davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint to address the persistent issue of inaccurate derogatory items and charge-offs reported on my credit profile by Experian XXXX XXXX XXXX Despite my efforts to resolve these inaccuracies directly with the credit bureau, they have failed to correct or remove the erroneous information. My credit profile includes several charge-offs that are being inaccurately reported. These accounts are either not my responsibility or have been settled but remain incorrectly listed as charge-offs. There are additional derogatory marks on my credit profile that are outdated or unverifiable. These items have unfairly impacted my creditworthiness, livelihood and overall financial standing. I have previously disputed these inaccuracies with Experian, providing supporting documentation to substantiate my claims. Despite my disputes, the derogatory items and charge-offs remain on my profile, indicating a failure to properly investigate and correct the inaccuracies as required by law. 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports : This law stipulates the types of information that can not be included in consumer reports beyond certain time limits. Equity jurisprudence principles demand that wrongs be remedied and fairness maintained. Clean Hands Doctrine : This principle asserts that one who seeks equity must come with clean hands. My efforts to rectify my credit profile inaccuracies demonstrate my good faith and honest conduct, warranting equitable relief. The principle of subrogation allows me to step into the shoes of the creditor to rectify any inaccuracies. In this complaint I have provided a few federal cases to support my claims. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case underscores the broad equitable powers of courts to ensure justice is served, including ordering remedies that ensure fairness and correct wrongs. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that creditors must ensure the accuracy of the information reported to credit bureaus. Failure to do so can result in damages awarded to the plaintiff for harm caused by inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case highlighted the obligation of credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The court held that failure to conduct such an investigation could lead to liability for damages. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MI)

On XX/XX/18, I tried to get a loan with my bank. A credit card with THD/CBNA showed up and says I am an authorized user. I do not know anything about this account. The Home Depot says they cant tell me whose account it is and they cant take me off the account. ( I have an account with Home Depot that has been paid perfectly. ). This account has been paid seriously late a couple times which has affected my credit. They owe {$1100.00} and the monthly payment is {$68.00}. The credit bureau couldnt help me and Home Depot wont help me. Please let me know what I should do. I am trying to buy a home and this is keeping me from getting a loan.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2019-06-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OR)

I continue to have problems with Rocket Mortgage. The terms and conditions continue to change every time we go to close. I was to receive 2 months grace upon closing now it is 1 month. The amount has gone up {$1000.00}. The terms keep changing. If I had money
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

In accordance with the fair credit # 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 asa late for and purpose.
Consumer complaint received 2019-03-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: B&B Funding, LLC (MA)

In XXXX I received a letter saying that my second mortgage, that was discharged in a chapter XXXX bankruptcy, was transferred to XXXX XXXX XXXX, I had not paid this loan since XXXX.The new creditor contacted me and wanted me to make monthly payments and advised me that he would be " coming after me '' XXXX  XXXX was the principal of XXXX XXXX  XXXX.He called and emailed about payments in violation of the Bankruptcy injunction.I advised that I was not obligated on the debt and his only remedy was through the property but he insisted I start making monthly payments.He advised that he would foreclose but with a 1st mortgage of XXXX and a value under 500k no one would do that as they wouldn't get any monies after all was said and done.WXXXX talked of some type of a lien release settlement but he wanted more monies than he new I had and I advised him of a previous settlement offer that a previous servicer had reneged on ( see your case XXXX ) but he was still insisting on monthly payments.I did some research and he is not registered with the state of Massachusetts as required nor licensed with the state of Mass as required by 209cmr 18.16, I  don't know if he ever applied or was denied due to him previously being sanctioned and having a cease and desist issued by The Office of Thrift Supervision case XXXX XXXX. 
He then sent a notice to cure saying " you have 30 days thereafter a foreclosure action will be initiated. 
This is also against Massachusetts law requiring a 150 day 1st notice to accelerate and cure so in summation He is operating illegally, violating the FDCPA, threatening legal action that he cant take and violating UDAAP, and trying to collect on debts not owed, and violating the CFPBS directive on deceptive acts and practices.He must know the laws about notice in Massachusetts so he is threatening what he know cant happen, or if he doesn't he shouldn't be trying to foreclose on homes..
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi i find fraudulent inquieries in my transunion report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete fraudulent information from my credit report.
Consumer complaint received 2024-10-04
Product: Credit 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: JPMORGAN CHASE & CO. (MN)

on XX/XX/year> I was being threatened by a scam caller and purchased gift cards out of duress. I was panicking and scared of being thrown in XXXX  when I purchased XXXX gift cards for $ XXXX ( nearly {$1000.00} ). At the time I thought it was the actual police and XXXX government departments because the numbers looked exactly like the official phone numbers. I later found out scammers have the ability to disguise the numbers and contacted XXXX but they could do nothing. I contacted chase and they refused to help me. For some reason they don't consider deception a form of fraud I am considering dropping Chase at this point with how badly I was burned by their lack of help when I was victimized
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (FL)

I am filing a complaint against OneMain Financial regarding their debt collection practices. I have requested that they cease all forms of communication with me, as their persistent contacts are causing significant stress XXXX XXXX. This communication does not constitute an acknowledgment of any debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Florida law, I have the right to request that they stop contacting me. Their failure to comply with this request violates my rights.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I have a charge made from XXXX to my XXXX  mastercard ( Barclaycard ) I called and said i did not make the charge. It was made some time at the end of XXXX for XXXX. When I called I said I did not place the order. They decided to place a " dispute '' instead of a fraud investigation. I started staying at a different address XX/XX/XXXX because we are currently buying a house closing around XX/XX/XXXX. The company has the old address and said the merchandise was sent there. The Credit card company said they will no assist me in a fraud investigation because all the information " was mine '' and a dispute was placed first ( which was their error ). I did not make the purchase or get whatever product was ordered. I need a refund immediately i am not paying {$2100.00} for something I did not received. This XXXX card is the only card I pay an annual charge for and is the worst company I've ever had to deal with. The fraud department had the nerve to say I cant placed fraud just because the dispute wasn't in my favor. This is not the case at all, they issued the dispute incorrectly when i called and said it was fraud from day one they need to listen to my calls. my card is being canceled after this complete mess.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CT)

XXXX  is reporting an inaccurate account with Great Lakes Servicing. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with XXXX  but XXXX  did not investigate the item or even attempt to verify it with the company. I called Great Lakes Servicing and was hung up on by two supervisors ( XXXX ph : XXXX ).
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (CA)

I got a phishing email fake lowes and I fell for it. It was just pay shipping and u win free tool box. Immediately after I sent credit card info, I knew it was scam. googled it and it was. So, i contated my credit Card Ally. Told them what happend. They said dont worry we gon na stop account so nobody can charge and send out a new card. I had no access to account until I got new card and activated it. I saw that balance was higher than i expected and looked at statement. There were two identical fraud charges for XXXX, the exact same charge amount I warned them about, and it not only pended, it went onto new account. There solution was file fraud charge and MAYBE in three billing cycles the amount could be corrected? I said the fraud charges came in after I told customer service and they said account was closed. So, they can file fraud but in meantime credit my account for those charges. They did not put any alert on account? They said no charges could go on, but apparently they did. I had one charge for XXXX two days prior that was denied, so I had no worry that hackers would be able to use. I just wanted to pay the Correct balance on my bill but cant get the correct balance for three months? I told them not to send me out new card, just close account. I just dont think its fair that I gave them warning ahead of time and they still let charges go thru? Never had that happen before. they dropped the ball and want me to just wait or pay, when I want the balance at XXXX. The supervisor was NO help and shouldnt be in customer contact.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as SYNCB. I immediately called Synchrony Bank advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted Synchrony Bank to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called Synchrony Bank again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX   XXXX Police Department. 

I am highly upset about this whole situation because Synchrony Bank have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I'm in the process of buying a home and Discover closed my credit card account for inactivity. No warning, NOTHING! I last used the card in XX/XX/XXXX. It has been less than a year and they just up and close the account. I get an email on XX/XX/XXXX at XXXX XXXX   EST ( how ironic that I would receive the email the same day I received my appraisal ) advising that my account would be closed for inactivity. Other credit card companies send prior notification. Maybe Discover should follow the same practices. I have never been late on a payment. Now my chances of becoming a homeowner may have been ruined due to Discover 's lack of communication. This is not right at all.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : XXXX XXXX is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. XXXX XXXX has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. XXXX XXXX NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

XXXX XXXX AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (TX)

I initially disputed the barred debt- not claiming it to XXXX  due to original date of debt last payment and the collection agency Contract Callers responded back to XXXX  that the information is correct that they put on my credit file. They also have on the account that a payment of {$1.00} was some how received and that is not true.I hereby wish to submit a complaint to your office to assist in getting this issue of wrongful collection debt reporting to consumers credit file. 

I am uploading the following items : 1- dispute submitted online to XXXX  that shows the company responds that all information is incorrect and that is not true.

2 - Letter I sent to the company of the item not being claimed but is of barred statute and needs to be removed from my file.

3 - Credit profile pulled XX/XX/2006 showing this same account as a collection account and was disputed. 

Please assist to help me get this removed from my credit files. 

Thanks!
Consumer complaint received 2020-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (DE)

re : Marcus CD This CD matured on XX/XX/XXXX -- earning 2.75 apy. On XX/XX/XXXX I did an on-line inquiry of the renewal rate -- reading the actual interest rate would be per the actual renewal date. So I decided not to do anything until maturity. Today, within 10 days of maturity date, I went on line and saw the CD had been renewed for 6 months at 0.6 %. Furthermore I was told I was beyond grace period from XX/XX/XXXX. 10-day grace period starts from the maturity date -- the online inquiry starting the clocking is not legitimate. 
I was on the phone today for over 1 hour, speaking to 2 supervisor, appealing the arbitrary company policy, to no avail. I asked to speak to a higher level person -- was told only to wait for 24-48 hours, i.e., I would be further penalized for the cost ( not of my fault ) of the lower interest rate, plus more penalty ( over 700 as of today XX/XX/XXXX ) if I have to close the CD and run with my money.

Back when the law was enacted for a 10-day grace period, there was no online banking, so there couldn't have been a distinction between an online pre-maturity renewal vs. a renewal of a CD after maturity. So the company line is heads it wins and tail I still lose.