davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XXXX  aspirations. As a dedicated and driven XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XXXX  endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XXXX  journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

The inquiry and inaccurate personal informations listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureau. The reality that these informations continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiry listed below as a result. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-04-13
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO, NEVER LATE I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, LLP. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

XXXX credit card account was opened under my name by somebody I don't know without my consent, and there has been {$9000.00} charge on this credit card which I didn't make. This is a fraudulent activity, which I already contacted the card issuer and asked to investigate and close the account ASAP in XX/XX/XXXX. However, the account is still open and due to the interest, the balance increase to {$9400.00}. I contacted the company again on XX/XX/XXXX, asking about the status, and the representative told me that the investigation is still ongoing, and should be completed in the next five business days. This hasn't been done so. 
There were XXXX other credit card opened as fraud ( XXXX, XXXX, XXXX XXXX XXXX XXXX and they already closed the accounts. 
I don't understand why XXXX XXXX XXXX XXXX bank takes so much time to close the account and take the balance away, which impacting my credit score.
Consumer complaint received 2023-01-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied for a FHA mortgage loan on XX/XX/22 with PenFed credit union. The loan officer I dealt with pre approved my application awaiting a contract, I submitted a signed contract for a home on XX/XX/22, after two weeks of emails, phone calls I heard nothing until I called the direct line and found out that loan officer was no longer with the company so I was assigned another loan officer, XXXX XXXX, after submitting another application and all the documents with him I was assured all was in order and I would be approved with closing date of XX/XX/22 changed from XX/XX/22. Two days before closing I was informed by XXXX XXXX that the loan was declined due to an FHA regulation on the time the house was put up for sale so I would again have to redo the application, contract, etc. and change closing date to XX/XX/22. Was told on numerous occasions all would be approved now with the date changes. Again, two days before closing I was informed that the loan was declined for " income '' and I would receive a notice. I truly believe I was discriminated against because of age/sex. I have since applied with another mortgage company with all the same documents/information and was approved with no issues!
Consumer complaint received 2020-06-15
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}
Consumer complaint received 2023-01-06
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, XXXX, TransUnion, has violated my rights by reporting the following on my report : DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA has ceased response to claim XXXX. They continue to NOT address any questions I have. Also, they promised to send a payment to the financing company to pay off the vehicle, which is deemed a total loss. So far, they have not taken any action.
Consumer complaint received 2024-03-21
Product: Credit reporting 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. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX XXXX XXXX XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MO)

I was approved for a U.S. Bank XXXX XXXX credit card. 
This credit card has been a nightmare. 
At no point and time was I alerted or instructed to set up a " Central Billing Account. '' Every time I logged into my account it showed no balance due. 
No payment is due for months. Then I get a letter in the mail with a different account number saying my payment is late. 
I call and an hour + six customer service representatives later, they said that when I was approved for the card, someone should have setup my Central Billing Account. No one did that. I didnt do it because I didnt know it was a thing. 
This is my fifth biz card with U.S. Bank and no other card has this. I have literally never done this with any other business card, and even with U.S. Bank. 

I tried to setup the new Central Billing Account but it says my account doesnt exist. 

Ive called and emailed U.S. Bank. Theres one person whos been handling my issue. Her name is XXXX XXXX XXXX had 29 emails and multiple phone calls. No joke. 
She said my bonus has been posted but its not showing up in my rewards section. 
Shes called multiple times, shes contacted the business department, and she has worked her tail off to find out : why cant the central billing account be set up, why its erroring out when I try to do it and most importantly to me where is my {$500.00} bonus AS WELL AS I over paid while with a customer service representative and I have a {$40.00} credit on my account, that I can't open or use. XXXX XXXX, reached out to someone in business credit card department and he said he had to contact one of his supervisors.

This has been going round and round and round and round. Literally, who should have to email 29 times? 

I got my statements but they were only from my credit card account number, never through a central billing account. 
Mine always saying, New Balance {$0.00} Minimum Payment Due {$0.00} Payment Due Date XX/XX/2022 ( etc ) How I found out, was receiving a past due notice about my Central Billing Account ( one I didnt set up NOR anyone from U.S. Bank setup ). 

I should have my {$500.00} + my {$40.00} credit and access to my account. 

This is ridiculous. No other bank would have done this. 

There is so much to send here and unpack. I'll forward you every email I've received in trying to handle this mess.
Consumer complaint received 2023-01-06
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

I am current up to the month of XX/XX/XXXX. 
I will pay XX/XX/XXXX in the next 10 days. 
I have late fees that are being added and credit report states very late but increasing payment to get it taken care of but the mortgage balance continues to increase. I will not live long enough to pay this note off. I am not paying XXXX cent on principal. They send someone to evaluate property every 3 months and its a fee, the fees and add ones are out of control. I am not allowed to pay extra on the principal. PHH is a scam and are continually taking advantage of the people that cant afford to fight them. They were busted in the XXXX and they had to pay is {$500.00}. Why wasnt the terms to undo the over charges adjusted and fixed. Why wasnt their errors repaid in full and not just a small amount to several cases. Why was GMAC MORTGAGE allowed to just rename to Ocwen and then when they were busted they changed the name to PHH. Why isnt the Federal Government closing them down and holding these servicing companies accountable? I read an article that the mortgage companies make more on over charges, unreasonable fees that its worth it to them to commit these acts and just pay a fine when they are found out and busted. I would like to see a outside audit company audit several accounts tax and see their computer programs are rigged. 
Please investigate and stop them for the turmoil and stress they are costing the mid to low class who just want to own a home for their family.. 

They refuse to take my ex-husband off the loan and have the divorce degree and a quit claim deed.
Consumer complaint received 2023-01-06
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXXXXXX
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX I applied for an offer that included a {$100.00} credit after my 1st purchase and I never received the credit. I contacted the company in beginning of XX/XX/XXXX, provided a screen shot of the offer and I was told that they would investigate and get back to me, its now XX/XX/XXXX and I have still not heard back from AMEX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$38000.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (CA)

I started a refinance with Suntrust in XXXX of 2016. They were very unresponsive, Unprofessional, and down right rude while servicing my loan. So much so that it has taken over 3 months for them to process my refinance. I was told several weeks ago that the loan was done, they had everything they needed and that it was ready to close. Due to this information and differences with my employer I left my job 2 weeks ago thinking this would be closed the next day. Today XXXX/XXXX/16 I was told that my loan was denied due to unemployment. The entire process took too long and their communication during it was horrible. I have email strings where I ask for updates but i do not receive anything for a week. Life can change in 3 months and due to their incompetence it was not processed in a timely manner. When I asked to speak with a manager to resolve the issue/ try to find a work around i was transferd to a line and disconnected me. When i called back the line was busy and had to have a cs rep dial me in to speak with my loan officer who was rude.