davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (AZ)

Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XX/XX/XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with Credit Corp Solutions. XXXX - 1 min. 
Wednesday XX/XX/XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with security services - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said XXXX XXXX - I said don't call me again - I'll contact you. Again identified himself as Mr.XX/XX/XXXX with Credit Corp Solutions. 

After my call to XX/XX/XXXX ( they represent XX/XX/XXXXand recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by Credit Corp Solutions. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XX/XX/XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, XXXX.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (MA)

American Express Company has closed my American Express Serve account. My account was closed with XXXX dollars in it. They have violated their Terms of Service because my account was closed with funds in it. My account was not a Sub-Account, it was the Primary Account. I please ask that American Express Serve return my funds which equal to XXXX US dollars to me as soon as possible. 

According to their Terms of Service, found here : ( XXXX ) states the following for Section XXXX : Suspension of Use ; Cancellation ; Closure. 

We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law. We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. 

This is the email I received from American Express Serve Team : Card Number XXXX : Hello XXXX During a recent review of your American Express Serve ( R ) Account we noticed activity that was in violation of the Serve Member Agreement, section : Section XXXX to the violation, your Account has been closed. 

If you have any questions, please call Account Protection Services at XXXX. 

Thanks, The American Express Serve Team
Consumer complaint received 2023-01-19
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. (GA)

In accordance with the Fair Reporting Act Reporting, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2018-03-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

Around of XX/XX/XXXX.-XX/XX/XXXX I applied for VA Loan modification and during the process I filed a Bankruptcy Chapter XXXX on XX/XX/XXXX. 
VA Lenders First Continental and XXXX XXXX and approve loan modification in which mortgage was still not affordable. 
But I signed documents because of my fear losing my home. 
On XX/XX/XXXX, I also requested for VA Loan modification as mortgage is not affordable and VA Lender had me fill three of four applications for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was denied on VA Loan modification and during application VA Loan modification process Va lenders pull my credit about five times and my credit scores has dropped to around 580. 
On XX/XX/XXXX VA Lenders pulled my credit with XXXX, XXXX and XXXX for another VA Loan modification.Why pull my credit if modification is going to be denied again around XX/XX/XXXX And my home been foreclosed on XX/XX/XXXX. 
I filled all new VA Loan modification application and provide all information requested. 
There is a fraud, scandal and corruptions on my VA Loan with XXXX XXXX of XXXX, Texas and XXXX XXXX XXXX of Texas. 
XXXX XXXX sold my VA Loan to First Continental and XXXX in XX/XX/XXXX. 
Also VA Home purchase and appraisal was inflated to sell my new construction home on XX/XX/XXXX for {$240000.00}. 
No homes was sold for $ XXXX before XX/XX/XXXX.After XXXX XXXX made their profit of $ XXXX than after XX/XX/XXXX some homes was sold around $ 240k, etc. 
I provide evidence to Federal Government on XXXX, Texas comps sales of XX/XX/XXXX a home that was much bigger than mine sold for $ XXXX. 

XXXX XXXX  alongside with XXXX XXXX  of XXXX, Texas are in a fraud, scandals and corruptions on my VA Loan and this why I am having issues with my VA XXXX. At XXXX my mortgage will be much affordable. 
I am XXXX and Retired and on a XXXX fixed income.I am divorced and live alone in my home.
Consumer complaint received 2023-01-19
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. (NC)

I request you to provide me verification from each merchant by affidavit personally witnessing me making any of the transactions on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An affidavit of truth. If you can not provide it, then you've failed to conduct a reasonable investigation and are in violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Late last year ( XXXX ) I applied for an American Express Card. American Express denied my application ( Ref # XXXX ). The denial did not make sense to me because I had worked hard, over 10 years to fix my credit. 

In XXXX, I was forced to file for bankruptcy. Before filing I contacted American Express because I had 2 credit accounts with them and I wanted to keep them. I told them that due to my mortgage payment more than doubling and the economy crashing, it was the only way I knew ( at that time ) to save my house. American Express told me that if I filed for bankruptcy that they would close out my accounts. 

Fast forward 10 years later after struggling, paying more than most for credit, being denied by most, I managed my credit scores to " Good '' status. The bankruptcy came off my credit reports so I applied for An American Express card. The application was denied and they cited the previous accounts as the reason why. 

I wrote a letter disputing their decision, explaining that I though it was illegal to use accounts that were part of a U.S. Bankruptcy case. The letter was never replied to. When I called them to check the status, I was told that American Express keeps their own records and that they can use the information to approve or deny credit to anyone. 

So my dispute is more of a question along with ( what I believe to be ) a reasonable demand. The question is : Can they really deny me credit if I otherwise qualify? If they can, then at the very least, they should remove all the credit inquiries from the credit bureaus. Since their sole reason to deny me is based on internal records. They never needed pull my credit report. 

I am enclosing a copy of the letter I sent American Express. Please note that this copy has some grammatical revisions but otherwise the same. 

Regards, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$350000.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$350000.00} XXXX XXXX  Balance : {$3000.00} XXXX XXXX Balance : {$390.00} XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Home equity and VA loan application. 
2019 XXXX XXXX XXXX, d/b/a XXXX XXXX. XXXX XXXX is a registered service mark of XXXX XXXX XXXX. 

XXXX credit score Please investigate XXXX XXXX, XXXX, Experian, and XXXX ; additionally I could not get access to any of these companies today online, Why? I would like to write a complaint and protest dispute on each reporting credit company. Why, no access online today for my written disputes? 

XXXX credit score XXXX, seem to be collusion with XXXX XXXX, XXXX  XXXX, and Experian XXXX. I just paid down all my debt credit cards, XXXX XXXX, and my scores were ridiculously low. 

Access to dispute credit scores and to stop inappropriate collusion of credit reporting agencies! No online access today XX/XX/2019 Again, please investigate all four credit agencies and their practices or malpractices. Why did the three credit agencies develop XXXX in the first place? 

Age discrimination, possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citi Priority Checking Account ending in XXXX on XX/XX/XXXX because I received a special promotional flyer sent to my residence which stated that " I will earn XXXX thank you points if I make {$750.00} in debit card transaction and 1 bill payment for 2 consecutive calendar months within 60 days '', I completed above requirements by XX/XX/XXXX and was expecting the bonus to post within XXXX calendar days ; however, the points did not post within 90 calendar days. So I contacted citi on XX/XX/XXXX and I was reassured that the points would post within 30 days ; however, the points have not been posted as of XX/XX/XXXX. Since this is a targeted promotion and I provided the specific coupon code XXXX upon opening account, I feel frustrated and disappointed in citi 's ability to fulfill this promotion. I request that the XXXX thank you points be deposited into my account asap, and on top of that, XXXX~XXXX bonus points as an reimbursement for the time I invested in following up this case. Thank you.
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (WA)

For about 1 year this company has been calling me when I have excellent ( over 800 ) credit rating. Early on I set my smartphone to block their calls from : XXXX yet it still leaves voice mails which say they are XXXX XXXX XXXX XXXX XXXX and leaving their XXXX   number for me to call, which I have never done as that gives them the legal right to continue calling me ; however, they keep calling anyway. All my debt obligations are paid in full or the required monthly payment with no late charges and most are auto- paid. I am not overdue or behind on any payments & have been current for decades. Whatever reason they continue to harass me I believe are unfounded. 
They have called several times each month. I am not certain as to whether they call my home ph. # XXXX or my cell # XXXX   as all my home ph. calls are transferred to my cell phone. Both of these phone numbers are unlisted, non-published and restricted. I figure if this company is really legitimate they can mail me a notice of the debt claim ; however, they never have. I have not been reporting their number previously as I didn't want to take the time to do so ; but would appreciate your help in getting them to stop calling and leaving messages when I believe they are unfounded. Thank you. XXXX XXXX
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have sent this 4 times to Equifax, XXXX and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting me!
Consumer complaint received 2019-02-13
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. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX.XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : 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 2018-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018I bring a TAX REFUND CHECK and give a CAPITAL ONE BANK tailor at following address XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
Because in heavy snow a check was wet. A tailor XXXX XXXX put a check in a check in a check riding machine and check was shrined for a small pieces. 
I am not shore now which way Capital One bank process this check and who first this happen. 
Check was amount XXXX dollars and issue from New Jersey Department of Treasure.
Consumer complaint received 2023-06-11
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2019-02-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My loan was paid off by another customer 's insurance claim in error in XX/XX/2018. I was able to have this corrected and the funds were applied to the correct account. Prior to the correction, my title was released to XXXX XXXX XXXX. 

This means that I am not able to provide a copy of the title to a new finance company in order to refinance the loan. 

The first agent I spoke to XXXX, was very helpful and put in a request to reperfect the title and advised more information would be available in 2 days. 

After the initial 2 days, I have spoken with an agent every day for the last week and each one has been less helpful. I spoke with a supervisor named XXXX today and she directed me to XXXX XXXX XXXX. This company is unable to assist me as they can not resolve title irregularities. 

When I called again I was advised XXXX had placed notes on the account that they could not send me the title until I provided a Power of Attorney and I was again advised to contact XXXX XXXX XXXX due to her notes on the account. 

I need someone to reperfect my title and provide me with a copy soI can refinance.
Consumer complaint received 2018-03-22
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. (IL)

Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a 40 thousand loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a 20 thousand dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (AZ)

Ive made payment starting XX/XX/XXXX I paid XXXX and make check payments of XXXX on the XXXX of every month until XX/XX/XXXX of XXXX total, I also have paid XXXX my Previous phone company has paid to them. now I owe says XXXX is now owed. so today I get an email that says I owe XXXX and also say two different amounts says as a friendly reminder they will take out XXXX is scheduled for XX/XX/2019 so I called and ask if they can work with me one Representative said to call her back her name is XXXX XXXX XXXX to make payment arrangements so I called back and I got somebody else she told me I need to make the payment today or is going to my collection the full payment of {$510.00} so I told her I would call her back and she said shell be there at XXXX XXXX XXXX I called for the third Time and I got a man on the phone he says I need to make the payment today or its going to collections I cant make payment arrangements and needs to be {$510.00} so I told him the information I got needs to change the wording in my email showing that the only payment thats coming out is XXXX two different amounts are on my e mail they cant find this e mail they e mail they just keep saying I need to make this amount of XXXX Im willing to make a payment arrangement but theyre not willing to cooperate with me they keep giving me the run around I asked for a supervisor He tells me theres no supervisor visor available he also told me the prior women I talk to the two times Ive called or not available so Im not getting any information I need to work so I can for long my payment arrangement Im I just sold a home I just need a couple more weeks to make the full payment and theyre not willing to work with me I need them to reassure me that I making a payment of {$510.00} not any money taken out of my account on XXXX XXXX of {$630.00} thats with the paperwork since they need to fix this paperwork so I can make a proper payment Ive been making payments why cant they work with me Ive never made a late payment to these people the company is called GC service limited partnership my GC number XXXX I just cant pay XXXX today Ive been honest with them my house is being sold I can pay them just need the time.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im contacting XXXX after your response to my complaint through CFPB. The complaint number submitted was XXXX. XXXX did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account as Ive made several attempts to have it removed. Thank you,