davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (VA)

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from Experian LLC XXXX I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score.

2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law.

3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law.

I am requesting that Experian LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that Experian LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I applied for this card XX/XX/XXXX. When I applied I screenshot the offer. It was for XXXX points after spending $ XXXX. In XX/XX/XXXX I received a {$200.00} credit and XXXX points. I didn't know what it was, but assumed it was part of my offer and the rest would come later as they tell you wait 6-8 weeks for processing. I waited until XX/XX/XXXX to contact Chase in an attempt to give the rewards time. I was 1st told the offer was NOT valid when I signed up. Then I was told that because I applied while l was booking, that I was offered the XXXX points and {$200.00} credit. I have NEVER seen this offer in my life!!! And today when I called they told me that since I waited 90 days after signing up that I can't get the points. They tell you to allow time for processing, so that's what I did. They being Chase.com. My 90 days would have been app. XX/XX/XXXX. I have reviewed multiple reviews online of Chase doing this!! I think their practices are very deceptive and they should have ONE offer at a time if they are going to do things like this! I would have never signed up for an offer of XXXX points when offers are posted with more points OFTEN!! I don't want {$200.00} in credit, nor XXXX miles. I want the XXXX miles I signed up for! My screenshot wasn't enough for them, of course. There are multiple websites that show the offer when I applied. If it has happened to other customers, this is a pattern. I have read where people have complained with the CFPB before to no avail. But I felt I still had to try, because this is unacceptable!! I can go to their website today and that's not the offer! Even though that means nothing. I have messages from them stating the offer was only valid XX/XX/XXXX and XX/XX/XXXX. All of the different reasons they gave have lead me to believe this happens often with them and they are used to deflecting. I have the dated screenshot of when I applied but not sure if that'll work. 

These are just a few sites that track these deals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (IL)

When I bought this car *XXXX  years old, 36 hours of work a week at {$9.00} an hour. I got approved for a car that was worth {$15000.00} for {$23000.00}. The vehicle I had bought from them broke down and due to lemon law ( I put almost 3,000 dollars into it myself in a month ) I took it back and they should of taken it back. They knew they sold me a lemon and refused to deal with me. Now I have a loan for {$23000.00} with 18.9 % interest and I do not have GAP or any warranties. Being that flipped I should have been FORCED to get gap, but no they gave me a wheel and tire warranty instead and I had no idea. I signed the papers because I desperately needed a car for work, I was in their office for 7 HOURS and Santander Consumer USA approved the loan. Now I didn't give them any income verification ... I've asked them for EVERYTHING that has my name on it, from income verification, contracts etc. They will only give me my contract and they question me on the phone about why I need it. I shouldn't have to answer that, give me what I requested. Now I'm not able to afford it along with my other debts and I'm tetering against Financial Bankruptcy at XXXX years old or letting my car get voluntary repossessed and losing my job because of no car.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

The XXXX blocked me from going into my account and making the XX/XX/XXXX payment and I was told by XXXX  around XXXX  XXXX XXXX that the Loss Mitigations department locked me out of my account. I couldn't login. I called again and spoke to XXXX around XXXX and she indicated that the department of Loss Mitigations lifted ban, she stated that I can now go on my account and make my payment. I went back online and still could not pull up my account. She allow me to make a one time free phone payment which would have cost me {$12.00} plus my late fee of {$10.00}. I have a witness to the whole conversation. I have been making payments on time never 30 days late. The last payment I made was on XX/XX/XXXX in the amount of {$1300.00}. I needed help back in XX/XX/XXXX because of medical leave XXXX  and I applied for loss Mitigations. The underwriter proposed some type of trial payment plan for three months {$1400.00} and I refused and email them stating I wasn't interested. I have never been blocked before up until today. I still login my account. I have to deal with unpleasant people every time I call. The attitude I get from them is that they are doing me favors.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/XXXX, I received a letter for Barclays indicating that once again ( a previous reduction letter was sent XX/XX/XXXX ) reducing my available credit. 

I work for a XXXX XXXX XXXX and am very familiar with the problems that Barclays are having in the USA. 

Based on the letter received yesterday ( and letter last year ), it is clear that the company does not want me as a client. 

Barclays is acting in bad faith.
Consumer complaint received 2018-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I only have one account open with 53rd Bank and my credit report is showing that I have 2 open accounts. I've called 53rd Bank several times to have this fixed and they keep transferring me to different from customer service, to loans to collections and back to customer service.
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Service Company, INC (CO)

I was contacted by CSC for billing issues with a hospital. Briefly the hospital said they would discount the bills if I paid " quickly ''. They then said to wait to pay the bills to allow it to work it's way through insurance. When it finally did, they said they would not discount it because I had waited. 

They also had bills for services which I did not request and I specifically told them I did not want. 

On XX/XX/XXXX, I notified the company in writing that they needed to stop the harassing phone calls. They continued with them : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX I told the person on the phone that I had requested they only contact me in writing. She said they had no record. 
They continued calling ... I am requesting records from the phone company. 

I called ahead to let the hospital know I was coming in for XXXX XXXX ( per a different clinic ) I arrived. While waiting for the XXXX the ER XXXX came in and told the nurse to get some XXXX XXXX. I handed her a disc and said " these were just taken, I do not want more XXXX ''. She took the disc. The XXXX dr did not do one other thing to justify any billing. She sent the radiologist in and they took XXXX. To justify billing she went against my directive and took XXXX which were not needed. She was in the room for approximately 20 seconds.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage 1. Does not offer total break down of all charges going into escrow account on website.

2. I received my new tax bill stating bill for my taxes for XX/XX/2018 stating they should be {$4900.00}. This would be a reduction in amount of my monthly payment. I have not received a reduction or any information regarding this new tax bill.

3. I filed for Homestead exemption and over 65 exemption which should reduce my taxes and my house payment. FM still taking out $ 660+ a month and I can not see any break down of this on the website.

4.I did not choose this company. I was forced to take because my closing mortgage company sold my account to them.

5. They dont even allow for online e-statements.

6. There is no place online to pay additional escrow amounts without attaching it to a payment. You have to call and talk to someone, give them your cc number and they then they take it out. I dont know these people and this is about as secure as a fish in the ocean, Yes, I use snail mail to mail it but I dont use checks.

6.I have sent them complaints on their email address only to receive an email stating someone would send me a letter in the mail regarding my concerns! A letter????? Why cant hey answer the email?

7. Backwards, unprofessional, disconnected to internet conveniences for customers. Numerous complaints on XXXX.
Consumer complaint received 2023-03-25
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. (NJ)

To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : XXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (OH)

I began the loan modification process in the Spring of XXXX. All paperwork was signed and completed and returned to U.S. Bank in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at U.S. Bank. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to U.S. Bank not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.
Consumer complaint received 2018-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VT)

My original loan amount ( principal ) was just over {$6000.00}. as of the year 2006. Over the course of years, I was never offered any viable alternative when I was struggling, other than forbearance. As a result, I have paid in interest, the amount of the original principal amount, and am being told that I still owe {$6000.00}. This whole experience with Navient is one that organized criminals would envy. This criminal financial instrument they use, while denying borrowers of reasonable options. - I have never defaulted on my loans, but I may soon have no choice. I took out loans for {$6000.00}. Paying up to {$18000.00} is the definition of usury. This is criminal. I should have been informed about other options, other than forbearance.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

A third party debt collector Portfolio Recovery purchased two collection accounts and is now trying to have me pay them for debts that were not legally obtained. Now I am being harassed by multiple phone calls to my house as well as my cell phone. I have sent a debt validation certified letter for both accounts directly to Portfolio Recovery on XX/XX/XXXX. The certified letters were available for them to pick up XX/XX/XXXX @ XXXX. As of today XX/XX/XXXX they have chosen not to pick up the letters all the while continuing to call my home and cell from different phone numbers. 
One of the amounts that have been charged off is for {$1200.00} and the other is for {$1100.00}
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Consulting Services, Inc. (CA)

I noticed that Credit Consulting Service Inc. has put a collection item on my credit report early XX/XX/2018  with original amount of {$1200.00} ; so I called XXXX to dispute and XXXX  came back to me stating Credit Consulting Service Inc insisted that this is a valid collection item -- - I strongly disagree with this statement ; as a debt collection agency, Credit Consulting Service should provide informed and justified conclusion on  the validity of the debt, rather than just taking the opinion from the creditor and ignoring the voice from the consumer side. As a result, I do think Credit Consulting Service Inc didnt comply to the Fair Credit Reporting Act by not distributing a fair and accurate summary of a consumer 's credit history to credit bureau
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXXXXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XXXX experian. XX/XX/XXXX XXXX This information is incorrect and negatively affects my XXXX XXXX. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within XXXX days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

XXXX XXXX closed my credit card account whom I've been with for nearly 3 years citing authorized users as risk factors. I add authorized users because they send me ads and promotions to add them for additional points, and now they decided to close the account. I've spoken to XXXX from the account restriction team and I've faxed in my social security card and lease but no one ever got back to me.
Consumer complaint received 2018-05-10
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. (MI)

I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit report.
Consumer complaint received 2018-06-15
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: EQUIFAX, INC. (MD)

EQUIFAX JUST DELETE THIS WRONG INFORMATION ON MY CREDIT FILE THAT U HAVE  FAIL TO CALL AND VERIFY ANY INFORMATION IS CORRECT. 

FUTHER MORE YOU ARE SUPPOSE TO PROVIDE ME PRROF AND YOU HAVEN'T AND I BEEN WAITING FOR A LONG TIME ITS BEEN 85 DAYS SINCE I SENT U A LETTER AND YOU THREW MY LETTER IN THE TRASH AND OUT THE WINDOW.. 

THATS ALARMING FOR A COMPANY TO PROMOTE NEGATIVE BEHAVIOR AND INFORMATION ON MY CREDIT REPORT.. 

I HAVE ATTACHED SOME FILES THAT I HAVE SEND TO YOU ON XX/XX/XXXX. AND XX/XX/XXXX .. no response from Equifax at all .. 

JUST DO THE RIGHT THING AND DELETE THE INFORMATION MAKE SINCE U NEVER CALL OR EVEN GAVE name and number of the person I call I ask you several times and you told me no iam not telling u anything.. 

By law you are supooe to make sure my credit file is 100 % with zero error Well here some u forgot fix these  errors ..
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greystone Alliance LLC (AZ)

I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (FL)

I am a long term customer with Navy Federal Credit Union. I am also ex military. This poses some issues because often military wives network hires and friends sometimes play with service-members accounts. my ACH drafts from my account keep being blocked internally from someone working at the bank intentionally so that my account will then owe funds to the bank for the payments not going through, so they can then INTENTIONALLY PULL FROM MY SAVINGS ACCOUNT FRAUDULENTLY. THIS HAS BEEN GOING ON FROM XX/XX/XXXX TO XX/XX/XXXX. MY BANK IS ANTICIPATING A DEPOSIT AND I TRYING TO STEAL OR PULL MONEY PREMATURELY FROM IN FRADULENTLY. I want my bank accounts to be serviced under fair practices that are non-discriminatory in nature. I have a checking and savings account with this bank. Corruption at the XXXX location is on a community level and should be monitored.
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I want to file a complaint against, SOUTHWEST CREDIT SYSTEMS, LP. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to SOUTHWEST CREDIT SYSTEMS, LP. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX