davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (TX)

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  THEY HAVE ALL VIOLATED MY RIGHTS IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-31
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: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to Equifax, XXXX and XXXX XXXX specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I purchased this card on XX/XX/XXXX. When I opened up a fraudulent bar code was actually activated. Please have this deactivated and a new card sent to me.
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NY)

TELEPHONE NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE STOP ALL THESE SPAM CALLS WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003 2003
Consumer complaint received 2022-11-20
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).
Consumer complaint received 2021-09-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

XXXX, XXXX, and Experian and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XXXX XXXX XXXX XXXX XXXX XXXX these are the dates my letters went out and calls XXXX told me that my compliant was old but they received it and XXXX, Experian, XXXX have accounts back added as a reattach to my report once removed off
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (SC)

I was first notified about two months ago from my bank, XXXX XXXX, that someone had tried to open an account in my name but they did not allow them to do so. Today, I found out that someone had fraudulently opened an account with TD Bank. I contacted customer service and they told me they would close the account. My credit has been frozen for years but they said they didnt run it when you apply online for accounts
Consumer complaint received 2021-09-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (FL)

I have a VA backed home loan with XXXX XXXX XXXX XXXX  dba Loan Depot that I sought forbearance from under the Cares Act. I ended my forbearance and started making payments again XX/XX/XXXX. I have made 3 payments to fulfill the start of a loan modification for the missed payments. Under the Cares Act stipulations, Loan Depot illegally reported this account as past due to all 3 credit bureaus for both my wife and I dropping my XXXX score to XXXX and hers from the high 700 's to mid 500 's, as well. As a result, we have suffered 4 credit card closures, reduced limits on other credit lines, etc. I can not IRRRL the loan, now, because my credit score has been trashed. Now, they are coercing me to sign the modification paperwork by XX/XX/XXXX at a higher interest rate ( from 2.75 to 3.375 ) that I had previously paid points at the beginning of XXXX to get... about 4-6 months before applying for the forbearance. I am jammed between not being able to IRRRL the loan and being forced to sign a modification I can't really afford without enough time to get the credit reporting fixed and time to explore other avenues. I am in further debt from XXXX  & now, we are experiencing the XXXX  XXXX to make matters worse. Please help!
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (CA)

My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate
Consumer complaint received 2018-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I used the Capital One Mobile Banking App to make two payments, one to each of my credit cards from my XXXX XXXX  acct. I noticed the next day it took my payments from my Capital One Checking and overdrafted my account resulting in two fees. I thought maybe I had made a mistake. On XX/XX/XXXX I used the mobile banking app to make another set of payments both to the same credit card. One from my Capital One Checking for {$62.00} and one from my XXXX  for {$75.00} and again both came out of my Cap One checking resulting in another fee for the {$75.00} payment. This time I paid careful attention and I know that I choose XXXX XXXX. I called Capital One and was told they would not refund the fees and I must have chosen XXXX. I know the issue is because the app made my Capital One Checking the default account a few weeks earlier when I linked it in the mobile bank app. I spoke to Summer in the credit card division and they removed the account, and when I spoke to XXXX in the digital division after she said that the account was not set as the default ( because the credit card division removed it ) and I must have chosen it to be the account I paid from. I did not. There is a glitch in their mobile banking app when you link an account and it makes it the default account and Capital One refuse to refund the fees I incurred as a result.
Consumer complaint received 2022-11-20
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. (TX)

Equifax stated that They verified a fraudulent account. This is illegal and I have supplied a Legal Affidavidt requestion A method of verification. See documents attached to this.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2023-06-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-07
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: ENCORE CAPITAL GROUP INC. (IL)

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, Midland credit Management have violated my rights. 

15 U.S.C 1681 Sect. 602 A states i have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-07
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)

I have been a victim of identity theft because my information was released to the public in various data breaches. Someone opened up accounts in my name without my consent. I need these unauthorized accounts removed immediately because I'm looking to get a mortgage and this is hurting my reputation with the banking system.
Consumer complaint received 2022-10-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (FL)

We were informed on XX/XX/XXXX XXXX XXXX ( XXXX # XXXX loan originator ) that our loan increased from 3.5 % to 7 % due to XXXX XXXX stating that we fell through the cracks, he dropped the ball because he was very busy at that time. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) is the preferred lender of XXXX XXXX XXXX. Their solution was to give credits to reduced mortgage to 4.5 % because 3.5 % isnt available anymore. XXXX XXXX was contacted repeatedly before interest rates began to rise for counseling and advise. He ignored every call and did not answer emails regarding interest rates and this is the result. 
On XX/XX/XXXX XXXX contacted me to do a long term rate cap with free float down. At that time our interest rate was 3.5 % and we were looking to go down to around 3 %. We were okay with that. On XX/XX/XXXX XXXX sent out loan papers and the rate was not fixed though his calculations were based on 3.5 %. I emailed XXXX asking questions about the discrepancy and asked for advice and counseling. He nor his office ever contacted us. Just as they never contacted us regarding any communication about fixing the interest rate before the interest rateincrease started in XX/XX/XXXX. He just left us high and dry. 
Now XXXX who is a preferred lender of XXXX XXXX XXXX expects us to pay {$2100.00} at closing for credits ( we originally had a {$3800.00} refund ) and over $ XXXX year on a 30-year mortgage fixed at 4.5 % due to their lenders negligence.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I have an " Amazon Store Card '' through Synchrony Bank with a {$0.00} balance. Synchrony just lowered my credit limit from {$3500.00} to {$1000.00} without telling me, negatively impacting my credit utilization ratio. I am in the process of applying for a mortgage and this made my credit score go down significantly. 

Synchrony claims that they sent out a letter or email prior to lowering my credit limit, but I received no such communications from them. I found out about the decrease through the credit monitoring service I pay for, MyFICO, when I received a notification yesterday, XX/XX/2020, saying that my limit decreased. A quick search of online credit forums reveals that they've done this to many people, without any advance warning. I immediately logged in to Synchrony and requested an increase, which was immediately approved for {$5000.00}. However, my score has already taken a hit and I am worried about my mortgage application. 

I called Synchrony today at XXXX EST to ask them to immediately update the credit bureaus with my current credit limit, but they declined to do so. I spoke with a customer service rep named XXXX and his supervisor named ( XXXX or XXXX ). They both claimed they had no authority to send an out of cycle update, despite the fact that their company totally screwed me over. 

I am trying to put an offer in on a house *today* and am worried I will have to pay a higher interest rate because of this. I am completely blindsided and don't want to end up paying a higher interest rate or missing out on the property entirely while I wait for my score to update. There's another offer already and the sellers aren't going to wait around. Please make Synchrony report my new {$5000.00} credit limit immediately to all bureaus.
Consumer complaint received 2023-02-24
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: TD BANK US HOLDING COMPANY (IL)

I have repeatedly tried to get this account and inquiries deleted and XXXX has refused to do a proper investigation or pay me for continued violations per FCRA. I have submitted an identity theft report as well as documentation from the company. I have asked asked for validation of debt and I've yet to be provided anything. Target has continued to reage this account as they have admitted to in documentation provided. I have asked for proof and they have failed to provide any as I have provided documentation to these facts. I'm entitled to {$1000.00} per violation as I have been disputing this for over 18 months per CFPB and XXXX has failed to correct the problem yet has allowed Target to damage my credit. I have disputed the inquiries and I have submitted proof and they have failed to delete them despite the documentation provided. I'm entitled to {$8000.00} for the continued violations. Deleting the accounts and inquiries doesn't obsolete XXXX of the past violations and they must be held accountable. My complaint should be forwarded to the FTC as XXXX and Target are both liable and continue to violate the law. The account that should be deleted is Target as they have continued to reage this account, the payment history, date of last payment, first delinquency, the account doesn't belong to me. The inquiries are XXXX XXXX, XXXX, XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022 it shows on my credit report a SYNCB/DSGI DUAL CARD did a inquiry into my credit report. This is completely false and I have given no authorization to do so. I have been working this whole year on building my credit to be able to buy a house next year so I purposely am not applying for any new credit on anything because I know it requires for your credit report to be pulled which brings your credit score down.
Consumer complaint received 2021-06-23
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. (LA)

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

My Mortgage Company XXXX XXXX XXXX withdrew my mortgage payment twice instead of once on XX/XX/XXXX for payment due XX/XX/XXXX. {$740.00} was deducted twice. We contacted them via phone on XX/XX/XXXX and they said we had to email a screenshot of the bank statement and we would hear back in 24-48 hours. We received an email saying they were reviewing the claim on Thursday XX/XX/XXXX. I called back Monday XX/XX/XXXX because we had not been credited the second payment. They said this would be reversed on XX/XX/XXXX which I told them was unacceptable as an electronic transfer should take 1 day. I asked to speak with a manager and was put on hold. When the person came back on the line they said they had fast tracked the reimbursement and I would have it by end of day XX/XX/XXXX, I asked him why I did not get a manager as I had asked for one and he said none were on the floor. Today XX/XX/XXXX I still have not been reimbursed for the second payment they deducted from my account.
Consumer complaint received 2023-06-06
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. (IL)

Dear, Experian I received a copy of my credit report and I have found the following items listed below to be in error. Account Name- XXXX XXXX XXXX XXXX Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, Experian OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused severe stress and anxiety due to the abusive and unfair practices. This account is also is be reported as late when I never was never late on any payments. XXXX XXXX even acknowledges the fact I wasn't late on any payments based on the fact they are reporting the account as never later/paid on time. This is a violation of 15 USC 1681 s-2 because XXXXXXXX XXXX/Experian have a duty under said title to report on my consumer report with 100 percent accuracy. XXXXXXXX XXXX/Experian are obligated by law to delete all late payments associated with this account and report the account as Never late/paid as agreed across all 3 consumer reports. 
Both XXXX XXXXExperian, should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Consumer complaint received 2018-03-02
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. (CO)

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.7 Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2023-04-07
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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