davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

On XX/XX/XXXX I received an email that my credit was run by Amerisave. Thankfully I have a freeze on my credit so the pull did not go through. I applied for a loan with the company in early XXXX but decided to purchase through another mortgage company. I have not heard from this loan officer since XXXX XXXX. I then received an email from this loan officer asking me to log into my account and update the information as a returning customer. Upon logging in, all of my old application info was updated with XX/XX/XXXX date and they were asking for most recent pay stubs. I spoke to the loan officer the next morning, XX/XX/XXXX. He said he had no clue what happened and underwriting decided to run my credit. First, this is illegal without my permission. Second, this file should have been closed after months of inactivity. Third, why would you still make all my info available and update from 3 months ago ( pay stubs, bank account numbers, W-2s, my entire life was in that application ) Shouldn't that info be purged after a certain period of time. This is how data breaches happen. Forth, the company has yet been able to tell me why my credit was run. I have been a victim of identity theft. I'm now wondering if it it came from this company or did the identity thieves call impersonating me? ALOT of unanswered questions and the company is only saying we will cavcel the application but it will take days. I want answers. I want to know who gave them access to run my credit and was their a breech in their system. I want all my personal info purged, not just the application cancelled
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-08-19
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: ENCORE CAPITAL GROUP INC. (IN)

XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX  AND MIDLANAD CREDIT MANAGEMENT are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEMENT need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
Consumer complaint received 2022-03-18
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: Resurgent Capital Services L.P. (TX)

I have sent verification showing the owner agrees that I was not a co-signer I have filed identity theft I have had this account removed several times and this account is no longer owned by the company that started this fraud
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW WORLD COLLECTIONS, INC. (IN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-09-16
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. (MD)

I have been a loyal Citibank customer since XX/XX/XXXX. I have made every credit payment on time, until recently ( Summer of XX/XX/XXXX ). Unfortunately I was placed on medical leave due to some treatments I am receiving and as a result I am not allowed to work temporarily. As a result of my leave from work and delay in getting my temporary leave benefits, I did fall behind on one payment to Citibank. Actually, I did log on to Citibank to make that payment and was expected to pay 3 times the normal payment amount, therefore I was unable to make that payment at that time, resulting in some fees and interest charges putting me over my limit. 
On XX/XX/XXXX, I did speak to an Agent whose job was something along the lines of Customer Solutions ( I apologize that I do not have the proper title, but the call was on XX/XX/XXXX. ) I entered into an agreement with this agent that I would pay {$130.00} a month until the account was caught up ( take note that this is still more than my average minimum payments by at least double ) but I wanted to get caught up and back on track not only to protect my credit, but also to keep my card in good standing for the future. I was assured by this agent that entering into this agreement would protect my card and keep it open as long as I made the minimum monthly payment, via bank draft. On XX/XX/XXXX, Citibank took {$130.00} out of my checking account as agreed upon. On the same date Citibank closed my account. When I became aware of this ( a week later XX/XX/XXXX ) I did call and speak to an agent who stated that the bank closed it, and that no reason is listed. I escalated the issue and indicated that the account should have been protected against closure, as I had entered into an agreement with Citibank- an Accounts Manager did tell me that my account should have been protected from closure with this agreement as she could see where the payment was made as agreed upon. I have upheld my end of the agreement & I feel disappointed that Citibank would close my account anyway, despite my good faith efforts. Prior to this, I have never missed any payments on any of my accounts on my credit, so there would be no other reason to do that. Even the paperwork sent states that the account will become current if I keep the agreement, however it can not become " current '' if it is closed. We made an agreement and Citibank has broken their end of the bargain by closing my account.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MA)

I got the card for 0 % APR for 18 months and got a letter that it will be extended. I didnt receive the card until XXXX after i applied in XXXX. They have been charging me interest and it shouldnt be charged. I want them to remove interest.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting a recent late in XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, Experian, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.
Consumer complaint received 2020-09-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (MD)

Persolve , LLC has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.
Consumer complaint received 2022-03-18
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: TRUIST FINANCIAL CORPORATION (TX)

I have sent verification showing the owner agrees that I was not a co-signer I have filed identity theft I have had this account removed several times and this account is no longer owned by the company that started this fraud
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

My Mortgage company did not renew my home insurance policy despite my home insurance company sending them the renewal statement including the amount. I pay into escrow and has never been late on my mortgage. I did not switch mortgage companies nor the insurance company from the year prior. They brought a force placed policy in which it is very expensive. I was not aware that my insurance was not renewed, because my mortgage payment did not increase. Can you please assist with this matter. I have reached out to my mortgage company and they are telling me it is to late because the policy has been in effect for almost a year now.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CA)

I filed a dispute on XX/XX/XXXX for a fraudulent charge to my debit card. Key has sent me no documents and I've literally spent countless hours attempting to reach their dispute department, unsuccessfully. I have been blocked on multiple occasions from reaching this department and asking the direct questions I need answers to, asked by the police department. The XXXX police department has now also filed theft charges against me per the person committing fraud against me, XXXX XXXX request. She has been threatening me and harassing me by phone the entire month. You have done nothing to stop this or protect me. I've reported every incident to you. You have failed to document any of it. 

Key has failed to act on my behalf to protect me in the slightest, and document the FALSE CRIMINAL CHARGES ALLOWED TO BE FILED AGAINST ME AS A RESULT. The XXXX police officer XXXX filed case XXXX against me with the DA 's office. XXXX  PD number XXXX. 

I have been on hold today for almost two hours and the supervisor XXXX hung up in my face after taunting me in a belligerent manner for over 20 minutes. He refused to answer any direct questions and blamed the entire scenario on me, the victim, many times over now. I still have received no documentation regarding the dispute. 

The police asked me, and I still need answered, how much was charged to my card on XX/XX/XXXX? How did she wipe out my account to XXXX? What is the ACTUAL AMOUNT FRAUDULENTLY CHARGED TO MY ACCOUNT ON XX/XX/XXXX? I need to know the amount attempted. Not ACTUAL AMOUNT, BECAUSE OBVIOUSLY I KNOW THAT AMOUNT. 

WHAT WAS THE ACTUAL CHARGE ON XX/XX/XXXX? If it was ACTUALLY XXXX, Why did she know the exact amount left in mt account and take it without authorization?
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX, I applied to XXXX XXXX / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on TransUnion. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX thru XX/XX/XXXX and confirmed that there was no freeze on TransUnion. XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX. At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXk were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at TransUnion. I asked XXXX Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at TransUnion or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. XXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the TransUnion score that XXXX can not access, at XXXX. Meaning my XXXX  score is also higher. Because XXXX LXXXX  can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've contacted XXXX, TransUnion, and XXXX multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( 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 inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

I am submitting this complaint because I am being extremely affected by LVNV FUNDING LLC They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is Opened Date : XX/XX/2020 Original Creditor Name : XXXX XXXX BANK. 
Balance : {$12000.00}. 

I want to give LVNV FUNDING LLC the chance to solve this matter before any legal action is taken. 

Remedy : Deletion of account from all bureaus
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX 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 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

My insurance XXXX XXXX XXXX recently paid off my medical bills on a 3 way call with the creditors. They was informed by my insurance company that they wasnt supposed to bill me because I have Medicaid and we was told on the phone call it would be removed in 30 days after it was paid. I have disputed these claims multiple times and it either comes back accurate or verified. This is becoming a issue on my credit report I was never supposed to been billed in the first place.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (TN)

I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. XXXX XXXX XXXX have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to 15 U.S Code 1681e of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to " paid on time '', as I believe I was never late. 

If it is proven that I was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to 15 U.S Code 1681a ( 2 ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have reached out to Bank of America a few times to get this account taken care of. I have sent numerous letters to them asking them to clarify what I owe in writing and haven't received anything ever.