davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The incorrect name is XXXX XXXX XXXX that needs to be deleted. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this address needs to be deleted as well XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. JXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AR)

Synchrony Bank issues several of the " store cards '' that I have used / use : - XXXX XXXX Store Card ( which they closed several months ago ) - XXXX ' Store Card ( which they closed several months ago - XXXX XXXX XXXX Photo Card ( credit limit reduced several months ago ) - XXXX XXXX XXXX payboo Card ( credit limit reduced several months ago ) - amazon store card ( denied credit limit increases ) - PayPal Credit ( denied credit limit increases ) - Sams Club card ( denied credit limit increases ) I have maintained all of the above cards in good standing, and made all payments on time. For some, I have paid the full statement balance monthly. 

Despite my excellent payment history, the credit limit increase requests I've made were denied because ( three of the four specific reasons listed ) my " Bankcards '' balances are too high compared to credit limits. Credit scoring is based largely ( more than 1/3 of the % score calculated ) on the ratio of card balances to credit limits. However, as you can see in the listing above, when more than half of my Synchrony bank cards were arbitrarily closed and/or had the limits reduced, THOSE ACTIONGS BY Synchrony DIRECTLY CAUSED THE PROBLEM! 

Put another way, every time Synchrony closed a card or reduced my credit limit, it directly impacted my personal credit score in a negative way. This is unacceptable, and has caused and continues to cause me substantial financial harm.
Consumer complaint received 2021-04-09
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. (CO)

I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXXXXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month
Consumer complaint received 2020-12-10
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. (CA)

There is a company that i do not have a relationship with and know knowledge of that is reporting on my consumer report. i have disputed with the credit reporting agency Multiple times and still just a vague response saying its verified. The company XXXX XXXX is who i am speaking of. I do not have a relationship with this company whatsoever. As a consumer i know i have a right to privacy. Also Pursuant to 15 USC 1681b ( 2 ) i know a consumer reporting agency may furnish a consumer report in accordance with the written instructions to the consumer to whom it relates. I did not give the creditor nor the credit reporting agency permission to put this inaccurate information on my consumer report ( Experian ) and would like it removed immediately.
Consumer complaint received 2020-06-03
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. (FL)

I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX XXXX XXXX ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX  AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IA)

XXXX XXXX XXXX XXXX from Freedom Mortage called me approx. on XX/XX/2021, stating we were a good customer and they work to help their customers save money. He asked if I would be interested in refinancing our 15-year mortgage to a lower rate at no cost to us? We would save about {$75.00} a month and the term would be what was left on our current mortgage - 13.9 months. It was a no-brainer, and I said yes. 

After months of sending information multiple times to different people who called me randomly throughout the last 2 months, after numerous phone calls on hold to find out the status of our refinance we got a call last night XXXX that we had to pay {$580.00} to hold the interest rate on the loan for another 30 days! 

I received a call about 3 weeks ago from Freedom Mortgage stating that they were planning to close on XXXX and I had excess money in the account and it would be refunded when we closed. I have multiple emails where I've sent the same information to Freedom Mortgage many times to different people. I chalked it up that they were unorganized. It was frustrating and a big headache. 

I feel that misrepresented what they stated and only dragged this out so they could get money. This was wrong!
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

A Paypal credit account was opened in my name fraudulently issued through Synchrony bank. I reported it to Synchrony bank and they agreed to remove it. now they continue to send it to collection agencies and threaten me.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, On XX/XX/XXXX Capital One has cut my limit from {$5000.00} to {$1500.00} just because I started using the credit card again. 
Their justifications for their action on the letter that they sent me ( See attached ) does not make one bit of sense and I feel extremely insulted. I have/always had excellent credit. I never missed a payment on this or any other card/loan, I have ZERO derogatory marks on my credit report, my FICO credit score is XXXX and my utilization ratio has been less than five percent consistently over the past 7 years. Basically I have been one of the most creditworthy people in the entire country.

Because of my job I used to travel a lot and used my airline credit cards for mileage points but since the pandemic which I basically work from home via XXXX  I have no use for those flying points so I decided to use my Capital one card again for cash back but as soon as I did, Capital one has cut my limit significantly. 

If they point to the lack of usage, I say that the situation has been like this for quite a long time ( I have been with them for almost 7 years ). 
The truth is that the only justification is direct XXXX  on Capital One part. It obviously shows that Capital One Bank USA NA racially profiles its customers and puts them in different categories based on race.

I am a high income, extremely low risk customer but this horrendous treatment from Capital One unfortunately proves that there are other factors in play. 
I wholeheartedly demand that you take action against them because enough is enough with this systemic XXXX. 



Best Regards, XXXX XXXX
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

On XXXX, I purchased a used vehicle from a local auto dealer. The loan, to finance the purchase, is through Fifth Third Bank , National Association. 
I have made all payments thus far ahead of time. 
I created a login with Fifth Third Bank to make loan payments and monitor my loan progress and status. 

1 ) The nearest Fifth Third Bank location is over 300 miles from me.

2 ) I am unable to reach a customer service representative by phone because I do not have a checking account number and their automated answering system does not recognize my Social Security Number.

3 ) The web site does not allow me to see how loan payments are applied.

4 ) The web site does not allow me to see when my next payment is due.

5 ) The web site does not allow me to see the full history of my loan.

6 ) The web site does not allow me to set up an automatic draft on my checking account where my Social Security Income is drafted. 

This is quite concerning to me, considering : - the negative effect these bank shortfalls have on low income customers, - the fact that a customer can not talk to an employee of Fifth Third Bank, even after holding for over an hour ( low income people do not have the time during the working day to take hours out to wait on their bank to answer their customer service calls ), - the hundreds of complaints lodged on Fifth Third 's website against the bank that continue to go unanswered. 

The CFPB has the responsibility and authority to protect those of us who are barred from contacting their bank and are unable to obtain basic information. Please stand up for us! 

Thank you,
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted transunion on XX/XX/XXXX at XXXX XXXX eastern standard time I mentioned to TRANSUNION i was a victim of their inquiry issue, a representative mentioned to me they were n't able to help me out with the inquiries, sec 611 of the Fair credit reporting Act states anything that is deleted from your credit report and reinserted you need to receive a 5 day notification after that item is reinserted, for the record I was not notify by TRANSUNION of any notification of any inquiry being reinserted ... 

Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Finance XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XX/XX/XXXX Oil And National Credit Cards
Consumer complaint received 2023-04-06
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. (FL)

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. 

Account name : XXXX Account number : 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 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2021-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

You closed my previous complaint after Citizens ' Bank responded. Response was nothing short of XXXX  and I am filing this new complaint. 

Explanations about computation is fraudulent. Calculations of days in a cycle is wrong. For example - From XX/XX/XXXX to XX/XX/XXXX is 27 days not 28. From XX/XX/XXXX to XX/XX/XXXX there was 31 days. Although every month principal was paid at {$1000.00} statements for XXXX and XXXX had principal at {$28000.00}. Then in the response computation for period from XX/XX/XXXX to XX/XX/XXXX was calculated at {$5.00}?! CFPB accepted that fraudulent response?!
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOV ASSOC. amount : {$420.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED
Consumer complaint received 2021-04-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

In XX/XX/XXXX, I was informed by Lakeview loan company that I had not been making payments which was incorrect. I informed them that I had been making payments and had bank documentation to show where I made the payment, and they sent it back to my account as a refunds taking i had no account with them. I sent in all documentation and created a case. The response I received from lakeview was to make payments payable to lakeview loan, which we had been doing. I attempted again to make a payment in XX/XX/XXXX. The payment was rejected stating no account can be found. I have attempted to make several phone calls to the company and could never get through to anyone. I have attempted to email the company again in regards of my account. The companies response was I'm behind on payments and need to correct the issue. I Continued to try to make payments and they were getting rejected saying account not found. My last accepted payment was XXXX of XXXX. XX/XX/XXXX through XX/XX/XXXX I was not able to make payments due to being out of work. I again contacted lakeview loan on XX/XX/XXXX attempting to correct the account issue. I am now being told my loan is in the process of foreclosure and that I would need to make 15 payments out of 16 to stop the process. I tried to explain the matter to them that I had brought up this issue a year ago I asked if there was a payment method we can try to work out, or anything to correct the issue. They were not willing to work with me
Consumer complaint received 2021-06-05
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. (CA)

There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX AMT {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX AMT {$310.00}