davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
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. (WA)

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY XXXX AND TRANSUNION NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. XXXX AND TRANSUNION HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

I went to store to make purchase yesterday (XX/XX/XXXX) and found out my account was closed on XX/XX/XXXX. I have XXXX  Thankyou reward points in my account and all of them got expired after the closure of my account. All Thankyou reward points were accumulated from my daily expenses. I do not even have a chance to redeem them since I have never received any account closure notice. I called up to ask if they can reopen and they stated no and for me to re-apply. The supervisor (ID: XXXX) did not provide any solutions, and she was even impatient to tell me that if I wanted to continue to complain then go online to find their complaint department mailing address by myself! This is the first time I met such a bad attitude customer service. They did not even email/mail me anything about the closure of my account. And it did not make sense to close my account without any notice and expire all of my Thankyou points.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Revenue Recovery, LLC (TX)

I have 3 different collections with this company that can not verify the collections they say I owe one for XXXX another for XXXX an lastly one for XXXX I would just like them to take them off all 3 credit bureaus
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/2017 my chase account was overdrawn because the funds for a purchase were not withdrawn in a time effective manner and I incurred massive overdraft fees without being contacted about the overdraft as the interests racked up on my checking account
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MO)

This is a follow-up to complaint XXXX about AMERICAN EXPRESS. 
American Express responded on XXXX/XXXX/17, but only honored the rewards deal by giving me credit for the XXXX XXXX points. They did NOT credit my account for {$50.00}, instead stating that I would " receive separate notification about the {$50.00} statement credit and appropriate remediation once it has been resolved if you are eligible for the credit. '' I have not received any further communications from American Express. It has been over two weeks and many months since I should have received the credit. I do not understand their delay or any possible explanation why I would not qualify given the terms simply required the credit card be used one time within the first 3 months. I satisfied that requirement within days of receiving the card. 

I have grown very tired of trying to get the rewards offered by American Express. I think they are getting away with making promises and not living up to them which is really despicable!
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MA)

I make my mortgage payments automatically every month from my bank account. My regularly scheduled payment went out on XXXX XXXX 2017 as usual. However the company has failed to apply it to my account. So they continue to send me notices that I have missed my payment. I have sent them an image of the processed check - cashed by them - plus the activity statement from my account showing the payment. I have sent this information more than once and my account is still not reflecting the payment. Meanwhile they are escalating payment collections. When I sent an inquiry via email I did get a response asking me to fax the information, However, after multiple tries at faxing, their machine is always busy and I can not send my information. So i have sent it to their customer service email multiple times. I asked for the situation to be escalated but i do n't think this has happened. This is actually the second time this has occurred with this company, The first time, one email with the processed check image was sufficient. 

Copies of the information that I have sent are attached.
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. (NY)

I am writing to formally file a complaint regarding unauthorized credit inquiries made by three financial institutions : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX all reporting on my Experian credit report, dated XX/XX/XXXX. These banks made hard inquiries on my Experian credit report without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which governs permissible purposes for credit inquiries. Under the FCRA, a creditor must have a legitimate purpose, such as my explicit authorization, a credit transaction initiated by me, or a court order, to access my credit report. I have not applied for credit or had any transactions with the aforementioned banks that would justify such inquiries. Their actions are in direct violation of my consumer rights. 

The following case law is relevant to my complaint : XXXX. Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) - in this case, the Ninth circuit ruled that the Fair Credit Reporting Act does not allow for a credit inquiry without a permissible purpose. The court held that accessing a consumers credit report without explicit authorization or a valid credit-related reason is an FCRA violation. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) - The XXXX XXXX ruled that companies that make unauthorized inquiries or do not have a valid reason for obtaining consumer reports can be held liable for violations of the FCRA, reinforcing the need for consent or a permissible purpose under 15 U.S.C. 1681b. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( C.D. XXXX. XXXX ) - This case reaffirmed that unauthorized inquiries into a consumers credit history violate the FCRA, and the consumer is entitled to statutory damages and other relief if the inquiry was made without consent or legitimate reason. 

These hard inquiries have negatively impacted my credit score, and I believe I am entitled to relief, including the removal of these unauthorized inquiries from my credit report and any statutory damages as provided under the FCRA. 

I am requesting that the CFPB Investigate this matter and hold these institutions accountable for their unauthorized actions and furthermore, remove and delete these inquiries off of my Experian credit report. Please provide me with updates on the investigation and let me know if any further information is needed. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I called the bank on XXXX and requested a payoff amount. They refused to give it to me. They asked many identification questions and I answered them all but did not know the penny amount of a $ XXXX transaction. I knew the exact balance, my SS I feel the bank does these things to generate revenue that they did not earn. In this particular case, extra daily interest. When i asked for a supervisor the representative stated he was.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-12-02
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: EQUIFAX, INC. (CA)

Equifax has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (MA)

I opened an account with XXXX XXXX to take advantage of an interest-free term for a new phone, which was processed through TD Bank XXXX Previously, I had an account with TD Bank for another retailer and attempted to log in using my existing credentials. However, I was unable to locate the new account associated with my previous account until I received a notification about a late payment fee. 
Upon further investigation, I discovered that a second TD Bank account had been created with new login information. I was still unable to access this account, necessitating a call to customer support for assistance. They helped me log in, addressed the late fee, and I set up auto-pay. 
Initially, I believed that auto-pay had been successfully established. However, I later learned from TD Bank that auto-pay can not be set up within XXXX hours of making an online payment, which resulted in my account becoming past due again. 
When I contacted TD Bank customer service to resolve the situation, I was informed that they could not remove the additional fees that had accrued due to their inadequate communication and website architecture. I was advised to submit a written dispute form via mail to contest these charges. After doing so, I received a response stating that their records regarding late payments were accurate and that they would not remove the charges. 
Approximately a month later, I discovered that, in addition to the approximately {$140.00} in late fees, TD Bank reported my account as 30 days past due to credit agencies, which adversely affected my credit score by XXXX points. 
Despite multiple attempts to contact TD Bank, I was unable to reach a customer service representative. Additionally, their requirement for a written form to dispute charges complicates the resolution process.
Consumer complaint received 2021-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Students Come First (PA)

StudentsComeFirst reached out to me to ask if I was interested in being apart of an income based plan for loan forgiveness through their company. They would pay off my current loan provider, XXXX, after I payed {$340.00} dollars to them within the first month of XXXX. After 6 months of {$340.00} dollars my payments would go down to {$100.00} dollars a month. They took the money out of my bank account but I have no information on them or a way to access my account. I called XXXX, and there was no information that Studentscomefirst is paying off my loan through XXXX and coming to them. I called XXXX and they gave me this number and website. I want to stay with XXXX because they are a trusted company for my federal student loans. I don't see a payment of {$340.00} paid towards my student loans so I do not know where my money is. I tried calling the StudentsComeFirst company but no one answered and my call isn't returned. I signed a document allowing StudentsComeFirst to take over and make direct payments to my bank account on XX/XX/XXXX. The person I spoke to was named XXXX XXXX but the name wasn't recognized when I called the StudentsComeFirst company. I am very scared I being scammed and I want to stop payments to them but am unsure how to do so with signed information I gave them. I want to stay with XXXX and cancel this StudentsComeFirst Company. Please help me. Thank you, XXXX XXXX
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION (CA)

I have a loan with LOBEL FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LOBEL FIN with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2017-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against XXXX XXXX and Experian for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

On XXXX XXXX, XXXX I ordered cabinets at XXXX 's XXXX XXXX in XXXX, NJ. XXXX XXXX, the kitchen representative at the XXXX XXXX XXXX told me about a promotion that XXXX XXXX was offering for 18 months interest free financing. I applied for the financing and was approved. He then told me that the bill may say that the interest free period is only for 6 months but he would be able to obtain an extension. He then called XXXX at the XXXX XXXX XXXX XXXX at XXXX PM on XXXX XXXX, XXXX and was told that by the XXXX bill the extension would go from 6 months to 18 months. 
Apparently the extension was never processed properly and my interest free period expires today, XXXX XXXX, XXXX. I contacted customer service as well as the " Executive Customer Service '' team at XXXX XXXX several times over the past 6 months. They responded by saying " Our office can not authorize this. '' I will now be charged interest from XXXX XXXX, XXXX to the present. Unfortunately I can not afford to pay off the balance and this additional interest is an enormous financial hardship for me. Especially one month before XXXX. And to add insult to the situation my kitchen project is still not complete. 
Please do not trust XXXX XXXX for any financing or XXXX XXXX needs.
Consumer complaint received 2017-12-06
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)

I have written to Experian on four different occasions requesting validation of the two collections that they have on my credit report.They have not provided me with any information that shows validation or verification of the accounts as I am not aware of these two accounts. They have simply came back and stated that they were verified and that they would not re-investigate although I was never provided with any sort of documentation. The accounts are as follows : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have tried to contact experian regarding incorrect name variations that are not 100 % accurate and are in violation of CRA and HIPPA. They are showing name variations with a XXXX as a middle and that is not mine.