davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UPSTATE PREMIER MORTGAGE, INC (NY)

On XX/XX/XXXX I was told I was not able to close on a house. I spoke with this loan bank and underwriter numerous times and questioned the garuntee of the deal if paid off items on my credit report thus these specific items were taken care of an the conversation is in emails an text message between I am the lender can provide when requested I then reached out to the same group of lenders and underwriter about truth in lending upholding my end of the deal and they upholding there end of the deal as they would not admit but its factual my XXXX has denied me the opportunity. The realtor then conference call us all an asked why professional individuals will practice discrimination the day of closing moreover ; the lender an underwriter became speechless and we decided to file a complaint I will like to submit all text messages and emails to show an prove the XXXX I experienced by the morage company an the underwriter and the bank, in XXXX New York there is a XXXX gap on the housing market reported by one of the news agencies and the federal government census data also proves the XXXX in the lending/housing market for XXXX Americans In addition I was told by the party involved not to obtain a higher pay career as we needed to close the deal before doing so thus I can provide the offer letters from these employers and my termination letters This XXXX has also affected my childrens living conditions an custody case I can not attach all the emails of the correspondence but am able to forward them to a secure email address to to further this complaint along
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (KS)

We owed a debt for credit card. Blitt and Gains PC set up payment plans with us. We got hit with unexpected medical bills and couldn't make a payment. Blitt and Gains filed a garnishment order with the court. We were never notified of the court order. We were never given the paperwork for the court order that would have given us 2 weeks to pay before they froze our bank account. After our account was frozen, we had to call the court house to find out the case number and what was going on. We never new we needed to respond to the garnishment order. We then called Blitt and Gain. We told them we never received any paperwork. They then mailed the garnishment order to us dated for XXXX but mailed in XXXX. It was 2 late for us to do anything. They froze our account for 3 weeks. We were not able to pay any bills. Couldn't even pay daycare. They didn't care. Even after the debt was paid we continued to receive paperwork dated back in XXXX but received in XXXX. I had to rack up another credit card just to pay the debt to try and hurry and get my account unfrozen. This is what they wanted to happen though. This is a disgusting company. The attorney XXXX, should be ashamed of herself. Took an oath but then lies to close her case.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (TX)

I am a first time home owner and I purchased my home in XXXX of XXXX. At my closing, I was told to put away a certain amount of money for escrow as there might be a shortage. I did as instructed and fast forward to XX/XX/XXXX, I get a tax bill that higher than expected, based on the discussion that took place at the closing table. The bill was sent to my mortgage company and they paid it. To recoup their funds, they built the amount into my house note, which increased my house note by a little over $ XXXX/mthly. I was offered a modification as a way to assisting me by reducing my mortgage and allowing me to put away the additional funds for my upcoming tax bill. The trial period for this arrangement was for four months. Once I completed it, my interest rate was to be reduced from 5.125 % to 3.25 %. I have since completed the trial with on time payments and received my paperwork for me to agree to the loan 's new XXXX XXXX XXXX XXXX XXXX During the evaluation, I start receiving letters from a few of my credit card holders that they are either reducing my limits or closing my accounts due to non-payment of real estate. This is not accurate and upon speaking with Gateway Mortgage, they tell me that they won't report my house payments until I restart the process. They want me to do a new appeal because the date of my signature and the date of the notary are two different dates. In the mean time, my credit has received adverse actions from four of my creditors. Three of them have reduced my credit limits and one has closed my account all together. This is unjust and inaccurate and I would like for this company to be investigated for their unethical practices.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian was given a credit dispute on XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX ) reporting a fraud balance. The hospital added fraudulent charges and then took it to collections where Experian is reporting the tradeline. Upon disputing this inaccurate trade line to Experian, the credit reporting company has refused to actually investigate the documents. Experian has : Refused Proof of incorrect balance with my file uploads Refused to compare the credit furnishers documents with my documents Instead of using the documentation I provided, Experian has used incorrect procedures in determining the incorrect information. 

The balance is {$970.00} per documented proof in billing. 

First bill has date of stamp of XX/XX/18 On the XXXX bill they stuck fraud charges by doubling the itemized " XXXX XXXX '' line item
Consumer complaint received 2022-06-21
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. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times
Consumer complaint received 2022-07-12
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. (GA)

This was not sent in error I am a consumer by law and my information was misused. This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2022 i had received a call from my bank as shown on caller id and was informed of fraudulent activity on my online banking app XXXX, the rep had me do me to me transactions to reverse funds as he said, I had been scammed out of 2 business accounts out of Bank of America for {$10000.00} and {$2900.00} Bank of America has denied my claims for money returned, On XX/XX/2022 I had gone to my local branch in tears with the thought I was scammed and it was confirmed i was, with absolutely no protection from Bank Of America or refund of monies, from what I understand all money was transferred into a XXXX XXXX Bank account,
Consumer complaint received 2022-07-29
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021, XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  - XXXX ) XXXX XXXX XXXX {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has not communicated to me once via mail. All my requests for paperwork in writing have been denied. I walked into multiple branches and was sent away from each. The representatives of Capital One claimed that capital one does not allow people to apply for credit at any branch. 

When applying for the credit cards online capital one responds to me in a single email though I applied for multiple credit cards. Sending a single file they claim to be an adverse action letter, capital one alleges that information furnished without my consent ( and I have been actively trying to resolve this issue with the company ) is the basis for denying me credit. Capital one sent me this email three times in an attempt to respond to the other two applications. 

Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the organization. Capital One must satisfy this obligation by providing statements of reasons in writing as a matter of course to the consumer, applicants against whom adverse action is taken. Pursuant to 15 U.S. Code 1691 ( d ) ( 2 ), I, the affiant did not receive such and thus Capital One is in violation of 15 U.S. Code 1691 ( d ) as shown by Exhibit A.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I did not consent to authorize nor benefit from these accounts. Block and Remove Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

Hi XXXX has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX days straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX 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 im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-07-12
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. (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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion 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 im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial (NY)

I had money in XXXX XXXX, to buy and trade cryptocurrency. At least a year ago, automatic deposits stopped all of a sudden and my account showed that I had a balance of - {$20.00}. I was unable to deposit further funds or buy or sell any assets and my bank account suddenly wasn't accepted by them. 

I sent emails XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( I think there's more ). They said my bank is not supported ( XXXX XXXX XXXX ) and only a few banks are compatible now. They kept. reminding me of this weird negative XXXX balance, but I couldn't pay that because my bank was no longer able to be linked. No help there after repeated attempts to contact support. 

Now the app is " sunsetting '', they are going out of business, I do not wish to continue with the new company ( XXXX? ) that they moved the accounts to, and the best suggestion they gave me was to wait until my funds have become " unclaimed property '' with the state. As of right now, my account is worth {$320.00}
Consumer complaint received 2022-07-29
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. (GA)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NY)

This account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. This was transferred to another lender so why is it acquiring late fees?