davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I am a a realtor representing a buyer in the purchase of a home in the XXXX Arizona area. The loan was denied by Quicken loans due to " unacceptable property type '' I was notified by the sellers agent that townhome was classified as a condo - not correct. The appraiser was asked to change the property type on the appraisal ( by quicken ) from townhouse to condo, even though it is a townhome. I have had little to no communication from the quicken loan team handling the transaction. I have made several attempts to have updates along the way & formally requested a loan status update ( required to be provided on a weekly basis, only one was provided after formal written request ), in addition to emails & calls. My buyers have been tainted regarding the HOA & their reserve funds ( over a XXXX dollars between both master & sub-HOA ) the quicken team has made them feel that they are in danger with the HOA somehow. This transaction has been tainted by individuals at quicken & is most likely going to be canceled because of Quicken. This is unacceptable behavior & highly unprofessional, maybe illegal. Many lenders lend in this subdivision on a yearly basis, why would this be an issue for Quicken if it is not for other regulated companies. The property did appraise with no conditions.
Consumer complaint received 2019-09-19
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. (PA)

Informative is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

This issues has been ongoing over the past years. XXXX being a New Year I've decided to reduce my banking activity with Citibank. 

See letter dated XX/XX/XXXX from XXXX XXXX and my response that I will attach.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (MO)

I sent 2 letters to XXXX XXXX which is a debt collector for XXXX XXXX XXXX XXXX. In the 2 letters, I asked for verification of debt they say I owe to them. Anything signed to prove I owe them what they say I do. Any document supporting their claim. I received 2 letters back with the words we have verified the debt with no supporting documents at all. I have the right to dispute their claim since they put it on my credit report and is effecting my credit. Nothing was sent to me. That is not a verification of debt.
Consumer complaint received 2019-04-08
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. (AL)

My name is XXXX XXXX. I know I am a victim of Identity theft and I started this process and took the correct procedure to get the fraudulent activity off my report over a year ago, XX/XX/XXXX to be exact. The account and inquiries still continue to report even after a full year. This is ridiculous! I not only filed a police report, I also faxed and sent all documents certified mail. I also have hired an attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Al XXXX. He has noticed several breaches in the FCRA committed by XXXX, XXXX and EXPERIAN. This has to stop. Here is a list of all the accounts and inquiries that are fraudulent. 

EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX resource groupXXXX  XXXX XXXX XXXX {$950.00} Bankruptcy chapter 13 -petiton filed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX factual data leasing desk XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter 13 bankruptcy filingXXXX XXXX  XX/XX/XXXX ref no. XXXX I have never filed bankruptcy.. this is under a different name XXXX XXXX  XXXX {$790.00} XXXX XXXX XXXX XXXX {$1600.00} All these accounts and inquiries don't belong to me an I have the proof to show that. I have reached out to each creditor and informed them of the fraud that took place. 

As my lawyer XXXX XXXX stated in our claim, we feel as if these individuals ' are responsible for their bureaus negligence and non compliance with the FCRA and will be named on our lawsuit XXXX  XXXX XXXX EVP Compliance and Litigation XXXX  XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX XXXX Fraud and Identity management XXXX  XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President XXXX Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX  XXXX XXXX XXXX XXXX XXXX VP/Sr Manager of Regulation and Compliance XXXX  XXXX XXXX XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX vice president chief legal officer XXXX  XXXX XXXX EXPERIAN XXXX XXXX Customer Service Manager at Experian Experian XXXX Email : XXXX XXXX XXXX Operations Manager Experian XXXX XXXX XXXX XXXX CEO CEO Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator Experian XXXX XXXX  XXXX XXXX XXXX CEO North America Experian PLC XXXX XXXX
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

When getting a auto insurance quote they pulled the XXXX . report from Nexis Lexis. Nexis Lexis shows that I have had two auto accidents in the past five years in XXXX. Here is the issue though I have been in XXXX for the past five years and haven't been back in XXXX. As well the truck involved in both of the wrecks is my dads truck and he was the driver in both wrecks. Yet they show the accidents under my reports and his reports. Pulled my DMV record which is clean and offered to send that into Nexis Lexis. They said they will look into the record and dispute the claims but nothing may change and they will don't want me to send my DMV report. They also did not confirm if they actually pull records by the SSN or DL number. As well they do not audit their information or check that they are searching the correct records. Have told them to dispute the findings and they have done nothing on the reports or looked into the matter. This has been going on for four years now and they will not correct. Currently seeking legal action against them for inaccurate reporting against a person, and unwillingness to audit or look into the report.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TN)

RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to XXXX XXXX and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX, I made an electronic payment to Bank of America in the amount of {$8300.00} ( this amount paid my account in full ). On XX/XX/XXXX, Bank of America tried to debit my account for an additional {$7900.00} ( which I did not authorize ). On XX/XX/XXXX, I called Bank of America and spoke to someone named XXXX and explained that Bank of America should not be charging my XXXX XXXX account for any amount because I paid the balance in full on XX/XX/XXXX. She said she completely understood what I was saying but the charge had already went thru but not to worry as it would be refunded in 2-3 days. ( I explained that I did not know how that was possible as I did not have that much money in my account ). On XX/XX/XXXX, {$7900.00} was taken from my account by Bank of America. When this amount was still not credited as of XX/XX/XXXX, I called Bank of America again and spoke to someone named XXXX XXXX. He said he understood what was going on but he was not able to refund my money and the situation had to be " thoroughly reviewed '' by a different department and that would take 8-10 days. I told him that was not acceptable and that I was going to start action against the bank. Note : My " payment due date '' is the XXXX of each month. Thank You, XXXX
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (TX)

A debt collector from XXXX XXXX XXXX XXXX XXXX calls multiple times a day for the past month stating they want collect a debt. They have left voicemails pertaining to act like an attorney. They also call from numbers with the same area code and do not speak until I do then hang up, I have instructed them not to contact and this is extremely harassing. They have violated the law and their supposed debt is now null and void due to this.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (CT)

This is regarding CeditKarma.com Over a week ago I received an email notice that an account was created and this was sent to my email address. I did not create this account I contacted support immediately via email, as they have no phone number, and did not hear back. I have tried several times and had no response. I have even contacted via XXXX XXXX. 

I got 2 separate emails today stating that reports had been run and could affect my score. I have done everything I can to resolve this but Credit Karma is not even attempting to make an effort. 

My identity and credit are at stake.
Consumer complaint received 2020-02-06
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. (DC)

I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX-XXXX ) for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates, llc has been repeatedly attempting to collect on a debt from XXXX XXXX for at least the past year with no proof. All they send for validation is a few card statements. They did not send me anything that shows I am legally required to pay them. Portfolio Recovery has a history of ripping off people, I don't want to be the next victim. I have requested an original contract in its original form. I get nothing but card statements with zero signatures. I do not know of this debt. I have received collection demands dated XX/XX/2019 and XX/XX/2019 with no contract whatsoever. They have been affecting my credit for the past year and I tried my best to get proof from them they do not have. Anyone can make up a billing statement. Show me the contract.
Consumer complaint received 2019-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: B&F Finance Corp. (TX)

i begin 1 month and the supervisor call me 7 or 9 times a day, i tell i no have money for pay and she call to me reference to tell can i can't pay she send me to court and send text to my reference i can believe she shering everything is confidencial. i call the main corp from the B & F financial and the company not doing nothing and this lady is continue doing. this person is supervisor she is name is XXXX XXXX. And continue let me a paper in my door with information this person she no work with the client, she extorsion   the people : ( : (
Consumer complaint received 2023-06-12
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. (PA)

I am promised accuracy on my consumer credit report by federal law. Im making secindattempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove the following accounts XXXX XXXX XXXX XXXX, amount {$2500.00} A total of XXXX XXXX XXXX XXXX XXXX amounts {$1300.00}, {$3100.00}, {$3800.00}, {$3800.00}, {$7600.00}, {$1300.00} {$4900.00}, {$5900.00}, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Account XXXX amount {$570.00}
Consumer complaint received 2023-01-18
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. (NC)

In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1B1, 1. XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX - XXXX 4. XXXX XXXXXXXX XXXX - XXXX 5. XXXX - XXXX has violated my rights. 
15 U.S.C 16BI section ( 602 A. States 1 have the right to privacy.

15 U.S.C 1681 Section L04 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.E 1BIc. ( 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. 4815-2 ( A ) ( ) A person shall not furnish any information relating to a consumer to any consumer reporting agency tf the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-10
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. (GA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/2023 I login to pay my credit card in full ( which I always do ) and I found my account closed. I've had this card for over 10 years and never had any issues with it, and my balance is always paid off in full. I called 3 times and in all times they said that I should have gotten a document in the mail but I do not have anything. To top it off, I lost all my thank you points that I have accumulated over the years.
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I transferred all of my student loans to XXXX in XXXX of last year to hopefully qualify for public service loan forgiveness. I had 5 years of employment verified to count towards loan forgiveness based on my employer certification form. My loans were all transferred and I began making payments to XXXX  in XXXX of last year. At that time, my payment count began. In XXXX, I called to see if my payment count had been completed, it had not, they stated this could take up to 6 months. I called back in XXXX, and they " expedited '' my count, however, told me that counts were now taking up to 9 months. It has been a full calendar year, and my counts are still in process. I have now called back 6 times and been given no indication of when or if this process will be completed. The whole reason I transferred my loans was to hopefully qualify for XXXX and it looks like myfedloans has no intention of allowing me to do this while making money off the interest accruing on my loans.
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (VA)

This company utterly refuses to comply with the law regarding disputes for unauthorized purchases. I contacted this company initially on XX/XX/XXXX to advise of an unauthorized purchased through XXXX XXXX ... on XX/XX/XXXX I sent these people proof not only did I not make the purchase. They blocked my card on a weekend. And I spent two hours on the phone attempting to get a supervisor. These creeps have lied about the resolution date three times. Not only have I removed my payroll proceeds from the account. They keep charging me fees for an all but closed account. They lie over and over again about the date this matter is supposed to be closed. the initial resolution date was on XX/XX/XXXX they never responded to my inquiry then the date changed from XX/XX/XXXX to XX/XX/XXXX. Now they are just not responding to my inquiries, they have not refunded my money, and are tacking on a bunch of service fees. the only reason this account hasn't been closed is that they keep dragging this matter out while charging me fees for a closed account, so even if they refund me, they have assessed fees to ensure that I won't. This is the second request and complaint, which is the only reason they pretend to reach out. they know i want this account closed yet they continue to bill unauthorized fees
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc. (KY)

XX/XX/2019 I sent a debt Validation letter to verify the alleged debt. What I received back gives no indication that they even know what Im talking about, and seems as if they are asking me to validate it myself. CCHA ( the collection agency ) did in fact remove the debt pending investigation. I have attached the letter I received in response to my validation letter I sent.
Consumer complaint received 2022-09-08
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. (MD)

n accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions