davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

Please reconsider my credit limit which was {$8000.00} from my initial application on XX/XX/2021. I recently purchased a home with my husband and we both applied to XXXX XXXX. We applied separately he got approved for {$2000.00}. I got approved for {$8000.00}. I have since from the date of opening my account paid every last payment on time. No lateness. My account has been current and in good standing. We applied because as a homeowners it makes since to have an account for projects. We were contemplating on adding a sunroom to our new home. On XX/XX/XXXX I get a alert XXXX in the morning which stated I was nearing my credit limit. This alert was set by me to message me when I spend close to my limit. The alert alarmed me I thought fraudulent activity on my account because I knew I was using only XXXX percent of my credit limit my balance was {$38.00} so I called Citibank that day when they opened and the representative told me they do a yearly review and decreased my limit. I find this not to be true my mother has a {$10000.00} limit and my husband opened his account and his account was not reviewed or limit decreased as a lot of other people I have researched. The representative was very nasty and ignorant and quote you lucky they did not close your account. They took {$7500.00} away and left me with {$500.00}. The representative spoke to me like I was a criminal or as if I was not paying my bill. I DO NOT HAVE ONE blemish on my credit. I have no derogatory marks on my no collections no lateness ABSOLUTELY NONE. I established credit XXXX  years ago I always use to purchase with cash. So I decided to get some credit cards. I recently purchased a new home used my Wayfair card to purchase all new furniture for our home along with other cards I have. No other company decreased my limit and review my account without my permission and on top of that didnt even notify me. All my accounts on my credit report are current and no late payments. Since Covid I notice the credit bureau are only reporting when your usage go up but not when you pay your card balance down. Taking {$7500.00} from my credit report for no reason when my account was current and showing a balance of {$38.00} is not ethical and brought my score down. My balance is XXXX as of to date.
Consumer complaint received 2022-05-29
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. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # 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 Furnished my account without my written consent
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Gotham Collection Services Corp. (MA)

I have disputed this account and have reached out to the company/creditors many times but failed. I've seen no changes for the accounts that I have filed last month I still see 30-60 days late marks on my report.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

A XXXX XXXX  credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with Transunion, XXXX  and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with TransUnion, XXXX and XXXX  for failing to due there due diligence to respond to me and correct my reports.
Consumer complaint received 2017-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened a Capital One 360 Account with promotion code XXXX  going to web address https : //www.capitalone.com/bonus400/. This was to receive a {$400.00} bonus when opening a checking account. The terms were as stated : ( 1 ) must be the primary account holder and has to be your first 360 checking account ( 2 ) must accept the terms on a new 360 Checking Account by XXXX XXXX, 2017, and ( 3 ) receive 2 direct deposits of {$250.00} or more within 60 days of accepting terms and conditions for your new account. You will receive the {$400.00} credit to your checking account.
<P/>
I completed all of these steps and still have yet to receive the bonus. When contacting customer service by chat I was told that I was n't going to receive it. When I opened the account I put in the code and it accepted it and told me I would. This is fraud by Capital One.
Consumer complaint received 2022-05-29
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. (MA)

1.XXXX XXXX {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, XXXX ) XXXX XXXX {$130.00} , acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXXclosed XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX  # XXXX has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!
Consumer complaint received 2022-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview now Community Loan Service see attached letter to XXXX, I am requesting you to contact XXXX to research investigate perform an audit based on the reimburement check from XXXX do to there erroneous charge to homeowners escrow account
Consumer complaint received 2017-07-14
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: EQUIFAX, INC. (CA)

I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my  State issu ed identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.
Consumer complaint received 2022-05-29
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. 

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.
Consumer complaint received 2022-05-29
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.
Consumer complaint received 2023-03-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since XX/XX/2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (IL)

Subject : Notice Of Dispute - TSIXXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account TSIXXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account TSI/XXXX XXXXXXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account TSIXXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account TSIXXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2022-05-29
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. (MA)

1XXXX XXXX {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, .3 ) XXXX XXXX {$130.00} XXXX acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXX XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX # XXXX has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!
Consumer complaint received 2020-11-09
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: AMERICAN HONDA FINANCE CORP (OH)

This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, XXXX and XXXX. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-11-09
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: EQUIFAX, INC. (LA)

The information attached to my credit reports contains wrong names, addresses, and accounts that do not belong to me. This information on my report is consistently affecting my personal life I can not obtain a home or vehicle because of the errors on my credit reports. There are over 60 inquires on these accounts.
Consumer complaint received 2022-05-29
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)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # 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 Furnished my account without my written consent
Consumer complaint received 2022-05-29
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. (MA)

XXXX  XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX  # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..
Consumer complaint received 2023-03-11
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Balance : {$760.00}
Consumer complaint received 2022-05-29
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: Velocity Portfolio Group (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX  CKS PRIME INVESTMENTS, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX XXXX ) HAS VIOLATED MY RIGHTS. 

15 U.S.C XXXX  section 602 A. States I have the right to privacy.

15 U.S.C XXXX  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 XXXX  b ( 2 ) not state that such consumer owes any debt.

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK (MO)

I bank with commerce bank, I sold a dirt bike and put XXXX in the atm at the branch location in XXXX. It was XXXX XXXX bills. Its all on camera from the cameras at the drive through and the camera on the atm. The ATM took my deposit then said sorry no large bills and spit my card out and I got no receipt. They opened what they call an investigation after holding my XXXX for 10 days meaning not putting the money in the account. They pulled a transaction history which I told them was never going to work cause it never took the deposit they need to pull the video and audio of the machine and any of the cameras on the drive through. Furthermore count the money in the atm and audit it. So now they pulled the XXXX back out of my account and told me its going to be a month before they can pull the video and audio which should have been done the first time. So now my account is negative for the next month and bills are going to be missed due to them not owning the issue with the atm. The have a business agreement to own and operate that atm they need to refund my money while they do there investigation.
Consumer complaint received 2019-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I sent an escrow payment to Nation star Mortgage in XX/XX/XXXX, certified mail to the escrow dept. They applied it to my mortgage payment instead which had already been paid.I had to call Corporate to get it reverse. I call Nation star mortgage on XXXX XXXX and spoke to XXXX in the Arizona office and she told me that my account is one month past due, which I disagreed with her. She went back to XX/XX/XXXX and told me there wasn't a payment made. I explained to her about the error they made with my escrow. Then she told me there wasn't a payment made it XX/XX/XXXX. I have an email from them thanking for my XX/XX/XXXX payment. The escrow check was for XXXX and it reach their dept. on XX/XX/XXXX. My mortgage payment was made on XX/XX/XXXX.