davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
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: EQUIFAX, INC. (TX)

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Based on my first dispute, XXXX  deleted this account because it was in violation. But yet, XXXX  and Equifax are still reporting this inaccurate account with different information, which is in violation, delete per violation. XXXX  reporting high credit as zero, and Equifax is reporting high credit as XXXX, this is different information, delete this account. In addition, XXXX  is reporting two-year payment history as unknown and yet Equifax is reporting two-year history as current, all in green, per violation delete this account. For your records and my proof, I have enclosed a snapshot of my credit report.
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Keypoint Mortgage, LLC (PA)

I am the Realtor working with a Buyer who was securing financing with the Keypoint Mortgage. During the transaction, on or around XX/XX/XXXX - The buyer was initially supposed to have 1 months mortgage payment escrow, which changed significantly to 3 months mortgage payments in escrow. Though the buyer had funds in their account, buyer 's assets couldn't be sourced/verified. The loan officer advised that the additional closing costs can be paid outside of settlement directly to the Seller. I advised that this was illegal, to which the loan officer said it was not. 

On or Around XX/XX/XXXX, the same loan officer called me directly to tell me he had a buyer referral. The buyer was to pay in cash and the loan officer asked me how he could benefit from the transaction. He asked how he could make money " on the side ''. I advised that it was illegal to pay a referral fee to anyone outside of a Real Estate brokerage, to which he replied that it wasn't and people do it all the time. I insisted I wasn't the right agent for him. 

The loan officer continued to update the Listing agent ( with incorrect info ) instead of the Buyer ( the client ) or the Buyers agent ( me ), causing confusion and hindering my ability to negotiate effectively for the Buyer. 

The loan officer displayed misogynistic behavior and speech when talking to the Listing Agent about women in the workplace/field. As well a speaking derogatorily about his younger coworkers while was on a call with him. 

The loan officer was harsh and disrespectful towards our support staff and made her feel very uncomfortable. 

The entire transaction was chaotic, unprofessional and would have been illegal had I not spoken up. 

Buyer asked to lock their rate, to which the Loan Officer advised him against it. ( I was on that call and heard the agent refuse to lock it ) Later in the transaction, he locked a rate that was only good for 15 days, and much higher than the earlier rate, forcing the buyer to pay points and causing unnecessary stress to close quickly. 

The Buyer ultimately lost the home due to poor communication on the Lenders part and lack of trust the Sellers developed towards the Lender. ( The Sellers would not extend the closing date )
Consumer complaint received 2024-10-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (SC)

Reached out multiple times to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is the address dictated on my credit profile via certified mail to have them on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> I've sent multiple letters in attempt to have the debt verified but have yet to reach out nor send responses.
Consumer complaint received 2024-11-01
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. (MA)

I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX XXXX XXXX {$950.00} / {$800.00}
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MO)

XX/XX/XXXX, XXXX completed all required documentation for Public Service Loan Forgiveness and uploaded information with both Mohela ( loan servicer ) and Federal Student Loans ( Department of Education ). 
XX/XX/XXXX : called and messaged Mohela for more information. Mohela representative explained that my application was under review and it could take 30-90 days. 
XX/XX/XXXX : Mohela sent a message regarding XX/XX/XXXX message stating that the XXXX message was being reviewed. 
XX/XX/XXXX : I messaged Mohela to inquire about the status of my loan forgiveness. They reported that no additional information was needed and that my refund would be reviewed in another 60-90 days. 
XX/XX/XXXX : Mohela responded again that I met the qualifications for forgiveness. 
XX/XX/XXXX : I contacted Federal Student Loans and was told they could see no application for forgiveness.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

maccordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the aceounts below :
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (IL)

I PROVIDED PICTURES OF MY ID, SSN, AND ADDRESS BELOW I contacted this company about inaccuracies on my credit report which is stoping me from obtaining credit. 

I am not liable for this debt with Credit Corp Solutions In. I dont have a contract with XXXX Corp Solutions In. I asked Credit Corp Solutions In, to provide me with the original contract over XXXX days ago. 

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ CREDIT COPR SOLUTIONS ] [ XXXX ] XXXX : [ CREDIT COR ] [ XXXX ] XXXX : [ CRCORPSOL ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (CT)

On XXXX I accompanied my XXXX friend on a vacation in XXXX because she had no one to go with. We we to XXXX XXXX XXXX XXXX in XXXX. She told me she had a presentation to go to, being extremely tired I didnt want to go but she was weak and needed the assistance. When we got to the presentation that started off with one rep, we were fed mimosa on our empty stomachs. The presentation went on for a while with us and I still had no full understanding of what this person was trying to convince my friend to do. We ended up being transported to another location where there were 3 other people awaiting our arrival. They then focused their attention on me the guest. With more drinks offered, I engaged in this because I was hungry and my friend was exhausted. They were so relentless in their pursuit that they convinced me that this is not a timeshare but a vacation club that could be canceled. I took the bait and signed a tablet. Gave them my credit card. Because I wanted us to escape the pressure and feeling intoxicated but mostly because my friend 's XXXX effects was rearing its ugly head. When I returned to the States I tried canceling 2 times without success. My final attempt I was told 30days had passed. So I am not even aware of I owned. I havent taken a trip to any resort since I was tricked and misled. Now they have me reported to the credit bureau. My friend XXXX XXXX has XXXXXXXX XXXX months after that ill fated trip.
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

Sychrony Bank uses outdated information and duplicate form letters to justify lowering my credit limits on all my accounts with them. One of their reasons for lowering my credit limit on all my accounts is lack of real estate. I have sent them proof that i own a home, but they choose to ignore that. I am in the process of paying down my debt. Each time they reduce a credit limit, it portrays a false picture. For instance, if my credit limit is XXXX and I owe XXXX, I still have XXXX to use. If they lower my limit to XXXX, as they did in this case, I am now up to the credit limit. Each time they do this to me, they reduce my credit score and make me look like I'm not using my credit responsibly. I'm tired of it! I am currently paying down all my Synchrony accounts and will not use this bank any longer. They have contacted me and my husband because they have done this to his accounts as well, but they send the same letters over and over stating the same reasons and do not look at anything we send to off set their decision. I will keep filing complaints as long as they keep harrasing me regarding this.
Consumer complaint received 2017-05-19
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. (CA)

I had two student loans from XXXX XXXX which were serviced by XXXX. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX.  From that point forward, XXXX has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. XXXX, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By XXXX continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with XXXX by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, XXXX indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, XXXX continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue XXXX for its willful behavior.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCT GROUP INC. (CA)

Your agency placed an unauthorized collection on my credit file without required notice. I dispute this debt and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). You must cease all collection activity until you provide complete validation.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my own behalf. Per 15 USC Code 1681- 2 ( a ) ( 1 ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not reflect on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my legal and written consent or instructions. No consent constitutes identity theft and fraud. As a federally protected consumer, I am exercising my rights and demanding the removal of all the listed accounts mentioned in this report immediately.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft. There is inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting 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 (CA)

I have 7 credit card accounts with AMEX. Over a period of 7-8 years, I have maintained a flawless credit history. In XXXX, AMEX started dropping on of my credit limits down by 90-95 % of my original limits. When I called to asked them about it, they claimed it was because of the information in my credit files. When I asked how did you get information from my credit file when I did not apply for credit, and how would you access my credit information when I have my account of a " Locked Status '' - They said they can occasionally peer into a person 's credit report for review or extension or reduction in credit. I informed them that they don't and didn't have a right to just arbitrarily gain access to my credit history without my permission to request or be granted access without my knowledge. That's why it's call a " Credit Lock '' - or else what is the purpose of that feature if others can access it without my knowledge? 
They continued to state that they can access anyone 's credit report for an extension or denial of credit. I informed them, that they were wrong. This is my credit history with my personal and private identifying information that I would have to grant you access to it, which keeps organizations like you, or scammers from accessing personal and private information. 
So, I told them based on my stellar payment history with them, and no late payments with or any other credit grantor, that no none else has taken " Adverse Action '' against me for having a stellar payment history. They couldn't justify why, and kept trying to convince me that somehow they can look into my " Locked '' credit information without my permission to see if they wanted grant or deny me for an extension of credit. They still insisted that somehow they can access my information. Then, what is the purpose of me " Locking '' my private information if anyone like you can just willy-nilly have unchecked access to it. 
They have used whatever false information to XXXX to gain permission without my consent in order to get the information they told me they were granted by XXXX to lower the limits on all 7 of my credit card accounts, that had a Zero Balance and a remarkable credit history. AMEX has illegally found a was to either use my information or by some other means have XXXX to grant them access without my consent. Something needs to be done about this ...! If they are doing it to me, they are doing it to others.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Payments were made on the account and creditor evidently refused payment because they reported account late which is a violation of 15 USC 1666 ( b ) a ; 15 USC 1681e ; 15 USC 1692. Creditor has engaged in harassment initiated on XX/XX/year> and has continued not less than twice daily with phone calls starting as early as XXXX XXXX XXXX until the hours of XXXX XXXX XXXX. These actions performed by the creditor has caused emotional stress and mental anguish with the repeated calls throughout the day everyday.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (PA)

Re : XXXX XXXX XXXX XXXX XXXX  On XX/XX/year> a fraudulent cash advance was made at a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX in the amount of {$2900.00} on my XXXX XXXX. I did not make nor did I authorize this charge. I can easily prove that I nor my wife were anywhere near XXXX XXXX XXXX on XX/XX/XXXX, let alone take out a cash advance at a XXXX XXXX XXXX. We both work for the XXXX XXXX XXXX XXXX and can provide clock rings and witness statements for that entire week. I have called XXXX XXXX XXXX  and also sent XXXX certified letters with return receipts that they accepted. I have requested all information regarding their investigation. They have not provided any information and still claim that I am responsible for this fraudulent charge. Interest as accruing as I write this email. 
I can prove we were not in XXXX XXXX  XXXX on this date, XXXX apparently has made no attempt at comparing my or my wife 's signatures with that used by the fraudster, and they certainly haven't compared my previous purchasing patterns with this charge. Also the phone number on my credit card contact information was fraudulently changed to a phone number with a XXXX XXXX XXXXXXXX area code. Once again neither me nor my wife have ever even been to XXXX XXXX  XXXX and we do not use XXXX XXXXXXXX XXXX XXXX XXXX refuses to remove the {$2900.00} charge from my account and also the fees that accompany it. 
Thank you for your help in this matter
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Someone stole my social security number and name and used this information to open an account with XXXX XXXX in XXXX. The fraudsters failed to pay the bill, and the company turned it over to a collection agency : LVNV FUNDING LLC. The fraudulent account was reported to XXXX on XX/XX/XXXX. Amount : {$170.00}. 

I have never lived in XXXX. This account should have never been opened in the first place. XXXX  XXXX acted in a reckless and negligent manner by opening an account in my name without verifying the information provided by the criminals. Just XXXX did not even notice that I'm a prior victim of identity theft. 

XXXX refuses to remove the account from my credit report because the collections agency " has verified '' it is accurate. IT'S NOT. IT'S FRAUDULENT. I HAVE NEVER LIVED IN XXXX, BUT XXXX XXXX SINCE XXXX!!! And I've been out of the country for a year now. 

My credit score has decreased as a result of both companies ' negligence. XXXX XXXX should be investigated for failing to follow basic protocols to ensure that no accounts are opened without proper identity verification. 

I demand that XXXX XXXX write off this debt as fraudulent, contact the collection agency so it stops demanding payment from me, have all three bureaus remove this fraudulent charge from my credit report, and immediately close all existing accounts in my name and refrain from opening additional accounts in the future or other remedies will be sought. 

I demand that LVNV Funding immediately stop all collection attempts and communicate with all bureaus to have this fraudulent information removed from my report. Stop opening accounts in my name! I also demand that the utilities company and the collections agency inform me of every single account opened using my information, including but not limited to address of service, dates of service, balance and others. 

ACCOUNT reported to XXXX on XX/XX/XXXX : XXXX I have never heard of these companies prior to receiving an email from XXXX XXXX informing me that this account was added to my report.
Consumer complaint received 2024-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

Upon obtaining my credit report, I noticed a debt listed and immediately sent a cease-and-desist letter to the collection agency in XX/XX/XXXX. Despite this, the company continued to send letters and make calls in XXXX XXXX XXXX XXXX XXXX XXXX disregarding the cease-and-desist request. This behavior constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), as the collectors communications fall outside the permissible categories. I am pursuing legal action for harassment. spoke to said company today spoke to XXXX and he did verify all of the violations.