davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC (MN)

cross country mortgage will not stop calling me after i submitted an inquiry for a heloc. I have asked them no less than 4 times to remove me from their list and stop calling. I have already closed on a heloc with another lender.
Consumer complaint received 2023-12-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (AR)

I took a loan out with XXXX XXXX  back in XXXX and XXXX. The company wrote one of my loan off and placed in my credit report that both loan was paid off 100 %. I been un the impression that I was debt free from the company until I received an advertising letter in the mail saying I was being sued. I was in told shock and I started inquiring into this matter. I reached out to XXXX XXXX and the rep told my to file a dispute and a complaint. There was nothing she could do on her end the account is with Velocity. I then called Velocity and the Guy told me I would have to speak with their attorney. I tried to explain to him that no one has contacted me regarding this matter from this company. He replied I still have to talk to the attorney, I called their company and explained to the Rep that both accounts I had with XXXX XXXX has been reflecting in my credit report that I have paid both accounts off. I have been under the impression that both accounts were resolved until now. 
The Rep just told me that the law suit has been filed and there was nothing she could do. Very un professional. There was no ( let me look into this or call the company to see what we can do to resolve this. )
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

After reviewing my credit report i have noticed a lot of inaccuracies on my credit report that are harmful to me. i would assist with removing these items, so that i can secure a home loan for me and my family. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law. 

XXXX XXXX : Account XXXX XXXX
Consumer complaint received 2024-07-01
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite my repeated attempts to address these inaccuracies and my requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-12
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I just paid my XXXX XXXX bill at the beginning of XXXX, on time. Today I needed a part for my hot water tank and when I tried to pay my card was declined even though I knew i had available credit at least as if a few days ago. I called the toll free customer service number where I was immediately met with a message that my account was closed and after battling with their automated system I spoke to a live agent who reiterated the account was closed and that a letter was sent. I checked my email and sure enough XXXX XXXX ago I got an email saying I had a " digital letter '' from Synchrony and had a link to view it. The PDF-based letter outlined their justifications for closing my account, none of which had anything to do with my payment history on the account itself. They use their own proprietary credit scoring model on top of all that which is not accessible like XXXX and other scores.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681 c. ( 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 with 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 2024-08-05
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (DC)

I XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Washington, DC XXXX, am writing this affidavit to bring to your attention the inaccurate and misleading information reported by Exeter XXXX, pertaining to my credit file, specifically related to account number XXXX I urge your prompt attention to rectify this situation and take appropriate actions against Exeter XXXX for their violations and deceptive practices. 

XXXX. Inaccurate Reporting of Repossession : XXXX XXXX inaccurately labeled my credit file as a repossession when the vehicle was voluntarily surrendered in XX/XX/2017. The repossession status is misleading and damaging to my creditworthiness as the vehicle was willingly returned, not repossessed. 
XXXX. Violation of Right of Rescission : XXXX XXXX failed to provide me with the right of rescission concerning certain transactions related to the purchase of the vehicle. This violation further emphasizes their lack of adherence to consumer protection laws. 
XXXX. Deceptive Advertising and Violation of 15 U.S. Code 1605 : XXXX XXXX engaged in deceptive advertising practices by misleadingly representing down payments and installments, violating the provisions outlined in 15 U.S. Code 1605. Such deceptive practices are detrimental to consumers and require immediate investigation and remediation. 
XXXX. Misrepresentation of Loan Transfer : Finance reported the account as a charge off and sold it to XXXX XXXX XXXX XXXX XXXX. However, I have not received any information regarding the transfer of the loan, and XXXX XXXX continues to report to credit agencies as the lender. This contradictory reporting has created confusion and uncertainty regarding the status of my loan. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate actions against XXXX XXXX for their violations of consumer rights and deceptive practices. I also request that XXXX XXXX be held accountable for the inaccuracies in reporting and the resulting damage to my creditworthiness. 

I have attached relevant documents supporting my claims, including copies of credit reports, correspondence with XXXX XXXX, and any other pertinent records. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to rectify these issues and ensure that consumers are protected from such unfair practices.
Consumer complaint received 2024-07-01
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. (DE)

These inquiries were not initiated or approved by me, and I believe they are fraudulent. The inquiries in question are as follows : XXXX ( XXXX inquiries ) XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries and am requesting that they be removed from my credit report immediately. These fraudulent inquiries have negatively impacted my credit score and do not reflect my credit activity accurately.
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BMO Bank, N.A. (CA)

BMO loan officer XXXX XXXX promoted a loan program on a XXXX XXXX  consisiting of XXXX realtors. first of all, all banks forbid marketing and promotion on XXXX ; 2nd, she said this program excluded XXXX, this is discrimination against XXXX. I checked with a BMO XXXX  loan officer, he said its not true. XXXX XXXX is misleading realtors. BMO shall prohibit XXXX XXXX from marketing on XXXX and distributing misleading and discriminating promotion. This exposed the bank to endless lawsuit risk. 

I attach print-screen of her marketing ( in XXXX ).
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLIPHANT FINANCIAL, LLC (NY)

On XX/XX/23 Oliphant USA , LLC furnished a collections account onto my XXXX credit report. Oliphant failed to contact me regarding the alleged debt before furnishing this information to XXXX. Per Regulation F : 12 CFR 1006.30, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act, information about a debt before the debt collector : i. Speaks to the consumer about the debt in person or by telephone ; or ii. Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. 

Oliphant did neither. They furnished inaccurate and detrimental information to my credit report without contacting me and allowing me to dispute the information or request validation as set forth by the Consumer Financial Protection Bureau. 

XXXX failed to properly investigate this and provide resolution. Instead, XXXX claimed that the account was verified as accurate.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

RE : DISPUTED INQUIRIESXXXX. 
ON XXXX XXXX, I RECEIVED MY CREDIT REPORT FROM EQUIFAX AND IT SHOWED INQUIRIES THAT I DID NOT AUTHORIZED. I UNDERSTAND FULLY THAT EQUIFAX SHOULDN'T BE ALLOWED TO PUT AN INQUIRY ON MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. I ASKED EQUIFAX CREDIT BUREAU TO REMOVE THE INQUIRIES FROM MY CREDIT REPORT WITHIN THE 15 DAYS OF THE LAST NOTICE OF THIS LETTER. THE FCRA LAW STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONE'S CREDIT IS FOR : A. A FIRM OFFER OF CREDIT B. INSURANCE C. EMPLOYMENT D. COURT THE FOLLOWING CREDIT INQUIRIES ARE RELATED TO NONE OF THE AFOREMENTIONED PERMISSIBLE XXXX XXXX XXXX : XXXX XXXX. 
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 AND AS A MATTER OF FACT UNAUTHORIZED INQUIRIES ROUTINELY ARE REMOVE FROM ALL CREDIT BUREAUS IF THE CONSUMER DID NOT GIVE THEIR WRITTEN CONSENT IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT LAW THAT THE CREDIT BUREAUS SHALL REMOVE DISPUTED INQUIRIES FROM A CONSUMER 'S CREDIT REPORT PROMPTLY. XXXX XXXX XXXX IS NOT AN INQUIRY, IT'S A DEBT COLLECTOR AND I NEVER SIGNED INTO AN AGREEMENT WITH THEM. MY LAST NAME IS NOT XXXX XXXX AND MY PHYSICAL ADDRESS IS STILL WRONG AFTER I SENT EQUIFAX THE PROPER IDENTIFICATION, WHICH IS A VIOLATION OF MY CONSUMER RIGHTS. SHOULD EQUIFAX FAIL TO RESPOND TO THIS LETTER WITHIN 15 DAYS, I WILL NOT HESITATE TO REPORT THESE VIOLATIONS TO MY STATES ATTORNEY GENERAL, THE FEDERAL BUREAUS AND THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing this formal grievance and a request for immediate action on your part. You are improperly reporting to XXXX, consequently harming my credit. Concerningthe provisions of the FCRA, also known as the Fair Credit Reporting Act, you are acting dishonorably. Acts of non-observance can result in fines and damages. I am only offering you one last hope for the suitability of this alleged credit situation. I had previously sent you a letter informing you that you were inappropriately reporting. Furthermore, in that request, I did assert your requirement ( s ) to properly modify my file. Because of your now-clearly ongoing misreporting ( s ), albeit all or any unfair and/or unethically non-compliantly reported insinuates that my forwarded notice wasdisappointingly belittled and or denigrated.
Consumer complaint received 2023-12-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Trying to use an American Express gift card is virtually impossible. XXXX, XXXX, XXXX, XXXX XXXX, no one accepts them. You have to wait and hope that a physical store might take it when you're out. And if they do, they place limits on it so you can absolutely never use the full amount the card is worth. This is a well established and recurring problem and yet no government agency has ever tackled the issue of how these cards are basically money traps. You buy them and can't get the money back out as intended. You contact the company and the only way to get a hold of a human is to say your card was stolen. They check and see the card has funds and they offer no assistance for you other than suggesting you " try another retailer, in person ''.
Consumer complaint received 2024-02-14
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: BARCLAYS BANK DELAWARE (MD)

On XX/XX/XXXX I called what I thought was XXXX XXXX XXXX Support.The purpose of the call was to change my award travel ticket to a different date. The phone was answered Customer Support so I had no reason to think it was anything other than XXXX XXXX.. 

The support desk said they would change the ticket date for me but in the transaction they asked my for my credit card number. I thought this was very odd but I mistakenly gave it to them. I was worried about it and after I hung up, I called XXXX XXXX again to make sure the ticket change was legitimate and it was, XXXX days later I received a phone call from Aviator Master Card asking me about a charge for {$980.00} from something called XXXX XXXX XXXX. I said that I did not authorize any transaction to XXXX XXXX. 
I disputed the charge since I never spoke to anyone at XXXX XXXX XXXX. 
When I disputed the charge, XXXX through Barclay 's Bank XXXX issued a credit for the amount and investigated it. 

After the investigation and my speaking to Barclays on XX/XX/year>, they claimed that XXXX XXXX showed documentation that I authorized the charge. Barclays said that because I authorized the charge they would not cover the {$980.00}. I asked if they heard a phone recording or what documentation did they receive to substantiate that claim? I tried to call XXXX several times. No one answers the phone and I also emailed them to ask about the charge. I never received a reply. 

Barclay 's Bank representative says that because the travel agency said that I authorized the charge that means that I did. But I did not authorize anything to XXXX XXXX. I have since found out that XXXX is a scam company. 

My complaint is with Barclays Bank and the XXXX XXXX XXXX.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am trying to make a payment on a new loan. The loan is not " booked '' yet is the term the respondent 's employees use. I was advised by an employee by the name of XXXX that if I supplied my application number which is XXXX that I would be able to make a payment after supplying that number to their " approved application department. '' I verified that the dealership has been paid by the respondent. Unfortunately, the respondent is engaging in dilatory practices and is refusing to accept a payment.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CO)

The issue at hand is that the bank was aware of my medical and financial issues at the time and were told I would be receiving a lump some from my XXXX XXXX XXXXXXXX and they started placing fees on my account saying there are late fees when I have been making payments to ny account. They have also been giving me NFS fees when I did not set up autopay. Its not duplicated complaint.