davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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 this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXXXXXX Balance : {$1500.00}.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have tried for over 2 years to have this company properly verify the debt without success. I requested my original contract with my alleged lender and proof to validate that they properly are authorized to collect on this alleged debt. No information was ever validated or received.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXXAccount # XXXX, # XXXX, and # 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 2024-02-15
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: Kikoff Inc. (TX)

On XX/XX/2024, I had received email from Kikoff Lending LLC and this what they said in the email response. 

XXXX, We have received a letter/email disputing certain information reported to consumer reporting agencies regarding the status of your account. We have reviewed our records and have determined that the attached letter constitutes a frivolous or irrelevant dispute under the Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ( 8 ) ), and therefore, an investigation is not required. 

We have made this determination based on the following facts : We have a reasonable belief that the dispute has been submitted on your behalf by, or has been submitted on a form supplied to you by a credit repair organization, as defined in 15 U.S.C. 1679a ( 3 ), or an entity that would be a credit repair organization. 
If you would like us to further consider this dispute, please contact us at XXXX and provide us with the following : Any new information regarding the account that has not been previously submitted. 
Sufficient information to identify the account that is in dispute, such as an account number, name, address, and telephone number. 
The specific information that you are disputing. 
An explanation of the basis for the dispute. 
Supporting documentation or other information to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 

Regards, Kikoff Customer Operations This is a failed to respond to my dispute letter that I sent which is a violation FCRA, CRAs. I sent in proper I.D., Social Secuity Number, and Lease Agreement stated this is me and they didn't do what they supposed to do. I also sent in a tracking number XXXX # XXXX that is certified to the with the proof of the documents of my dispute that's being reported in my credit report for XXXX.
Consumer complaint received 2020-09-28
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)

They did not resolve the issue. I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY Fourth COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD. I HAVE USED THE RESET BUTTON AND I AM UNABLE TO ACCESS MY CREDIT REPORT
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Penny Mac loan service one late payment XX/XX/2023 In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right 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 under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We completed a " Loan Modification Agreement '' ( Providing for a Fixed Interest Rate ) with our existing loan servicer ( XXXX XXXX  ) effective XX/XX/2020. After which our loan was ( Transferred / Sold ) to Select Portfolio Servicing, Inc. on or about XX/XX/2020. A letter dated XX/XX/2020 came to us notifying us that we will have an increase in our interest rate on XX/XX/2020 to 4.5 % and that our payment will increase to {$2300.00}. I immediately called Select Portfolio Servicing and informed them that we had signed that modification with a " Fixed Interest Rate '' and asked them to honor that agreement they ( assumed/ bought ) earlier in the year. The Account service person informed me that they would send that agreement to their " Underwriters '' and that they would contact me  within 5 days. How can this happen with a " XXXX XXXX XXXX '' Licensed under California State laws??? As of the date of this complaint, I have just got off the phone with Select Portfolio and  have not heard any remedy yet. I just hope this sort of " Bait and  Switch '' practices does not extend to anyone else this company services.
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

X/X/17    - Re ceived notice to appear in court for a debt collection in the amount of {$14000.00} from Barclays Bank Delaware.       X/XX/17    - C hecked personal credit report confirming that debt was on my report and had been defaulted on.       X/XX/17    - Wrot e Barclays Bank Delaware letter informing that debt was not mine and requested validation of the debt under the " Fair Debt Collection Practices Act '' and the " Fair Credit Reporting Act ''. Requested proof of signature for debt.       X/XX/17    - Letter  was delivered via  USPS  certified mail and confirmation of pick up sent.     Date unknown - Received letter fro m Barclays Bank s tating debt was validated and enclosed a bill statement.       X/X/17    - Wrot e  Barclays Bank 2nd lett er again requesting written confirmation with signature of claimed debt.       X/XX/17    - Lett er was delivered vi a USPS ce rtified mail and confirmation of pick up sent.       X/XX/17    - Re ceived letter from Barclays Bank Delaware with enclosed application for debt . ( Noticed IP Address was i ncorrect and located in different city & state.       X/XX/17    - Receiv ed letter from  Barclays Bank that investigation is complete and debt confirmed. ( No acceptable evidence has yet to be s hown confirming the debt was accepted by me ).
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I have a great credit score/history and am able to see and get credit reports from both XXXX XXXX and XXXX. However, my Experian credit report shows that it is unavailable. This is affecting my ability to apply for credit cards etc. I have contacted the company, removed freezes and holds that were on the account from past identify theft, but still my report from Experian is unavailable. I have tried several times to contact them about this issue and am not able to speak with anyone in regards to getting this fixed.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WA)

lexisnexis consumer center provided information to XXXX XXXX is incorrect. They state I had a speeding ticket on XXXX18 I have not had a ticket in over 40 years. They state I had an accident on XXXX18. I have not. My mother was driving my car and she did have and accident my insurance company did pay. I was not there. I tried getting a hold of this company but you can not They say that they will send a copy of my report within 30 days but my insurance company cancels my policy in 17 days I paid for a copy of my driving transcript with wa state dol and there is nothing on my record XXXX is my auto company coverage and they show nothing So I want to know where they are getting this information?
Consumer complaint received 2020-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

On XX/XX/2020 I paid off my mortgage in full. Upon payoff, I was supposed to be reimbursed the proceeds from my escrow account. Despite repeated messages and calls, as of XXXX XXXX, 2020, I still have not received the proceeds from my escrow account.
Consumer complaint received 2023-08-16
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. (MD)

In accordance with the Fair Credit act XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX  Account charged off. {$640.00} written off. {$640.00} past due as of XXXX 2020 Continues listing a new charge off every month Shows balance owed even though should get a XXXX and XXXX  balance if it is a write off First complained that they listed one account as 22 charge offs Now they have it listed at 21 charge offs this is not fair and seems like they are somehow doing this to more people than me and creating a credit report nightmare XXXX Since first complaint Corrected balance but arbitrarily listed date to reflect this month instead of initial charge off date In my first complaint they listed 17 charge-offs now they arbitrarily created 8charge offs These three companies are listing information that can not be trusted whatsoever The XXXX  XXXX XXXX has two accounts listed on with 9 charge offs and one with two charge offs
Consumer complaint received 2021-02-07
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: SLM CORPORATION (SC)

I applied for a student loan with Sallie Mae on XXXX, was approved that same day, and I accepted the loan on XXXX. This loan ( loan 1 ) has an interest rate of 9.250 % and a loan amount of {$7900.00}, During the application process I was approved/offered up to additional {$5000.00} on my loan. 

A few days later, on XXXX I contacted Sallie Mae because I needed additional funds disbursed to the university in which I attend. I contacted Sallie Mae with the express intention of taking advantage of the additional funds offered to me on loan 1, because I only needed {$2100.00}. During this phone call, the Sallie Mae representative insisted that I was not able to increase the funds of my student loan, and coerced me into taking a second separate loan in the amount of {$2100.00}. The interest rate for loan 2 is 9.750 %. 

On XX/XX/2021 I received two email communications from Sallie Mae. These emails stated that I was approved for an additional {$5000.00} funding when I originally applied for the loan and that action was required in order to receive additional funding. 

On XXXX I contacted Sallie Mae by their online customer support chat on their website. During that conversation the Sallie Mae representative continued insisting that they call me and refused to resolve any issues in writing by email, online chat, or other methods. I advised the Sallie Mae representative that they could call me to resolve the issue, but I would insist that the call be recorded and/or any resolution would be put in writing. The Sallie Mae representative advised me that another representative would call me within 48 hours. As of writing, XXXX, I have not been contacted by any representative of Sallie Mae by any form of communication. It is clear to me by Sallie Mae 's refusal to any communication in writing about this issue, their failure to address my concerns during any contact over the past month, and their failure to contact me about my concerns dispute their insistence they do so that Sallie Mae does not want to address this issue.
Consumer complaint received 2020-09-28
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am submitting this Urgent Complaint and Notice regarding my Account with CAPITAL ONE Account Number : XXXX Status : Closed Opened : XX/XX/XXXX  Fraudulent Balance : {$1400.00} This account was compromised for over a XXXX dollars in transactions, that accumulated fees and charges that were NOT AUTHORIZED BY ME and this destroyed my Credit Profile and has violated my Consumer Rights. I contacted CAPITAL ONE multiple times once I realized my card was being used by an unknown party without my Authorization or Knowledge at all. CAPITAL ONE failed to stop the unauthorized charges and transactions from going on and this lead to my Account being completely 100 % stolen and compromised with non-stop fraudulent charges. 

I continuously alerted CAPITAL ONE of this urgent matter, and they finally recently CLOSED this fraudulent account. However CAPITAL ONE continues to ILLEGALLY REPORT Late payments, Fraudulent Balances, and Fees to XXXX, destroying my Credit Report Profile. This is completely unethical and CAPITAL ONE is committing malicious attacks against me as a Consumer and this account MUST BE DELETED from XXXX Credit Report immediately as required by Law. 

This devastating experience is destroying me and my family 's livelihood because it is reporting on my XXXX Credit Report and Violating my rights as a Consumer to a fair and accurate report at all times. I have alerted XXXX numerous times of this fraudulent and inaccurate account occurrence for OVER 30 DAYS now and they have still have not deleted this account entirely from my report as required by Federal Law. XXXX is still allowing this unethical and violating Creditor CAPITAL ONE to report false and inaccurate Balances and Payment Status knowing that this account is not mine and has been CLOSED as a result of FRAUD/IDENTITY THEFT. I refuse to be a Victim of these illegal and unethical Credit Reporting Practices by CAPITAL ONE and I am demanding that this fraudulent CAPITAL ONE Account be DELETED immediately from my Credit Report with XXXX.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (VT)

This is a continuation of complaint # XXXX. I received another letter from Comenity dated XX/XX/XXXX stating they received my claim and were currently researching it and would take up to 90 days for their investigation. Their first investigation began XX/XX/XXXX for 90 days ending XX/XX/XXXX and now another 90 days to investigate their math error. I detected the error in a matter of seconds looking at my statement. They did refund the Interest charges and late fees but the unauthorized withdrawals totaling {$3000.00} is the more urgent amount they are requested to refund to me. Comenity has since transferred their credit card business over to XXXX XXXXXXXX XXXX  since XX/XX/XXXX and my account was not transferred due to their " investigation ''. I can not afford to have my funds held up indefinitely due to their math error since I live on SS and need that money refunded. XXXXXXXX XXXX XXXX can not issue a new BJs card until Comenity transfers my account over to them. I trusted Comenity with my business and I am very sorry I did. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023 I received the following message from American Express regarding my no-preset spending limit card. Your Preset Spending Limit has changed We're reaching out because we wanted to let you know as quickly as possible that after a recent review, we have assigned a Preset Spending Limit of $ XXXX, XXXX  to your account. 
The annual fee that I have been paying on this card for the last 6 years, and the terms of agreement with the lender corresponds to a no-preset limit CC. Now, Amex arbitrarily chose to place a preset limit despite no late payment and balances paid in full. Whats more, at the time of this abrupt change my business was in the middle of making international payments with this card for US Gov contracts. Charges were suddenly declined with no fair warning. 
This goes against consumer protection laws. Additionally, it also goes against consumer privacy, since they are asking for my personal returns before deciding if they will reinstate the no-preset spending limit that I had for the last 6 years. I can not presently provide this information. 
The representatives I spoke to say that the decision is AI based and they cant do anything about it. The bot may choose to limit the card due to incremental activity. We have been using the card for business as always intended. Historically, charges have always been the same. This is blatant prejudice and disregard for small business.

After more than a 6-year perfect credit relationship with Amex, they have no right to arbitrarily limit my use while still charging exorbitant annual fees that correspond to a no-preset limit card. American Express needs to comply with the terms & conditions that I originally signed up for, and pay for. Otherwise, they are breaching consumer protection laws and putting my XXXX business at risk as an unreliable lender. They are also misleading the consumer by offering no-preset limits, at the most expensive annual CC fees in the market, and then turning around and modifying their agreements at will.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: AMERIS BANCORP (FL)

Ameri Bank the branch manager close my business checking account for no reason I had over XXXX dollars in the checking account. I found out that the bank has my old email that I don't use I never give her that email. When I asked about the email why she had it the branch manager said that I needed a subpoena to look into that account with that email. I asked why do i need that when i only have one email in that bank. who open a account in my name with that email.. Please help me with this matter
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (PA)

On XX/XX/XXXX I was notified that a collection was placed on my account from XXXX so I immediately contacted XXXX to dispute it because XXXX was notified by me that my phone and documents were stolen long time ago and so I called the company ( XXXX ) to ask why I have a collection from them ( and to remind them that the phones was paid off ) and also notified them that my phone and important cards were stolen and I dont have access to the XXXX account to report what was going on the XXXX representative informed me that someone made a payment on XX/XX/XXXX ( that conversation happened on XX/XX/XXXX ) and she continued to say that my credit report shouldnt have a collection on it I was told by the representative that they will put a note on the account and remove it now today XX/XX/XXXX I am getting a notification from XXXX that they updated it and placed it back on my credit reporti immediately contacted XXXX XXXXXXXX XXXX to dispute it again and I contacted the XXXX XXXX again and the XXXXXXXX XXXX XXXX XXXXXXXX were acting suspicious asking me for address after she asked me for phone numbers and email on file. I asked her why she needed my address as she shouldve pulled it up when she put my phone number in and i told her not to update my address in the system because I know that theyre trying to pin account to my name so I told her I need to speak to her supervisor because shes being unprofessional by telling me that Im still obligated to pay for a service that I dont have nor owe any money on. She told me that shes going to connect me to the department that deals with the collection which is a different company named receivable performance management, a debt collection agent, but I keep getting reconnected to various representatives from XXXX for XXXX XXXX. No one from the collection department was answering the phone, so I just keep getting reconnected to XXXX Im super frustrated at this point.