davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/2019 American Express sends me a letter. I have enclosed a copy of the letter to the consumer financial protection bureau along with American Express as I believe you will be in contact with them. The letter for the XXXX American Express business card is requesting that I go to my bank and obtain the bankers name title hours of availability and signature, confirmation of my home address, main number to the bank branch, and extension or personal lying to the banker when applicable. The letter states that I am to gather the information on my personal bank which is XXXX XXXX from my banker and fax it to American Express to continue the application. Then today I received a call from XXXX in the new application department she advised me that more than likely it would be approved and then phoned me again to advise me that its theres no need to get the banking information because it was declined for frivolous reasons and reasons that go against the fair lending credit back and discrimination being a mailbags is slightly effeminate being categorized by the bank through telephone conversation and then the bank declining the application. I was advised that they will forward the application to a higher level of approval to get the card out as promised. My personal fraud alert due to the XXXX breach was verified along with my personal information prior to me receiving a call that the card Was not approved.
Consumer complaint received 2022-08-18
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. (PA)

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that XXXX is in breach of this provision. The following accounts were never reported on my consumer report by XXXX with me as the consumer 's express authorization. 

Consumer : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX date of birth : XX/XX/1990 XXXX file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. XXXX is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; XXXX must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a debt collection reporting to my credit bureaus that is not mine. The account was opened without my consent as the result of an identity theft. I have made attempts to address this matter directly with debtor but was unsuccessful. The card was charged up under my personal information and now has left a permanent blemish on my reports.
Consumer complaint received 2023-07-22
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. (AR)

I have submitted a police report to all 3 bureaus. Im getting the same automatic emails and responses. They re-inserting fraudulent accounts on my credit report. They saying the accounts are update or verified & they not giving me the method of verification. They not calling any guidelines & letting these accounts reappear on my credit file.
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MST Financial Services, L.L.C. (ID)

I had a male call me about a medical bill while I was shopping at XXXX. He requested my Social Security number and mailing address. I refused to give him any information since I did not initiate the phone call. I thought it was a spam call. I requested a call back number and he refused and hung up the phone call. He said he was from XXXX XXXX XXXX where I have been too, but you can never be too careful. I have never ever had a late payment on my credit report or a lien or anything. Once I receive a bill I pay it. Now as of XX/XX/2019 my credit report shows a collection from XXXX XXXX XXXX in the amount of {$250.00}. My Husband and I are planning on building our Dream House this spring and my XXXX mid score dropped to XXXX which means we will not get the lowest interest rate. Please help me and advise on what to do, when I call the XXXX XXXX. XXXX, it just goes to voicemail. I have paid every bill from XXXX XXXX XXXX so I don't know who this Company is.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Assured Financial Partners (MS)

The complaint is against XXXX XXXX XXXX ... .XXXX XXXX made a call to my current employer on XX/XX/2019 and spoke with someone in HR in lengths about an alleged debt ... .they told the HR person all about the alleged debt I may owe ... XXXX XXXX made it seem as if I was going to jail behind this debt..They told the person in HR that if I didn't contact them then I will be going to court for the alleged debt. XXXX XXXX XXXX   then stated to the HR person the amount and court fees if they don't get in contact with me ... Not only did the person in HR was told this ... but someone else was in her office and she had XXXX XXXX  on speaker phone so another employee heard all of this to ... XXXX XXXX XXXX  even went as far as asking HR could they send a certified letter to my job for someone to sign for..I work at night so it would be impossible for me to sign for a certified letter.which in turn means anyone can/would sign for further exposing this alleged debt to unknown persons other than myself XXXX XXXX XXXX also stated since they don't have my address they are going to send a certified letter to my job ... The HR personnel was so worried after the phone call she texted me a message in this regard.. I do have that text message saved also. I've at the same address for 17yrs ... I called the number left XXXX/ case number XXXX to see what this was all about on XX/XX/2019 ... ..The representative of XXXX XXXX told me if I didn't pay then it would cost me XXXX in legal fees plus alleged debit of XXXX ( + ) if I didn't pay ... .He made it seem as if court documents had already been filed when no paperwork was filed for a case in court .... I asked for a debt validation letter but have not received it as of this date .... XX/XX/2019 ....
Consumer complaint received 2019-04-05
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rainier Financial Group, LLC (UT)

I received and email from XXXX XXXX XXXX XXXX, payday loan company here in Utah, back at the end of XX/XX/2019 stating that I owed them money for a debt that already has a judgement and currently am already being garnished for. I called the number in the email and spoke with someone in their collections department. The rep told me they never received their payment. I told them I have proof of the amounts garnished since they won their judgement in court. The rep then stated that I had to pay them directly over the phone. I told them I am already being garnished so I would not pay more that what was determined by the court documents. She then tried to get me to pay them a " lower amount '' to settle the debt. I told her I prefer to deal with the garnishment process and to stop contacting me about it. 

I then received another email onXX/XX/XXXX from the same payday loan company stating, " Our records indicate that you have a pending balance on a loan, there have been several attempts to reach you and we haven't been able to get a hold of you. Please contact us to discuss your available options '' Again that is not correct as I called them and replied to the email they sent back in XXXX. I told them that since their company won a judgment from me in court and my Paychecks are being garnished. I also agian asked them to stop contacting me about this past due account since they get money from me every two weeks. 

I also received the same email with the same message on XX/XX/XXXX. To which I replied again, they won the judgment, I am being garnished and to stop contacting me. 

OnXX/XX/XXXXI receive yet another email from XXXX XXXX XXXX XXXX   stating that I owed the full amount ASAP or they would pursue " further legal action. I replied that they stop contacting me.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (FL)

I call Harvard Collection services at XXXX around XXXX XXXX EST and spoke with representative by the name of XXXX. I asked him to provide information regarding a debt and he advised they were a collection Agency and have had my account since XXXX XX/XX/2019. I then asked him why was there no notice or information provided to me regarding the debt he said one moment why he researches that information, he then acknowledged that no notice was sent to me and he will transfer me to his supervisor and they would tell me why there was never a notice of debt sent to me. 

Company involved are XXXX XXXX XXXX in XXXX FL and Harvard Collection services
Consumer complaint received 2019-09-18
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)

This complaint is regarding XXXX XXXX ACCOUNT XXXX appearing on my EXPERIAN AND XXXX CREDIT BUREAUS.I have attached hard copy reports from both bureaus. 
The reporting on EXPERIAN is misleading, inaccurate and incomplete.Experian says " collection '' in the payment history for XX/XX/XXXX.XXXX received {$60.00} on XX/XX/XXXX.The recent payment amount says " not reported '' .It should say {$60.00}. 
Under recent balance it says " not reported. " It should say either {$0.00} or $ XXXX.Under " status '' it should read '' paid in full '' to prevent other interpretation in a negative light. 
With XXXX " date first major delinquency reported says XX/XX/XXXX and XX/XX/XXXX.This is inaccurate, the major delinquency was reported more than 3 years earlier.The date closed is a blank. 

In addition, the creditor violates implied warranty laws of CALIFORNIA ... much stricter, and without the loopholes of the Federal law.When you sell a product and service you must deliver what was promised.XXXX promised adequate cell service.It 's possibly changed today but in XX/XX/XXXX and XX/XX/XXXX XXXX lacked the cell tower coverage for adequate service in the valley, XXXX XXXX surrounding XXXX XXXX. 
IN XXXX XXXX XXXX, XXXX XXXX, XXXX, ALL IN CLOSE PROXIMITY TO MY DOORSTEP, THE XXXX PHONE HAD INTERFERENCE, DROPPED CALLS, AND NO MESSAGES TAKEN CAUSED BY SOMETHING AS SIMPLE AS THE WIND BLOWING.THEIR SERVICE DID NOT FUNCTION ADEQUATELY TO BE RELIED UPON. 
I HAD TO USE REMAINING PAY PHONES OFTEN TO COMPLETE MY BUSINESS. 
THIS ACCOUNT SHOULD BE DELETED FOR MULTIPLE REASONS AND THE FCRA.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (IL)

XXXX notified me that I had a new inquiry on my credit from XXXX on XX/XX/2024. I called XXXX ( as I have not account with them ) and they confirmed the credit inquiry ( through Experian ) and located the fradulent account. They could not validate next steps. I have a XXXX temporary flag on my credit report and do not understand how Experian allowed this inquiry without confirming my identity with me.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-11
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. (FL)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX
Consumer complaint received 2022-08-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX contaced XXXX, went into a Foreberance program with Freedom Mortgage under the Covid Care Act. Once this ended we did a Modification and was approved in XX/XX/XXXX, documents arrived to our home a notary came we signed and notorized and sent back to Freedom Mortgage. We began our payments and noticed statements that were mailed were not updated. My wife called to find out the problem, she was told it would be corrected. After several calls regarding the situation we were advised that they were behind in inputting data in their system. Not until XX/XX/XXXX after numerous calls a reprsentative took the time to investigate the problem. Turns out the docs we signed and notorized had the incorrect principal and interest therefore it never recoreded. Since this was Freedoms Mortgage error I asked for them to send the correct docs so we could be done with this. After severl months of calling for updates and not receiving updated docs we were informed we had to go through the modification process again. So we did, I received an approval letter for interest of 3.125 percent and I called to confirm that i accept, it was recorded and we began our new monthly payment. We received docs via XXXX  XXXX opened them and my wife noticed the cover letter was dated XX/XX/XXXX with the incorrect docs enclosed. I called Freedom Mortgage to adivse them of another errror on their part. Once again i was told the correct docs would arrive as they put me on priority notice. We to this date have not received the docs with the interest rate of 3.125 that i aggreed on. In the mean time after several calls we were informed that too much time had passed and we would have to go throught the process for the thrid time. I said that was not acceptible and i want the interest of 3.125 and modification that i agreed to. 
A reprsentative from Freedom Mortgage adivsed us to go through it agian for paper procdure so we will not go into Foreclosure. I wanted them to note that i agreed on the Letter dated XX/XX/XXXX of what i confirmed to accept with the 3.125 interest and due to Freedoms inability to process this on a timely mannor is not fault of mine, as the rest of this situation. I feel presurred becuase the new lettere i rececived on XX/XX/XXXX stated the new interest is 3.625 and we have to answer by XX/XX/XXXX. This company has failed to do there proper process and i have totally complied with all that they asked of me. I feel railroaded and i want this to be know and for someone to listen to me. 

thank you for your time XXXX XXXX XXXX ( XXXX ) XXXX Freeedom Mortgage Loan Numberf is XXXX
Consumer complaint received 2024-02-09
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-11
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: EQUIFAX, INC. (MS)

I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of Equifax, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. Equifax would not allow me access to my report. I have been denied credit because of this.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STERLING JEWELERS, INC. (TX)

JARED 'S JEWELERS CLOSED MY CREDIT CARD ACCOUNT THAT HAD ALWAYS BEEN IN POSITIVE STANDING FOR OVER 3 YEARS. I NEVER RECEIVED ANY NOTIFICATION BY PHONE OR MAIL THAT MY CREDIT CARD ACCOUNT WAS GOING TO BE CLOSED. I HAVE BEEN AN OUTSTANDING CUSTOMER WITH THAT CREDIT CARD ACCOUNT. I WAS EMBARRASSED WHEN I TRIED TO GO AND MAKE A PURCHASE AND THE CARD WAS DECLINED. I FELT AS IF THE COMPANY WAS DISCRIMINATING AGAINST ME BECAUSE OF MY CREDIT RATING OR SOME OTHER FACTOR THAT MADE THEM CLOSE MY ACCOUNT.
Consumer complaint received 2019-02-11
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: Experian Information Solutions Inc. (SC)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX