davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (LA)

I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted XXXX, XXXX, and Transunion to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (MS)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (IL)

I paid my loan to Mercedes Benz Financial Services as agreed. After making the final payment I discovered that the lender had lost the vehicle title. All they are willing to do is send me a paid in full letter. I think that the lender is responsible for the safe keeping of the collateral ( vehicle title ) and that they should be required to obtain a duplicate title. I am trying to sell the vehicle but am unable to do so without a title.
Consumer complaint received 2022-08-27
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: Navient Solutions, LLC. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2022 I received a letter from XXXX XXXX XXXX  regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. 

I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. 

Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from XXXX XXXX XXXX, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

My wife passed on XXXX XX/XX/2022. I subsequently contacted Rushmore Loan Management Services to request a payoff to close the mortgage. I was not listed on the mortgage, and they would not accept payment from anyone other than the deceased. I attempted to pay the balance in full since and the company rejected the payment and sent a notice of default on XXXX XX/XX/XXXX that included additional {$300.00} fees with interest. The Garn. St Germain Act doesn't prohibit mortgage assumption in these circumstances. It even encourages lenders to allow the assumption of a mortgage, either at the contract rate of interest or at a rate between the contract rate and the market rate. ( 12 u.s.c. 1701j-XXXX ( b ) ( XXXX ) ). The actions of the lender doesn't make sense considering I have the means to pay the balance in full. 

In this particular case the lender appears to be doing everything possible to extract additional fees for profit in a malicious manner under the circumstances.
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MS)

I applied for the Citi Premier card in response to their offer of XXXX Thank You points for spending {$4000.00} in the first 3 months of opening the card. The card has rejected my attempted charges numerous times. This morning I tried to make a purchase that was declined. This happened after a decline charge yesterday, After I verified the charge is scenario has played out numerous times in the past week or 2. 

It actually seems like the bank 's " fraud '' system is functioning in a way to intentionally make it difficult for me to spend enough money to earn the bonus they offer in their promotional offer.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXXXXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have reached out to Experian to correct inaccuracies on my credit report. 
They currently list multiple address that are incorrect and even obviously versions of the same address with one being the correct one : XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. The other two version don't include my apartment number or incomplete address of the street. The XXXX XXXX XXXX is my sister residence where I never resided or received mail at. 
The items being disputed were submitted XX/XX/XXXX which haven't been resolved and Experian expressing in their correspondence that their projected date of resolution to be XX/XX/XXXX. That clearly is past 30 days to verify the information I asked to be verified. 
There are two mortgage inquiries with no permissible permission to be on my report. I don't own a home and actually have a real estate license so wouldn't use either to the creditors that accessed my report. There is no accounts tied to these creditors on my report.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC (TX)

I had a written agreement with XXXX XXXX XXXX in XXXX, TX to pay a re-letting fee once COVID was over. The agreement was initiated in XXXX of 2020, and the agreement was for us to " touch base '' after the pandemic ended. I never received anything else from the in regards to the debt. No one ever " touched base '' with me, or tried to reach out to me for the debt before just sending it to collections. I never had a problem repaying the debt. The apartment manager told me to " not worry at all about the payments right now '', due to the pandemic. I have attached supporting documentation. 

Thank you.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (MS)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to my records, I have paid in full along with on time payments. I would like for you all to remove this from my credit report.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

on XX/XX/22 while i was at work there was to withdrawals from my account for {$200.00} totaling {$410.00} @ XXXX, my card was with me at the time so im not sure how this happened i called in to chime customer service and was told i have to wait until the transaction settle yesterday i call back into chime to dispute the charges and they closed my case this morning saying there was no error occurred i provide them with my time card as well as a police report but there desi cons still remains the same
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (HI)

On XX/XX/2020 Ive Used XXXX XXXX To Fill My XXXXTax Return. To Recieve My Tax Refund Ive Given My Current Bank Account InFormation For Direct Deposit But Was Issued A Prepaid Card Called American Express Serve That Had My Economic Impact Funds {$1200.00}. They Have Sent Me A Prepaid Card And It Arrived Here On XX/XX/2020. The Issue Was That The Island I Live Called XXXX Does Not Deliver Mail To Physical Address We Have Mail Go Through Our XXXX XXXX , So There Is No Way I Can Recieve This Prepaid Card. Ive Open My Online Account And Have Access To My Funds. They Have A Temporary Card That I Can Use For Purchases And Send Money But It Was An Issue As Well. It Wouldnt Let Me Activate My Temporary Card To Use. Ive Been Trying To Call Lots Of Times But No One Seems To Answer The Phone Or Not In Service. I Have Tried To Contact So Many Companies And It Seems Helpless. This Was The Reason That I Didnt Want To Happen. Now Im Having Financial Issue Because Of This COVID 19!!
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166613 : A creditor may not treat a payment on a credit card plan as late for any purpose.
Consumer complaint received 2024-08-22
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. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2022-08-25
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

on XX/XX/22 at XXXX received email from Bank of America saying " online application is in progress '' XXXX-another email says approved XXXXanother email says welcome to online and mobile banking XXXXanother email says verify your email address XXXXanother emails says your email address was updated I contacted bank of america once they opened on XX/XX/22 fraud agent asked me to provide them some info, they were able to verify they saw an account showing opened under my name, they immediately shut act down, and will be be sending me info that I have to fill out to verify myself. 
I have reached out to XXXX so they can put alert on credit bureaus, it was automated line, did not speak to live agent, contacted social security fraud line, which an agent stated I needed to reach out to FTC
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NH)

I received a debt collection letter for a credit card from XXXXXXXX XXXX.I don't believe i opened this credit card, I asked them for proof of debt XX/XX/2022, they provided me with the last 2 statements, which showed only the amount owed {$610.00}. I asked for the application and all statements in XXXX XXXXThey did not provide the application just the statements. In XX/XX/2022 I asked again for the application. They stated they can not send me the application. This is non-compliance. If you're trying to collect a debt owed, you should be able to provide all documents on the account. No payment was ever made on this account so I am unable to prove it was my debt, as I would've at least made payments to this credit card.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Bank has closed and lower our limits without reasonable notice just because they can. They control too many store credit accounts, and they lower or close accounts without notice regardless of activity or not. When we pay the cards down and have any substantial available credit on that card, they lower the limit to within {$50.00} sending our credit score to the toilet and making us look like we are using all of our available credit and giving us a 95 % usage report and destroying our rating. When question why they are doing this, they report we are using too much of our credit and your score is low along with high balances on your cards. NO XXXX When you close accounts with no balances and lower limits to within {$50.00} of their balances it's going to look like all of the above! 
This is the only bank or company doing this to us XXXX  XXXX, XXXX XXXX, and XXXX " DO NOT DO THIS ''!!! They call and ask what's going on and how they can help if possible. When we explain its only Synchrony Bank doing it, they are aware and advised us to payoff and drop all cards with this institution ASAP! We are doing our best, but as we described above, every time we lower our balance, they lower our limit and claim it's because we use to much credit! Thus, the problem! Worst Company we have ever dealt with and will NEVER AGAIN!!!