davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (MD)

After numerous attempts to dispute my identity theft situation with Experian they continue to unlock my account and allow companies and etc to damage my account by reporting inaccurate information against me and fail to remove it. 
Now my score reads XXXX while my others are sitting locked and accumulating points. 
I dont even purchase anything what they are doing is wrong and needs to be stopped I have not signed or consented to anything whatsoever and have had my Identity stolen my ID and Social Security card has not been recovered.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (OK)

I've filed a dispute with Target/TD Bank credit card company where I have been XXXX  in the Oklahoma department of XXXX since XX/XX/2017 serving a XXXX XXXX XXXX  in the Oklahoma department of  XXXX XXXX Where I am XXXX at the XXXX XXXX XXXX XXXXr at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen an account from Target credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my DOC XXXX Identification with my Social security card. Which could've all been verified by the Department of XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past XXXX XXXX when this account was opened in my name I was in the Oklahoma department of XXXX at the same address of XXXX XXXX XXXX XXXX OK XXXX for the past XXXX XXXX where no credit card was ever Sent to me at my apddress at a XXXX XXXX this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Consumer complaint received 2017-07-16
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: CURO Intermediate Holdings (OH)

Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2022-11-26
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Balance : {$2200.00} Account Number : XXXX Balance : {$4600.00} Account Number : XXXX Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC (GA)

To Whom it May Concern : I am writing to express my deep disappointment and frustration with the lack of accommodation for my XXXX by United Wholesale Mortgage services by XXXX XXXX. As a valued customer, I expected better treatment and understanding of my situation. 

Unfortunately, despite my repeated attempts to communicate my needs, XXXX XXXX  has failed to provide the necessary adjustments to accommodate my XXXX. As outlined by the Americans with XXXX XXXX ( XXXX ), it is imperative for companies to make reasonable accommodations for individuals with XXXX to ensure equal access to their services. 

Specifically, I have requested alternative methods to pay my mortgage that dont include having to be visually abled, accessibility features in online platforms. However, these requests have been consistently disregarded or dismissed by your company. 

This lack of accommodation has not only caused me undue stress but has also put me at a significant disadvantage in managing my mortgage obligations. On XXXX XXXX, I attempted to make a payment even though my vision was failing and I have previously asked repeatedly for an accommodation. As a result, I am left feeling marginalized and unfairly treated by XXXX XXXX. My mortgage was marked as late because I accidentally entered my account number incorrectly. This would NOT have happened if I were provided with an accommodation. Now it has impacted my credit and I dont think I should be penalized for being differently abled. 

I urge you to take immediate action to rectify this situation by implementing the necessary accommodations outlined in my previous correspondence. Additionally, I request a formal apology for the inconvenience and discrimination I have experienced due to the negligence of XXXX XXXX 

Failure to address these concerns in a timely and satisfactory manner may compel me to seek further action, including legal recourse, to ensure my rights as a person with a XXXX are upheld. I trust that United Wholesale will take this matter seriously and prioritize the needs of all customers, regardless of their XXXX status. 

Thank you for your attention to this matter, Thanks, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIBANK, N.A. (VA)

The lender initially attracted us with low interest rates and promised with confidence that they would be able to process our loan in a timely manner using these rates. However, once they began processing our case, they started to over-promise and used various excuses to delay our loan. We provided the required information promptly, but they kept changing the requirements. As the closing date approached, they informed us that they could not secure the promised rate and did not provide any risk warnings. They then urged us to get quotes from other loan companies in hopes of lowering the interest rate through a match, although this was not guaranteed. Only a week before the closing date did they inform us that we would default, putting us at risk of losing our deposit and the house, and they blamed us for not providing information. In the end, there was no apology. 
Attached is our timeline.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (OH)

Company is reporting inaccurate information on my credit report. I have contacted the local bankruptcy court in my country and they have no records of a bankruptcy in my name. Account number XXXX should have been removed in XXXX. Please see supporting documents and remove immediately.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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. (TN)

I would like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In  XXXX  2017, Chase Financial unilaterally closed my Chase Freedom Credit line. They cited the account was being closed due to non-activity. I did not receive any advance notice. The card had no balance at the time. I contacted Chase representatives and they informed me that there was no way to reverse the impending closure of the account. This will affect my " available credit '' and my FICO score. I am beng penalized for being a responsible consumer and not using my credit card.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC is a company that bought two of my credit cards debt over 10 years ago during hard times. This company filed judgement against the 2 accounts and the judgement have dropped off 3 or 4 years ago since the filing. Today I received a letter in the mail " XXXX XXXX XXXX '' to take possession of property. This action leaves me XXXX founded after reading the Fair Credit Act that a company can use the courts to violate the statute of limitation law. 

The receiver 's information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : XXXX State Bar No : XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (OH)

I REQUESTED FULL ACCOUNTING OF THE ACCOUNT USING GAAP, TO SEE ALL THE INCOMING AND OUTGOING AMOUNTS OF THE ACCOUNT AS THE BENEFICIAL OWNER OF THE ACCOUNT. THE COMPANY HAS BEEN ILLEGALLY TRADING MY ACCOUNT AND THE RECEIVABLES. I SENT THE COMPANY PAYMENT OF XXXX BY MAIL AS REQUESTED [EVEN THOUGH I SENT THEM A LEGAL DOCUMENT RESCINDING THE SECURITY INTEREST OF THE ACCOUNT, POWER OF ATTORNEY, RIGHT TO REPOSESSION, RIGHT TO TRACK THE VEHICLE BY GPS AND RIGHT TO ANY AND ALL INSURANCE PAYMENTS AT 100%] WHICH WAS SENT CERTIFIED MAIL USING USPS XXXX XXXX XXXX. THE MAIL SHOWS RECEIVED BUT THE PAYMENT WASN'T CREDITED TO THE ACCOUNT AFTER THEY RECEIVED THE CHECK. ADDITIONALLY, THE ORIGINAL REQUEST TO ENTER THE ACCOUNT INTO A BILLING ERROR WAS DISREGARDED THOUGH THE DOCUMENT WAS NOTARIZED MAKING IT A LEGAL DOCUMENT SAME AS THE RESCISSION STATEMENT. ALLY FINANCIAL HASN'T HONORED ANY DOCUMENTATION SENT TO THEM BY REGISTERED MAIL OR CERTIFIED MAIL. ALLY FINANCIAL ALSO JUST REPORTED ON MY CONSUMER REPORT DEROGATORY FOR THE MONTH WHICH DROPPED MY SCORE XXXX POINTS WHICH UNDER 15 USC 1666 CLEARLY STATES NO ADVERSE ACTIONS AGAINST ME ARE PERMITTED ONCE THEY'RE NOTIFIED BY MAIL SEE SUBSECTION (e) THEY'VE AGREED TO FORFEIT THE ENTIRE AMOUNT OF THE LOAN AND ACCEPT NO MORE THAN THE AMOUNT ALLOWED BY THEIR ACTIONS.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 take 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 2017-07-17
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. (NC)

I am attaching a letter I sent a letter to  XXXX  and Trans Union back on  XX/XX/XXXX , requesting that they investigate error on my credit report. I have not received a response from either.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (DE)

Started calling SERVE card and American Express in XXXX to log into my account. Account has been locked many times at random and now the service representatives will not pick up the phone at all. Tax Return is locked into the account and I can not access it.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I called Capitol one to get the payoff balance and was given {$4700.00}. then I asked about the interest charges and was told I was within the time not to be charged the interest. So I paid the amount of {$4700.00} and thought my account was paid off. I did not get the person 's name. 
Yesterday XX/XX/year> I see I am being charged {$70.00} interest charge. This morning XX/XX/year> I called and spoke to supervisor XXXX who told me she was not able to credit the {$70.00} interest charge, even though I was told I would not be charged and interest charge. She was not helpful at all. 

An hour later I called Capitol One again and was talking to a supervisor by the name of XXXX who was quite short with me and told me she is unable to change the interest charge. When I told her I was told by a representative that I would not be charged the interest charge she was not helpful. I then asked her to speak with her supervisor and she told me their was not anyone above her. I told her I would be closing this account and again she did not care. I also told her I would be contacting CFPB and again did not care. I also told her I do not need this account I have XXXX, and XXXX and once again she did not care, so I ended the phone call. 

As a very good consumer I do not expect to be treated like this, nor should anyone.
Consumer complaint received 2022-11-25
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. (NJ)

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 USC1681. 
XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCYCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCYMAY TAKE ANY CONSUMERREPORT CONTAININGANY OF THE FOLLOWING ITEMS OF INFORMATION.ANY OTHER ADVERSE ITEEEEEM 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 THEPERSON KNOWS OR HAS A REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE