davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

I XXXX XXXX entered a consumer credit transaction with American Express during XX/XX/2019. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. I have notified the CRAs of this, still no response. 
American Express was also made aware of violation Federal law pursuant to 15 U.S.C. 1692d ( 5 ) -I received thousands of calls from American Express attempting to collect a debt without my consent outside of convenient hours which is deemed harassment. 

Attached below also is proof that American Express has received my affidavit of truth via certified mail. 

I requested American Express to provide the following to validate the debt : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
VerificaYon that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor.ay not treat a payment ona credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

In XX/XX/XXXX, Pennymac mortgage cancelled the homeowners insurance with XXXX XXXX  a XXXX company. Pennymac never contacted me regarding the insurance cancellation, I did receive a letter from Pennymac stating that my escrow accout needed additional funds and that my mortgage would increase from {$1800.00} to {$2000.00}, I sent three payments of XXXX, each to satisfy the deficiency and those payments were misapplied. I found that out as I received a letter from Pennymac stating that my next mortgage payment would be {$6400.00}. 
When I called to inquire, I was told by the CSR that I didn't have homeowners insurance, that was XXXX of XXXX, at that time, I hadn't had coverage for more than 6 months. 
I began investigating and discovered that Pennymac sent a check for insurance for my property to XXXX in the amount of XXXX. The annual premium that I had with XXXX was {$1100.00}. The check for the premium that was sent to XXXX by Pennymac was returned in XXXX by XXXX. Pennymac never contacted me to inform me that they accidentally or in error caused the insurance on my property to be cancelled. 
When I finally got someone from Pennymac to respond, I was being charged almost 4000.00 for an annual premium and forced by Pennymac to pay for it. I have since then covered by property, but Pennymac refuses to respond to my letters or reimburse me for not being covered.
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Approx XX/XX/2022 Capitol One reported a {$100.00} late payment that jeopardized not only my impeccable personal credit report but my perfect business credit too with XXXX especially. 

Today companies have automated calling systems to inform creditors a payment is coming due, approaching, whatever just in case a mailing error occurs or just for the sake of convenience. They could have called, texted or sent me an email. My entire balance was only {$190.00} which I did pay as soon as I realized it. Capitol One removed the late payment fee because I pay on time, never late and have such a low balance. But ruined my business credit.
Consumer complaint received 2019-01-07
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: Avant Credit Corporation (MN)

XX/XX/2018 i looked into rates on 2 companies for an installment loan, they both promised that they were soft credit checks and when i did go to apply for one loan i found out that avant had done a hard credit check even though i didn't agree to that. 
so i need that removed from my credit report.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (MA)

A very professional Collection Notice was sent to me regarding a valid home insurance plan I have for my heating system. Once I verified with my insurance company that my account is in good standings, they also told me that they do not work with collection agencies, even if my account was overdue with payments. I then called the phone number for the collection agency directly to inquire. Once I explained that I verified my account was in good standings, they simply said " oh ok ... we'll delete this notice and please ignore ''. This sounded very fishy to me.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Citibank refused to provide credit card for Costco membership, statements from XXXX account transferred to them, credit card, account number or any information about account since the change from XXXX to Citibank happened in XX/XX/2016. They apologized and promised to fix the issues but never did, and literally alerted me that this very long delay and lack of payment was not going to affect my credit score since would not be reported as delinquent account, because it was Citibank who failed to provide all the necessary information, account, statements and card. But today i found out they actually did report account as delinquent totally undermining my credit score, plus adding hundred of dollars of fees and charges and on interests for the time they did not allow me to have any access to account they created and never allowed access to. I have also been told they have closed account and will continue never to receive any of the executive membership I pay for to Costco. 
Costco does not care and refer me back to Citibank not taking any responsibility for it. I do have phone call records as evidence of Citibank staff making false statement, including they alert that my credit score will never be affected/issue thy created reported. 
I can provide these records as necessary.
Consumer complaint received 2019-01-07
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. (MD)

I filed bankruptcy in XX/XX/XXXX. 
Prior to filing, I had not missed any payments on 15 accounts that I had. 
Once I filed, an automatic stay was filed. 
The bankruptcy is now discharged. 
XXXX and XXXX  are reporting my file correctly. Experian is not. 

They are showing negative payments on all 15 accounts in my credit summary. 
However, when I try to dispute them, it will not allow me to select " Payment never late '' as a reason. It then states that the payment was never late. The same happens on all 15 accounts.

So, in short, my credit score with them is based on 15 late payments even though they say payments not late on each individual one. 

I attempted to dispute and explain on XX/XX/XXXX and XX/XX/XXXX, both times nothing was changed with the negative payments My score is around 100 points lower with Experian because of this
Consumer complaint received 2023-05-04
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: Atlanticus Services Corporation (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (CA)

XX/XX/XXXX I lost my home in the Camp Fire in XXXX, CA. After it was determined by the Insurance Co ( XXXX  ) that my home was a total loss, they requested I get a payoff letter from my mortgage company so they could send me a check to pay off the mortgage. I requested that letter from Pacific Union Financial and they sent it to me. It was dated XX/XX/XXXX with the payoff good until XX/XX/XXXX for the amount of {$170000.00}. The Insurance company sent me the check made out to me and the mortgage company. I signed the check and overnighted it to the address I was given on XX/XX/XXXX. 

Since that time, I continue to get calls stating I am behind on my payments and they have just last week mentioned to me that I am at risk of foreclosure on my home. They have acknowledge that they have the check sitting in some kind of escrow account. I have sent them everything they have asked of me. Everytime I get someone new to talk to they ask for something different. 

Not only have I had to deal with the trauma of losing everything I own and XXXX   years of life and memories, I am having to deal with these people. It is now the end of XX/XX/XXXX and we are not any closer to having this issue resolved. This has caused my credit rating to drop 71 points because of them. I am already having XXXX  XXXX  due to the stress of the fire and this is just making it much worse. 

Any help you can give me will be appreciated.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a checking and savings account with Truist. I have a XXXX XXXX XXXX XXXX XXXX but I did make it to the branch to open this account. I now have been blocked access to use Digital servicing options and Truist is mandating that I visit a branch to access my account. I have answered all of their questions except for the account number but they still refuse to provide access unless i visit a branch. I told them that they should offer accommodations as required by the American disability act but that didnt seem to make any difference. I spoke with XXXX XXXX XXXX XXXX supervisor at the contact center. She was nice but did not help me get my issues resolved. Truist now has {$500.00} of my money that i can no longer access. They did not provide any options to return my money and want me to physically visit a branch. It was a struggle for me to visit the branch the first time to open the account and I shouldnt be required to do it again. ADA is a law for a reason and Truist needs to respect the fact that we all dont have the same physical and mental health and that shouldnt impact my ability to bank like the rest of the population
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have requested my current information be Updated properly on my credit report My name is XXXX XXXX XXXX. My current employer is XXXX XXXX XXXX. The following addresses are not mines please remove delete them : XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following number are not mine please delete/remove them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-27
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. (OH)

I went to check my credit score ( Transunion ) on XXXX XXXX on XX/XX/2022 and noticed that my score had suddenly vanished. Prior to this it had been up to XXXX due to a six month history of reporting my rent payments. I used XXXX XXXX to report my rent payments for my XXXXXXXX XXXX XXXX. I had no credit prior to this and wanted to use this as a means to build some. When looked into this matter further, I had discovered that they No longer support the XXXX XXXX  XXXX XXXX has to report credit and as a result, the ONLY account giving me credit was closed without my approval or knowledge and my six month credit history was just gone. There was absolutely no notice given to me about this change. I just got off of the phone with Transunion today ( XX/XX/2022 ) to see if I could at least get my score to show back up and they said they could do nothing because there was no account.
Consumer complaint received 2023-06-26
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: Bread Financial Holdings, Inc. (NV)

In accordance with the fair credit Reporting act Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX  has charged me over half of my {$300.00} credit limit in fees. These fees are late charges incurred after paying my bill but XXXX  XXXX  failing to constitute the payments as such and have marked the payments only as credits. After multiple diaputes XXXX  XXXX responded by adding an additional charge, bring the total amount of fees to {$170.00}. The rest of the {$130.00} credit limit is in interest only and from no charges of my own.
Consumer complaint received 2018-08-29
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. (LA)

I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!
Consumer complaint received 2019-01-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (TX)

My compaint is about the unnecessary classes XXXX sold me on. I wanted to only take XXXX cources, but the person who told me about the classes told me to take XXXX classes also to make more money. Unfortunately I signed. Shortly before I finished the guy who sold me on the classes got fired. After graduation I could not afford XXXX for both XXXX work and XXXX  work so it was not possible to do both and they are both full time jobs so nobody would have time to do work in both fields. I want my XXXX  related expenses terminated. It was very deceptive to want me to do both programs.
Consumer complaint received 2022-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TN)

Each year since M & T purchased my mortgage from XXXX XXXX they have significantly increased my monthly mortgage. This year alone my mortgage increased from XXXX in XXXX to now currenly over 1000 monthly. Initially they said it is because they had no prove of HOA insurance which I provided immediately. Then they said there was an escrow shortage because my taxes increased to over XXXX this year which only amounts to a XXXX increase. My home was purchased in XXXX. I have been in my home now for almost 14 years. The increases are fraudulent and a way to try and force me into foreclosure or remodify my loan so they can add more years. They have refused to take payments from me. Even with the forced insurance they are trying to apply to my account which was XXXX annually an increase of only XXXX $ month the extra XXXX per month they are charging still would not add up. Mortgage increase has been over 30 %. They have treated my mortgage as if it was XXXX instead of the fixed rate it is supposed to be. Once again I have proof of insurance which they have been provided and they still have outrageously increased my mortgage along with associated late fees because they knew mortgage would fall behind. Initial complaint filed in XXXX file number XXXX. Only months after they purchased my mortgage
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Afternoon, First and foremost I would like to thank you guys for removing this XXXX XXXXXXXX account off of my report due to Identity Theft.. However I have just received Another letter from XXXX and Transuion and I am a bit confused. The first letter you guys sent was just a generic letter and you Guys totally disregarded my letter stating this identity theft matter. Over 2 months I go I sent off a letter asking XXXX XXXX XXXX XXXX for special details about this account and for them to validate this.. Still till this day, They have not been able to validate this debt nor is the information accurate.. Almost 2 months ago I put together the ONLY information needed for a block and delete According to 15 U.S. Code 1681c2.. I sent in all the documents that was needed.. And they have still not been able to comply with FCRA guidelines.. I have also requested a copy of a signed contract with my wet signature giving them authorization to report this I have also requested a copy of the form signed by myself giving me an option to opt out of this reporting factor.. I am also STILL requesting form SSA 827 that XXXX XXXX on the day of XX/XX/XXXX told me that I had signed I would also like a recording of that call as well because it will prove that the dates on this account is totally inaccurate and balances and this is illegal according to FCRA guidelines.. FCRA also states that a company haves 30 days to validate this debt. They have failed to validate this debt.. Failed to comply by FCRA Guidelines.. Failed to provide all information requested.. I provided every single documents needed from section A ) of 15 U.S. Code 1681c2 .. Also XXXX XXXX XXXX XXXX Stated that I need a Police Report.. That is not needed according to 15 U.S. Code 1681c2. These people are making up their own rules.. 15 U.S. Code 1681c2 rules will always trump the company Rules.. I am asking that this be blocked and deleted.. They have failed to comply with the consumer law and surpassed the time allowed to validate and still have not been successful with validating this debt. 15 U.S. Code 1681c2 States 4 Days with all information provided from section A and I have provided everything needed. Please block and delete this totally goes against the consumer law and is illegal
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I was scammed by Fraudulent companies : XXXX and XXXX. 
They assured me that i would make a profit if I made investments through BINANCE. 
I sent them around XXXX XXXX and never made a single XXXX. I would like to point out that Binance failed me and failed to determine and realize that these transactions were made under false pretenses.