davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX reported a medical bill on my credit for treatment that was a result of a XXXX XXXX relating to my son. The case is still pending. It has not been settled. My son is currently represented by an attorney and this should have never been reporting on my credit. My attorney reached out and provided the proper documentation to XXXX, they were to remove the collection item. However, they chose to re-report it again on XX/XX/2023. I placed a dispute with Experian and they validated the debt as of XX/XX/2023. Even though I provided the written documentation that it was to be removed as I have legal representation. I called Experian and XXXX daily to get no result other than XXXX saying they arent reporting it and Experian saying they are.
Consumer complaint received 2023-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CA)

In mid-XXXX, XXXX notified me that Phoenix Financial Services had me in collections for a {$3200.00} debt to XXXX XXXX XXXX. 

I know nothing about this debt, did not authorize and have filed a Police Report. 

This transaction needs to be removed from my credit history and my credit score restored.
Consumer complaint received 2023-09-07
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: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-04-04
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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting 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)

XXXX credit card/XXXX have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (AL)

I took out a loan with Upstart on or about XX/XX/2021. The funds were direct deposited into my account. My payments are due on the XXXX of each month. As of today 's date, XX/XX/2021, I have made my first 2 payments, XX/XX/2021 and XX/XX/2021. I went into their website today to make 2 more payments, my XX/XX/2021 and XX/XX/2021 payments. However, my next payment due date is still set at XX/XX/2021, which has already been paid. When I took out the loan, I needed the money to get out of a hole, pay some bills off and catch up on others, which I did. NOW, I want to start making my payments to Upstart and it's very important to me to make these payments NOW because, in light of what's going on in the world today, we have no way of knowing if we will have money to make payments in the future, jobs, rent, etc. I have asked Upstart TWICE today to advance my due date based on the 2 ( TWO ) payments that I have made and they are refusing to do so, stating " we are now allowed to show your loan as due for more than one month ahead at a time ''. I don't care, I want to and am eager to make my payments NOW. I work in a bank, I have for over 20 years, and I KNOW from experience that my due date can be advanced ahead as long as I make the necessary payments. I need the funds that I am remitting to Upstart to be reflected on my loan as payments made, NOW. I absolutely do NOT mean or want these funds to be posted as principal reduction payments, they are payments that forward the due date. Thank you.
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my identity stolen and someone had used my company credit cards Bank of America Card Account # XXXX from XXXX without my authorizarion. 
My grand daughter was managing my account because I am over XXXX XXXX XXXX. 
One day I had noticed all these fraudulent charges so I would like to dispute these charges
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

XXXX refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from XXXX  consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet XXXX illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

There was a check that was sent to my account with my knowledge. I was a fluent chase member I will Gladly do what's necessary to fix this matter. This has happened on two banking account to my knowledge I have a honest job so I wouldn't deposit fake checks into my account. My girlfriend got a check in the mail with her name on it nd her address after I tried to help her chase it they closed my account.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Guild Holdings Company (MO)

I make additional Principal Payment every month. My mortgage balance is now below 78 % of the original appraised value which was {$160000.00}. I was told over the phone that PMI must continue until 15 years of the 30 year loan. I tried to explain that I have paid additional money towards Principal, etc. The person I was speaking to was adamant. So I mailed Guild Mortgage a letter dated XX/XX/XXXX ( see attachment ). I also attach Guild Mortgage dated XXXX XXXX XXXX saying I would have to pay {$190.00} to them for an additional Broker 's Price Opinion ( BPO ). I also attach Guild Mortgage " Annual Private Mortgage Insurance Disclosure dated XXXX XXXX XXXX wherein under Automatic Termination of PMI " to reach 78 % of the Original Value '', which it was as of XX/XX/XXXX payment being made.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In 2023, XXXX XXXX reduced my credit limit twice with no missed payments and minimum payments made. As a result, my credit score dropped significantly. In XXXX of 2023, I did a balance transfer to reduce the amount of the XXXX in half and pay more towards the balance to reduce the debt. Again, XXXX reduced my credit limit which again impacted my credit score. I called to ask why and sent a letter and was told verbally and via letter I could ask for a credit limit increase and stating to them this was an unfair practice of reducing the limit which impacts my credit utilization which in turn impacts my credit score. In XXXX of 2023, I requested a credit limit increase per the letter sent to me from XXXX and was denied the increase stating my monthly mortgage payment was not provided which I had updated in the app the prior month. Since then I have been working on paying the card completely off. 

Yesterday, I received a letter from Bank of America stating they have made the decision to reduce my credit line after reviewing my credit history, economic and loss trends and consumer reports. My XXXX XXXX is a direct reflection of the the credit limit decrease by XXXX and now Bank of America who have both impacted my utilization scoring. All of my accounts have been paid on time with more than the minimum and I have paid off two cards within the last 90 days totaling more than XXXX. 

If I am one person who has had this happen to them twice, just imagine the others who are in the same position being negatively impacted for utilizing credit and paying them off. My husband has had the same happen to him and has closed all of his credit accounts to avoid this and went into debt relief which should not have had to happen in paying a off the credit cards. This is unfair and malicious. If the end goal is to keep us all in debt just say that.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Greetings, there appears to be a perpetual mishandling of my credit score by XXXX. Such mishandling spurs a " ripple-effect '' throughout the credit report agencies. Between the month of XXXX and XXXX, my credit score dropped from XXXX, XXXX, and currently XXXX. My credit score is released via my bank ( XXXX XXXX  ) and will there was a credit and inquiry freeze set up with all three credit reporting agencies in XXXX. XXXX continues to monitor my credit and misappropriate my credit score via misinformation. Credit pull reveals an incorrect mortgage amount of {$XXXX} from mortgage holder, XXXX XXXX XXXX. The actual amount owed is {$XXXX}. There is no late payment attached to such amount last reported to XXXX. I spoke with credit wise when my score was dropped from XXXX to XXXX and there was not a creditable reason. My credit cards are paid in full on date due thus no history of credit card debt. In the past, XXXX  has failed to update my credit score without propaganda on purchasing items that will provide access to my credit score via XXXX, XXXX, or XXXX.
Consumer complaint received 2022-11-25
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. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA section XXXX state unauthorized by law any company need permission to report anything on my credit report. In my up load I left the law on there this my final attempt to correct these companies and Im opting out of arbitration also
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I submitted a complaint to Citi Bank XXXX regarding the bonus miles totaling XXXX for opening a Citi Bank Checking account etc. in which I have yet to receive. Citi Bank responded to my first complaint dated XXXX on XXXX and within the response letter they acknowledge that I have met and fulfilled every requirement in order to receive the bonus miles totaling XXXX. Furthermore, within the letter they confirm that I will receive my bonus miles totaling XXXX on or around the XXXX of XX/XX/2023. Today is XX/XX/ and I still have not received my bonus miles.
Consumer complaint received 2022-12-07
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

I'm issuing a complaint about Citi Bank & XXXX XXXX XXXX! Both companies have decided to make their own laws! Their laws are not in compliance with our Constitution! Their new policies are to not accept credit card transactions for the purchases of any firearms or bullets! They will not even allow you to purchase toy guns! This is against our Constitution & our rights as US citizens. Please have them correct their errors & restore our constitutional rights! I feel they should be fined a large amount for breaking the laws against USA citizens! If no fine then they s/b closed down!
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Not a complaint, but a query. Why do creditors Only rely on Equifax? In the past, the company wasn't considered trustworthy, known to add derogatory information onto consumer accounts... We Always had XXXX XXXX XXXX, which were accurate. Several years ago, during lean times, I checked my credit to find Equifax had my number at an XXXX, when the other XXXX reported shy of XXXX... I wrote Equifax to have my report removed since their number was derogatory and unreasonable. So, I don't have anything on Equifax, since I expected XXXX and XXXX reports would be reviewed. Now, I can't get credit since Every bank relies on only- Equifax and according to denials, I haven't established a credit history when I've owned homes and cars, all paid off. Then, XXXX says Equifax is multinational and we, in the XXXX, face countless issues from our credit information being accessible by anyone in the world because -- foreigners are working to take XXXX dollars from this country, for years. We have foreign merchants and investors pulling out USD in any ways they can, and our money is going to foreign countries, some of which are not XXXX allies... It's the reason our prices are so high -- all American businesses have foreign investors running the show, demanding more and more financial return. The retail industry is entirely foreign goods and foreign investors... So, we can't have a credit reporting agency as multinational because of our economy and consumers ' financial struggles. Someone needs to see if Equifax, ( which seems to have taken the lead among credit reporting agencies ) has foreign investors. And, lenders need to be instructed, they can't discriminate against XXXX or XXXX only because someone sold them on Equifax. What is Equifax doing to get business from all of our lenders?
Consumer complaint received 2023-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FICO gives a person a 30-day grace period before certain loan inquiries, like auto loans, are reflected in credit scores. FICO records multiple inquiries for the same type of loans as a single inquiry as long as they're made within a certain window ( typically 14 days. ( Comparison shopping ) Transunion recorded each inquiry separately totaling six for the same loan. To my knowledge, I have not signed or allowed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone who has stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.