davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
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: NAVY FEDERAL CREDIT UNION (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

American Express denied me a credit card stating I had a bankruptcy filing on my credit report but that is not correct. I contacted XXXX and XXXX to get this information removed. XXXX he stated they did but clearly they did not because I qualified for this credit card and was discriminated against by American Express.
Consumer complaint received 2021-06-01
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. (PA)

I emailed and wrote several letters to XXXX XXXX XXXX XXXX XXXX regarding a late that they are reporting to the credit reporting agency. 
I ask that to proved or remove this late, pursuant to the FCRA. 
They refused to prove such late see attached response from XXXX XXXX Services
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

Received a past due demand from Speedy Cash for {$300.00} letter dated XX/XX/2021. I have no knowledge of this transaction and never applied for the speedy loan. This is a fraudulent transaction and attempting to intimidate me to paying the {$300.00}. I am not responsible for the {$300.00} and will file a complaint against the alleged creditor Speedy Cash. Just returned from a short vacation to XXXX and opened the late payment notice today i.e. XX/XX/2021. The fraudulent account number is XXXX. Speedy Cash is demanding that I pay via credit card or debit card and provide my account number. I gather that this is an attempt to obtain my credit/debit card number to further maximize the rip-off.
Consumer complaint received 2021-06-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: AAA Auto Title Loans, LLC (AZ)

I have tried to stay in contact with this company since I lost my job at the time in XX/XX/XXXX I was receiving unemployment and in the state of arizona even at the max I was only getting just over $ XXXX. Every time I called to try and work things out with them the same male answered the phone ( i cant remember his name or if he ever gave it ) I explained my situation several times over only to be belittled for having lost my job and unable to pay back the loan. I pleaded and told him that i could barely afford to feed my child let alone pay bills. He then replied with " well my kids are fed so I can sleep just fine at night ''. I have also made several attempts since then to set up payment arrangements with other representatives i even told them about what was said to me by their fellow peer they didnt care. They have since refused my offer to pay off the balance with in means of my budget and refused to work with me to find a manageable amount for me with the other bills that I have. The comment made by the rep what was said to me is a violation of the law and is considered abusive language.
Consumer complaint received 2021-06-02
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. (TX)

I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.
Consumer complaint received 2021-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I did a temporary forbearance with my mortgage company ( Loancare ). It was due to COVID and was only supposed to last 3 months. About 3 months later I started contacting Loancare about starting up my monthly payments again. Somehow they accidentally extended my forbearance. Finally, in XXXX, I got paperwork to fill out to reinstate my payments. It took a month to receive this paperwork. I got it notarized and sent it back via XXXX. Im waiting for my payments to be restarted XXXX during this forbearance they have disabled online payments for my account ). The last time I spoke with a rep they said my payments would start again XX/XX/XXXX. The forbearance missed payments are to go at the end of my loan. 

Now, unexpectedly, I am receiving letters saying my mortgage is in default and Im at risk for foreclosure. My mortgage is NOT in default. It was a planned forbearance due to COVId. Loancare has made it incredibly difficult to get my monthly payments restarted and now they are threatening foreclosure. I am devastated because Ive done everything Im supposed to and Ive been ready to make payments again.

Loancare needs to correct my mortgage so my credit isnt ruined and I dont lose my home. Literally all of this is their fault yet Im going to suffer the consequences.
Consumer complaint received 2021-05-18
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: MECHANICS BANK (AZ)

Mechanics Bank Auto Finance has ruined my reputation by reporting credit inquiries to the XXXX. I did not consent to Mechanic Bank Auto Finance reporting these inquiries. XXXX has allowed Mechanic Bank Auto Finance to report a late payment. 
how is it possible to report a late payment in a consumer credit transaction that involved a finance charge. 15 USC 1605, the finance charge is the sum of all charges In a consumer credit transaction. what is a late payment defines by law?
Consumer complaint received 2021-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC. (FL)

I am formally complaining about Pacific Premier Trust 's inability to properly display the transaction records for my IRA Roth and Traditional accounts. Nothing at all shows in the transaction records history. Further the Dashboard shows Unrealized Gain/Loss amounts that are totally fictitious. The amount shown are actually the asset values not a gain or loss o them. 

I spent an hour on the phone with the support desk yesterday and they could not do anything to resolve this. On switch over to a new system my old ID/Password combination would not work and my account got locked out. The help desk did restore that but only for top level summary information. No details. 

I am deeply disturbed that the bank can not properly manage and correctly report my accounts. I pay you fees for this. I am not getting value for these fees. I can not access current or historic records I need to complete reconciliations, taxes and/or do valuation/sale of the assets using these records. This is a total failure on the part of the bank. 

I have been on line with the bank 's support desk to no avail. I also wrote a formal complaint as noted above. The support desk said they would get someone back to me in 24 hours. No one has done so. I just checked the account record prior to sending this note and nothing has changed. 

They appear out of control.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX  have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Company XXXX XXXX XXXX XXXX XXXX via Synchrony Bank lowered my limit on XXXX from {$2500.00} around XX/XX/XXXX without notifying me of the change. The only way I knew what happened was getting a notification from a 3rd party about my credit limit changing. Nothing was wrong with my account at this time. Payment history was perfect, I was not even close to the balance limit of {$2500.00}. I have statements from XX/XX/XXXX for the balance showing {$970.00} and XX/XX/XXXX for {$960.00}. 

Why did you lower my limit without informing me? 

My account was further closed without informing me, despite not missing a payment. 

I have as of XX/XX/XXXX paid off the remaining balance in full as I was receiving 3+ phone calls minimum per day from Synchrony at all hours.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I initially had made a purchase from XXXX XXXX in XX/XX/XXXX. Upon getting the products there were issues, so I requested a return label from XXXX XXXX, which they provided via email. I returned the products and received a refund without issue. About a month later XXXX XX/XX/XXXX XXXX, I received a charge to my checking account for the exact amount of the original order, after having already returned the products. I reached out to XXXX XXXX to see what this charge was for, and after speaking to multiple levels of management, no one was able to figure out what it was, or even see the charge on their end. I was advised to reach out to my bank ( TD Bank ) and told that they would be able to resolve it. I reached out to TD customer service, and filed multiple claims on this charge that took my account well into the negative. One after another, they were all getting denied and TD told me to contact XXXX XXXX to resolve this. I then provided TD with proof that XXXX XXXX could not see the transaction on their end, and therefore could not reverse anything. I was reaching out to TD Bank daily to try and resolve this, as I had become late on my bills, rent, living money, etc. but was told time and time again this was XXXX XXXX XXXX issue. After not receiving any help from either side, I visited a TD branch thinking they may be able to help more hands on. That was not the case. After spending 2-3 hours in the branch every time, nothing was resolved. After continuing to call, TD then informed me that they would be shutting down my account and that I could no longer bank with them.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I feel like this would give me trouble in my futures credit deals, As such I would like this matter to be taken care of.
Consumer complaint received 2021-06-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I AM VERY CONCERNED AT THE FACT THAT EXPERIAN NOR XXXX HAS BEEN ABLE TO RECTIFY THE INACCURATE INFORMATION REPORTING WITH XXXX XXXX. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THE NEGATIVE INFORMATION, XXXX  WENT AHEAD AND WASHED OFF THE INFORMATION BECAUSE THE INFORMATION REFLECTING IS VERY FALSE. I NEED TO RESOLVE THIS ISSUE AS SOON AS POSSIBLE. THIS IS A MATTER I NEED TO TAKE CARE OF AND I WOULD LIKE TO HAVE IT FIXED PLEASE. I HAVE ATTACHED PROOF OF THE ACCOUNT TO THIS CONCERN. PLEASE RECTIFY THE ISSUE IMMEDIATELY.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (FL)

There is an unidentified collection account reporting to my credit report. I have reached out the the bureau on XX/XX/XXXX & XX/XX/XXXX to explain the account is in violation because it does not provide the name, telephone, and email address of the creditor. 
Please see the attached letters that were sent and a copy of the credit reporting issue.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX Missouri {$6400.00}
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (CA)

A home equity loan came due in XX/XX/XXXX. Tried to settle with the bank which purchased the orginal loan from XXXX XXXX XXXX XXXX XXXX went under ). When into the bank in XXXX, Ca. talked to two sells rep and one manager to try and settle it with another loan, denied. Then the calls started apx XX/XX/XXXX to my office XXXX XXXX XXXX. I asked not to call me at this number due to it being a work number, failed. They kept calling 3-4 times a day then added a rebo call to the person calling. Went on for several months XXXX XXXX XXXX. during the last month or so I received a letter asking to settle for have of the amount. I was thinking it over and checking my finances. Then I got another robo call and then a person call XXXX XXXX XXXX. That told me that the left hand was not talking to the right. Now served with a court date I'm trying to get a loan to pay the amount. But found out that they put a Charge Off on the credit which makes it hard. But they are showing two amounts which one is the full amount owed and the other for a couple hundred more. A charge off is stated for amount settled for which is lower than what is owed. I tried to contact the company ( us bank ) one by u.s.mail and the other by fax. To this date no response.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

I'm writing on the falsified claim that American Express makes against me, its manipulation of the service relationship, and its efforts to obtain unfair advantages and infringe on my consumer 's rights of honest service. 

On XX/XX/XXXX, American Express made the claim that " our attempts to send you an email about your XX/XX/XXXX Billing Statement were unsuccessful ''. The claim was totally fabricated. Ive been receiving countless emails from the company on various dates, before and after XX/XX/XXXX. There had been NO unsuccessful email attempts. American Express representatives confirmed that there was no record of unsuccessful attempts at all ( see attached document : Amex XX/XX/XXXX ). The company could not provide the bounced email message or other proof to support its claim. 

In making the false claim against me, American Express tries to manipulate its service relationship with me and gain unfair advantages at the cost of my consumer rights. The company threatened to unilaterally alter the billing if I do not follow their instructions within ten days ( see attached document : Amex XX/XX/XXXX XXXX. 

And the damage was not just limited to the alternation of billing. On XX/XX/XXXX, I also received message in the American Express online account that my credit limit was lowered because the company unilaterally determined to change it based on my income. I faithfully disclosed my income, and Amex initialized the credit line last year. I have full proof that my numbers were actual and authentic, and my income has increased since last year. Yet, the company determined to arbitrarily alter the service. Its ungrounded and derogatory action caused damage to my credit rating. 

Based on the above, American Express is communicating falsified information to its consumer and tries to gain advantage over its client through fraudulent practices. Such practices, conducted via mail and/or email, constitute a deprivation of honest service. I request investigations into such potential frauds.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2021-05-18
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. (CT)

I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;
Consumer complaint received 2021-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I requested a free report from Transunion in regards that I was turn down for a car loan. I have yet to receive my free credit report after being turn down for a car loan.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Consumer complaint received 2021-06-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (AL)

This debit has been reoccurring on my credit report as if its a new account. This was placed in bankruptcy and therefore should not be reporting on my credit. However, I would like for this to be removed all my credit files.