davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit 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 (OH)

So here we are again, Harrassing me once again with my account and taking the no preset limit away just as you did in XX/XX/XXXX. Your actions are uncalled for and your company is nothing but a disgrace. Let me tell you that out of all my creditors, I carry the AMEX cards, XXXX cards, XXXX and XXXX and you are the only creditor to ever give me a hard time. No other creditor has ever adjusted my limits. Its harrassment and it needs to stop. If you do not put my account back to no preset limit, i will find cause to sue you in a court of law. You did the same thing to me on my Delta Skymiles card. I used it for a {$38.00} purchase and you took my limit down to {$2100.00}. Do you think its cute that you can bother people like this. Im telling you XXXX XXXX XXXX XXXXXXXX right now, your going to knock this XXXX off. I am also telling you that I AM NOT PAYING YOU {$690.00} ANNUAL FEE TO CARRY A CARD WITH A {$4300.00} LIMIT. It is not happening. If you do not waive the fee for the 2 problems you have caused me in a 6 month period I will purposely default on my credit cards with you and I dare you to send me to collections or attempt to sue me. Just try me. I guarantee you, you will not win. I have so much evidence and proof of you being corrupt, making false statements, defamation of character, making false representations from my credit. You stated in a letter on XXXX that i had to many requests for credit. Again, the only Inquiry i have is from XXXX and due to fall off in XX/XX/XXXX. So there again, another lie. When i contact XXXX they tell me they have no idea where you are getting your information from. Therefore, I am unable to dispute anything because my credit report is completely accurate. I cant dispute inquires when i only have 1. As far as the payments made, you send me a bill with a minimum due on it, I pay that to satisfy that month, again your actions are absurd to treat and act this way to a good paying customer. The reason why people choose to quit paying you is when you start playing games such as this. Your no different then XXXX, XXXX or XXXX. In fact they know how to treat customers- WITH RESPECT. You are a woke, leftist organization with high crime on the inside with employee corruptness.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (MA)

XXXX XXXX XXXX  XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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. (TX)

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XX/XX/XXXX 
Account TypeCollection Balance {$320.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$120.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$120.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3100.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$3100.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1800.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX   XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$11000.00} Date Opened09/15/2014 Dispute Namesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2023-07-20
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. (OR)

XXXX. On XX/XX/3 at XXXX XXXX I entered a letter in the United States postal system to Experian to freeze and stop reporting fraud and they have refused. The reason for this was that there were multiple companies that refused to allow me to have access to promissory notes that contractually only the buyer ( me ) signed as well as the contracts they were allegedly contractually agreed upon with this companies that continue reporting negative credit reporting, none of them have any contractual agreements with me, and they won't show signature verifications to validate said contracts, everyone is aware that by law the buyer and the seller need to sign the contract or it is null and void based on being fraud. XXXX believes that a business name is a signature but the government is foreclosed from parity with real people. In as much as every Government is an artificial person, an abstraction, and a creature of the mind only a government can interface only with other artificial persons, the imaginary having neither actuality nor substance is forclosed from creating an attaining parity with the tangible, the legal manifestation of this is that no government as well as any law, agency aspect, court, etc., can concern itself with any other than corporate artificial persons in the contracts between them. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX L.Ed. XXXX ; XXXX XXXX. XXXX ( XXXX ) the real Supreme Court of the United States.
Consumer complaint received 2019-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CO)

I received an escrow annual analysis dated XXXX XX/XX/XXXX. My property taxes have DECREASED since last year by {$9.00} my insurance has DECREASED by {$10.00} yet my escrow has increased by {$33.00}. Every year since XXXX this institution has been steadily increasing my payments. Im an unemployed XXXX XXXX veteran on a fixed income. This is absolutely not right!
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was never 90 days late.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. please remove these immediately as the do not belong on my report, and they are affecting my quality of my life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 ) ( 1 ) 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.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As of XX/XX/2022 XXXX XXXX  closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department XXXX XXXX XXXX but she has yet to respond to me.
Consumer complaint received 2019-04-23
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: Experian Information Solutions Inc. (PA)

I have been in USA two times as XXXX XXXX  ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to Experian/XXXX/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

On XX/XX/23 Experian responded to complaint # XXXX regarding an inaccurate bankruptcy reporting on my consumer report. According to Experian, the furnisher has verified the " Remaining of information '' which is unclear. I am requesting the name of the data furnisher Experian has contacted in accordance with 15 USC 1681g ( a ) ( 2 ) which states : ( a ) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, that in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

I am requesting the information/documentation used to verify this record. Experian has already admitted several times that it did not contact the bankruptcy court. I am clearly requesting the name of this public record vendor so that I may dispute this inaccurate, damaging record from my file. Experian has already been supplied with an official letter from the courts in which they continue to ignore. Experian has already been supplied with an official letter from a public record vendor who admitted to providing the information to Experian. Experian is creating hardship in my life by reporting this inaccurate record. I have not given Experian or any other data furnisher permission to use my non-public information such as name, address, and SSN.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

on XX/XX/2019 I received a letter stating that all of my accounts. ( More than 25 business checking accounts ) under the XXXX XXXX XXXX XXXX are being closed. They told me that i may not withdraw any funds from my online accounts to my checking accounts or my funds could be frozen and funds would be sent to an address on file ( which they did not clatify in the letter ). They stated that a check would be mailed by XX/XX/2019. I told them that the can not stop me from withdrawing into the checking accounts without giving the Corporation any notice whatsoever. I opened these accounts at the XXXX and XXXX XXXX  branch in new york and was never told about any issue from the bank manager of either branch. I have spoken to the branch and they were unaware of the letter that was sent to me and they advised me to call the XXXX number and that rep. told me that i can not withdraw to any of the accounts or they could all be frozen. we have funds in these accounts that can not be withdrawn without these bank accounts which were added to the online accounts.
Consumer complaint received 2020-12-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (SC)

I noticed an account on my credit file that did not belong to me. I reached out to rent recovery solutions to make them aware of the identity theft issue I experienced. I spoke with the executive  VP, XXXX XXXX, and he prepared a letter stating the account was not mineand needed to be removed from my credit file. He claimed he would electronically send the credit bureaus a removal order. XXXX  claims they did not receive this order. For over a month now, I have left voice mails and sent emails to rent recovery to resend this order to remove that fraudulent account. No reply from rent recovery and no resending of the order. The ignoring of my request is rude and they need to act by law and transmit this order to XXXX.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (DC)

I submitted a mortgage assistance application to XXXX, at teh suggestion of XXXX on or near XX/XX/2019. 

I completed all items need for a modification on or near XX/XX/2019. 

I objected to the loan transfer to PHH Mortgage on XX/XX/2019 until XXXX had processed my loan modification request. 

I made multiple inquiries to XXXX to validate that the mortgage assistance application was complete between XX/XX/XXXX-XX/XX/2019. XXXX didn't process the request by law and neither did it transfer the request to PHH.

I got a letter from PHH on XX/XX/2019 indicating " Early Intervention '' when I had already submitted a application for relief. 

I need XXXX to act on my request as provided and that it was complete.
Consumer complaint received 2020-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to inform you that on XXXX XXXX, 2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 46 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 46 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.