davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I closed on my home last year on a existing property kin XX/XX/2022. The mortgage payment was approved for {$1500.00}. My mortgage has been sold three times and is was with originally Rocket Mortgage, then XXXX, now XXXX. XXXX XXXX is increasing my mortgage payment now t {$2700.00} that is XXXX difference in monthly payment. The taxes were incorrectly calculated with the original lender and not in good faith. I dont even know where they got the calculation of taxes but it was far more than what they stated which now i am in a situation that is messing up my mortgage monthly payment. XXXX XXXX  has approved me to stretch it for three years to pay back but it reduces my monthly payment to XXXX this still increases my mortgage payment to over XXXX dollars i do not have. I need rocket mortgage to be penalized for fraudulant actions and adjusting the loan just so i can be approved but not taking into the account the real amount i qualified for would not been practical with my XXXX. Now i am in a situation that is not good for me nor my XXXX children.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear TransUnion Dispute Center, I am writing to formally dispute and seek the correction of inaccurate information on my credit report, specifically related to Employment Information and Addresses, in accordance with XXXX XXXX compliance standards. 

1. **Employment Information Dispute : ** The reported employment information pertaining to " XXXX XXXX XXXX is inaccurate and not in alignment with XXXX XXXX guidelines. I request a thorough investigation into this matter and prompt correction to ensure compliance with the XXXX XXXX XXXX XXXX. 

2. **Addresses Dispute : ** The following addresses reported do not adhere to XXXX XXXX standards and require immediate attention : - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I urge a meticulous examination of these address entries and the subsequent correction to align with the XXXX XXXX reporting requirements. 

In compliance with XXXX XXXX guidelines, I am prepared to provide additional documentation for address verification. Enclosed is a copy of my cell phone bill, which serves as a substantiating document meeting the requirements of XXXX XXXX reporting.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (VA)

Opened a checking account with an advertised {$500.00} bonus. Multiple customer service representatives confirmed over multiple weeks that all terms for the offer were met and that the bonus would post within 90 days of account opening. It has not. A ticket was created for escalation last week and I was told Id receive a call back within 2-3 business days by the team confirming the bonus was applied, this has not happened.
Consumer complaint received 2023-12-23
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CL Holdings LLC (LA)

I received a letter informing me that Effective XX/XX/XXXX XXXX XXXX sold my Account Balance ( Overdraft Protection line of credit ) to Jefferson Capital Systems , LLC. 
This letter instructed me to login to web portal ( XXXX ) to make payment. Balance of {$3600.00} on statement dated XX/XX/XXXX. Balance of {$880.00} on statement dated XX/XX/XXXX - Payment Due Date XX/XX/XXXX. I logged in XX/XX/XXXX and scheduled payment XX/XX/XXXX in amount of {$880.00}. This payment appears on my bank statement XX/XX/XXXX. I received statement with amount {$19.00} due XX/XX/XXXX. I called company and requested fee be removed from account. They declined to do so. I did not ask for explanation because in my opinion there is no reasonable explanation.
Consumer complaint received 2023-09-23
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

Balance transfer/payment from from my XXXX credit card of {$3000.00} was sent to my Citi Card credit card. They have stated multiple times that my check was never received or cash, but my XXXX credit card is stating Citi received and cash check.
Consumer complaint received 2023-09-23
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (PA)

I made a purchase online of a product that appeared to be XXXX XXXX XXXX. However, I never received confirmation and realized it was most likely a scam. {$50.00} was coming out of my account from XXXX. There was no other information. I immediately called customer support for my card, Dasher Direct, and was told they can not help me or reverse the fraudulent transaction. They hung up on me several times. Payfare International is the card company.
Consumer complaint received 2023-09-23
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. (CA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

Cancellation Request not properly updated for XXXX XXXX XXXX XXXX, please find duplicates of the correspondence sent through certified mail on XX/XX/2023, addressed to both the XXXX XXXX XXXX XXXX XXXX and the Aargon Collection Agency. This communication pertains to the reported debt, which, to date, has not been validated nor elicited a response.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-23
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. (IL)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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. (CA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$5900.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3900.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired XXXX XXXX XXXX, XXXX DEPT OF EDXXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF EDXXXX XXXXXXXX Balance : {$5900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$1900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$3000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$10000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$350.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$10000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2018 I requested an increase on my Walmart card. My current credit limit is {$210.00} I've asked for an increase as low as {$100.00} as high as {$500.00}. I was denied the increase stating that my credit it's not good enough. They advised me 5hat they get credit info from XXXX. On that date I checked my credit score with XXXX and was told my score. My credit score on XX/XX/2018 was XXXX. Walmart is telling me it is XXXX.

I asked them to please reconsider and they told me they will open up an investigation to look into it to call back and 30 days. I called Walmart credit card services on XX/XX/XXXX to find out what happened I was told that the denial still stands. They can not tell me what the reason is but will send out a general letter stating it could be delinquencies on my credit, credit score too low or something in that general description. I asked if they could please give me in detail what is keeping me from getting the increase they refused to. I don't know if they're looking at someone else 's credit score and credit history or it's just outright discrimination. I owe nobody I make {$60000.00} a year and I have no delinquencies my credit score has gone down to XXXX because of interests of re lfinancing my home. I would like to know what is wrong with my credit to keep me from getting an increase. Thank you so much for your time.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC (CA)

I received in the mail blank court forms for a default judgement for an alleged debt that had been filed in my local court but was taken off the court calendar as I have no contract with this debt collector for any debt, nor is there any debt to be collected from me by any entity. Sending me blank court forms in by mail to threaten or intimidate me is mail fraud. 
I have repeatedly told this debt collector to ceases communications with me and they refuse to do so. This is particularly alarming due to the fact that there is no debt to be collected by anyone anywhere against me. Their behavior towards me had violated almost every provision of the FDCPA according to the FTC.
Consumer complaint received 2023-12-22
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. (NJ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Derogatory Remark reported on my XXXX XXXX account noted with 30 days past due payment. 

XXXX XXXX was contacted and sent correction letter via email, forwarded to 3 credit bureaus. 

XXXX XXXX XXXX immediately removed negative remark. However, Transunion Never received for 2 years. 

Sent multiple online dispute but Nothing ever received not resolved. 

Registered /certified mail was sent. 
Originally Transunion said they never received. 

After a month. Magically letter was received. Investigation took more than 30 days with No change.
Consumer complaint received 2023-04-26
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 — Investigation took more than 30 days
Company: Global Lending Services LLC (IL)

Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.
Consumer complaint received 2023-12-22
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. (CA)

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  all this inquiries reported to my credit report by some one who has my info and try to open credit cards.