davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
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. (AL)

Equifax is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2019-03-25
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: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX in reference to XXXX XXXX credit card stating that they were reducing my credit card limit due to information in my credit bureau from XX/XX/XXXX. How can a credit line be decreased from a bureau that is months old? They wont really answer any questions. Now the significant reduction in credit line is affecting my credit score. I am working extremely hard at raising my score. I have never missed a payment with them. I rarely have a balance. I just do t think its right to lower my line from an old bureau report.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I booked a flight with the HSBC rewards program. My card was supposed to be charged for the entire amount {$740.00} USD and a statement credit of {$650.00} USD to be issued for the Points I selected ( XXXX ). 
HSBC never posted the credit nor removed the points as agreed. 
I have contacted the client service team multiple time and even though they said they had a tech issue and that the Back Office would address this problem its over a month now I have no updates or status from their side. 
Every time I called the service team said a supervisor needs to action but there was not one available at any point. 
I have also raised the concern with my relationship manager, no solution provided. 
As a consequence I am taking a loss of {$650.00} that was not part of my financial planning for the month and there is no response from the institution. 
The ref of the claim is XXXX ( I managed to get a # after many many times asking ) - however I wouldn't trust the HSBC tracking method for open claims as the multiple times I called there seemed to be no proper register.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

I have been disputing the obligation of this debt in writing directly with the Creditor as well as with the credit bureaus. The credit bureaus fail to conduct a thorough investigation and simply parrot information from the Creditor. The results have continued to come back as verified. I have sent the Creditor over 4 letters requesting that they verify this debt they are claiming I owe them or remove it from my credit profile. The very first letter was sent to the Creditor the last week of XX/XX/2021. Not only have they failed to respond to my requests, they also continue to report this derogatory information on my credit profile. I have even noticed that the debt has been re-aged by 2 years with one of the Bureaus.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (TN)

This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from XXXX XXXX XXXX XXXX XXXX for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion. 

I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them. 

I called XXXX XXXX back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments , LLC ... 

I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received an alert that I got a hard check of my credit. I checked it out and XXXX checked my credit. I did not request this check at all. I am not a XXXX customer and have no intention of becoming one. Here 's the information provided : XXXX XXXX Request from : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Since it was only a credit check and an account was not opened, I could not submit a dispute with TransUnion ( the credit agency checked ). I called XXXX and they said they do not have a fraud department and could not provide me with any information because I was not a customer. I called TransUnion back and they said that I needed XXXX to provide a deletion letter and I needed to also send them an authorization letter. I called XXXX back and they have a specific policy where they do not provide deletion letters. 

So essentially, I'm caught in a loop where TransUnion won't remove the inquiry because I need a deletion letter from XXXX and XXXX has a policy where they do not provide deletion letters. Apparently this credit check caused a 5 point drop in my credit score. I want it removed.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  account # XXXX, XXXX 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 furnish a account without my written instructions
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

XX/XX/XXXX- NewRez paid my property taxes even though I did not have an XXXX account with them. Unfortunately I had already paid my taxes with the state and this left a significant balance due. I contacted NewRez and it took them months to get us a resolution. While they were looking for a resolution, I had to turn off my auto-pay because the payment I would have had to make was almost double my mortgage payment. This was a mistake on their end and I had to endure an immense amount of aggravation to get it resolved. I was told they would look into it and call me back. 

XX/XX/XXXX - No call back received, spent an hour on the phone trying to get to a human. Finally got to someone that said they would look into it. I made a payment over the phone for my normal mortgage amount because the online system would not allow me to pay what I owed, but rather an inflated number. 

This continued through XX/XX/XXXX- With calls twice a month from me to them to get updates. Everytime I called it was like starting over. I received checks from NewRez that I shouldn't have and it was all super confusing. It was near impossible to make sense of it all. I believe it was the XXXX statement that looked inflated again. I had thought I made the call to make the normal payment, but within all the mess I forgot and it looked like I missed a mortgage payment in either XXXX or XXXX. Never in my life prior to this had I missed a mortgage payment on any of my homes. As soon as I realized what happened, I immediately called and made the payment. 

XX/XX/XXXX- NewRez hits my credit with a missed mortgage payment and drops it over 100 points. I called NewRez asking for forgiveness due to the situation. I was told to send an email. Emails were sent and I finally got a letter in the mail that effectively told me to kick rocks and that there was nothing they could do. I called again but the representatives would not transfer me to the appropriate person or department. I finally gave-up and decided to deal with it. That is until I learned about your organization.
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (AZ)

This company won't stop sending me letters about a debt I do not owe. I have paid all of my debts in a timely manner for longer than any statute of limitations that may apply. I don't recognize this debt, and if it were ever mine, it is way beyond any statue of limitations and is time-barred.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had some funds for the amount of XXXX for property damage to be direct deposited into my citizens bank account, from XXXX XXXX, the Adjuster made the payment on XX/XX/2022 also sent email for confirmation that morning around XXXX. I saw the email then checked my account online banking seen the funds posted and the money I owed the bank recovered which was for XXXX dollars, which brought my balance down to XXXX. I ALSO call the bank that evening to verify my funds, because it was strange that I couldn't use my debit card, thats the same way the XXXX from XXXX XXXX use to make the payment by that method, so I had to go to the bank in the morning. XXXX o clock the next morning XX/XX/2022 all my funds gone with A reoccurring fee of XXXX dollar charge off account. How's that when it was paid positive account with A balance of XXXX and repsentive verified that the day before. I go to the branch they don't see any transactions don't file any disputes call by phone samething transfer all over and don't handle nothing just ask me for the XXXX. Strange that citizen won't reach out to the Adjuster. But the Adjuster is willing to submit what ever he need. No payment ever sent back to the sender yet it 3 weeks later. Citizens still haven't done anything. Acting like I stole my own money somebody from their department committed an fraudulent act.
Consumer complaint received 2019-01-08
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 (AZ)

On or around XXXX, XXXX, I applied and was granted a XXXX credit limit with American Express and transferred another credit card balance less than XXXX. Since then, I have made the minimum payment plus interest each month as indicated on my account. 
On or around XXXX XXXX, I forgot to make my monthly payment to American Express and have was fined a late fee of {$38.00} thus making my payment due immediately of {$62.00}. On XXXX XXXX, I received a phone call from a CSR from American Express to remind me of my payment due, to which I agreed to pay once I arrived home. Upon logging in to make the payment I noticed my credit limit decreased tremendously from XXXX to XXXX. I then called American Express to obtain verification to the change in credit limit and was informed that the change was not set in stone and that I can appeal to reverse the changes. The CSR rep was confused as to why my credit limit was decreased quoting that " he has seen other accounts in way worse condition, and should not have happened and the reasons they gave are questionable ''. I was then transferred to the Responsible Lending Department. Apparently, the Responsible Lending Department issued a change due to the FICO credit ( XXXX ) and the payment each month to balance were to high. I owe {$2200.00} which does not reflect the monthly payment made of {$62.00} that includes the {$38.00} late fee. After speaking with the Responsible Lending Department representative, he informed me that my option are to pay {$1100.00} between XXXX XXXX and XXXX XXXX and it would be best to use the card more often. According to my math, this is means paying appx {$340.00} per month. The Responsible Lending Department representative reported that my options are to make the payments or complete the document option which requires going over my financials. I am puzzled at their tactics in attempt to bully me into making a {$340.00} payment when the monthly payment amount does not reflect what the Responsible Lending Department representative stated is within their policy. I asked the Responsible Lending Department representative about the appeal/reverse option to which he stated the two options mentioned were the only ways to reverse my credit limit decrease. If I had known that not maxing out my American Express card would result in them bullying me and holding my credit limit for ransom I would have sought out other prestigious credit cards elsewhere.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is no acurate delete the account below
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX XXXX XXXX. 
I applied for a XXXX XXXX XXXX to see what my interest and credit limit would be. 
Once XXXX  got the application they set me up for a account with a credit card when I had called them and told them I was only checking what the interest and limits would be. 
I never received a credit card and never activated a credit card with this company, but yet they show on all 3 credit reports that I closed a credit Card account with them, This hurts my credit reports a lot. 
I called them and told them I did NOT want to use there services or credit card and never Opened a account with XXXX XXXX XXXX XXXXXXXX 's. 
Please remove the closed account from all three credit reporting agencies.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX ( page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. I have contacted to two bureaus  to fix this incorrect reporting on my credit report. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you once again regarding the persistent presence of charged off accounts on my credit report. Despite my repeated attempts to rectify this matter, it appears that no action has been taken by your company to address this issue. Frankly, I am beyond frustrated and deeply annoyed by your lack of response and inaction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In JXX/XX/2020, I have filed a notice with XXXX, XXXX, and TransUnion for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XX/XX/2020, I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XX/XX/2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Consumer complaint received 2018-04-27
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: LEXISNEXIS (NC)

Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

TransUnion reported a credit card from XXXX  XXXX in my report. I dont have a XXXX  XXXX credit card. I reported this information to the credit bureaus and also contacted XXXX  XXXX. XXXX  XXXX confirmed that I dont have a credit card associated with my SS #. This was reported to the bureaus and I havent heard at all. 

In addition the reporting agency transunion reported two names associated with my credit report that does not belong to me. This is considered fraud specifically when someone opened a credit card under my name. 

This has impacted me significantly since my score went from XXXX to XXXX. Specifically when I had worked hard to keep my credit score high. 

Thank you and Im counting on you to assist me with my dispute.