davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues. Please investigate my problem and let me know what steps to do next.
Consumer complaint received 2023-12-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CO)

During the pandemic of 2020, I was receiving my XXXX funds on the u s bank reliacard, with no issues for months. Then upon the emergency relief aid from the XXXX came more relief funds, as The crisis became a longer shut down. Well outta of nowhere I was blindsided by the last XXXX to XXXX weekly XXXX deposits being frozen by USBANK. For months upon months I offered to ID VERIFY, send info, or fax anything .... they went of no assistance and they were unreachable during the pandemic for the most part. They always redirect me back to the XXXX  office which redirected me back to them because they were the ones doing the illegal activities. 

I was left in great distress because if this and face painful hardships because of them, that still leaves me feeling victimized, enraged, and extorted. 

I would like every single dollars of my hard earned tax dollars Unfrozen and claimed to me via a direct deposit or check. 

Not certain, but I'm surely owed about {$1200.00} to {$1600.00}.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 item of information, other than records of convictions of 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-23
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: Atlanticus Services Corporation (CA)

On XX/XX/XXXX a purchase was made on my Aspire MasterCard for {$860.00} from XXXX. 

I reported the unauthorized purchase on XX/XX/XXXX. They cancelled the account and sent me a new card and emailed me a fraudulent charge affidavit on XX/XX/XXXX. 

I returned the completed affidavit on XX/XX/XXXX with all information including that I was still in possession of my card and that I had had it throughout the month. 

On XX/XX/XXXX they let me know they had reversed the charge and were continuing with the investigation. 

In XXXX the charge was put back on my account. I called on XX/XX/XXXX and was told that XXXX supplied information saying the charge was made by me. I asked if the company could send me the information that supposedly came from me and reiterated that it wasn't me. The service rep told me they'd resubmit the claim for evaluation. She asked if I had any other information I could send and I answered " I don't have any other information since I had nothing to do with the charge or knowledge of the company. '' In XXXX, I realized the charge was still showing on my account. After a little phone tag, on XX/XX/XXXX I reached a rep who ( I think ) then transfered me to the XXXX department. She said the merchant form shows they had my name, email, ID and phone number which is why they overturned the case. I asked to be sent the merchant information. She told me I had to call the office that actually does the investigations and gave me a number. 

I called the number several times and always got a voicemail asking me to leave anumber and they'd call back the next day. I left a few messages and received no call back. 

On XX/XX/XXXX I left a message and someone called back on XX/XX/XXXX. But then they said they couldn't see the full information so I should call directly to investigation ( where I though I had left the message on XX/XX/XXXX ). After hanging up, I realized the number I had just been given was the same number I had called multiple times before. I went ahead and called it again and left a message but have not heard back. 

So I've seemingly never been able to reach the people actually in charge of the investigation and have not received any documentation from Aspire or XXXX of how the charge was received and why it was approved.
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (NC)

On XX/XX/XXXX and XX/XX/XXXX XXXX. I made 2 payments towards the loan. I started to receive phone calls telling me I was late for XXXX payment. After checking the transactions on their website it showed I didn't have a payment due until XX/XX/XXXX. After receiving the 1st phone call I checked the website again and found the 2 payments had been returned. At this point I was late. I called my bank XXXX XXXX and asked why the payments were stopped and was told that both should have gone through and there was no flags at all on this account. I spoke with XXXX from XXXX and he said they didn't have the ability to return a payment and that XXXX XXXX had stopped both payments. After reviewing the transactions since this loan was first started I saw strange principal/interest payments one month very low then the next month extremely high. Now that these 2 payments were returned I have to pay by debit card and pay transaction fees. This is not the first time I have issues with this company as you can see in my account history. I blame myself for getting involved with them again. But there's something very wrong and under handed with these people. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il
XXXX  Il, XXXX  Dear Bureau,
I am writing to inform you of an issue regarding improper use of my credit report. Attached to my
SSN, it appears that XXXX XXXX and Experian have violated the FCRA by including
inaccurate information. Upon reviewing the credit report, I found numerous discrepancies,
including incorrect addresses and accounts for which I never provided written permission. As
instructed on your website, I've enclosed documentation proving my identity.
Under the FCRA, only accurate information should be included in a consumer's credit report.
However, the information provided by XXXX, XXXX, and Experian is not accurate. I have
consulted with legal counsel, and I am prepared to take this matter to court if necessary.
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit
report. Additionally, I request that all personal information associated with my account be
replaced with the details of XXXX XXXX XXXX  Below are the accounts that need to be
removed: Employers: XXXX XXXX XXXX Previous Addresses: XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX XXXX XXXX XXXX XXXX XXXX Il ,
To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and
unauthorized accounts from my credit report. Additionally, I request that all personal information
associated with my account be replaced with the details of XXXX XXXX XXXX , as provided below:
1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX(experian)
XXXX XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(experian)(XXXX) XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(Experian)(XXXX) XXXX XXXX XXXX XXXX (XXXX)(Experian) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TD BANK US HOLDING COMPANY (NJ)

Bank : TD Bank, NA Loan : Mortgage Account Number : furnished upon request In XX/XX/XXXX, I had refinanced my mortgage loan with TD Bank as a conventional 30-year loan. It was not an FHA, VA, or USDA loan. Just a conventional loan held directly with the lender ( TD Bank ). Furthermore, it was never disclosed to me at the time of settlement that my loan was backed by XXXX XXXX of XXXX XXXX. 

In XX/XX/XXXX, I unexpectedly lost by job due to downsizing, thus significantly impacting my household income. Since XXXX, I have been paying my mortgage in full on a monthly basis, and continued to do so since XX/XX/XXXX. I have NEVER missed a payment, even through this time of loss of income, and am considered a customer in excellent standing. I have all of my deposit accounts, as well as an auto loan, with TD Bank as well. 

On XX/XX/XXXX, I called TD Bank and spoke with two associates - one in Home Lending and the other in their Financial Services Group ( FSG ). The associate in FSG was a supervisor. I inquired about mortgage forbearance and mortgage deferral to help me during this time of significant financial hardship. To my surprise, I was informed by both associates that my mortgage loan does not qualify for forbearance or deferral since it is considered an " investment based '' loan through XXXX XXXX. The only solution they offered was a potential loan modification, which is not an acceptable nor viable option for me at this time. I requested that TD Bank confirm my mortgage loan was conventional, however, they stated it was an " investment based '' loan through XXXX XXXX  instead. It was NEVER disclosed to me at the time of settlement, nor at any time during the lending relationship since XXXX, that my loan is backed by XXXX XXXX of XXXX XXXX. 

According to the CFPB website, federally backed mortgages ( which includes XXXX XXXX and XXXX XXXX loans ) are eligible for forbearance : https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/ I am filing a complaint against TD Bank based on two reasons : 1. Their failure to properly notify me that my loan is backed by XXXX XXXX 2. Their decision to flat out disqualify me mortgage forbearance or mortgage deferral, since they classify it was an " investment based '' loan through XXXX XXXX, despite the fact that this type of loan is indeed eligible for forbearance, per the CFPB TD Bank failed to disclose significant information about my loan being held by them. Furthermore, they lied to me about being ineligible for forbearance.
Consumer complaint received 2023-12-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company (IL)

XXXX XXXX XXXX has submitted a debit in my name to a debit collector. I have two insurance providers which should have been billed but were not. This is now reflected on my credit as of XX/XX/23 when I have worked so hard to improve my credit. I have told the company to contact the hospital to send the billing to XXXX  to no avail. The company that reported to my credit and who has been harassing me is MERCHANT CREDIT GUIDE CO @ XXXX. The amount is {$570.00}
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has failed to update my personal information including my phone number email and address after sending documents in on numerous occasions. The XXXX line no one answers the phone ever. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have mailed in bank statements driver 's license Social Security card everything. No response no update 4 months
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OH)

This complaint is about Shellpoint, mortgage, a division of newrez. XXXX XXXX  XXXX, XXXX MI XXXX. 
On XX/XX/XXXX Shellpoint mailed a letter that have lander playced flood coverage on my mortgage at the cost to me of {$1500.00}. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX, who has insurance with flood coverage provided it to shellpoint. Shellpoint claims they have not received it. 
On XX/XX/XXXX I talked to them on the phone, and representative have found it, and said problem have been resolved. 
On XX/XX/XXXX Shellpoint mailed another letter that they have no flood coverage. Called them on XX/XX/XXXX and emailed them proof of flood coverage to XXXX. Representative confirmed the receipt. 
Lander-placed coverage was purchased anyways. 
This is the THIRD YEAR IN THE ROW this keeps on happening. At this point, I am convinced that it is done deliberately. Now I have to spent next month or two asking shellpoint to remove lander-placed coverage. 
PLEASE, investigate this, as I believe this company does shady, not to say fraudulent activity while servicing mortgages. Also, if you could ask them to remove ill-playced coverage without me wasting hours on the phone, i would greatly appreciate it.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

I tried to use my card at a XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, GA on XX/XX/XXXX, XXXX {$46.00} XXXX XXXX - {$31.00} I put the card in my XXXX wallet and it didn't take either time AND I HAD ENOUGH ON MY CARD TO COVER THE PURCHASE. I've never had this problem with Amex gift cards before. I called the XXXX number and they read from a script about added security and use at online stores which brings me to I tried to use it at XXXX for {$10.00} on XXXX XXXX and it wouldn't take it.I was depending on that money.
Consumer complaint received 2024-07-04
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (OH)

Ive applied several times for an Apple Card after receiving MULTIPLE emails to preview my new credit limit. I remember applying by way of submitting application/ security/ promissory note back in XXXX when they first began advertising. I was denied due to my credit report. I began receiving back to back email advertisements the beginning of this year ( XXXX ). I have submitted applications /securities/promissory notes 2 additional times in XX/XX/XXXX after recording over 20+ emails to Preview my new credit limit. And after receiving denials, I received 10+ additional advertisements. I initially was excited receiving the email because I thought I was approved all this time while experiencing financial difficulties and I thought that was a means of an end to the issues. Just to see that I was completely denied. This is considered bait and switch. This is false and misleading representation. I have also read on their documents on the Security Exchange Commission and saw that they are securitizing our applications and pooling them into trusts to trade across the secondary market ( XXXX XXXX XXXX XXXX ) after turning the application over to get the Original Issue Discount from the Treasury Department without giving me MY EXTENSION OF CREDIT. They are committing securities fraud and they are not reporting anything to the IRS which is now going into tax evasion. I sent an email in response and no one responded. I then called the investment line and explained my issues and the individual had a supervisor call me back and that individual stated they do not have to comply with UCC, they do not go off of third party websites ( SEC.gov ) and stated the decision is final.
Consumer complaint received 2024-07-04
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. (NV)

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. 

I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. I demand that you promptly investigate this matter and remove the fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX