davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TN)

[ APPLE CARD/ Goldman Sachs Bank USA ] [ Goldman Sachs Bank , XXXX XXXX, XXXX XXXX XXXX, XXXX , PA XXXX ] IN REGARDS TO Account number XXXX I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-25
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

Lexis Nexis and XXXX XXXX XXXX are 3rd party consumer reporting agencies, that have been furnishing my information without my consent and according to 15 U.S Code 1681 section 602 states, ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy. Based on the discovery I have made and under the Privacy Act of 1974 ( 5 U.S. Code 552a, Lexis Nexis and XXXX XXXX XXXX have both violated my consumer rights to privacy. There are over 20 pages with 50 banking transactions per page of my banking transaction history reported to XXXX XXXX XXXX that I surely did not authorize XXXX XXXX XXXX to have. As for Lexis Nexis, there are over 20 pages of very sensitive, private and detailed information about myself, in addition Lexis Nexis disclosed some of my family members information in my consumer report as well. That is a direct violation of my and my family members privacy, and I absolutely did not give Lexis Nexis authorization to that information.. This is a high invasion of my privacy, and I am the consumer and have the right to ensure my personal information is protected and not shared with anyone that I did not authorize to have, which is supported by 15 USC 6801 ( a ) Privacy Obligation Policy which reads It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Due to 15 U.S. Code 1681b - Permissible purposes of consumer reports Lexis Nexis and XXXX XXXX XXXX need my consent to have my information. Lexis Nexis and XXXX XXXX XXXX do not have my consent to furnish any information about me and they surely do not have my written consent. Per the FCRA and ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time, as a federally protected consumer, I am now opting out of all authorization I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 U.S. Code 6802. Per 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods
Consumer complaint received 2023-08-18
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: PNC Bank N.A. (NC)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-03
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries am complaining.
Consumer complaint received 2024-03-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

This is the XXXX year in a row that Freedom Mortgage has completed my escrow payments with 3 months of missing payments that I have actually made. By not including 3 months of escrow payment in their analysis, they force me to pay large shortage amounts to keep my monthly payments low. Then, they keep the escrow money for a year. Last year, I made countless phone calls and written requests for them to correct their error. They only refunded some past-due fees ( to compensate for their error ) but they never corrected the issue. I got the same errors this year. It is my belief that they are fraudulently altering my monthly payment to inflate the amount of late payment fees they can charge. Those fees are falsely inflated on inaccurate information. That means that their customers are overcharged on all late payments for the year. This appears to be a fraudulent loophole that forces us to all actually pay higher late payment fees than what is legally allowed. 

Additionally, they are increasing my expected tax payment for next year without any new information that my payments will increase. In truth, my tax obligation will decrease due to a veteran 's exemption that we received starting XX/XX/2023.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

The account 's misreporting as open violates FTC regulations ( 15 USC CODE 1681S-2 ), harming my credit score, financial stability, and reputation. This defamation impedes my pursuit of happiness unjustly.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

The company collecting for a unknown debt is listed below. They are trying to collect {$2700.00} for a unknown medical debt. The company has failed to provide proof that the debt is mine as requested. They have proceeded to file a false report to the credit bureaus to harm me. 
GRANT MERCANTILE AGE Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX I am requesting that my rights under the fair credit reporting act be enforced as this debt has no merit.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TN)

My mother got a refund from an XXXX in XXXX, 2023 on her American Express account. In XXXX, 2023 she had a XXXX and went into a XXXX XXXX On XX/XX/ I helped her write a letter requesting to close her account and send her a check for the refund of {$1500.00}. I am the Power of Attorney and Executor of her Estate. They mailed the check to the wrong address and we requested them to resend it and they refused saying they had closed the account and it now has a XXXX balance. Just a complete SCAM!!!!! My mother XXXX XXXXXX/XX/2023 and I am the Executor of her Estate and have called AMEX 9 times trying to get this refund. They agreed that there is a {$1500.00} credit balance and they say they are mailing a check. This has gone on for 9 months and every week they say it is in the process and I should have the check by the end of that week and it never happens. They appear to be trying to keep the money and hope I go away. They should be ashamed of themselves trying to steal my XXXX year old mom 's money which is now a part of her Estate. I have mailed them her Death Certificate and Letter of Testamentary and they refuse to mail the check.
Consumer complaint received 2024-03-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

date opened XX/XX/XXXX Status : Closed written off {$4700.00} Status updated : XX/XX/XXXX Original balance : {$33000.00} Last payment date : XX/XX/XXXX I am Unaware of this debit, I did not have the opportunity to dispute this information. I did not receive proper notification if in fact you believe you gave me proper notification, please provide the certified receipt with my signature stating that I received it.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The inaccuracies for XXXX : XXXX is missing the closed date, Experian is missing the closed date and the remain on the record until date is listed XXXX/XXXX. XXXX on the record date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX list 's paid as agreed and closed date XX/XX/XXXX. Experian does not have a closed date and does not say paid as agreed, but only paid and closed. XXXX 's closed date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX has no closed date, date updated or remain on the record info. Experian has no date closed, the update date XX/XX/XXXX and the on the record until date is XX/XX/XXXX. XXXX date closed is XX/XX/XXXX and on the record until date is XXXX
Consumer complaint received 2023-08-18
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: Mercedes Benz Financial Services (TX)

MERCEDES BENZ FINANCIAL SERVICES YEAR- 2023 In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I submitted an a credit card application to XXXX XXXX  for the XXXX XXXX XXXX on XX/XX/XXXX. Upon my denial of credit I reached out to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX of Investor Relations ( email- XXXX ) per their instructions from the XXXX and XXXX forms in an attempt to find out why as a silent investor and a federally protected consumer I was denied a extention of a portion of my credit. I asked that my security/ application be returned to me since I was denied credit services but have not been contacted in any way from XXXX XXXX to remedy this adverse action. As a FEDERALLY PROTECTED CONSUMER my rights have been violated per the EQUAL CREDIT OPPORTUNITY ACT XXXX XXXX XXXX. Per XXXX XXXX XXXX prospectus I am aware that my submitted application containing my signature and social security number per the XXXX became a security that turns into a receivable, that is sold and or traded electronically that is going to generate dividends/ funds for the company. This is a unfair one-sided business transaction that only benefits XXXX XXXX  and XXXX me from any profit and or benefit even though I bartered a security with them! As per XXXX XXXX value and consideration ( XXXX ) The instrument is issued or transferred for a promise or performance. I acted in GOOD FAITH by bartering my application being a security, yet was dishonored and humiliated by XXXX XXXX As the credit card application is a contractual agreement and a ABS ( asset backed security ) between myself ( the applicant, the individual and the credit card issuer XXXX ) This adverse action against a FEDERALLY PROTECTED CONSUMER is against the law per THE EQUAL CREDIT OPPORTUNITY ACT XXXX XXXX XXXX Regulation Z, XXXX XXXX XXXX and is pursuant to civil liability under XXXX XXXX XXXX for fraud.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (TN)

I received mail from USPS from XXXX XXXX XXXX XXXX about the following : Creditor : PayPal , Inc . 
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. 

I have reached out to Paypal directly and they do not have any account number listed presently or in the past. I currently have an account with Paypal and it is in good standing.
Consumer complaint received 2024-04-03
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. (GA)

Took a look at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate.I was incarcerated for XXXX  years and never opened account with this company. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX  is not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows cause to believe that the information is inaccurate. 

check attachments below
Consumer complaint received 2023-12-22
Product: Mortgage — FHA mortgage
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: City First Mortgage Services, LLC. (AZ)

I hired XXXX XXXX to be my loan officer for my home purchase. She completely dropped the ball on getting my loan done on time. She did not communicate. She did not answer the phone. She did not respond to texts or emails. She did not request documents that were needed in a timely manner which resulted in my loan not being done by the end of escrow. She had 45 days to get my loan done and she waited until the last week before closing. She also failed to provide me documents needed to apply for a grant that was communicated at the beginning of the process which resulted in my cash to close increasing XXXX. After many many failed attempts by all parties involved to get in contact with her, constant excuses of why things werent getting done, the sellers got irritated at her lack of communication which resulted in them not approving an extension and me losing the house and all the earnest money and other costs because of XXXX XXXX failing to do her job.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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 2024-04-03
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-10-04
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: ALLY FINANCIAL INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and ALLY FINANCIAL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.