davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AZ)

I am seeking relief from the XXXX Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance  status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.
Consumer complaint received 2017-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened a business account over a year ago and later realized the account was not the type I needed for my business, so I withdrew the funds and transferred them to another bank. I have not used the account since that time and assumed there would be no further issues related to it. In the past few weeks I 've been receiving emails telling me the account is overdrawn. Here 's an example " We 're writing to let you know that there are insufficient funds to complete recent activity for your deposit account ending in XXXX. '' I see no reason for this kind of thing and stopped at the branch yesterday where a drive-up window agent told me someone would call me this morning to discuss the matter. It never happened. More of the same nonsense!
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I opened a Comenity Bank credit card account through strong promotion of a XXXX XXXX agent. It has the name of " XXXX XXXX XXXX XXXX XXXX ''. XXXX charged the card for a XXXX membership fee without my preauthorization when I was traveling overseas between XX/XX/XXXX-XX/XX/XXXX. I did not realize XXXX XXXX had made this unauthorized charge until I received a phone call from a bank agent because they did not receive payment for the charge I was not aware of. I contacted XXXX according to the instruction of the bank agent. XXXX agreed to refund the membership fee they illegitamently charged ( reference number XXXX ). I closed the Comenity Bank credit card account immediately after I talked the the first bank agent because I did not want any more unauthorized charges nor related late fees. However, the late fees from the bank kept on accumulating even after XXXX refunded the membership fee and the credit card closed. What was more troublesome was that the bank would not stop making harrassing phone calls. The callers never seemed to understand the matter they were calling about and were not interested in listening to my explanation. <P/><P/>1
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

The company sent me an email indicating they are closing my account onXX/XX/XXXX based on information reported by XXXX. I called the discover and told them that it 's inaccurate and I have proof to prove it and that XXXX stated they have 30 days to remove it. I asked Discover how can they close my account with inaccurate information and the representative by the name of XXXX stated they can because this information is showing now. I asked if I can provide the verification showing it 's accurate she stated no ; once it 's closed its closed.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

On XX/XX/XXXX I purchased my home in XXXX, CT for $ XXXX. I took out a loan with XXXX for $ XXXX. InXX/XX/XXXXour family began to experience financial hardship. We have a daughter with XXXX XXXX XXXX XXXX. She has been hospitalized in the XXXX XXXX and XXXX XXXX over 6 times by the age of XXXX. I contacted XXXX about a loan modification. On XX/XX/XXXX XXXX denied my request and in XX/XX/XXXX my loan was sold to XXXX XXXX XXXX. For two years, with the help of Attorney XXXX XXXX, I tried to get a loan modification with XXXX XXXX. They kept prolonging the process because of missing documents, etc. They were a very disorganized company. In XX/XX/XXXX the loan was sold to XXXX and I had to go through the loan modification process all over again. In early XXXX I hired XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, to help me with the loan modification process and to try and keep out house out of foreclosure. Then on XX/XX/XXXX the loan was sold again to Rushmore Loan Servicing. I worked with Rushmore for a year to try and get a loan modification. In XX/XX/XXXX, I had a scheduled court date with Attorney XXXX XXXX. He was a no show and later that week I found out through social media that XXXX XXXX XXXX was no longer able to practice law. His paralegal kept sending me email notifications that XXXX XXXX would do right by me and my family. The night before the court date, I received a text from Attorney XXXX  that he would be at the mediation. On that court date in XX/XX/XXXX, where I had no representation, Rushmore came back with a loan modification offer which was higher than what I was originally paying. Without representation I feared the house would go into foreclosure, so I went to family for assistance with the loan mod payments and accepted Rushmore 's loan modification offer. At the beginning of XX/XX/XXXX we listed the house for sale. There has been minimal activity with no offers. We are now in a situation where we need to do a short sale because there is a second line of credit on the house with XXXX. XXXX made an error and recorded the lien twice on the house with the town of XXXX and I have asked them to rectify this. There is no resolution with that as of filing this complaint. Rushmore provided me a pay off amount of {$310000.00} onXX/XX/XXXX and then changed the payoff amount to {$310000.00} on XX/XX/XXXX. We have made two mortgage payments of {$2300.00} and we made a payment of {$4700.00} in XXXX so I do n't understand the justification for the {$2000.00} increase within a three week period. As you can see from all of these facts, the whole situation is a complete mess and I am in need of help.
Consumer complaint received 2017-07-07
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: CITIBANK, N.A. (NC)

This is a strange complaint that did n't completely fit into the categories noted. I finalized a difficult divorce on XX/XX/XXXX. As part of the divorce I agreed to pay for a {$25000.00} debt to a credit card company.
<P/>
On XX/XX/XXXX I contacted the credit card company several times. I asked about setting up a payment plan to address this debt. I also wanted to get this debt resolved as I have three pending Parent Plus loans for a set of triplets ( going to three different colleges ). The U.S. Department of Education had declined me for the loans until I could set-up a payment plan for this one company. <P/>On XX/XX/XXXX when I talked with three different representatives, they told me that they could not talk to me about a payment plan as I was at " day 159 '' and had to wait until XX/XX/XXXXwhen I was at " day 180 ''. I have no idea what this means except maybe they are going to charge me more money on " day 180 ''? My credit is damaged from this, and they will not assist me at all. I even asked for a letter on company letterhead to send to the U.S. Department of Education/Financial Aid folks - and the credit card company has refused.
<P/>I am now a single parent, and my credit is damaged and my XXXX 's college loans are being held up due to this company. I 've never heard of anything like this happening. And, I 've been a client of the company for over 20 years. <P/>I need some help as my kids college has to be funded by the end of XX/XX/XXXX. As I told the credit card company, I was much happier to be making payments to them to take care of the debt versus having to start making large college tuition payments. <P/>Please help me with this situation.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i went to double check on my credit and wasn't expecting to see any of those extra accounts on there obviously. i have called all the creditors both by phone and by email for over a month now... no response. 

would you please remove the entries that are fraudulent so i can get my daughter the car she needs to go to work and school... thank you for any help you can give me : )
Consumer complaint received 2017-07-07
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FORD MOTOR CREDIT CO. (LA)

Ford Motor Credit Company Share information regarding vehicle and attempt to discredit my family credit. I purchased the Ford Focus after my car was destroyed in XXXX Parish. In addition, after resigning from XXXX XXXX XXXX XXXX the XXXX Pension and Benefits were delayed which payment of my XXXX XXXX XXXX. The XXXX XXXX was repossessed because I reported XXXX XXXX and corrporation with XXXX and XXXX personnel. I would like an investigation with the Toyota Dealership located on XXXX XXXX and Ford Motor Credit Company. I truly believe these activities altered my economy recovery. Also, I truly believe XXXX XXXX XXXX, XXXX, XXXX, XXXX and the State of Louisiana are aware of these issues. <P/>I truly believe the Louisiana School Board, City Counsel and Churches within the State of Louisiana may verify this criminal activities. <P/>XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX may provide additional information. <P/>During the 3 past years my cars were destroyed, vandalized, and stolen while living in XXXX XXXX XXXX XXXX, TXXXX XXXX XXXX - XXXX, Louisiana, and XXXX XXXX XXXX, XXXX, Louisiana. <P/>Also, occasionally I am attacked by dogs when leaving my resident. <P/>Please contact XXXX XXXX for verification of resident. Also, please contact the XXXX Parish Sheriff Department for detail incidents reports.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XXXX is always able to provide the report for XXXX or XXXX when I request it. For Equifax it seems I am unable to even access the report. Each time I request it I can NOT get my report. Security questions clearly include information that is not mine. I am unable to dispute it because I am unable to get a report to see what is on it. How do I get a report when the security checks do not allow for the right person to provide their correct information? What would it take to get a copy of the credit report from Equifax?
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX XXXX XX/XX/XXXX Global lend XX/XX/XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove these fraudulent credit inquiries from my consumer report. 

1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX3. XXXX XXXX XXXX  XXXX XX/XX/XXXX4. XXXX ( Bank ) XX/XX/XXXX
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, XXXX and TransUnion. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (IL)

3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

I HAD FRAUD ON my credit card they refused to credit my charges even though i filed a police report and i was in XXXX when this fraud happened so i filed a complaint with the cfpd and when i filed the complaint they closed my account according to XXXX at the XXXX XXXX branch, he told me XXXX some lady closed my account because i filed a complaint, im pretty sure this is illegal and its retaliation for me coming to you guys to file my complaint.
Consumer complaint received 2017-07-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I am attaching a Mort gage Statement received from Shell Point Mortgage. I do not know this Company nor I borrowed any money from  them.   I want to send them a QWR Notice under RESPA. But their Mortgage Statement does not have any address to which I can send this QWR, although it is required by Law.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (LA)

OnXX/XX/XXXX I received an email from XXXX  saying that I was denied credit because of factors in my Credit Report. On XX/XX/XXXX I received a second email from XXXX saying that an additional attempt to get a loan was denied. ( I never applied for ether of these loans and sent over a police report for identity theft after the first email was received. ) Upon receiving the second email, I tried to get a credit report from SageStream, the credit reporting agency that XXXX based their decision off of ... To verify the accuracy of my information in their report and to make sure that there were no hits from the two loans that someone had tried to open in my name ... 

After navigating to SageStream 's site, they requested that I mail or fax them copies of my drivers license / passport picture page / military ID card ( the last is a violation of federal law btw ) and social security card, with any of the following : - Recent cable, utility or telephone statement with your name and current mailing address - Bank statement with current address - Rental lease agreement showing current address - Voided personal check with your preprinted current address - Notarized letter from the your landlord confirming your current name and residential address - Mortgage statement with the current address. 

There is no way that I am sending hard copies of that information to anyone just to get a copy of my credit report, especially from a company that I have never heard of until now!