davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (GA)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I tried to follow the law and started to send letters to the XXXX in order for them to eliminate the accounts and the information that is incorrect on my credit report. They are not answering me and they are not doing anything on my credit report either. 

I just want to be able to find a resolution, and they are just ignoring my letters.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CO)

I have purchased travel tickets during the winter for the travel in XXXX. Due to Covid, all flights ( 4 international tickets for my family ) have been cancelled. I have opened a dispute because the travel agency refused to refund the tickets. They were ignoring all requests and not refunding for months. Finally, got 3 out of 4 tickets refunded in XXXX and then received a note that the 4th ticket is not being refunded through Discover because they need more " proof ''. I do not understand what other proof they need, yet I have spend more months calling the travel agency and finally was able to get a written confirmation that they are refunding all 4 tickets. It has been over a month since then. Discover is still investigating the 4th ticket. I have called weekly and they refuse to connect me to a supervisor. Magically a supervisor is not available week after week and never calls back. I want to close this card and pay it off, but I can not do this until the dispute is finalized and I am refunded the last payment of {$1000.00}. Please help me, Discover has not been supportive and has not been my advocate through this difficult situation and has not assisted me through this dispute. They have put all the pressure of chasing the travel agent myself and did nothing to get my money back.

They are not providing an escalation point and have received all necessary " proof '' for the full refund. I don't know what else to do to get my money back for the travel that never occurred because all flights were cancelled.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

After reviewing my recent updates, I discovered that incorrect information still remains in my credit reports, despite having addressed it through written appeals. This lack of action on their part constitutes a violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i, which stipulates that the continued reporting of unverified information without providing proof within the legally mandated timeframe is unauthorized. Below is the list of account that is still being reported on my Credit Reports. XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bay Area Receivables, Inc (MD)

Bay Area Receivables has failed to provide any and all information I have asked for such as signed contracts or information proving the debts are mine and what they are for. I have sent several letters to po box and street address by regular mail and certified mail but the chose to be silent to my request. I have also ask the 3 bureaus to investigate and they say Bay Area said it was vallate without proof. It is my right to have proof or have it removed and the have been very nasty to me and others. I have been asking for years and the last 90 days I have insisted they show me proof. If they validate this with the bureaus they need a release from me as they are a 3rd party bully. XXXX has 20 account, while XXXX reports 8 as most have been deleted due to misinformation, and XXXX reports 40 accounts and I never got anything on these alleged accounts.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

Discover Bank Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am writing to file a formal complaint against Discover Bank, located at XXXX XXXX XXXX, XXXX, DE XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Discover Bank has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that Discover Bank no longer owns this account and has been compensated for it, the persistence of this trade line on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my XXXXredit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Discover Bank is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Discover Bank to rectify any inaccuracies found.

Discover Banks refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system.

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Discover Bank to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (GA)

Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and XXXX XXXX
Consumer complaint received 2022-07-05
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. (FL)

n 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 2020-04-14
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. (FL)

I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with XXXX/XXXX
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.
Consumer complaint received 2022-10-25
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: Amsher Collection Services, Inc. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right. Under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

XXXX XXXX renewed a XXXX XXXX called XXXX on my Apple Card ( XXXX XXXX ) and I did not authorize them to charge anything on this account. I have never used my Apple Card and never authorized XXXX XXXX to renew anything that I subscribe to via my XXXX. I have called Apple Card ( Goldman Sachs ) three times to file a transaction dispute and reversal of charge ( as fraudulent or unauthorized by me ). My first dispute was in XXXX Dispute number XXXX which they reversed the credit to my card and said they had insufficient evidence. I then became 30-days passed due. I was unaware of their reversal until XXXX. On XX/XX/XXXX I filed a second dispute XXXX which they claim can take up to 2 billing cycles and up to XX/XX/XXXX to resolve. In the meantime, my account appears now as 60 days past due. I had a credit score way into the 800s and now it has dropped to XXXX! I called again today XX/XX/XXXX and requested a escalation for resolution. I refuse to pay for a transaction that I did not authorize and I do not owe them any money. I spoke with a XXXX at Goldman Sachs Agent ID XXXX XXXX and she said she was requesting a escalation for resolution. I have made all my credit payments on my Mortgage, Car Loan, and all other Credit lines 100 % on time. I do not owe Goldman Sachs ( Apple Card ) any money. I want this fraudulent and what appears as a delinquency off my credit report. Thank you!
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

I made an online inquiry looking for the best terms to open a HELOC. I received numerous responses. One of the responses was from a XXXX XXXX with Rocket Mortgage. He offered me a refinance of my current first mortgage. I told him that I was uninterested in refinancing my mortgage. Nevertheless, I have received correspondence ( cover letter attached ) and numerous phone calls from Rocket Mortgage as if I've applied for a mortgage with them. I did no such thing. I am concerned that this phony mortgage application could damage my credit.
Consumer complaint received 2023-01-11
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. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mandarich Law Group, LLP (CA)

Hello I 'm a victim of fraud and stolen identity of credit card. I have been notified by the collect XXXX agency? XXXX stating that I have a credit card that has been open since estimate on XX/XX/XXXX and last payment received on XX/XX/XXXX total payment of {$200.00}. I have neither paid this amount nor did I open an credit card with this company. They are trying to garnish from my paycheck/ salary at this time, and I have contacted this company and I have asked for original credit card application with my signature they promised to send, but they did not send it. They have only sent me a copy of credit card statement with address which I do not know of. Please help!
Consumer complaint received 2021-08-16
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. (PA)

XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted XXXX  and Experian trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .XXXX  and Experian have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now
Consumer complaint received 2021-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

I contacted the XXXX XXXX on XX/XX/XXXX regarding a collections amount of {$2800.00} that has been on my credit report since XX/XX/XXXX. They agreed to contact the collections agency ( it has been under XXXX XXXX XXXX ) and have it deleted. I contacted Experian the next day and disputed the collections item with a copy of the email sent by the hospital. They have yet to remove the item and have said they will not remove it and will not give me an explanation as to why. 
Ive worked very hard on my credit the past year, and this is the last piece of the puzzle that is holding be back from going above 700 credit score. I plan on moving in XXXX and need this negative mark removed ASAP so I am able to rent an apartment.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/21, I called Chase customer service requesting a detailed statement of wires that were wired to scammers. I have all the information but I just need a statement from Chase stating my name, date of wire, amount of wire, whom it was wired to, beneficiary bank, and account. But the customer service said that Chase can not provide such a letter. I need this letter to provide to the XXXX XXXX police. It is required in order to freeze the account of the scammer. Please do not send me my bank statement. I already have my bank statement but when I submitted it to XXXX XXXX police, they said it is not enough because the details are what they wanted.
Consumer complaint received 2022-08-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Innovative Mortgage Services, Inc. (FL)

I contacted Innovative Mortgage, XXXX XXXX Mortgage regarding a VA loan for the purchase of the Property. After receiving the initial loan estimate, I noticed that the broker fees were twice the Veterans Administration maximum allowed per the Veterans Administration guidelines. Specifically, the broker fees were in the amount of 2 %, whereby the maximum of allowed per VA guidelines is 1 %. When I notified the mortgage broker of this error and that the VA maximum 1 % percentage, the lender improperly conspired with XXXX to revise the purchase terms so that the mortgage paperwork would demonstrate a 1 % broker fee while still ultimately charging me the equivalent of a 2 % broker fee from my own funds. They " artificially '' reduced my initial deposit and coordinated with the seller to say that the funds were from the seller when in fact, they reduced my deposit in order to have the seller use my already deposited funds to a the 2 % broker fee. So, on paper, it would look like they abided by the law, but in reality they just forced me to pay over the maximum 1 % rule. 

At this juncture, I was left with no choice but to execute the Property purchase documents, under duress, as my Client had to close on the Property purchase by XX/XX/2022, or compensate the seller an additional {$12000.00} for the purchase price. As a result, I was coerced by XXXX Mortgage and XXXX to execute the Purchase paperwork with the improper brokerage fee that is in clear violation of Veterans Administration guidelines. This resulted in me paying an additional {$3200.00} for improper broker fees. 

Moreover, Innovative failed to lock in the loan at the appropriate rate when instructed to do as such. Accordingly, the quoted rate went from 4.75 % to 5.5 %. This equates to an additional {$180.00} in payment over the life of the loan which could be well over {$50000.00} during the loan period. 

I notified the lender and they have responded saying that they did not do anything wrong, when clearly they concocted a scheme to make me pay a 2 % broker fee when the VA doesn't allow this. Further, they caused me financial harm. After initially signing a floating lock dislcosure, I notified the broker to lock the loan, they said they would, they forgot and texted me saying that the rate had gone up from 4.75 % to 5.5 % - causing my payment to be {$180.00} higher per month. 

The response from the lender does NOT show the attached initial CD which shows they were charging XXXX points. And then they do not communicate in their response how they coordinated with XXXX XXXX to falsely show that XXXX XXXX paid 1 % seller credit. They did not. They used smoke and mirrors to reduce my deposit by {$3200.00} and show a fantom 1 % seller credit that XXXX homes did NOT pay for. They simply used my deposit of {$10000.00} and reduced it and had XXXX show a phantom credit only to make it look like XXXX homes paid a 1 % seller credit when in fact they did not. Which is in violation of the VA maximum 1 % borrower origination fee rules.
Consumer complaint received 2021-08-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: KEYCORP (NJ)

Private Lender Keybank made 4 XXXX XXXX private loans from XXXX thru XXXX. I made payments timely payments for 18 years until becoming unemployed and requested forbearance and deferments through XXXX XXXX XXXX ( loan servicer ). XXXX denied the request and referred the matter to the original lender Keybank after 6 missed payments. Keybank refused to grant temporary deferment or forbearance and charged off all 4 loans.

Keybank and their collection agency ( XXXX  ) in the attachments provided, sent further collection letters to another employer and this caused my employer to terminate the employment in XX/XX/XXXX. 

Now I am offered terrific new employment, however, the negative credit reporting is delaying my employment start date of XX/XX/XXXX.