davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FULTON FINANCIAL CORPORATION (PA)

On XX/XX/2020 I applied for a commercial mortgage with XXXX XXXX of Fulton Financial Corporation dba Fulton Bank. I was referred by a former employee and thought it would be a simple process. Turned out, that I was racially profiled and unfairly treated by Fulton Bank representatives. When working with XXXX, I thought that I had done something wrong to her by the way she treated me. It turns out she had a vendetta against the previous employee, also XXXX American. She treated me like trash and ultimately, I was declined for the loan. This was particularly frustrating because I was immediately approved by 4 other banks within a week of being wrongfully declined for credit. When I spoke to the bank supervisors they could not provide me with an adequate reason for denial since, My credit far exceeded the minimum require credit, my debt to income ratio was well below 30 % which is more than adequate for the financing and my experience exceeded the minimum requirements.
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I was involved in accident  and car was totaled. The insurance company asked for 10 day pay off amount and the loan company provided the amount the insurance company paid off the amount and they had to do a gap insurance because we live in NY  for like XXXX  or XXXX  and the loan was done with that loan that loan company. After taking extra payments on my checking account the loan company is saying that we owe more. Once a payoff amount is given it should void everything else because thats interest amount
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX XXXX has attempted to collect XXXX dollars from a cable bill from Oklahoma. They have used 3 different collection agencies and every time I get this item removed as not being mine ( identify theft ) when the new collection agency gets it I have to speak with the 3 bureaus and write to this board. I do not owe this debt and I have never lived in Oklahoma. There has to be a law against those type of harassment by XXXX XXXX and the most recent Debt collector. Originally I had also filed with the XXXX XXXX in XXXX, Florida a police report to dispute the original collection attempt.here is the name of the new agency : CONVERGENT OUTSOURCING Past Due Amount : {$1700.00}. My phone is XXXX. This has lowered my Credit score from XXXX to XXXX and you can imagine is causing me heart ache.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. In addition, report other accounts that are not being reported by Experian but are in fact being reported by XXXX  and XXXX XXXX. 
Please update the following information on my credit profile with your company : Name : XXXX XXXX XXXX ; XXXX XXXX or XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX or ( USPS-RECOGNIZED ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, GA XXXX Mailing Address : XXXXXXXX XXXX XXXX XXXX, GA XXXX Telephone Number : XXXX Employment : XXXX XXXX, XXXX ( XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) Managing Member for both. 
I am an authorized user on two credit cards that I have been using and are being reported to XXXX XXXX and XXXX. Can you add these credit cards to my credit profile account? 
1. XXXX XXXX ( XXXX XXXX XXXX XXXX Exp. Date : XX/XX/XXXX ) Authorized since XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Exp. Date : XX/XX/XXXX ) Authorized since XXXX. 
Please remove all other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. Please add the two credit cards listed above. They can easily be verified by contacting XXXXXXXX XXXX and I have accompanied a letter from XXXX XXXX XXXX XXXX confirming my signature authority and authorize usage of above credit card. 
While checking my most recent credit report in your system, I noticed credit inquiries that I did not authorize, made by the following companies : Inquires : 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report or any consumer report held by your company. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a profoundly serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-08-07
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. (TX)

I sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.
Consumer complaint received 2020-08-07
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX  XXXX {$78.00} XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX   XXXX XXXX {$100.00} THE COMPANY
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY (WA)

XXXX  XXXX XXXX contacted me via telephone stating they had a judgement enforceable for 20 years based on an American Express credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted American Express security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by XXXX. ( XXXX ) When I requested a copy of the judgement from XXXX  at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact XXXX Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX
Consumer complaint received 2023-12-27
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. (MO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of 2020 I received an email from Capital One that my online access to my accounts was blocked as they needed to verify my identity. I contacted them and submitted the requested documents. DL, SS Card and a letter to update all accounts. I was told that an old closed account from the XXXX that was in my previous maiden name was throwing a mismatch to their system. As of today, XX/XX/XXXX, I still have no online access to my accounts and at this time their system will not allow any payments to be made to my accounts even with the assistance of a customer service representative in any fashion. I have called frequently over the last 6 months and have been continually told that the case has been escalated to their " back office '' team and is still under investigation. Prior to XXXX I could make payments via phone with a rep. Now my accounts are locked for any kind of payments. Therefore, I am now incurring late fees and in 2 weeks will receive a 30 late credit reporting as they can not process payments.This is beyond frustrating and ridiculous now.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation (NJ)

XXXXAspire XX/XX/XXXX inquiry XX/XX/XXXX removal another inquiry on XX/XX/XXXX removal date on XX/XX/XXXX same company with XXXX inquiries and removal dates XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (SC)

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. 

I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.
Consumer complaint received 2020-08-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (PA)

I purchased a ring from XXXX on XXXX in the amount of XXXX. I never received the ring and contacted XXXX. They told me XXXX delivered the package on XXXX! I was sent a copy of the signature and it was clearly not my signature and my last name was spelled incorrectly. I was told it would take 90 days to get this resolved and told to contact the police, which I did and get a report, which I did. After numerous phone calls and correspondence over 2 months I was told by XXXX they didn't find anything wrong with the shipment and that I needed to pay for something I never received! They told the police I had filed missing deliveries 8 times in the past 2 years, which is a lie. I pulled up my transaction history and it shows all of my purchases, payments and returns with credits. I had a good relationship with this company over several years and have always paid on time in full! They keep telling me they have a signature, which again, is not mine. If I had 8 transactions in the past 2 years that were reported as missing, why would this company keep doing business with me after just a few times of missing deliveries? I have no late payments to any of my creditors and have no criminal record, yet this company is treating me like a criminal. Why wouldn't they insure a delivery of this amount? I am trying to attach all necessary documents but they are not going through. I have about 30 statements, police reports, statements of fraud, bank statements and letters from XXXX to prove my point. The police are continuing their investigation.
Consumer complaint received 2023-02-24
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. (GA)

IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY EXPERIAN AND XXXX CREDIT PROFILE FOR XXXX  YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2020-08-18
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. (FL)

Please be aware when receiving a pre-qualification email from this company " XXXX '' ( with no hard credit inquiry ) that once you get thru the pre-qualification information, they sneak in hidden language that they will pull a hard credit inquiry against your credit report. They did this to me and caused my FICO credit score to drop by 9 points immediately. Their interest rate/APR was so much higher than the existing loans I wanted to consolidate that I would have never went with this company or agreed to a hard credit pull. Just be leery when filling out their " pre-qualifying '' form or better yet, don't use them at all if you don't want to see your FICO credit score drop drastically. I am posting this to warn other potential users, as I've already tried to dispute with this " XXXX '' and at first they tried to blame it on XXXX XXXX as they were apparently the company who provided " XXXX '' with my personal information. 

I have attached the initial email from " XXXX '' luring me into this, clearly stating that this will not affect your credit score ...
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (FL)

On XX/XX/2019 I reached out to XXXX XXXX XXXX Regional Manager. ( XXXX XXXX ) Office manager refused to accept payment for XX/XX/2019. 
I explain to her its not fair. 
There system twice had a system error. And they would send out eviction notices to tenants. Even if they had paid rent already? And know that I was late on payment. They refused to accept it? She at first Apologize and said she would fix it. 
Than she said XXXX premises Manager would contact me? 
Than we had a telephone meeting. 
And she said XXXX manager At premises was guaranteeing I have been late before on payments? 
I told her look at payment history yourself. 
She said move out in 5 days. And will keep it like you voluntarily turned in Apartment. I did found a new place to stay And started my new rental agreement On XX/XX/2019 so how can They report Me and say XXXX behind in my rental payment. Since XXXX Causing me stress and physical problems Especially know that we are in an epidemic disaster. That is a lie. 
And when I was there I witness Tenants moving out 3 times a week. 
What really goes on there is ridiculous. 
XXXX which was an employee there. 
Telling her children things about tenants. 
My kids got told what are you guys doing In the area if you guys dont lived here Anymore. If we live in the area we have every right to be where ever we want. 
Upset there premises. Driving around By my home to make sure I did lived in the area. Thats harassment ... .please look into the amount of cases this rental premises has had in the pass.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm
Consumer complaint received 2020-08-18
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: DISCOVER BANK (VA)

In XX/XX/2020 I disputed an error on my credit report with all of XXXX, XXXX  and XXXX  in regards to a Discover account showing in collections and at times as a open account on my credit file. On XX/XX/XXXX XXXX  and/or Discover confirmed this was an error and removed the account completely. I assumed this would follow suit with the other bureaus and did not look much into it until now. The Discover account is still reporting open and changing sometimes to a closed collection account massively affecting my XXXX  and XXXX  scores ( over 100 points! ). Although I have disputed with the bureaus I am unsure if this is an error made by Discover or an error made by the bureaus. I have attached screenshots from XXXX XXXX, XXXX and XXXX all confirming removals and inaccuracies. Please help.