davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I received email from " XXXX '', domain owned by synchrony bank, promising " EXTRA 10 % on Top of 15 % Off Any Single Item Thru XXXX '' if i apply for their credit card. 

I applied for a credit card, got it, went to store. Manager told me that bank not giving them option to add 10 % discount and told me to call bank. 

I called bank, bank told me that they do no offer promo with 15 % off. Bank refused to provide any other resolution.
Consumer complaint received 2023-08-06
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. (PA)

Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus
Consumer complaint received 2023-11-25
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$710.00} ; XXXX  XXXX XXXX Balance : {$2000.00}.
Consumer complaint received 2023-12-01
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. (NC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : Experian 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-30
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: TIDEWATER FINANCE COMPANY, INC. (TN)

Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.
Consumer complaint received 2023-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (NC)

Mariner Finance is relentlessly contacting me via phone calls.They call sometimes multiple times a day as often as 6 days a week. I have explained my financial situation to the company multiple times. I do not dispute the validity of the debt at all. However, being haraased continuously is not going to make me be able to pay them any faster without the funds to do so. I even attempted to block them from calling my cell phone. This was to no avail as they are still able to call from the blocked number repeatedly and leave repeated voicemails.
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (IL)

On XX/XX/2023, I spoke with 3 different reps at Loan Depot asking why my mortgage increased from {$1800.00} to {$2300.00}. They all told me my taxes and insurance increased. When I asked for proof of my tax increase, they said it was an estimate. My insurance did double, but it still does not constitute increasing my payments {$490.00} per month. 

The rep said an analysis was mailed to meet, but I never received anything. 

I was told that they had to " loan '' me money to pay for insurance, but that I have a positive balance in my escrow account, approximately {$2300.00} after they paid my insurance for the year. I could not understand why my taxes and insurance increased almost {$500.00}, I have a positive escrow balance and they have no idea what my 2nd installment tax bill will be. 

Loan Depot said the {$490.00} will stay in place for 12 months. That's {$5900.00} in addition to what I'm already paying into escrow for taxes and insurance. 

I requested to have my escrow removed and that I would pay in myself. I was instructed to email a wet signature request. I confirmed that I would be receiving a check for the {$2300.00} plus the escrow paid on XX/XX/2023. The rep said it would take 30 days. I emailed the request on XX/XX/2023 and loan depot acknowledged receipt. Approximately 2 weeks later, I received a letter denying my request because my XXXX must be at 65 % in order to remove escrow. Bottom line is that I'm a first time homeowner, I've been in my house for a little over a year, 14 months and my mortgage went up an additional {$490.00} based on a guessed 2nd installment tax bill. PLEASE HELP.
Consumer complaint received 2023-04-11
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX  XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Per 31 U.S. Code 3104 Certificates of indebtedness and Treasury bills ( b ) Notwithstanding section 3121 ( a ) ( 5 ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue. Which stipulates 31 U.S. Code 3121 Procedure : ( a ) In issuing obligations under sections 31023104 of this title, the Secretary of the Treasury may prescribe ( 1 ) whether an obligation is to be issued on an interest-bearing basis, a discount basis, or an interest-bearing and discount basis ; ( 2 ) regulations on the conditions under which the obligation will be offered for sale, including whether it will be offered for sale on a competitive or other basis ; on the basis of this the company did not report accurately in fact is in violation of 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' They did not get my written, verbal or electronic authorization to conduct or report to any which also puts them in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. With this all being inaccurately reported is in fact a violation of the Privacy Act of 1974. This account is an adverse item they are reporting again without my permission which is against the law.
Consumer complaint received 2023-12-01
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. (OH)

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX XXXX XXXX Account Date : XX/XX/2020 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, experian, XXXX, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX XXXX I have made complaint with the FTC XXXX XXXX  XXXX State Attorney and the XXXX. I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I deposited a an insurance settlement check, that was handed to me by my personal injury attorney. The accounting department at the law firm informed me that my financial institution could call and verify the funds in the check so that there would be a minimum hold time. 

I deposited the check on XX/XX/XXXX, and received an email the same day stating that my check deposit will be available in 2 business days. This was an ideal timeframe for me, as I am required to pay my house rent by the XXXX  of XXXX. 

I then received another email from navy federal, the following morning of XX/XX/XXXX, stating that my deposited check will be held for 5 days. Here is the content of their email : We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within 5 business days of your deposit. 

After receiving this email, I promptly called navy federal to discuss this change in their position, and to explain to them that the check that I received is from an insurance settlement, handed to me by a law firm that informed me that my financial institution could call and verify the funds. I was met with complete resistance, and told that navy federal does not have a department that verifies checks, and there was nothing further that they could do. 

I then proceeded to call numerous times to check the status of the my deposited check, and was told that my deposit would clear at XXXX of XX/XX/XXXX. I was told this on the phone by two different navy federal employees. With this information I was able to inform my landlord that my bank is releasing the funds and rent will be sent to him by XXXX of XXXX XXXX. I stayed up all night waiting for the funds to realize in my account, from my check deposit, but the funds never appeared. Causing further delay of my funds, and issuance of a notice to cancel my lease contract for non payment. 

I am a decorated XXXXXXXX XXXXt Veteran, who was injured in XXXX, fighting the XXXX. To be treated with such disregard to my livelihood, by a financial institution who markets, and prides themselves on their relationship with the military/veteran community. I am now at danger of becoming a homeless veteran because of navy federal gross negligence and complete disregard for their clients financial obligations. Why did I fight for our country, and get wounded, just to come back to America, and have a military affiliated financial institution hold my funds for a longer period than initially reported ; putting me in grave danger of becoming a homeless veteran?
Consumer complaint received 2024-01-25
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc. (NC)

In XXXX XXXX XXXX  I disputed this collect that was tied to a different collection agency XXXX XXXX on behalf of XXXX XXXX XXXX for the amount of {$190.00}. They agreed closing the account and removed all adverse actions off of my credit report. In XXXXXXXX XXXX XXXX I received notification that Automated Collections on behalf of XXXX XXXX has applied the same debt of XXXX to my credit report without prior notification and with out the required documentation laid out in the fair credit act to prove it is in fact my debt such as a signed contract from the agency in question.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have an impound account with my mortgage company to pay taxes and insurance for the home I currently own. On XX/XX/2018 the company paid the property tax erroneously on a property that I no longer own and failed to pay the taxes on the correct property I do own. I contacted the company on by phone on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. The company not only has not resolved this mistake but sent me a letter indicating that my mortgage payment will increase due to an escrow shortage.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agency
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt. 

XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX I send Experian a affidavit, FTC form , a copy of my social security card and copy of my id
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (WA)

To Whom it may concern, I was recently made aware of an error after reviewing my consumer report, NAVY FEDERAL CREDIT UNION is in violation of 15 U.S. Code 6802 ( b ) ( B ). 
I the consumer XXXX XXXX was not given the opportunity to OPT out of my personal non public information being to disclosed to third parties. 

15 USC 6809 ( 4 ) defines nonpublic personal information as The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 

my payment history with NAVY FEDERAL CREDIT UNION is a transaction which makes this a clear violation of the law. 

Please update my payment history on XX/XX/XXXX from late to current on the consumer loan opened in XXXX of XXXX
Consumer complaint received 2021-08-12
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: Mercedes Benz Financial Services (IL)

Paid loan off with Mercedes Benz Financial Services years ago ( 8 ) and never got release. Husband died ( XXXX ) sent death certificate and Mercedes Benz Financial has still not released lien letter! 
The title ( provided ) has both my name and my deceased husbands name.
Consumer complaint received 2023-04-24
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.