davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (NC)

I have a substantial amount of money on my card but for some reason American Express serve has a limit on my money that I can spend. Its my money and not a credit card. So every single month I have to go a week to 10 days with no access to my money.
Consumer complaint received 2021-10-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CT)

THIS IS NOT A DUPLICATE ISSUE. I HAVE PREVIOUSLY SUBMITTED COMPLAINT XXXX BUT THE ISSUE IS NOT RESOLVED. PLEASE READ : Hello, I am continuing to have multiple issues paying my monthly bill using the XXXX XXXX  They have issues with their application, their support team is extremely slow to respond, they do not have phone support, and they have not addressed the issues I have reported like they previously stated. Below I have detailed the steps I have taken to resolve the issue. 

The issue I have every month is paying my bill. I have my bank account connected ( XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX and auto-pay enabled ( reference Screenshot # XXXX ). Grain NEVER processes my monthly automatic payments. I do understand that payments are my responsibility, so in an attempt to resolve the auto-pay error in their app I have tried the following : XXXX. Logged into the app and tried make a manual payment. This does not work. The app states that " There is an error with your external account your bank isn't responding. XXXX XXXX ''. ( Reference Screenshot # XXXX ). XXXX responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. Tried to change my connected bank account to resolve connection errors. This also did not work - I am told to contact support. ( Reference Screenshot # XXXX ) Support responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. XXXX XXXX continuously to request one-time payment links and to get support for the app errors. This always results in weeks delayed responses, late fees on my account and no resolution for the app errors. I even respond after paying asking for another link for next month just to make sure I won't get a late fee and it still takes them weeks to respond. ( Reference my past complaint submissions with email screenshots ) XXXX. XXXX XXXX asking for them to help me change my bank account. This is most recently and is the most frustrating - the support agent responded that I needed proof that my current connected bank account is closed. How is that legal? I should be able to change my payment type at any time, especially when there are obvious technical issues with my current connected account. ( please reference screenshot # XXXX ). 

Grain has some serious application and support issues that are impacting my credit and finances. I have done everything as a consumer and more to try to solve these and have no where else to turn for help. In my opinion, this. company should be shut down.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-08
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-26
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. (FL)

On XX/XX/XXXX By Certified Mail I informed the credit bureaus that they where in clear violation of the law. Under 15 USC 1681 b-permissible purpose of consumer reports as pertaining to my credit report. 

I informed the bureaus that I had not given permission for the late payment from capital XXXX XXXX XXXX reported from XXXX & XX/XX/XXXX and XXXX of XXXX to be reported on my consumer report. I asked both reporting agency to remove these late payments from my consumer report. Neither credit bureau as of date has honored my request and continue to violate my rights under 15 USC 1681 Under 15 USC 1681 b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I do attest that the credit bureaus all 3 including XXXX who just begin reporting this closed/paid in full account is violating my rights. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX a Mortgage Forbearance/ Modification Agreement that the money that is owed is XXXX and not due until XX/XX/XXXX, in the past year they up my loan payments to cover this expense of XXXX was taken on XX/XX/XXXX and XXXX was taken of XX/XX/XXXX and in XXXX. not sure about the %. Unable to figurer that part I wrote a letter asking them to send me all my information on both of my loans date from XXXX so I can take them to a third party to review they have refused the first date was XX/XX/XXXX and the second time in writing was XX/XX/XXXX I also asked them to fix the errors XX/XX/XXXX they have refused they want me to go into another forbearance/modification agreement. 
XX/XX/XXXX, Bank of America was still sending inspectors to our home, and one was driver high rate and I want to report them to the police but bank American refuse to send the information of the 3rd party I do not understand why they would send someone to my home during a quarantine of lockdown. ( he got out of his car came up to my home and took photos of my home and ran back into his car put in reverse at high speed and pulled to the next-door cross street neighborhoods drive-in reverse and in forwarding race up the curve up the street. ) Also, I am still under the IL hardship agreement and I do not think they are following this agreement also. 
XXXX I had a modification and they add 14 years to my mortgage, I also notice the amount is smaller it was also taken out. Bank America has refused me a refinance to lower my 4.7 %. I have been looking for a third party to help and review all my stuff bank lack of information from bank America is make it difficult for us. 
I was told by the bank of America they had to pay taxes in XXXX for XXXX I think and charge me for them I paid them in cash they never show me the paperwork from cook county. I should not pay % on this amount. 
I have 2.5 years left with the IL hardship agreement. 
also, my credit has taken a hit.
Consumer complaint received 2022-04-26
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. (IL)

On XX/XX/XXXX( Return Receipt # XXXX ) Experian received my correspondence demanding they stop the illegal reporting of erroneous accounts on my Experian credit report. I never gave Experian permission to furnish my reports, Pursuant 15 USC 1681b. Furthermore, for Experian to share my information without my consent is aggravated identity theft. Experian broke the law and illegally updated the inaccurate accounts per Report number 1541-8051-10. Pursuant 15 USC 1681b ( A ) ( 2 ), I want to exercise my right as a consumer and demand deletion of these inaccurate accounts as my written instructions. Wilful compliance will result in seeking legal action.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I filed a charge dispute around XX/XX/2021 regarding a XX/XX/XXXX dispute with Agoda.com. I outlined that XXXX used deceptive marketing practices and offered on their final confirmation page an option to cancel a hotel booking. I clearly saw before I clicked purchase the statement that a few days before the stay date at the hotel, the purchase would be fully refunded and that after those few days, there was a period of time that decreasing refunds would be provided, i.e. 50 %, then 25 %, then 0 %. I paid careful attention to those dates in case my trip changed. And it did but after I canceled, XXXX was now saying free cancelation was not being offered. In fact, I specifically filtered for free cancelation hotel rooms only and I followed links to the hotel room I purchases dated XX/XX/XXXX. -Later on I discovered that this was part of the deceptive and misleading practices that XXXX used to secure purchases. 

After communicating with XXXX and not going anywhere, I disputed the charge with Capital One. They provided the temporary refund and reached out to XXXX. They then heard back from them and accepted their simple statement that the charge was valid. They provided zero information on my allegation concerning what I clearly saw before clicking submit to purchase. Capital One accepted this and provided me with no documentation addressing my concern. 

I then provided additional information and none of that extensive information was considered in their decision. They did not follow up on my allegations and when I asked why, they stated they relied on XXXX information. XXXX information also did not address my allegation I was not provided a fair investigation. When I asked Capital One whether they viewed my claims as incredible, they did not respond. 

They issued a Can Not further Assist letter and established the charge on my card. They also refused to delineate the charge and send it to collections per my request an my assertion of my right to do so. They only provided as an option to close the credit card to do so.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history.Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number.Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )
Consumer complaint received 2022-04-26
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX and XXXX {$130.00} 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 2022-08-22
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. (CA)

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my twelfth ( 12th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX BANK NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 an account without my written instructions.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX had a data breach which resulted in my identity being compromised there was a law suit and they denied me any funds from the law suit. When the results of this action clearly resulted in my identity being stolen.
Consumer complaint received 2023-08-22
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: Financial Business and Consumer Solutions. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (ME)

I purchased a foreclosed property to renovate with a XXXX loan in XXXX of XXXX for $ XXXX in XXXX, Maine with Freedom Mortgage. I was given a HUD appointed consultant ( XXXX XXXX XXXX XXXX ) to release payments for quality work. My first contractor ( XXXX XXXX ) was inadequate after botching foundation repairs and was ultimately fired but was given money for things he didnt complete ( $ XXXX ). After waiting out a lien sign off refusal, the second contractors ( XXXX XXXX  ) started in XX/XX/XXXX. We had a plan to complete a downgraded version of the home but they did not consult town code enforcement before performing work which they were paid for ( $ XXXX ). The problem was first floor beams and foundation but they used most of the renovation budget on other things which left me with a half demolished home. I would have to ask for an additional $ XXXX to complete the home because of pandemic price hikes pushing the price of the home pass its value and my budget. I hired a lawyer to assist but told my case against all 4 entities would be slim and may be more costly than the reward. In XX/XX/XXXX, I hired Real Estate agent and Short Sale Cooperative to short sell the property so I can purchase another home for my family. After 5 months Freedom Mortgage says the house was unlivable and rejected selling to potential buyers. Its confusing when it was unlivable before any renovation which puts me in a Deed in Lue or Foreclosure situation. Since I am a building novice, I just paid mortgage on time and assisted the contractors making sure they got reviewed for payment when requested. I thought the XXXX loan was to protect me from this exact issue but everyone else got paid and I am left without a house, potential debt and credit hit. I could use any assistance to help protect consumers from further professional abuse.