davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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: TD BANK US HOLDING COMPANY (FL)

I received a Target credit card within the last six months but never actually used it. My original limit was {$2000.00} and I noticed on my credit report that it was reduced to {$500.00} without notice. I was in the process of buying a home and concerned about my debt utilization so I called Target and requested that the card be canceled. The Target employee explained that it is common practice for Target to reduce credit limits to prevent fraud ( however the reduction of my credit limit could be avoided if I regularly made purchases ). Clearly this is an ploy to get consumers to use their Target card more often. The employee talked me out of canceling and assured me that my original limit would be reinstated. 

In the meanwhile the mortgage company re-ran my credit to secure me a better interest rate. Thankfully my interest rate decreased by 1.25 % because my score improved last month. 

I checked my score report today and found that they did not reinstate my original limit as promised and my credit score decreased by six points subsequently.

Had that happened two weeks ago I would not have secured a better interest rate and Target wouldve cost me thousands of dollars over the life of my mortgage. 

Reducing credit limits to entice people to utilize their Target credit card is deceptive practice at best. It can have a detrimental impact on ones credit worthiness.
Consumer complaint received 2024-08-06
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. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove 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 relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-06
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. (MN)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.
Consumer complaint received 2024-08-06
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. (TX)

Experian has added XXXX XXXX XXXXXXXX back on my file after I requested to get the fraud alert removed the rep from the fraud dept refused to do it and said I need to send in documentation but I refuse to do that because I already done that too many times. The account was supposed to be blocked by Experian but Experian add the account back on my credit report and I didnt apply for this account nor I had this card before and I think the fraud rep was angry at me because I hung up on her and she put the account back on my credit report XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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)

Account # XXXX XX/XX/year> XXXX  It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I opened a Venmo Account a few years back. I forgot I had the account and get a email reminding me on XX/XX/2021. I went in to check my account but it would not allow me to logon. I contact Venmo and explain I could not log on with my email, phone number or password. My phone number changed because I bought a new phone. Venmo sent different ways to try and get in but nothing worked, I am still locked out of my account. I made a new account and locked out of it and Venmo ask for ID I sent a copy of my social Security Card and Drivers License. I have tried to change the password but it ask for the old phone number to send a code I no longer have my old phone. I have money in my account and I can not retrieve the money. I have tried to wait on Venmo to continue to work with me on my account. Venmo went away and never came back.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

The following account could not be verified or validated by XXXX XXXX store card. All information including SSN, Address, DOB and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The following account could not be verified or validated by XXXX XXXX store card. All information including XXXX, XXXX, XXXX and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Lexis Nexis. Case # XXXX XXXX County
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (KY)

I OBTAINED A CREDIT CARD FROM XXXX  XXXX XXXX  BACK IN XXXX OR XX/XX/XXXX, THESE PEOPLE KNEW THAT I WAS ON XXXX XXXX XXXX PAYEMNETS, ANYWAY THEY SENT ME A LETTER DATED ON XX/XX/XXXX STATING THIS DEBT WAS REPORTED CLOSED AND THEY REPORTED TO CREDIT REPORTING AGENCIES AS " CLOSED WITH A XXXX BALANCE '', THEN THEY SOLD THIS ACCOUNT TO A THIRD PARTY VENDOR BY THE NAME OF RESURGENT CAPITAL SERVICES WHO DECIDED TO TAKE UP THIS CLOSED ACCOUNT AND HAS CONSTANTLY HARRASS AND THREATEN ME WITH PENDING LITIGATIONS AS I STATED TO THEM I ONLY RECEIVE XXXX BUT THEY DID NOT LISTEN AND STILL I RECEIVE HARRASSING PHONE CALLS, LETTERS, POSTCARDS AND THE LIKE WITH THREATS OF LEGAL ACTION, I WAS REFERRED TO THE '' HELPS NON-PROFIT LEGAL TEAM '', AND THESE COLLECTION PEOPLE STILL DISREGUARDED THESE PEOPLE 'S ATTEMPTS TO MAKE SURE THEY KNEW I WAS ONLU ON XXXX BENEFITS AND THEY COULD NOT RECEIVE ANY PAYMENTS .THIS CURRENT THIRD PARTY VENDOR ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX AND ALSO RESURGENT CUSTOMER SERVICE CENTER XXXX XXXX XXXX XXXX XXXX SC XXXX THEIR TELEPHONE NUMBER IS XXXX ( XXXX ) XXXX OR XXXX ( XXXX ) XXXX FAX NUMBER.
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (GA)

XXXX XXXX IN PARTNERSHIP WITH XXXX XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX  AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2021-03-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (MS)

Thursday morning on XX/XX/XXXX I go to access my account. It has all my funds on it roughly over, XXXX dollars on it. All of sudden i go to the atm and it says unable to use card at this time. This EPPICard company has placed me on hold for 5 hours and no one has picked up the phone. Im on a trip and Im basically stuck.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (VA)

I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached bank statements, the paid in full letter, and screenshots to substantiate all of my evidence.
Consumer complaint received 2021-03-12
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: AMERICAN EXPRESS COMPANY (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN EXPRESS Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc. (OH)

Company called me today X/X/2017 and asked to speak to my wife. After asking why, representative said that it was a personal matter. They keep calling me 24/7, and will never stop. Keeps using XXXX  phone numbers to keep calling me, examples are XXXX and XXXX. They are doing this, because incase I block them intentionally, they will try to call me back with another number locally. I want this company settled. Also, representative was very rude to me, and demanded to speak to my wife. I do not have a account nor my wife has one with this company.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

XXXX erroneously processed an in-network claim as being out-of-network. They re-processed the claim correctly and made additional payments and I then paid my remaining bill in the amount of {$100.00} on XX/XX/16. CMRE Financial Services is attempting to collect {$160.00} which is a remaining out-of-network amount from this original processing error and original bill. I confirmed with XXXX that all charges were re-processed, and that payments were made. I provided CMRE will all the receipts and correspondence between myself and XXXX. They never responded to my dispute of the charges, nor did they verify the debt, and have continued to pursue collection.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXXXXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA 15 USC 1681. It is NOT reporting accurately and is an illegal account. It must be removed.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

No lawsuits have been filed regarding this issue yet, which is why I am asking the CFPB to investigate Sequoia. They are trying to collect on a medical debt that does not belong to me and they are reporting it to my credit. They say the debt was for a medical debt at XXXX XXXX, but I have never been there, therefore they could not have charged me. If in the event I am delusional then Sequoia   should have not problem producing a copy of the original contract to substantiate per their requirement under the FDCPA. Sequoia  is attempting to collect on a debt not authorized by an original agreement because simply I never went to XXXX for any sort of medical treatments.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NY)

American Express sent me a bunch of marketing at my addresses and emails following my submission for Opt-Out and Do not Market. I filed a complaint in the past with the CFPB and received more marketing. I requested that American Express make amends by offering credit terms or restitution. American Express has not reached out to approve the Gold Card for Business, which is great for traveling. The company has also not made right on the violations of the rules and laws. I am requesting a reinvestigation and want to know why American Express was allowed to violate rules. I am also asking for American Express to increase my credit limit and reissue my credit card. I don't feel that it was ok, that they violated the law more than once, even after i filed a complaint. I am asking that the company approves my request to re-issue my credit card and increase my credit limit.
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (WA)

My account was sent to a collections agency who never contacted to dispute nor validate the debt which was alleged I owed. There was a mix-up in the apartment room in which I resided with a college roommate. I reached out to the original creditor to inform them that I am disputing the amount owed. Instead of the company trying to rectify it, they maliciously sent my account to Southern Management Systems collection agency who never notified me to validate the debt. I have provided a video and photos of the room in which I resided in the apartment - the statement provided does not reflect the room I resided in and therefore I am disputing these charges and asked that the account be removed from collections immediately. This is a shady unfair practice and a violation of my rights. My account was sent to a collection agency without any notification from the collection agency. I WANT THE ACCOUNT REMOVED FROM COLLECTION IMMEDIATELY AS THE ORIGINAL CREDITOR IS AWARE THIS ACCOUNT IS BEING DISPUTED - THE COLLECTION AGENCY, BY LAW, SHOULD I PROVIDED ME WITH WRITTEN NOTIFICATION OF THIS DEBT AND A CHANCE TO DISPUTE AND VALIDATE BUT THEY FAILED TO DO SO.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (AZ)

Hello : My complaint comes down to my loan officer not only failing to lock in the agreed upon interest rate for my refinance, but failing to inform me of his mistake until three weeks later. 

XX/XX/21 XXXX XXXX XXXX ( XXXX XXXX & Ohio # XXXX ) of XXXX ( dba of XXXX XXXX, XXXX XXXX, emailed a loan estimate to me with what were supposed to be the rates/terms/conditions ( 2.125 %, 15-yr fixed, 2.25 % APR ) we verbally agreed to over the phone. Instead, the origination charges were higher than we had agreed and I asked him to send me a revised loan estimate with their fees lowered so that the APR did not exceed 2.25 %. Mr. XXXX told me he was leaving for the day but promised to get the revised loan estimate to me the next working day. 

XX/XX/21 Mr. XXXX informed me that he couldn't lower the fees any further. He stood fast on the XX/XX/21 loan estimate promising he could get that one done. I still agreed to move forward and submitted the signed loan estimate on XX/XX/21 ( my wife did so too ). All of the income/asset/ID documentation Lower.com asked for was submitted immediately thereafter. 

XX/XX/21 Later that same day, I was contacted by another lender ( XXXX XXXX ) who informed me they could beat XXXX XXXX quoted loan estimate if I would complete the refinance through them. I considered it and declined having already committed to Mr. XXXX and XXXX 's rate/terms. I felt that I was morally bound to follow through on that promise just as they would fulfill their end of the deal. 

XX/XX/21 I heard nothing further from Mr. XXXX or XXXX for the interim period. On XX/XX/21 I received an email from Mr. XXXX ( three weeks after the loan estimate was signed by both parties ) saying that he did not lock my loan rate and he was no longer able to do the refinance loan he had promised. He offered to do the 15-year loan at 2.375 % with no points. I asked why he didn't lock the rate and waited 3 weeks to tell me he had failed to do so. The call was recorded, so his words will speak for him. Basically, MrXXXX XXXX claimed it wasn't his fault. I really don't care whether it was ( as I suspect ) a rookie mistake, or XXXX messed up, but I have been damaged. 

I did contact Owning.com to see if they could still beat XXXX XXXX original loan quote. They said they could not. I told Mr. XXXX I had been damaged, not only by him not locking the loan, but by not telling me he messed up to give me the opportunity to refinance with Owning.com. 

The cash savings over five years that I would have realized with Mr. XXXX XXXX original loan quote netted out to be {$5700.00} ( {$11000.00} in less interest paid minus the {$5500.00} in new loan costs ). I offered to settle the damages with Lower.com for a flat {$3000.00}. My offer was refused and they sent me an email saying the loan was cancelled.