) being that the balance is reflecting in a positive amount ( see EXHIBIT A ) when in FACT it should reflect in a negative amount. The statement also states that there is a payment due, how can a payment be due in an open-end consumer credit plan? This constitutes as unauthorized use pursuant to 15 U.S. Code 1602 ( p ), if I use my card and have to pay it off, it serves me no benefit which means you are misusing my actual credit card ( SSN ). Again, that is false and misleading. I am a consumer and owe no allege debt. Also, pursuant to 15 U.S. Code 1637 ( a ) ( 1-3 ), you are required to give disclosures as to how your rates are calculated and not just a number. According to the statement labeled EXHIBIT A, there is an APR associated with my, Self visa card. This means that there is a finance charge associated with the card, which means a security deposit was fraud because pursuant to 15 U.S. Code 1605 ( a ), The finance charge does not include charges of a type payable in a comparable cash transaction.
Consumer complaint received 2023-12-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Glasser and Glasser, PLC (VA)

XXXX XXXX XXXX XXXX dba Attorney at Glasser and Glasser P.L.C. has been alerted that they were interfering with a billing dispute with XXXX XXXX XXXX XXXX. All correspondence has been ignored. No contract exists between XXXX and XXXX XXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from XXXX XXXX XXXX XXXX. They were also informed that they are interfering in a XXXX matter. 
A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via XXXX mail. 
XXXX XXXX XXXX XXXX and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just XXXX months after my closing for making false statements to Federal agents for real estate matters. XXXX months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. 
Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for Glasser and Glasser P.L.C. have notified to Cease and Desist collection efforts. 
XXXX XXXX XXXX XXXX XXXX dba Chief XXXX XXXX, XXXX XXXX XXXX Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX of 2021, I had been searching for credit cards with good Welcome Offers since I had big purchases coming up. On XXXX XXXX, 2021, I noticed a great promotion for an American Express Gold Card. I returned to the website on XXXX XXXX, 2021, and saw the same promotion - spend {$4000.00} in 6 months, and receive 75,000 bonus points. However, American Express is now claiming that the offer is to spend {$5000.00} in 3 months. I contacted American Express ( Customer Service Rep : XXXX, XXXX XXXX XXXX ), and they haven't provided any proof of the latter offer. Nonetheless, I obviously did not take a screenshot of the promotion the day I signed up. But a basic web archive search confirms the promotion that I signed up for. I would not have been able to spend {$5000.00} in 3 months, and I know for a fact that it was {$4000.00} in 6 months since it would give me more time to meet the bonus offer. I'm honestly shocked that American Express would suddenly change my offer after I had signed up. I definitely did not receive proof of the bonus offer with my Cardmember Agreement, as they claim.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF HAWAII CORPORATION (HI)

On XX/XX/XXXX I received a secure email message from Bank of Hawaii promising to reverse at least three ( 3 ) {$30.00} NSF fees from an earlier issue that brought that account negative. 
The bank did not reverse the fees as promised and the account remained negative and eventually charged off. The way that the balance was zeroed out upon the execution of the errant charge off made me believe that they were correcting the fees as they had promised earlier. 
A few weeks later I received a letter from their recovery department for the account in question ( # XXXX ) demanding the principal and fees balance, to my utter surprise, of at least {$91.00}. 

My account shouldnt have remained negative since they had promised to remove at least three {$30.00} fees and it shouldnt have charged off resulting in a negative mark against my checking history credit bureau account at XXXX XXXX XXXX and/or XXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A so called recovery place tried to get me to pay {$830.00} today by days end or face a {$5000.00} judgement in court for a old credit card I never had. Says from XXXX in which is impossible because I didnt have a capital one card between these yrs. What is the statue of limitations on these matters!!
Consumer complaint received 2022-01-15
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. (PA)

Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, XXXX, and TransUnion, XXXX XXXX raising the score XXXX points like advertised, it dropped XXXX, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports XXXX XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in Florida or NJ or Tennessee, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.
Consumer complaint received 2022-04-11
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. (FL)

I would like have the following unauthorized inquiries removed : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (OH)

There is a collection account opened in my name by FIDELITY PROPERTIES IN. They claim my original debt is owed to XXXX XXXX. The collection was opened on XXXX XXXX 2017. I do not know how this charge came under my name. It could be a case of Identity theft? I did not go to XXXX hospital that year or the preceding year for any purpose! There is nothing in my medical records to reflect this alleged charge. I tried to dispute this charge through all 3 credit bureaus. XXXX and XXXX both removed the collection from my account. XXXX did not. They contacted the collection agency and claim the charges are valid. That is impossible. There must be some record of me visiting the hospital or getting some procedure done to account for these charges. No one has produced any evidence to validate these charges. There must be something. An emergency room admission, test results, medical records, something. I know for a fact they can not have any of these things as I had no reason to go to the hospital. I am healthy. I have had no accidents. I have not been ill. If they have something in my name the only logical explanation is someone else used my name falsely to avoid the charges themselves. Even if that is the case there should be video evidence to prove that the person seeking medical attention was in fact not me. I do not know how else to dispute these charges. If this is not something that your organization handles could you please direct me to the proper channels that I may have this removed from my records. It has significantly damaged my credit rating. There is about XXXX points difference between the 2 valid reports and the one with the false charges. This keeps me from building my credit and gives me higher interest rates. Please help me in this matter. I would like to know where these charges came from and how they were placed under my identity. They can not possibly be valid as the hospital visit never happened. At least not by me. I have no documents to attach as this is a false charge and never happened. Thank you for your assistance in this matter. Sincerely- XXXX XXXX
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) XXXX XXXX XXXX XX/XX/2021 Capital XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) TRANSUNION XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (GA)

I have been the victim of identity theft & as per my credit report for multiple {$300.00} pay day loans since XX/XX/XXXX. I just learned about this today after checking my credit report XX/XX/XXXX. I DID NOT take out nor apply for any pay day loans in person or online. I have not used my credit for the past 3 years & that has been intentional on my part, because I had no reason to do so. I have spoken with the original creditor & was informed to complete all steps given to me by the third party collection agency who in turn would investigate this matter futher.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

My credit report is reflecting a bankruptcy >Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AL)

XX/XX/XXXX I received a letter in the mail from IQ data stating that I owe my previous landlord XXXX along with a letter breaking down the charges.I attempted to dispute this amount via XXXX  XXXX  but it was denied. I spoke with XXXX XXXX ( possibly XXXX ) during my move out inspection and asked her infront of witnesses just to have some sort of proof in the event of an issue, I asked her how much of my deposit they would keep she stated well I know you told us months ago you would not renew your lease and you were moving out but we will have to charge you up to one months rent for you moving out since its not in writing so you wont get your deposit of XXXX back we then did a walkthrough and she stated I would be charged for a small repaint in the kids bedroom due to a wall decor pulling paint off and the stove eyes needed to be replaced! So again I asked how much am I going to have to pay she said XXXX minus my XXXX deposit ( I have the person who helped me clean the unit willing to give a notarized statement of this ) Now this was done on XXXX due the office being closed on XX/XX/XXXX when we moved out and there being no drop box for the keys.The charges are ridiculous I have paid off this property once without asking any questions but I will not pay for something that was falsified I have my uhaul receipt showing I removed all of my things out of the unit on XX/XX/XXXX but they charged me for 3 days saying I still was staying there FALSE again.I have no problem paying for breaking the lease but the carpet paint and other charges are all incorrect the carpet was cleaned the week we moved out BY XXXX  Vendor due to a raw sewage leak. I know I am not the first to have an issue with them and I have previous tenants willing to take legal action in form of a class action suit against them for the same exact reasons.The pandemic was rough and I still had to move and provide for my children bc the sewage leak was a common issue and I didnt want my kids sick from exposure especially during the start of the pandemic.My lease is ending and just as Im applying for a new place I get this letter now if they are willing to talk about charging me for the lease being broken thats different but I will not just give IQ data more money than I actually owe like the last time I was told I owed XXXX but had to pay around XXXX to them to get it in good standing I need this issue resolved in a timely manner!
Consumer complaint received 2023-04-04
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)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  : XXXX. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXXl XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Under 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. 

Thank you,