davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Experian, XXXX, & XXXX assumed this role without permission not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, & is unfair, & partial. Experian never had a permissible purpose Under 1681 b number 2. I never instructed Experian to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (IL)

Pyramiding of delinquency charges is illegal as outlined in the UDAPP. As evidenced in the attached speadsheet PNC bank has been pyramiding delinquency charges ( including late fees and interest ) on the XXXX. Tournaments credit card account. Had we known about this regulation when we filed the initial complaint this matter would have been resolved months ago. The CFPB should have caught this if they had reviewed the initial complaint. The initial complaint number was XXXX.
Consumer complaint received 2023-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NV)

I am writing to express my extreme dissatisfaction with the handling of my claim regarding an undelivered package financed through Nordstrom Card Services, managed by TD Bank. The denial of my claim and the lack of accountability in resolving this matter are unacceptable. I made a recent purchase from Nordstrom using my Nordstrom Card, which is managed by TD Bank. However, despite the package being marked as delivered, it was never received. The shipping receipt contains a signature that does not match mine, as I did not sign for any package. I have taken the following steps to address this issue : 1. Contacted Nordstrom : I immediately contacted Nordstrom 's customer service to report the undelivered package and the discrepancy in the shipping receipt. Nordstrom redirected me to TD Bank, claiming that they are responsible for resolving the matter. 2. Contacted TD Bank : I promptly contacted TD Bank 's customer support and filed a claim regarding the undelivered package. However, my claim was unjustly denied, with TD Bank insisting that Nordstrom should handle the issue. This situation has left me in a distressing and untenable position. I find it completely unfair and unreasonable to be caught in a dispute between Nordstrom Card Services and TD Bank, with neither institution taking responsibility for the resolution. I demand immediate action to rectify this situation and provide a satisfactory resolution. Specifically, I expect the following : 1. Thorough investigation and resolution : I insist that Nordstrom Card Services and TD Bank collaborate to thoroughly investigate the undelivered package and the discrepancy in the shipping receipt. It is imperative to rectify this issue promptly and ensure that I am not held accountable for an item I did not receive.

2. Clear communication and updates : I require consistent and transparent communication from both Nordstrom Card Services and TD Bank regarding the progress of my case. It is essential that I am kept informed of any developments or actions taken to resolve the issue.

3. Accountability and responsibility : I demand that both Nordstrom Card Services and TD Bank acknowledge their respective roles and take full responsibility for resolving the issue. The burden should not fall on the customer due to an internal conflict between the store and the bank. I trust that you comprehend the severity of this matter and the impact it has on customer trust and satisfaction. As a long-standing customer of Nordstrom and a loyal cardholder with TD Bank, I am appalled by this experience, which has significantly damaged my confidence in both institutions. Immediate action is crucial to rectify this situation and restore my faith in your services. I expect a prompt and satisfactory response to this complaint.

Please contact me at your earliest convenience to discuss the necessary steps to resolve this matter.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-24
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC. (CA)

Triad Financial Services is a lien holder on my manufactured home. Triad did not pay my property tax on time ( missed payment of XX/XX/year> ). Now, I received a Delinquent Tax Due with penalty on it. I left a message online to Triads on XX/XX/XXXX asking for the reason and when Triad would pay for my tax, but I got no response. I have tried to call Triads Financial Services 2 times on XX/XX/XXXX and XX/XX/XXXX. On the first call, Triad told me to wait and it's under investigation, they will pay out my tax soon. Second time, Triad told me to email the Delinquent Tax statement to XXXX, and they will pay out my tax when they receive it. I followed and emailed Triad on XX/XX/XXXX, but still received no answer or response.
Consumer complaint received 2018-11-14
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. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedXXXX XXXXL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX
Consumer complaint received 2018-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedLLY FINANCIAL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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 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
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (IL)

Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my Trans Union, XXXX, XXXX  reports
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband opened up his own account which i did not have any knowledge until he was ill. I only found out about it when a collection agency phoned and asked to speak to my husband. I told them that he was ill and unable to talk. They continued to call and I continued to tell them that he was unable to take and is very ill, this was over 2 month period approximately 10 time. I finally told them that he was to dyeing and they did change their tone. Then under stress I established a payment agreement and that is when I started receiving notices from XXXX XXXX XXXX Once my husband died, I called them to let them know that I was unable to pay the agreed amount and if we can decrease the amount, they TOLD ME THAT I NO LONGER HAD TO PAY AND CLOSED THE ACCOUNT ON XX/XX/XXXX AT XXXX XXXX DST. 

In XX/XX/XXXX, I decided to refinance my home. Found out that their was a negative comment on my credit profile. I looked into it and finally found out that it was the XXXX XXXX XXXX, on XX/XX/XXXX. They informed me that I needed to pay the amount if I wanted it off of my credit report. They did mention that this is NOT A JOINT ACCOUNT. I then asked them why does it show joint on my credit report, they did not directly explain it but mention that I need to pay it if I wanted to get my loan. He said, If I pay the loan, he can give me 10 % off of the balance. I said then why did they tell me on XX/XX/XXXX, that I did not have to pay. He said that was the best he can do. He has not called me back as of today, XX/XX/XXXX. 

This does not seem right. I was willing to pay on XX/XX/XXXX with a lower amount and they said NO, I was not obligated to, it was not a joint account. Now they want the balance!!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (TX)

This is not my account and I need it removed from my credit report ASAP! 
The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

As for " American first finance '' the company reporting late payments to my credit report, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Consumer complaint received 2018-11-14
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: Source Receivables Management LLC (NJ)

XXXX has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAG which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-12-25
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)

When I first applied for the card the store associate put the wrong address on my account. When I figured out the address was incorrect I called in to correct the address and get a new card. The agent was irritated with me so I'm guessing she didn't update the information and sent out a new card to the wrong address again. I called back to let them know I never received a card and I couldn't access my account with out the numbers on my actual card. They were sending it to XXXX. Finally, that card was cancelled and they sent out a new one. It took about 3 months for me to get an actual card so I was not able to create an account to make payments. I requested for the agent to have those late payment removed since it was their error twice and she said yes. But those late payments are still there.
Consumer complaint received 2024-01-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (VA)

In XXXX of XXXX, I requested a forbearance plan with UWM and was told I could skip payments up to a year, and when I was ready, the payments would be added to the end of my loan and I could resume my normal payment. In XXXX of XXXX, I was financially ready to end the forbearance and requested it to UWM. The website process indicated that I would resume payments as previously mentioned. A few days later it changed and I was told I had to apply for a loan modification. Since XXXX of XXXX I have gotten the run around and constant excuses and delays. I have called in dozens of times and responded to ALL document requests in a timely manner. At one point the loan modification was denied and I had to reapply. They stated my income was wrong, when I had provided all the required pay stubs and income verifications ( multiple times ). They will accept the documents and say its under review. A month later they ask for the same updated documents. Its very frustrating and a constant circle of postponement and no end. They blame the initial confusion on the forbearance on the VA that supposedly changed the program in XXXX of XXXX with no notice to the consumer. I have attempted to resolve the issue with UWM and have not been able to. PLEASE HELP XXXX XXXX UWM loan # XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NV)

Chase 's contracted insurance company, XXXX, has repeatedly asked for the same documents over and over, despite being sent multiple times including immediately after the trip cancellation due to covered causes ( a member of the trip party falling ill, with a documented covered condition as proven by the doctor 's note ). 

XXXX continuously asks for proof of future credits when proof has already been provided that there are no future credits, as the reservations were not cancelable. Now it has been several months with no response from XXXX after providing all of the documents multiple times. 

Chase advertises this coverage as one of the perks of their credit card, but the coverage is never actually provided. This is misleading and false advertising.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (ID)

I initiated the process to recast my loan with Fay Servicing in XXXX, 2023. Fay charges a {$250.00} fee for recast. I paid the {$250.00} from my checking account which was successfully processed on XXXX2023 ( see attached image from my checking account ). Fay acknowledged receipt of the {$250.00} on XXXX/2023 ( see attached screen shot from Fay ). But now Fay is showing I owe {$250.00} in fees which are for this recast fee that was already paid.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I noticed a negative reporting accounts on my credit reports. XX/XX/2024, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, EQUIFAX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX equifax and XXXX failed to mark as disputed. 

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My XXXX XXXX accounts for the school that I attended back in XX/XX/XXXX in the amount of {$2500.00} & {$3500.00} for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ended up being sent to U.S. Department of Education collections department due to supposed DEFAULT. I have all my statements supporting that I have been in good standings with my federal loans. I have talked to XXXX   XXXX associates XX/XX/XXXX & XX/XX/XXXX and yet they have not attempted to reach out to U.S Department of Education to inform them that my Lone needs to ben Referred back to XXXX XXXX. I actually have a letter from XXXX XXXX stating that my two loans XX/XX/XXXX have been discharged on the basis of false certification from the school that I attended. I am no longer obligated to make payments on lones. But yet my account was sent to U.S Department of Education even tho my account was in good standings. As far as I know somehow XXXX XXXX staff made a major mistake and they should fix it, my credit has been impacted due to them over looking Important details on my accounts. Staff maid a huge mistake on my XXXX account.
Consumer complaint received 2024-04-10
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. (NV)

According to 15USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer report shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix this.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (UT)

I've had a XXXX EXCELLENT relationship with American Express Cards with 100 % on-time payments. In 2023, with the economy and the increased cost of living, I had trouble making a few payments right on time, but still ALWAYS made the payment. I had auto payment setup and for much of the year, it worked well, There were certain months where timeframes did not line up, and the funds became unavailable within the window of payment. When this happened, I received an email notification from AMEX, and I would immediately resolve the issue and manually make the payment. In XXXX of 2023, AMEX abruptly cancelled ALL my cards including ones in good standing ( while my family was travelling. I found out mid-travel with my family of young kids ). This caused a MASSIVE disruption in our lives and that my cards were cancelled. I spent weeks attempting to resolve this with AMEX to no avail. I have the ENTIRE funds in needed to completely solve the issue, and ended up making the payment to clear my balance, but AMEX was unwilling to work with me to reinstate my accounts. I have no balance with AMEX, but the sudden end to a XXXX relationship affected my credit score significantly.