davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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. (NY)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Discover Card. On XX/XX/2022, while traveling, Discover Card, without warning and for not decernible reason, put a hold on my card. I was sent an email which required me to down load a poorly worded form statement and take it to a notary, have my signature placed on the form before the notary, have the notary sign the form and then mail it to Discover. This was impossible at the time as I was traveling from Florida to North Carolina. I called Discover and was shuffled from one operator to another. Noone could tell me why they had taken this action to freeze my account nor would they do anything to assist me in resolving this issue. I feel this was an unfair and deceptive trade practice.
Consumer complaint received 2019-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (IL)

Hello, I was previous approved for a modification. I received three modification packages and returned all three. I even called asking why am I receiving three different packages. I was told their numbers where wrong. I received a letter today stating the package was denied because I did not rerun package. I returned all the packages.
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

I settled with LVNV funding on an account originally from XXXX XXXX XXXX. Attached is settlement agreement. I would like to ask LVNV to remove this as a collection account from all three credit agencies.
Consumer complaint received 2019-07-30
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. (NJ)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-12-17
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (VA)

I notified TD Bank Credit Card that I will be traveling to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. However, during this period, my credit card was abruptly turned off. From a correspondence received after XX/XX/XXXX : Per TD Bank : In our efforts to protect and better serve our cardholders, we continually monitor our credit card accounts for transactions which occur from fraudulent useWe apologize for any inconvenience this may cause I verified all transactions with TD on Sunday, XX/XX/2021 per my conversation, with the TD Bank representative, she reassured me that my bank card would be turned back on. Unfortunately, this was not the case. I was stranded without any available credit card for use for hotel and transportation stay. I succumbed unnecessary fees as a result of this inconvenience. 

I also TD Bank on XX/XX/2021 that I would be traveling to XXXX from XX/XX/XXXX to XX/XX/XXXX... I didnt want my credit card to be turned off.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

CONSUMER MORTAGE COMPANY CREDITOR : CONSUMER MORTAGE COMPANY DATE ASSIGNED : XXXX, 2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COMPANY. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2024-02-16
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (CO)

I sent a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-12-17
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. (PA)

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX CREDITOR : XXXX XXXXXXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2021-11-16
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-12-17
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-16
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: PENNYMAC LOAN SERVICES, LLC. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PENNYMAC LOAN SERVICES Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Collection Service Inc (GA) (NV)

THE COMPANY, PROFFESIONAL COLLECTIONS SERVICES, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (AZ)

GINNYS - I have paid this account over two years ago and asked the credit bureau XXXX to remove it from my credit file. And XXXX will not remove the account. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount Original loan amount Monthly payment Paid
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, My all AMEX credit cards were cancelled by Amex today ( XX/XX/2021 ), Amex is my favourite credit card company because I really like their service and the credit card benefits. I hope Amex can make another reconsideration of my case. 
I always pay my bills on time and have an excellent credit score, On XX/XX/2021, I got a financial review from Amex, I guess it was caused because of some XXXX purchases made by my Amex XXXX credit card, then I paid off all bills right away to keep the balance be XXXX ( I always made the payment on time ). Amex Financial Review says I need to provide my tax return to verify my income, then I filled out the 4506-C form ASAP, so Amex will get my tax return from IRS ASAP and Amex agents told me that it usually take one or two weeks. However, it takes more than 2 months and I still do not get any response from Amex. When I tried to reach out to Amex again, they told me they are not allowed to get my tax return from IRS due to some system errors or IRS delays, and then they ask me to request one from IRS and ship it to them. It is very sad to get this message, but I still request one from IRS right away and then I ship it to AMEX. 
On the morning of XX/XX/2021, the most disappointing thing is that Amex told me the tax return format is not what they want, and I will not have enough time to get a second try. I am very sad to get this result, but it is not fair to me. Usually, Amex gets the tax form from IRS directly, and I was trying to do my best that I can do. 
I really want my AMEX cards to be good to use because I do have two family trips next year, and we hope to have a great trip experience with Amex platinum card benefits ( plan to apply next year ), I also recommend Amex cards to my friends and family members all the time to tell them, Amex is the best credit card company, you can get whatever cards you want, and they have an. excellent customer service.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AK)

We were sent a loan estimate at the start of the loan process and it listed our origination fee at 1 %. We are now almost at closing and are origination fee is now at 4 % and they want to charge us {$3000.00} to buy down the rate. The rate but down was never discussed and I never received any disclosure. They said it was because my loan has been in process for 78 days. Which I was not at fault for.
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2020-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Social Finance, Inc. (AL)

SUBJECT : Hardship ; XX/XX/XXXX -- I relocated back home to help my recently widowed Mom. XX/XX/XXXX - I was unemployed. XXXX XXXX I Submitted for a " 12 month Unemployment Deferment ''. XX/XX/XXXX - I get noticed that I was late on my payment. XX/XX/XXXX. I called to find out my " 12 month deferment was in 3 month increments. '' Apparently, I had missed the time line by a mater of days. In addition, I am taking my Mom to the Emergency and struggling to find gainful employment and its the holidays. SoFi charges late fees on me. Does not allow me to any more deferments. Reports me to credit agency. I continually paid SoFi through this time and called them multiple times to work out something with me. There is not 1 month in question where money was not sent into SOFI and calls made to keep them informed of the status. My income has been cut by 75 % and they tell me no to refinance, give a forbearance to allow me time to restructure or anything and will not work with other creditors to consolidate or refinance. I felt I was caught up in the " small print '' of things. They continue to send emails telling me they will " help '' but continue to refuse continued " help ''. The entire 12 Month deferment was shady in verbiage in my opinion. I thought I was under deferment when I was not but at the time I was struggling to help my ill mother. I am attempting to restructure my finances and requested additional time to help find my options on XX/XX/XXXX after paying them {$4300.00} and bringing this account current. They once again, told me " no ''.
Consumer complaint received 2023-07-28
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: HYUNDAI CAPITAL AMERICA (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

My Citi credit card ending in XXXX still has not updated on my XXXX credit report since XX/XX/2021 despite repeated correspondence with the Citi Executive Response Team. In their most recent response they've said that they are going to stop responding to my requests and " consider my complaint resolved '' at this point. Until my Citi account begins to update on my XXXX credit report, which it has not for going on 7 months, this issue is certainly not resolved. Citi has repeatedly stated that my suffix " XXXX  '' is the cause of the issue. I have spoken to XXXX many times and they allow for the use of a suffix field. As stated in my previous correspondence, all of my other creditors report my suffix " XXXX '' to XXXX on those accounts and every single one of them updates every month just fine. Again, this is a Citi issue, NOT a XXXX issue. I have attached further supporting evidence of this below, where I've included screen shots from 4 of my other creditors showing that they allow for a suffix field, but when you look at the Citi image ( last ) they do not ask for a suffix. XXXX like most institutions uses XX/XX/XXXX 2 formatting which allows for 426 characters of reporting and fields 33 and field 6 depending on which segment are for generation/suffix. If whoever that is handling my complaints at the Citi Executive Office is unaware, unable or unwilling to further assist with my inquiry ( as evidenced by their last response ) I would appreciate it if it were passed on to someone in the credit bureau division of Citi that understandsXX/XX/XXXX 2 reporting and can adequately address my concern. Blaming my suffix for the non-updating of my account on my credit report for nearly 7 months is not an acceptable response and as a customer I'm entitled to have ACCURATE and current information presented on my credit report. Currently it is not, and that must be rectified. 

XX/XX/XXXX XXXX : XXXX Please see the images uploaded which show many of my other lenders using a suffix field, but Citi NOT using the suffix field.