davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NJ)

I spoke with an account rep who was not a manager on XX/XX/18 at XXXX. I explained to him that I felt that I wasn't being treated properly because my credit line was reduced coincidentally on the same day that I filed a dispute on one of the charges on my account. I have filed two disputes over the last year with this company and both times they automatically declined my dispute without further investigation. I find it appalling the way they treat people, especially customers who have an excellent payment history with them. My credit line was reduced from $ XXXX to $ XXXX. When I asked the rep to review my account and give me my credit line back he proceeded to ask me a ton of questions and then stated that he would not be able to give me my credit line back. I then asked to speak with a supervisor and spoke with XXXX, agent ID # XXXX  who proceeded to tell me there was nothing he could do to help me at this time. I was also sent a letter stating that my line was reduced because my credit score dropped to XXXX. Once I confronted them about the letter they than tried to cover their tracks by saying that it was because I had incurred more debt since I obtained their BUSINESS credit card. Are they kidding me? My debt fluctuates do to my growing business. At times I carry debt and at other times I carry no debt. If their excuse was valid than other credit card companies would have done the same. It is a bogus excuse and will not be tolerated or ignored.
Consumer complaint received 2018-06-03
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I sent a letter to Experian via Certified Mail Return Receipt ( # XXXX ) regarding an entry from XXXX XXXX XXXX/XXXX  XXXX XXXX on my credit report ( see attached, including return receipt ). 

This was my second dispute regarding this inaccurate entry. 

My letter indicated that on XX/XX/XXXX, I wrote to XXXX XXXX via Certified Mail Return Receipt ( # XXXX ) asking for validation of this entry under FCRA Section 623. XXXX signed for this letter on XX/XX/XXXX but did not reply ( see attached ). 

I enclosed a copy of my letter to XXXX, along with a copy of the return receipt for same. 

On or about XX/XX/XXXX, I received a notice from Experian dated XX/XX/XXXX that indicated they had " previously processed this dispute '' and will not reinvestigate ( see attached ). 

They asked for " additional relevant information, '' which I had already enclosed with my previous dispute, and explained that they had not considered my dispute of XX/XX/XXXX at all. 

This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

A secured credit card with USAA opened on XX/XX/XXXX was charged off in XX/XX/XXXX. Charges on credit card were fraudulently added by XXXX XXXX XXXX XXXX, who I later sued and won a settlement against. 

Credit card was successfully deleted from my credit reports in XX/XX/XXXX, but later reappeared in XX/XX/XXXX. By law, I should have been notified in writing by the creditor that the account will be added back to my credit report within five days of account reappearing. I was never notified.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was looking over my consumer report and found hard inquiries that I do not recognize. Please remove these inquiries off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-02
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: HCFS Healthcare Financial Services of TeamHealth (OK)

I've been trying for almost 4 years to make XXXX  remove multiple accounts dating back to XX/XX/XXXX that were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with XXXX  AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM XXXX XXXX ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT XXXX HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED XXXX AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND XXXX IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT XXXX DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH XXXX  AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2017,, Bank Of America sent me a special promotion to open a saving account and deposit for {$20000.00} to receive {$200.00} opening bonus before XX/XX/XXXX, I opened one on XX/XX/XXXX and deposited {$20000.00}. It says I will receive the {$200.00} within 3 months. However, I still not get it within 3 months. Then I called Bank Of America for more than 4 times, after verifying my information, they just told they will sent the bonus for me in few days. However, I never get the bonus they promised.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Account number XXXX XXXX reflects the account is 30 days past due for XXXX. This is incorrect information. The account is not currently past due for XXXX because we are on day XXXX in XXXX. ACCORDING TO THE FAIR CREDIT REPORTING ACT once the account is 30 days late the creditor can report it to the credit bureaus. The XXXX payment is not 30 days late and is, therefore, being reported incorrectly. This account needs to be removed from my credit report! The monthly payment is only {$210.00} and the account shows a past due amount of {$420.00}. The information is incorrect. Below is how it is reflected in the credit report : Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Status Open. {$420.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$420.00} Highest balance {$6000.00} Monthly payment {$210.00} Last payment date XX/XX/XXXX Payment summary ( see how the account is marked as past due 30 days for XXXX ) XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XXXX - - XXXX - - XXXX - XXXX - In addition, XXXX XXXX XXXX continually reports their account incorrectly. I want this account removed from my report! It is reflecting the account past due for XXXX and the month of XXXX has not ended. In addition, they are reporting twice the amount of the monthly payment as past due. The monthly payment is {$840.00}. They are reporting incorrectly! 

The information is incorrect and I want it removed.
Consumer complaint received 2018-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (LA)

I ask this company to validate this debt for me and they still haven't properly verified or validate this debt. I do not have any knowledge of this debt. Under the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original sign contract.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # NA has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 and 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 to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I was a customer with Wells Fargo from XXXX until XXXX over this period we were denied refinance request over and over. These continual refinance request denials during a period of hardship were difficult. The request denials for help because of loss of income during the market explosion forced us ultimately into bankruptcy, to protect us from foreclosure actions that was initiated by Wells Fargo in XXXX. I would like to formally request information how settlement qualifications are being considered. And if I fit the criteria to apply.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

I received a notice from the ERC debt collection agency on behalf of XXXX XXXX on XX/XX/XXXX via mail. Enclosed was a statement for the amount of {$910.00} from the contract date XX/XX/XXXX, placement date with ERC on XX/XX/XXXX and date of delinquency XX/XX/XXXX. 
I contacted ERC immediately to dispute the claim and came to find out that this was for an address located in California. I have lived in Michigan my whole life and have never lived in California. I contacted my local police department to file a report, but was informed that I need to contact my social security office. I reached out to XXXX XXXX to dispute the claim and in order for XXXX to investigate a claim of Identity Theft, they require an incident report with the Federal Trade Commission.
Consumer complaint received 2023-01-31
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. (NV)

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As a loan servicer XXXX  has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for Advantage to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.
Consumer complaint received 2023-01-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (GA)

THIS SERVES AS XXXX ADDENDUM TO COMPLAINT FOR XXXX. AS STATED WE WERE VERY INTERESTED IN THIS PROPERTY HOWEVER, AFTER AN EXTENSIVE INVESTIGATION WE COULD NOT UNDERSTAND WHY THIS HOME IS BEING SOLD FOR THE XXXX TO XXXX TIME AT AN EXTENSIVE PRICE POINT. IT APPEARS COMPASS BANK NOW PNC HAS REFERRED THIS HOME TO XXXX FOR SALE. THIS HOME HAS BEEN PAID OFF AT LEAST 5 TIMES DUE TO THE MORTGAGE FRAUD. IN ADDITION, XXXX WAS ON THE HOMW SO THE BANKS WERE PAID. SO WHY IS THIS PROPERTY NOT BEING SOLD AT THE MINIMUM, PRICE POSSIBLE OR GIVEN AWAY. THE HOME HAS BEEN ABANDONED FOR OVER 1 YEAR. WE CONTACTED THE BANK DUE TO A MUCH NEEED TRANSITION, HOWEVER THEY WERE NOT COOPERATIVE. I THINK IF I RECEIVED A CALL FROM AN INTERESTED PARTY NOTIFYING THEM OF THIS ISSUE I WOULD GIVE THEM THE HOME FOR PENNIES, PAY FOR THE CLOSING COST, TAXES, PROVIDE A FULL WARRANY DEED AND A XXXX TITLE VERSUS BEING UNDER INVESTIGATION FOR FRAUDULENT PRACTICES, THIS REALTOR IS REALLY SHADY. IF PNC IS NOT XXXX BANK WE APOLOGIZE, HOWEVER IT'S STATING ONLINE PNC IS THE BANK PROVIDING THE MORTAGE. 

THIS COULD HAVE TAKEN EVERYONE INVOLVED OUT OF THE LIABILITY ZONE, THEY GAVE LIED ABOUT THE ENTIRE BACKGROUND ON THE HOME. IT ; XXXX BEEN SITTING FOR OVER A YEAR, INDIVIDUALS HAVE MOVED IN AND OUT THE HOME LONG ENOUGH TO TAKE OUT FRAUDULENT MORTGAGE WHICH APPEARS TO BE AN INSIDE JOB AND ABANDONED THE HOME. THIS HOME IS A XXXX HOME. 

IT NEEDS TO BE PULLED FROM XXXX IMMEDIATELY! THIS IS SCAM! 
COMPASS REALTY APPEARS TO BE A SUBSIDIARY OF PNC BANK. NAME SWITCH! WOW THIS IS THE SAME SCAM WE WERE VICTIMS OF!
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Update to my prior complaint ( XXXX ) - company has still not responded. I was able to determine my payment will rise when my next property tax disbursement is made in XXXX. My prior payment was {$1800.00}, my new payment is {$1600.00}, now my payment will be {$2100.00} unless I pay {$3100.00} in which case my new payment will be {$1900.00}. Pretty clear isn't it? I spent an additional XXXX XXXX on the phone today trying to make heads or tails of this, but still no definitive answer. My property taxes have not changed, my insurance has not changed, the only change is with this mortgage servicer. 

Additionally, my property insurance is information is not listed on their website, instead it states : " Your information is outdated and/or we are missing your insurance information. Please update your information. Please note Lender Placed insurance XXXX be effective soon. '' Additionally, a payment from my escrow was made in XXXX for {$3100.00}, which also led to an " escrow advance '' of {$1000.00}. My property tax disbursement should have been {$2800.00} and change. If there is a penalty it should be due and paid by LoanCare, since I had plenty of funds in escrow prior to them sending me {$5300.00} as a refund of overpayment. 

This company should not be allowed to purchase large numbers of existing loans unless it can demonstrate it has the infrastructure in place to transition those accounts seamlessly. It has shown a lack of concern for me and other similarly situated. I am concerned as to how this is going to impact the thousands and thousands of other borrowers whose accounts were purchased by Loancare. I'm sure I'm far from unique. 

If other consumers received large checks from their mortgage company, they might have assumed these funds were due to them and spent the money. It is quite concerning and will likely lead to defaults and foreclosures. At the very least, their payments will rise considerably when it is time to pay their tax installments. 

This problem is much bigger then me. Something needs to be done right away.
Consumer complaint received 2023-01-04
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. (IL)

Account name : XXXX Acct. # : XXXX {$400.00} # XXXX {$280.00} I have disputed this account with Experian over 5 times starting XX/XX/XXXX ending in XX/XX/XXXX and it still hasn't been resolved. I have sent in a police report and also a letter from the circuit court that proves I couldn't possibly make these accounts. I was incarcerated on XX/XX/XXXX and wasn't released until the following year. I sent letters asking for proof of anything connect to me and I asked them how the account was verified, they Never let me know anything they just send an email stating that it was verified. This is my second time filing a complaint with CFPB. My next step is to hire me an attorney. Please strike and remove these accounts from m credit bureaus until adequate validation has been received proving that the account belongs to me, and all of the information is correct.
Consumer complaint received 2023-01-31
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. (SC)

As a loan servicer XXXX  has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for XXXX to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MN)

Hello, The collection agency Waypoint Resource Group located at XXXX XXXX XXXX XXXX XXXX, TX XXXX reported a {$470.00} debt on my credit XX/XX/22. I never received any correspondence from this collection agency prior to the debt being reported on my credit. On XX/XX/22 I sent a certified mail debt validation request letter to the collection agency. The letter was delivered and given to an individual at the collection agency XX/XX/22 per XXXX tracking number. It has been almost XXXX months since I have not received a response back from the collection agency in regards to my debt validation request letter.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (TX)

I have an account with Navy Federal and I did not give them permission to report my account to the XXXX Credit Bureaus... There is no sign documentation stating otherwise...
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. XXXX inquiry dated XXXX .Please remove these inaccurate inquiries off my report