davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act 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
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank constantly mailed me a pre-approved credit line offers. 
Recently I decided to give them a try, so I applied for a pre-approved credit line offer they mail to me. 
As XXXX XXXX  with a long experience in the e-money industry and the payment systems, I applied with confidence as I take care of my credit score/report, reasonably utilize my credits, never missed a payment, keep myself up to date about the payments system industry and never got a credit application rejected. 

TD Bank performed a hard inquiry to my credit report, and on XX/XX/2020, I got TD Bank decision for my credit application, that stated that they are unable to grant my request for credit for the following reason : " Unable to validate information provided on your application ''. 

What information they weren't able to validate? They just provided an elastic and foggy reason that would allow them to deny any application regardless of any provided facts! 

And why didn't they communicate with me if they still need more verifications before taking their decision? 

I don't accept TD Bank 's decision, request my application to be double-checked, and request them to provide a clear and reasonable reason/s if they are still unable to grant my request for credit! 

Note : I checked TD Bank web-site to find any E-mail I could use to communicate with them or any appeal process, but they don't share such type of communication channels. 

Attached are copies of TD Bank mail and my XXXX  credit report for your reference. 

Thank you!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (NJ)

The office of my governor suggested I contact you regarding the repossession of my car during this coronavirus crisis. On or about XX/XX/XXXX, my car was repossessed. I called the bank to inquire what need to be done for the return of my car. I was told that I needed to pay the full amount of my outstanding balance of {$36000.00}. I offered to pay the outstanding overdue arrears of {$1300.00} plus {$10000.00} toward the {$35000.00}. This would leave a balance of {$24000.00} for refinance. I explained to the person that I am a XXXX XXXX and had been in the hospital and I only get pay if I go into work and that I am still not well. I feel behind in my payments. I was told that they do not do a refinance and that the only option was to pay the full {$36000.00} if I want my car back. The car is scheduled to go to auction on XX/XX/XXXX. I pointed out to the person I was speaking to that by auctioning my car they would not get the full price back. At least, they can get their money back from me. Since we are still in stay home state order, I am assuming that my car is still available. I would want my car be deliver back to me. 

I am a XXXX XXXX currently working XXXX  from home. I have XXXX XXXX  and would appreciate it if someone would help me in this matter. 

Thank you
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

I was an authorized user on the Citibank CBNA credit card of my father XXXX XXXX XXXX. My father has not had the credit card in years. I am about to purchase a condo and that credit card appears on my credit report as open. It has a {$49.00} balance and an {$8400.00} credit limit. 

My broker suggested that I correct it since it may affect my credit rating.
Consumer complaint received 2023-10-12
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (CO)

Hello, my name is XXXX XXXX on XXXX XXXX of XXXX I was in the process of getting a loan and during that process I was scammed out of my money. They hacked my bank account and deposited funds into the account as a credit they also made me withdrawal money and take out XXXX XXXX cards. I was told if I buy a XXXX XXXX card for this amount itll boost my credit score which in return Ill be able to take a loan out for XXXX. When trying to stop the process and get my money back I was told to get XXXX dollars and Ill get back the XXXX that was taken from me. I didnt have the funds because they ended up taking my money and now my bank is charging me an overdraft of XXXX because the withdrawals that were made, my card was in my access and they cant provide me with those funds.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that Equifax, XXXX XXXX XXXX XXXX XXXX XXXX remove immediately. 


The following items are fraudgalent and unauthorized. 


Equifax Creditor XXXX XXXX inquiry date XX/XX/2023 Equifax Creditor XXXX XXXX XXXX inquiry date XX/XX/2023
Consumer complaint received 2023-10-12
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cedars Business Services, LLC (NY)

We have requested from Cedar Financial a list of all of the client consumer debts that we provided to hem to collect, but they refuse to do so. Even worse, XXXX XXXX of the company keeps gaslighting and provoking me with constant nonsensical allegations not to communicate with her or to include others of my choosing on our email correspondence, even though these are my debts being collected and I can choose whomever XXXX XXXXXXXX I want to include. In the latest fiasco this women refuses to provide us with a list of our debtors so that we can give it to our bankruptcy lawyer for our upcoming law firm XXXX XXXX bankruptcy case, something which we desperately need and require to turn over to the bankruptcy court and trustee. Instead she responds with one-liners, incomplete lists, or no responses at all. Please urgently investigate and advise.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Winklevoss Exchange LLC (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below GEMINIXXXX XXXXXXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I filed a complaint with your institution against XXXX XXXX XXXX because they placed an account on my credit that did not belong to me and they never contacted me before placing the account on my credit. Once I contacted you and wrote them another notice to advise them they were in violation of the FCRA the account was removed account number XXXX XXXX XXXX XXXX XXXX XXXX  

I am due to go into labor any day now and another collection company called IC Systems has placed the same account on my credit for XXXX XXXX XXXX account number XXXX they also have not contacted me or verified the debt- they just placed it on my credit. Keep in mind it was just 45 days ago that the account from XXXX XXXX XXXX in this regard. 

I have also filed a complaint with the bbb and the ftc
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX US DEPTARMENT OF ED 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 XXXXXXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-10-08
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)

There is information on my consumer report that a result of identity theft I saw that I had some unauthorized inquiries, and I do not know where they came from. I believe I am a victim of identity theft, and these inquiries are hurting my credit report. I am in process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 


Experian 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
Consumer complaint received 2023-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: KEYCORP (NY)

my account went into forbearance due to the covid 19 pandemic, and after the forbearance period ended i tried to make payments and additional payments to catch up on my debt the return the monies as overpayment and started foreclosure proceedings.
Consumer complaint received 2024-03-13
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 writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

RE : Home Loan # XXXX I have respectfully submitted all the Home Loan documents to Wells Fargo XXXX numerous times since XX/XX/XXXX to the current. I recently received another letter dated XX/XX/XXXX requesting for the same documents to be sent again. This is a delay tactic being done by Wells Fargo XXXX since I have filed complaints with the Consumer Financial Protection Bureau and sent letters to President Joe Biden and Members of Congress and the Senate. I will continue to send letters to the White House regarding Wells Fargo 's Retaliation and Discrimination against me and my family. My family and I have been a victim of home foreclosure in XXXX by Wells Fargo Bank and XXXX. Very painful and traumatic experience. We hope and pray that my family will not have to go through Home Foreclosure again. My son is XXXX and all this stress is not helping my family members. 
Wells Fargo XXXX continues to ask the same questions and are now asking more questions that really does not have really have anything to do with the actual Home Loan Modification process. New questions are about LegalShield membership that I utilize for XXXX XXXX letters to protect my Civil Rights under the Constitution of the United States. XXXX payments periodically I send funds to my XXXX XXXX named XXXX XXXX and has no job or income and currently a student. XXXX XXXX is a graphic designer that my friend and sent payment for some flyers and artistic designs. This is not a recurring. 
I purchased the XXXX XXXX XXXX on XX/XX/XXXX because it is important to drive a safe reliable vehicle as a rideshare driver who does a lot of driving for a living. I put XXXX DOWNPAYMENT for this vehicle. I returned the XXXX XXXX XXXX vehicle to XXXX XXXX on XX/XX/XXXX. The XXXX XXXX already had about XXXX miles upon surrendering it. The vehicle would not be deemed safe with such high mileage. 

IMPORTANT NOTICE : California Mortgage XXXX has sent Wells Fargo Bank around {$13000.00} in XX/XX/XXXX. Both Wells Fargo Bank and California Mortgage XXXX XXXX to send the Evidence of this payment and acknowledge the SOURCE. I keep sending numerous requests for this information but they still will not honor this truthfully. I am respectfully requesting for a letter stating that this occurred. 
My greatest concern is to save our family home from FORECLOSURE and respectfully requesting Wells Fargo Bank and XXXX modify the mortgage to be a fixed rate with affordable monthly payments with no derogatory remarks on my credit score. 
I am not being represented by XXXX XXXX XXXX XXXX in XXXX XXXX. 
Looking forward to the conclusion of this long awaited Home Loan Modification request. Long live the American Dream of Family and Home.
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a Debt with The XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 
I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.
Consumer complaint received 2023-08-08
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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