davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mortgage One Solutions, Inc. (MD)

As a seller I signed and closed my documents on XX/XX/XXXX. My house had been vacant since XXXX and the process had taken a while. On XXXX the buyer was not able to close because the buyers cash deposit was not accepted. This should have been discussed a while back. The buyer now and me the seller are in a waiting game with this lender. The lender is not responsive to my realtor and to the title company. The lending company is lending XXXX or mortgage one solutions in XXXX virginia. Their address is. Their XXXX  and XXXX reviews will tell you to stay away from them. The fact that they are not responsive with something like a home sale is disturbing and as a consumer I urge for this company to be audited and reviewed.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

I signed up for the American Express Platinum card on XXXX XXXX and was rewarded XXXX Membership Reward points on XXXX XXXX, within the 3 months required to meet spend. On XXXX XXXX I had the points wrongfully removed without any proof of misconduct.
Consumer complaint received 2023-03-10
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

On XX/XX/20, I used XXXX XXXX to shop around for mortgage refinancing rates. AmeriSave appeared to have the best rates. I was only interested in a 15 year fixed with no points. Once I selected the option based on the quotes provided ( at 2.125 % at the time ), I started the application until I got to the part that I needed to authorize the credit check. I wanted to confirm the rate I was getting before authorizing the credit check because I didn't want my credit score to be affected if the rate was not what I wanted. I called the toll free number and a loan consultant answered the phone right away. He confirmed on the phone that I would be getting 2.125 % with no points. He then collected all my information ( it took around 10 minutes ). When it got to the end, he told me that my rate without points would be 2.625 %. I was very upset because the whole reason I called was to confirm my rate before authorizing the credit report check. Needless to say I did not go with them. I then went to XXXX XXXX to check the rate options from AmeriSave again and took a screenshot. Although the rate went up slightly ( 2.25 % ), it was clear it still showed no points.
Consumer complaint received 2020-12-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the XXXX  Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I XXXX XXXX on XX/XX/XXXX, I walked into XXXX XXXX and purchased a radio to be installed into my XXXX XXXX. During the process of purchasing the radio I was told I needed to pay for the product before it could be installed, so I prepaid {$730.00} for a radio and was told I will received a call once the product come into the store. After two weeks I did not receieved a call to come get my radio installed and decided to call the merchant to see what was going on. The I left two messages in which the merchnt never called me back so I decided to dispute the amount with my bank ( Bank of America ). I disputed the transactio with BofA in which it took over 90 days to get a respond so in the meanwhile I called the merchant to try to get my money return, in which the owner XXXX stated the guy who serviced me is no longer employed and was terminated due to loss of product from his company. I tried to explained to him I purchased a radio and did not get it installed and he say " I do not know if you did or not ''. So after finally awaiting a reponse from my bank he sent Mastercard a stated saying he mailed the product to my home in which he did not. So I made a rebutal with BofA and during the process of the rebutal he told Mastercard he will install the product in which he has not as of today. Also I would like to mention due to the mutliple transaction of dispute a timeline of returning my money has expired and now I am out of a radio, installation charged and time. I am a cosumer who was fooled out of {$730.00} for a radio installation from a non XXXX owner. I tried to persue XXXX in which he is not accredited shop and nothing can be done. The name of the store is XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The owner is XXXX XXXX. XXXX claim # XXXX.
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (IA)

I bought this vehicle from XXXX on XX/XX/XXXX I was XXXX and went to XXXX  XX/XX/XXXX and got out XX/XX/XXXX I contacted the bank immediately and tried to make payment arrangements they said that they wrote off the debt as bad there and that I could no longer make payments on the loan. I know there was no right to cure sent to my address I have Usps informed delivery and I have went though every day looking for it. 
The car was eventually repoed since they refused to work with me and again I did not get any notice of intent to sale or right to fix transactions. 
When I called about the car they said they sent a certified letter of intent to sale to XXXX XXXX XXXX XXXX XXXX Iowa. This is my grandmothers house and she has received no mail for me she has lived there for 50 years and gets her mail daily. 
lastly the vehicle was sold for XXXX thats a rough figure I just seen that amount drop on the balance on my credit report. According to XXXX the cars value was well over XXXX to XXXX and if you take into the damage on the door it would take it to XXXX to XXXX so they also didnt get fair market value by XXXX to XXXX. I paid XXXX So we have several violations of Iowa state law. 
No right to cure was sent. I can prove that by proving Usps mail emails. 

No notice of intent to sale the vehicle was sent. I can prove this with my grandmothers affidavit when I asked for the tracking number for the certified letter she couldnt find it. 

Lastly the vehicle was not sold in a reasonable matter. Way under value. 

Also Im still waiting on the bill of sale and my property which I requested from the vehicle.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Coastal Credit, LLC (CA)

There is a company that has called me daily for the the past 3 business days. They are leaving threatening messages for members of my family on my telephone number. 

I answered two of the calls today and the man, XXXX stated I was lying and repeatedly called and left threatening messages. 

This is the message they left : this is XXXX contacting you once again in regards to a case is ready to be filed through XXXX XXXX county I've reached out to you several times over the last few days and all correspondence has been ignored at this point they are intending on proceeding with the order of location for _______ to your residence understand that he does still have a legal right to contact the office filing the case I will provide the information to that office once again just said that there is no way for you or him to state that you had no prior knowledge of this matter the phone number provided to that office is XXXX this is considered a final legal notification by telephone and ______will be located at your residence unless I'm instructed otherwise This is not a legal matter as I called back to verify and they are calling, harassing, regarding very old debt. 

In addition, I explained this is not those persons numbers and they still called. One lady said the company name is Coastal in XXXX Georgia.
Consumer complaint received 2020-12-21
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: U.S. BANCORP (NJ)

Hi, On XX/XX/XXXX my credit was pulled for a XXXX auto loan which I fully agreed to. Since this date, there have been 2 additional unauthorized hard inquiries, one on XX/XX/XXXX and another on XX/XX/XXXX. The subsequent hard inquiries were not authorized. I do not understand why 3 separate inquiries were needed since my original application.
Consumer complaint received 2020-12-21
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: CITIBANK, N.A. (MI)

In response to letter dated XXXX XXXX ( Shop Your Way Mastercard Account ending in XXXX Citi Reference Number : XXXX ), My sears mastercard limit was lowered from XXXX to XXXX was never sent a letter telling me my sears account was lowered.I found out my sears credit was lowered when i used it at the the sears auto center for car repairs.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my sears was converted to shop your with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called citi bank and spoke to customer service and spoke to " XXXX  '' CSR XXXX and i stated to her to produce all letters to me for shop your way card, sears lowering credit limit, etc., that was sent to me and XXXX  stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with citi bank
Consumer complaint received 2023-06-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-05-18
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. (FL)

XXXX , Equifax, and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more  than two ye ars and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up  in  XX/XX/XXXX  and I need them to fix my credit report asap, please.    CTPB please help.
Consumer complaint received 2023-06-23
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. (FL)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( XXXX ), begore the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-12-22
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I bought a product advertised as a small folding bike from a XXXX company called " XXXX '' on XX/XX/2019 for {$89.00}. They never sent me this advertised bike, but sent me a pair of socks. I contacted Capital One about this clear and obvious fraud. They initially refunded me my money, but then, after the fraudulent company sent me XXXX pages of documents, put the charge back on to my account. I called them several times about this. Their agents said that I needed to send them a letter, which I duly did, at my expense. I never heard back from Capital One! I am contacting you as I don't think it's right that I have been charged for a product that I did not receive. I also do not think my treatment from my credit card company has been satisfactory. Please help me.
Consumer complaint received 2020-12-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2015-10-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Systems, Inc (NY)

While reviewing my credit report, I noticed that a collection has been reported on my file by ACCOUNT CONTROL SYSTEMS, INC. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that ACCOUNT CONTROL SYSTEMS, INC., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (CA)

i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX