davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/ XXXX XXXX
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC (TX)

The underwriter, Stearns Lending, requested excessive documentation to refinance a loan I applied for. the unusual requests started right after the underwriter found out I had XXXX  last names as I was born in XXXX and XXXX last names are used there. 

The underwriter racially profiled me and requested much more documentation to what is normal. I eventually gave up on complying with the submit of the documentation requests.
Consumer complaint received 2018-05-11
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. (NJ)

In XX/XX/XXXX I was falling behind on my XXXX XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XXXX XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

Per FCRA, 15USC1681E ( B ) all information must have maximum accuracy ... the date bankruptcy reported is incorrect... more importantly the bankruptcy court did not report the information to credi bureaus, therefore the information obtained could not have been verified by the court ... that represents inaccuracies and by LAW and should be deleted immediately from all 3 bureaus Thank You
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (UT)

Hi- this is a general complaint about the issuance of credit cards. I filled out the form as best I can, but there wasn't an option for " other '' so I had to select some of you default options. 

My complaint is that after an application card issuers are not required to disclose the amount of credit that they would offer you before you accept the offer. 

This makes it challenging for consumers and businesses to limit the number of accounts they open for credit management or other purposes because they can't see how much a card issuer is offering before they accept the account. 

I think CFPB rules should require that after an application for a credit card the issuer should be required to disclose the credit limit they would be willing to offer and the business or consumer should be able to negotiate at that point based on their needs or decline the offer. 

If this wasn't the right way to submit this feedback, please channel it to the right people. I think this is a very fair consumer protection to allow a consumer to see the total credit line before accepting a new account so that they can shop between issuers without having to open an account just to see what credit line is available. 

Thanks, XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is one of my numerous 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. Please delete.
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc. (TX)

I have problems repaying back Solo Funds due to unexpected expenses that I couldn't control. I told them that I needed more time to pay a partial payment they offered me, but accuses me for breaking that promise. I didn't intend to break any promise and I'm really having a hard time paying the loan.
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I sent out a dispute letter in reference to XXXX account. I received no response. I sent out a Cease and Desist prior to XX/XX/XXXX and XXXX representatives continued to call me. 
On XX/XX/XXXX I sent a letter to XXXX Vice President & Assistant General Counsel disputing the same account and did not receive a response. 
On XX/XX/XXXX I wrote and email attempting to have this account closed due to macys error and the representative apologized and offered late fees to be removed. I asked again for the alleged debt to be validated and received no validation. 
On XX/XX/XXXX I sent a follow up email in reference to me and my telephone number being on the do not call registry since XX/XX/XXXX and received no response. In this letter I provided pictures of the numerous calls I received all hours of the say as well as the messages left. 
A few of the calls I was able to obtain were on the following dates : XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX and many other calls. All of these calls were after the Cease and Desist was sent as well as after my registry on the Do Not Call Registry on XX/XX/XXXX.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It's been over 30 days and the creditor XXXX XXXX  XXXX XXXX ) has not updated the information NOR has provided proof or documentations regards to improper use of my credit. They have not supply this information and they must delete the alleged verified hard inquiry on my credit report. Under federal law they had 30 days to complete the investigation and provide written evidence and by failing to do so the negative item must be deleted from the report as soon as possible.
Consumer complaint received 2023-10-19
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. (MI)

DELETE XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

In XX/XX/XXXX I used my Bank of America ( BofA ) VISA credit card to purchase a product from XXXX XXXX. The item was pictured in the XXXX on line catalog. I received the item ( a clothes dryer booster fan ) on XX/XX/XXXX. It was not the item shown in the XXXX XXXX on line catalog, and was a less quality and less operative item. I contacted XXXX XXXX by email on XX/XX/XXXX and conveyed my concern. XXXX XXXX instructed me to take a photo of the item I received and email them the photo. On XX/XX/XXXX, XXXX XXXX then emailed me instructions to return the item to an address they provided, and they would issue me a refund. On XX/XX/XXXX I shipped the item via XXXX and received a confirmation of delivery by XXXX, signed for by XXXX at the address provided XXXX XXXX, on XX/XX/XXXX. XXXX XXXX never refunded me. 

I contacted BofA with the challenge to charge. On XX/XX/XXXX I received a letter from BofA. The letter was dated XX/XX/XXXX, post marked by the USPS XX/XX/XXXX. The letter instructed me to respond by XX/XX/XXXX or my claim would be denied, which was impossible to do since the letter as stated above never got delivered by the USPS until XX/XX/XXXX.. In the letter XXXX XXXX told BofA that I had received the item and I was using the item. I provided copies of the email instructions from XXXX XXXX and a copy of my XXXX delivery confirmation to BofA. BofA denied my claim because I FAILED to meet the BofA deadlne. I contacted BofA to appeal and they denied my appeal, again stating that I FAILED to meet the response deadline of XX/XX/XXXX. Interestingly BofA said that they had the XXXX XXXX for 3 weeks before the generated the letter to me and they were not at fault for USPS not delivering the letter to me in a timely manner.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

recieved couple of letters saying my account was overdraw and needed payment. last letter was XX/XX/2023 from citizens bank XXXX XXXX XXXX XXXX XXXX, RHODE ISLAND XXXX
Consumer complaint received 2022-12-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing a complaint because the Credit Bureau TransUnion has not followed through with their 30 day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX XXXX {$590.00} account number : XXXX
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX SSN : [ ssn ] | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Court : U.S. Bankruptcy Court Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy Thank you, XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX incorrectly reported a late payment to each credit bureau which is shown on my credit report. The company claims that everything is accurate on their end, and verified that each payment has been made on time. I have filed a dispute through the company as well as directly with each bureau and each XXXX XXXX XXXX XXXX XXXX claims the information is accurate when it is not.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TMX Finance LLC (PA)

Did a title load with XXXX XXXX alone parent company TMX LLC was too I will be receiving restitution because the company was based in XXXX  and I live in XXXX  and it was illegal to do business with people who live in XXXX  as far as title loans
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (PA)

I have an issue with the Audi Financial Services. At the end of my lease program, I decided to buy out my vehicle. Maturity date for my lease was XX/XX/XXXX. I overnighted them a certified check in the full residual amount of {$32000.00}. They have received my check on XX/XX/XXXX. Since then, they keep sending me letters that I have never paid off or returned my vehicle and that I will be billed accordingly. I called them on XX/XX/XXXX, spoke with XXXX extension XXXX and was assured they have received my check and it will be applied to my account and I should receive my title shortly. Today, XX/XX/XXXX, I have received another letter in the mail stating that I havent purchased or returned my vehicle yet. I looked up my account online and there is a total due {$620.00}. I keep calling them, they tell me everything will be applied and processed but nothing is being done. They will ruin my credit score. The phone number I am calling them is XXXX.
Consumer complaint received 2023-07-07
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for 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 Balance : {$83000.00},
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXK XXXX INQUIRY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX INQUIRY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  INQUIRY : XX/XX/XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY XXXX XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Credit Collection Services is harassing me about an alleged debt that I do not owe. Please be advised that Credit Collection Services has VIOLATED the FDCPA by contacting me WITHOUT my consent. Credit Collection Services must cease-and-desist ALL attempts to collect an alleged debt including communication, direct and indirect. DO NOT CONTACT ME AGAIN unless it is to furnish the forward flow agreement signed and notarized. If not, it constitutes harassment. This communication has been documented and any future attempts will result in seeking damages. See attachment example of harassment and abuse.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am a customer of HSBC USA. In early XXXX, I found that my account was locked by HSBC USA. After negotiating with HSBC USA, they believed that my bank account was at risk and that it was necessary to re-examine it. During the negotiation with HSBC USA, I stated in detail that I am a XXXX customer and that I applied for and used an HSBC USA account in compliance with U.S. laws. I requested them to restore my account as soon as possible. However, it's been a month and they still haven't reinstated my account. I think they are severely discriminating against XXXX customers. They casually suspended my account just because I am from XXXX. This has had a very serious impact on my life. We have always known that the United States is a country of freedom, equality, and democracy. I can't believe that in this land, such discrimination against other ethnic groups is still happening. At the same time, I believe this is the work of a small number of companies. I hope CFBP can uphold justice for us consumers and provide a fair environment for this land so that discrimination against other ethnic groups will no longer happen in the United States. God bless the United States.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (AZ)

My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XXXX XXXX He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/. I need this removed from my credit. Thank you for your time.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 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 2023-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information for the second time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX