davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports.. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-17
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: FIRST NATIONAL BANK OF OMAHA (PA)

Have a card for XXXX XXXX thru First national bank of Omaha. Credit limit was decreased because they said payment was received 3 days late regardless I send the payment every day of the month. Told them maybe was late due mail problems due to COVID-19. Account was reviewed but not changes done.
Consumer complaint received 2022-01-25
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: Collection Center Inc (CO)

I sent the company a validation of debt to prove that the alleged debt they say I owe belongs to me and they sent me back a couple of bills and I dont recall any services with this company and theyre reporting the debt on my consumer report by this company illegal action this a clear HIPAA violation and identity theft since I never gave the company permission to put anything on my consumer report
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2020 I submitted a request for debt validation to Portfolio Recovery Associates in accordance with FCRA regulations. Portfolio Recovery Associates failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( XXXX XXXX XXXX ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  ( XXXX ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1 ) To check my credit score to apply for a mortgage refinance, I checked the Transunion website for a free credit report. I didn't intentionally subscribe to any ongoing credit monitoring, but was signed up for a {$25.00} per month monitoring service while trying to request a free credit score, which Transunion claims to offer. I saw the {$25.00} charge two weeks later, and called, having never used the service, to ask that the charge be reversed. They would not cancel the charge. They did cancel the service they say I signed up for ( which they would have charged me automatically, they said, every month ). 

Transunion told me that they did offer free credit reports, but through annualcreditreports.com, not the Transunion home page. You would need some special knowledge to know the website where the actual free credit report is available. 

This is deceptive. I had to enter my personal information to receive what I believed would be a free one-time credit report. Transunion used that information to charge my credit card and would have charged me every month without my knowledge, very similarly to many online scams. The subscription is listed in about 10 point font on the web page, but there is no way to get a free credit report from the Transunion website, as would be expected. 

2 ) Transunion, unlike the other credit agencies, has an incorrect past address from fraud that doesn't even actually exist. The address is from years ago, and was corrected, but Transunion still lists it.
Consumer complaint received 2020-08-17
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. (KY)

In XXXX of XXXX a collection account through XXXX XXXX XXXX  in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, XXXX, or Transunion that this collection would be placed back on my credit file.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

I have 3 Citi credit cards : Citi Doublecash ( member since XXXX ), Citi Diamond Preferred ( member since XXXX ) and Citi Rewards ( member since XXXX ). 
This past XX/XX/XXXX, I was emailed a letter which I did not really pay attention to regarding my balances for Citi Double Cash and Citi Rewards. I have always been a great standing member and just recently Citi began providing my credit score to me as well. I have always received special offers and credit increases in the years i have been a member. In the past almost 2 years, I have purchased a home and a car ( major purchases ) affecting my credit which has taken a dip but mainly due to inquiries and adjusting for these purchases. Never has this affected my ability to pay my bills and I kept my balance at about 25 % of my total credit limit so well within my utilization. In XX/XX/XXXX, Citi reduced my credit limit with no reason except for my XXXX XXXX from {$7500.00} to {$1700.00} on my Doublecash Card ( balance : {$1700.00} ) and from {$6500.00} to {$2500.00} on my Reward card ( balance : {$1800.00} ). I called multiple times, spending about an hour plus on a phone call each time. On my final attempt, I was finally able to reach a supervisor. Each time I called, I would get hung up on while the transfer was occurring and this would happen after spending at least 45 minutes ( min ) on a call- very frustrating. No one would ever state a reason to me before reaching a supervisor and told me repeatedly, they could not understand why this had occurred. Finally, about 2 weeks ago, I was able to reach a supervisor, and they told me it was because of my credit score. Citi, upon its own random doing, took it upon itself to reduce my credit by thousands of dollar, for no real reason, damaging my credit score even further. Can you imagine if every credit company decided to do this to it's customers with no good reason? How damaging this is to the credit I've established? I want NOTHING more to do with Citi- they are discriminating. What exactly is their criteria for randomly making these so called " credit checks '' - I'd like to know. I consider this complete discrimination on the company 's part and how reckless of them to hurt their consumer 's credit instead of assuring they help. This is very damaging and I NEVER want to do business with them again.
Consumer complaint received 2021-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

I asked credit collection XXXX to explain this erroneous debt several times, they havent sent me any letters, my credit repair company or any of my representatives. They claim this was from a company called XXXX, however the times Ive used XXXX, I havent owed them any outstanding balance. I called XXXX  and they said I have no debt with them.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2020 I was approached by American Express to sign up for a 12 month repayment plan for an AMEX Business Charge Card I have open through my business. We we're behind on payments due to Covid-19 lack of revenue. 
They said this re-payment process would protect my business and person from negative credit score reporting and implications. They coerced me to sign up for this service under those false pretenses. 
One of the stipulations with the program, was that my separate personal AMEX card would also have to be frozen, discontinued use, and put on a 12 month re-payment plan. This was fine as I don't often use the card often, and it had a below 50 % utilization ratio. It seemed like it wouldn't be an issue. 
I signed up for the program at their behest. 
A month later I've checked my credit score and credit card information. 
They decreased the credit card limit on my personal card to just above the current balance amount, decreasing by around {$2000.00}. The card now has a 99 % utilization ratio. 
This then immediately caused a 100 point drop in my credit score! 
None of this was disclosed to me during their explanation of the program. 
They did not say my personal card credit limit would be decreased, especially by such a significant amount. 
They instead and conversely recommended this program as a way to AVOID negative credit score impacts, when in reality it has done the single most damage to my credit score in it's 12 year history. 
I would have been better off doing absolutely nothing, or continuing to chip away at the business cards payments as I was doing previously. The amount of credit score impact would have been minimal and inconsequential in comparison. 

They did not disclose the details of this plan properly, what they would then do to my credit card account once we got off the phone, and how these changes would and did negatively impact my credit score across all credit reporting agencies. They sold an unfair and false narrative of protecting consumers from negative credit reporting, but instead did irrevocable and immense damage to my credit score without my consent. 
This is a classic bait and switch, and has the potential to do serious financial harm to consumers. 
I would not have signed up for the program had I been made aware that my personal card 's credit limit would be decreased by such an amount, knowing the negative impact that and a 99 % utilization ratio would do to my credit score. 

They say they are launching an " internal investigation, '' but as this is being done in-house, they have very little incentive to disagree with their own practices, find themselves at any amount of fault, and do anything to rectify my situation - other then saying " you still owe us the monthly payments, and we now can't raise your credit limit because your score is so bad ''.
Consumer complaint received 2022-09-26
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. (AL)

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2022-04-06
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. (IN)

On XX/XX/2022, 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 XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXXXXXX 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 has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-23
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX - I paid this account in full and was settled by court. Still showing on my credit report. I need this account deleted ASAP from my credit repost.
Consumer complaint received 2018-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MA)

I have been trying to get current on my mortgage ( serviced by Seterus ) but the arrears became seemingly insurmountable. I was advised by the Seterus customer service team to apply for a loan modification to mitigate the potential loss and retain my home. I was not offered any other options. While the loan was under review for the loan modification, it was also scheduled for auction ( " double-tracking '' ). 

I was notified by the customer service rep I spoke to on Friday, XXXX XXXX that my loan modification was denied. To date, I have received nothing in writing stating the denial. ( It is only because I have called Seterus daily that I have any insight as to the status of the review for a loan modification at all. ) At no point was I ever given the opportunity to explore all loss mitigation options beyond the loan modification. Seterus never advised me of all my options to avoid foreclosure. 

With the auction date set at XXXX XXXX, and never having even been given the opportunity to explore any loss mitigation options other than the loan modification, I spoke to and emailed a loss mitigation manager to request a 60-day postponement to the auction. This will allow me the time I need for a short sale to mitigate the loss. I have a listing agent who is willing, ready, and able to put my home on the market and execute the sale in a timely manner so my family and I don't face foreclosure. The loss mitigation manager said it was " unlikely '' the auction would be rescheduled. 

I would like to fully exercise any options available to me to avoid foreclosure and feel I haven't been given the information or time that I need in order to do that -- having just found out about the denial of the loan mod just 8 business days before the auction date of XX/XX/XXXX.

Can you please assist in this matter? I would like to explore my  options and take steps quickly for the short sale. Seterus has not been forthcoming with important information that could potentially prevent the loss of my home to foreclosure. I request an additional 60 days for the opportunity to appropriately explore loss mitigation options. 

I appreciate any assistance you can offer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

We purchased furniture through Raymour and Flannigan and received a 0 % interest promotion. When we signed the paperwork we were never read a truth in lending disclaimer telling us we would be charged the entire amount of interest if it was not paid in time. We signed where they told us to sign. I called TD to inquire about this and was told that we get statements and emails that outline the promotion with a specific end date. After talking with TD we were told that our paper statements were cancelled and looking at the emails they never mention an end date and a charge of built up interest. The lady at TD also said that it is noted on our account page but the problem is we don't use the website to make payments. We make phone payments that never outline the end date. Neither do the emails we receive monthly. 

By hiding this information from us we had no way to know the promotion came to and end and that we would be hit with {$900.00} or interest. We want to pay off the account in full without the added fees. By not disclosing the proper guidelines when opening the loan, cancelling our paper statements and not including this information on emails sent this is predatory. There was absolutely no way for us to know until it was to late.
Consumer complaint received 2022-03-10
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. (TN)

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2022-07-23
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. (CA)

Credit Inquiry is mines, and i did not authorize for my credit to be pull. I've tried disputing this many of times. 

Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( Did not authorize this )