davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My father passed away XX/XX/XXXX and I am assuming the loan. I have sent in all financials to SPS along with the new deed in my name and homeowners policy in my name per there request. This bank continued to say the deed was not sealed when it is public record. My attorney even wrote to them and spoke to them. They keep giving me the run around and the loan is accruing interest. I want to start to making payments. This has gone on for too long! I even have a applied for ERMA through the State of NJ since the house in XXXX. SPS told me it would take 30 days! It is now XXXX! We submitted on XX/XX/XXXX the deed with my name! What is the problem? I am XXXX and this is my primary residence! I have conformation from SPS the the packet was complete! I have no terms! This is the worst bank! My house is worth more than the loan! I have a lawyer XXXX XXXX and will file complaints against them if you do not get involved. No one knows what they are doing in this company. Underwriting should not take this long. They are violating my rights and charging me more money every day. That is completely wrong! This file should of been done months ago! I call every other day and email and no one has answers. This is poor customer relations and a bank poorly ran! 
Maybe our local TV station consumer reports would like to investigate their banking practices. They have many and should be fined!
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX
Consumer complaint received 2020-05-14
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: AMERICAN EXPRESS COMPANY (OR)

American Express decreased my credit limit from {$6000.00} to {$1000.00} without any notification. I called and they said they couldn't find any information regarding this matter. I have not made a late payment and American Express has not been helpful with this. I haven't used the card for some time but I would have if I was warned that my limit would be decreased. I also resolved an account that was reporting negatively on my credit report.
Consumer complaint received 2022-10-11
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)

Recently sent Transunion Documents

see Attached

WANT THIS TO BE PROOF OF SENT DOCUMENTS TO TRANSUNION HAVE BEEN PREVIOUS INCIDENTS OF DISCARDING OF SENT DOCUMENTS AND REPORTING NOT RECIEVED OR SOME DAMAGED!!

THIS ARE ALL FRAUDULENT INQUIRES REMOVE IMMEDIATELY OR YOU WILL BE VIOLATING FCRA AND MY PRIVACY RIGHTS. IF XXXX XXXX  OR TRANSUNION HAS MY WRITTEN INSTRUCTIONS OR AUTHORIZATION TO IQUIRE MY CREDIT REPORT SEND TO ME IMMEDIATELY AS PROOF ACCORDING TO THE FCRA IF NOT IT MUST BE DELETED IMMEDIATELY. ANYTHING BEYOND THESE STATED RULES FROM THE FCRA IS UNLAWFUL AND I SHOULD BE REWARDED FOR DAMAGES AND DEFAMATION OF CHARACTER PLEASE DO WHATS FAIR AND EQUITY TO ME AS A CONSUMER.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2019-10-06
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NV)

I have noticed that ONEMAIN have placed an inquiry on my XXXX  and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested ONEMAIN and XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural  person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (SC)

Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX Account : Account : XXXX  Account was paid in FULLL and deleted from all three Credit Reporting Agency. Experian is the only credit Reporting agency that delete and reappears back on my credit XXXX Account : XXXX This account is in collection with a past due amount of {$1100.00} according to the Metro 2 compliance need to be deleted. 

XXXX Account : XXXX This account is in collection with a past due amount of $ {$7200.00} according to the Metro 2 compliance need to be deleted. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX XXXX XXXX Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I just paid off my sams club credit card in the amount of {$420.00} for a {$400.00} credit limit. I received a notice that my credit limit was dropped down to {$160.00}. I called the customer service and asked where is the rest of my credit and they stated that it is their discretion to drop credit limit because it is a loan. I explained to them it is not a loan, it is revolving credit. I then told them they owe me XXXX in credit because i paid the whole amount off. I got no where. They kept trying to say its a loan which it isnt, its revolving sams club credit card and I'm still unclear as to why they even dropped my credit when i just paid off {$400.00}. Last week was showing the current credit limit because i paid {$100.00} in Sam 's memebership and then bought a few items online for about {$55.00}. Now, i only have a credit limit of XXXX and I truly believe they are purposely doing this because i paid it off. They have already said when i do pay the full amount, they place it on hold because they don't like full amount payoffs. I believe this is in retaliation for my full payment.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

XX/XX/2021, Trying to place a fraud alert or freeze my credit with Experian is impossible to do. They cant seem to confirm my identity online and want me to send in all these documents. I need this to happen immediately and dont have time to deal with mailing it in. XXXX and XXXX make it incredibly easy and stream lined over the phone. Why isnt Experian helping consumers in the same way? I am not comfortable mailing my personal information nor am I able to wait to get this matter taken care of. Identify theft needs action right away as Ive had several new credit inquiries as a result. There is also NO option of talking to a person at Experian. I dont understand how this is legal.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

My husband and I were going to buy a r.v. to live in. Credit karma said our account or credit score was XXXX. We are from New York. We went to Virginia by my daughter looked around picked out a R.V. they ran a hard copy of our credit and found out it was much lower. It was XXXX XXXX in XXXX V.A. we were embarrassed! They doubled our payment. We are XXXX, we did not get one. They did say that Credit Karma is a scam and many people have gone through the same thing. I feel defrauded. Thank you for your time.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.
Consumer complaint received 2022-04-08
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (ID)

When making my payment online, I am required to make almost double the monthly payment. The online payment option does not allow me to input the monthly payment amount, nor the desired payment amount I want to make. It forces me to pay double. The company said I had late fees. I started making my payments by check, paying additional funds each month to take care of the late fees. I requested an accounting of all my past payments and how they were applied and the spreadsheet that Flagship Credit Acceptance sent me did not show that any late fees were outstanding. In XXXX, I tried to make my payment online and again, it required that I make a payment in excess of {$800.00} due to a " past due '' amount. In a final attempt to resolve the issue, I made the payment in the amount of {$810.00}. This month, XXXX, I again attempted to make my payment online and it is requiring that I pay in excess of {$800.00}. My monthly payment amount is only {$460.00}. By requiring consumers to pay double the payment amount, Flagship is forcing them to make late payments or make phone payments which incur extra fees. They have been doing this since my loan started and I have incurred excessive fees as a result. Additionally, they are not applying the extra funds I send to the late fees so that the late fees are always outstanding. I have complained about this and I think they do it to all their customers.
Consumer complaint received 2022-04-08
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. (AL)

I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (NY)

I am writing to dispute the Ability Recovery Service XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this keeps on reporting inaccurately in my credit report because I dont recognize that account base on the report of Ability Recovery Service . Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : XXXX ) Date when the account was opened is inaccurate, reporting and violating the FCRA laws because I havent opened any account this year in the institutions mentioned above in my XXXX credit report, please provide in writing the agreement of this account. This type of manipulation puts me in financial harm as it shows that account in collections in my credit report. Attached to this file there is a copy of my XXXX Credit Report. XXXX ) The account doesnt show payment history or monthly transactions reporter. This manipulated my credit score intentionally as the report attached do not shows updates and changes in the account. XXXX ) No credit Limit at all, no higher balance and neither payments to the account. I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (LA)

TheBUREAUS ( OriginalCreditorXXXX  ) Acct # XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/2020 XXXX XXXX I received a phone call from the Anerican Express Serve company, my caller ID SHOWING ( XXXX ) same exact number shown on the back of the American Express serve card. Telling me that my card had been compromised and that I have charges coming in from Florida for {$80.00} {$60.00} and another charge of ( Im not sure., ) Did I do these charges? I stated I was in Colorado and absolutely not!!! I did not do those charges. The gentleman then stated he was shutting my card down immediately, and that they would be sending me out a brand new card in a 24 hour period. He stated I have nothing to worry about and they caught the fraud in time. I checked my account, and at that point all of my money was still inside my account. In the morning on XX/XX/2020 my money was still in my account on my American Express serve account # XXXX. Around XXXX XXXX on XX/XX/2020 I received a email from American Express Serve stating that my Password had been changed and asked if it was me who had changed it, if not I was to contact them immediately through the telephone. I called their XXXX and was on hold for over two hours during this time I went back and looked at my emails and I received a new email from American Express Serve stating that my transfer was a successful at XXXX and {$520.00} had been taken out of my account and some kind of a transfer to a unknown name of which I did not do! The name was XXXX XXXX ... I DO NOT know this name, I know nothing of this person and I did not do this transfer! I spent 5 1/2 hours waiting for American Express Serve Fraud department to answer, once they answered I spoke to a XXXX ( not sure how to say or spell ) she stated that she would report the fraud and that I would be receiving a phone call from somebody else with a record number, during this time I received a phone call from a XXXX  from American Express serve giving me a fraud number of XXXX. And then she proceeded to tell me they have 10 business days to investigate the fraudulent charges and would be emailing me back with an answer of what they had come up with the results. On XX/XX/2020 I received two emails From American Express Serve stating they had done their investigation and they have determined no error occurred at that transaction question and was authorized. Therefore the transaction is not eligible for credit to my account. I have filed a police report # XXXX and # XXXX With The XXXX Police Department. I have also filed a report with the XXXX XXXX XXXX FDIC, and all three reporting credit bureaus for fraud. I have wrote a certified letter to American Express Serve asking them to explain why my fraud claim was disregarded and how they came up with their decision, along with the proof of why the transaction was considered legal? when it was not.