davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

XXXX Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from Nordstrom informing me that they were reducing my credit limit by, this time, {$500.00}. ( Last year it was {$1000.00} ). 

[ From the Nordstrom Statement ] Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. 

When I called the number given for XXXX : XXXX, there was no live person to discuss their blunder. I was referred to NORDSTROM. 
I called Nordstrom. The young man I talked with said they adhered to the information provided by XXXX, and referred me back to XXXX. He also checked my account and found no problem. 

There seems to be no responsible humans at XXXX, only telephone robots available. 
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. 

I submitted most of my cards to XXXX XXXX XXXXXXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. 

They have yet to settle with XXXX and TARGET. I have no control over these balances. Understand that I have done everything in my power to be responsible. 

I have 2 older cards that remain active : XXXX and Nordstrom. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. 

The XXXX report doesnt have much relationship to reality. I think the robots are also XXXX. 
I am working to clean up my financial relationships, and wish to re-establish a positive credit score. 

RE : The report : 1. SERIOUS DELINQUENCY. -- XXXX None XXXX XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- XXXX None XXXX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XXXX None XXXX This report has caused a reduction in my credit line and maintaining a low credit score. 
The XXXX report is irresponsible and causing me financial damage. 

And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting ) Please check my history and demand XXXX Adjust my report. 
I need a copy to present to Nordstrom ( or perhaps you can correct.. )
Consumer complaint received 2019-06-04
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. (TN)

I recently paid Experian for my full credit report. Unfortunately I had to sign up for a monthly service which I did not want. The only way to cancel it is to call, which I have, but they refuse to answer the phone.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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. 

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 2020-08-22
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. (FL)

I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!
Consumer complaint received 2020-08-22
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was impacted for the COVID19 pandemic beginning in XX/XX/2020 and was laid-off from work in XX/XX/2020, I have this documented with the state of Illinois. I contacted my creditors to ask for payment deferrals and/or forbearance which they honored with no negative impact on my score. I overlooked Capital One as a creditor and upon realizing I had late payments I contacted them in XXXX and paid my account and brought it to current status, requesting reconsideration of late payment charges and fees under the Cares Act protection. On numerous occasions I requested accommodation to not have the missed payments report negatively on my credit reports and they denied my requests stating that I do not qualify since I'm not a small business without providing any reason why I am disqualified. I have an otherwise excellent payment history and my payments were current prior to XX/XX/2020. My account was made current in XX/XX/2020 and paid in full. The negative reports of late payments is bringing my score down below a threshold to purchase a home. I feel I am protected from this negative reporting under the consumer protections of the CARES Act and feel that the negative reports should be deleted based on those protections
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I sent out a Demand letter and Cease & Desist letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/2020 I received a balance transfer from my credit card at XXXX XXXX XXXXXXXX to be deposited onto my Santander Bank checking account, then I verified the funds were there and the funds were paying for bills. I also transferred {$3000.00} onto my savings account and left it there. On XX/XX/2020 a lender institution told me that I was late on my payments and basically all the bills I had supposedly paid were rejected, the reason : my account was closed. I called my banker and he told me my account was shut down and reported for fraud. I had spent numerous hours trying to solve this issue and I did not get any answers at all from either institution. My accounts got closed for no reason and this is causing me a lot of problems financially and also with my credit. I am very very upset about this issue and I need it to be fixed asap
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (AL)

The company listed an account with the credit bureaus showing an open date of XX/XX/2020 and a collection balance of {$2200.00} I have not received any notification or communication with this company to inform me of who this debt is with or the option to dispute the validity of the debt. 

I have filed a dispute with the credit bureau however the collection company has " certified '' to the bureau that the debt is legitimate.

As of this date, I still have not received anything from the company.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

{$1900.00} Account Number XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX MN, XXXX Creditor Name XXXX XXXX XXXX Industry Type Other Collection Agencies I HAVE NO IDEA WHAT THIS IS? IF IT IS RELATED TO A PHONE, NOTE I HAVE A PRE-PAID CELL PHONE SERVICE. I PAY FIRST THEN GET SERVICE FOR THE MONTH. REMOVE FROM ALL MY REPORTING AGENCIES, XXXX, EQUIFAX AND XXXX
Consumer complaint received 2020-08-22
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. (NY)

Dates : XX/XX/2019 Amount : {$180.00} Action Taken : ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS DEBT. I AM ENTITLED TO SEE THE ALL THE EVIDENCE FROM YOUR INVESTIGATION THAT INCLUDES THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THE DEBT.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MD)

My mortgage company PHH, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for  the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.
Consumer complaint received 2018-05-01
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: CITIBANK, N.A. (NY)

I previously filed complaint number XXXX. In this complaint I stated that I found an unauthorized inquiry from XXXX 's on my credit file which was made on XX/XX/2016. XXXX 's responded by ignoring what the complaint said and removing a VALID account from my credit profile.
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (OH)

Actually, talked to me about someone else 's debt. By calling me trying to collect someone else 's debt, and then telling me their company name, they revealed to me that the person they named owes a debt.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FISERV INC. (CA)

My XXXX  debit card expired last XX/XX/2020 with {$300.00} still in it. XXXX did not send me a new working card so, on XX/XX/XXXX, I called up the company customer service and they told me " Oh we are sorry we are sending it now, wait 2-4 days, '' I waited for 2 weeks and nothing arrives. I make calls 4 times, and they made the same promise each time, I waited each time for 2 weeks and nothing arrives. I finally decided to make a complaint into your good office. Thank you
Consumer complaint received 2019-02-19
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. (NJ)

i came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (NY)

I have tried for the last 3 months with many complaints regarding eceprian and their false advertising using Credit Boost. i have tried to call them well over 50 times andthey refuse not to fix the problem but refuse to answer my calls or return my calls. they refuse to list my information to credit boost correctlt and the sysyems does not raise your credit score when they keep on advertising on tv. When you try to call it takes almost 5 minutes just to go thru the options and it repeats the same thing over and over until you have to try several times to call back to get to the right department. when i spoke to someome about this weeks ago they keep on sending an email to me that they are trying to fix the problem with their credit boost. so why are they still advertising it when it does not work. i have followed all the rules but all i get is excuses and frustration because they are making it so difficult to help build your credit.I have spent 100 ; s on man hours on the phone trying to speak to someone and end up being transfered to another person then get disconnected Experian shuls be sued for what they are doing.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MD)

AXX/XX/2018I noticed a bill from XXXX in the mail. I didn't have a XXXX account so I ignored it. XX/XX/2018 I recieve a notice from Convergent outsourcing saying I was in collections for a debt of XXXX. At this point I contacted XXXX  directly. They asked me information and they verified that there was an account created in my name. The number was a DC based phone number and they noticed that a phone had not been purchased under this account. I asked the XXXX personnel whether an account could be created via online contact only. It was stated in order to establish an account with charges you would have to be at an XXXX XXXXocation. At this point I was asked for the password to the account which i didn't have. I was told not to worry about collections and that this account issue would be investigated. Soon after this I noticed that I had other accounts issued in my name. At this point I set up a credit monitoring service and issued a fraud alert and locked my credit so that I could not be further compromised. XX/XX/XXXX I was contacted by a debt collector I can only assume is related to Convergent and stated to the the person on the phone that I had issued a fraud alert and that my identity had been stolen. I also stated that I had filed a police report related to these events.The individual on the phone ignored my statement and tried to say that I was still responsible for the debt.
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (MS)

Tried to get inquiries removed from my accounts with XXXX, Experian, and XXXX told them that they were not authorized but the companies refuse to remove them.
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

hello, for security reasons when my phone was stolen coinbase closed my account - however afterwards - i have asked for it to re-enabled and their support says they are working on it and its been over a week. 

please i am concerned they are not going to give me access and i just wish to access my account asap/
Consumer complaint received 2016-02-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

I took out a loan with One Main Financial and paid it on time, I applied to have my home refinanced and part of the requirements of the loan was for me to pay off One Main Financial. I told the I would be paying the off and needed a pay of amount. on XXXX/XXXX/XXXX I received a letter from them ( attached ) with the payoff amount of XXXX for XXXX XXXX, XXXX and said there would be a interest amount of {$5.00} everyday after that. I paid {$8500.00} on XXXX XXXX, XXXX. They did n't tell me anything after that and I asked for a receipt or printout of what was paid. On the print out it said I owed them {$350.00} more with no explanation and the charged me a late fee win I was paying interest for everyday I was late. I will send attachments.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I had logged into my mortgage loan on XX/XX/2022. Once I had logged in my account said inactive, no loan found. I called Shellpoint on XX/XX/2022 the lady answered, I told her I could not find my loan information. She said XXXX XXXX we received your wire transfer in the amount of {$47000.00} on XX/XX/XXXX and it being processed. The lady congratulated me on having my mortgage paid off. She explained the next steps, said if I were due a refund, I will receive it within 2 weeks. I received an email from Shellpoint on XX/XX/2022 congratulating me on having paid my mortgage off. I had not received anything in the mail, I called Shellpoint on XX/XX/XXXX on the status and if I were due a refund. The lady said I do see that your mortgage has been paid in full. Shellpoint will send the title information to my local county treasures office. I will get a copy will have to file with my local county 's office also. I logged into my account XX/XX/2022 I saw the payoff was processed on XX/XX/2022. I called Shellpoint due to the fact wire transfer was more than my initial payoff shown on my online account. This lady said she was sorry my loan was paid off due to an error on their end. Someone from Shellpoint had entered the wrong loan number I still had a balance. I asked about what I had seen online, the email I received stating my loan was paid in full. She put a supervisor on the phone who said the same thing, she was sorry someone from Shellpoint had entered my loan number for the wire transfer that had paid my mortgage in full. I asked about my online statement and the email I had received. She said the emails are automated generated when loans are paid in full. My loan is currently not paid in full it was a huge error on Shellpoints end she was sorry. I told her with all the proof from online and the email my mortgage should be paid in full due to their error, not mine. None had even called me to say anything about what had transpired.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I applied for XXXX XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call XXXX in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (SD)

I closed my service with vast broadband internet back in XXXX. I told them to send me any bills in the mail if I owed anything after closing. I no longer wanted paperless bills since I disconnected. They never mailed me a paper bill or attempted to ask for the XXXX. I hooked back up services with them in XXXX before the XXXX and paid the debt of XXXX because they told me on the phone in XXXX that I owe. Then the offices of credit management lp sent me a collection letter in the mail dated XX/XX/XXXX for XXXX. I do not want this on my credit report.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (NY)

On XX/XX/2019 I was qualified to obtain a mortgage through NACA. On XX/XX/2019 XXXX XXXX discriminated against my disability and cancelled my qualification, told the lawyers not to accept my executed contract and had me spend money I did not have. I emailed XXXX XXXX on XX/XX/XXXX to request an adverse action letter as NACA has been consistently pulling my credit as this was a credit based loan, and himself as well as XXXX XXXX emailed me back they do not need to send out an adverse action letter as to why I am now being denied a mortgage after I was already qualified. 

I believe this goes against the FCRA. As a consumer, if I apply for credit based loan and am denied, I am entitled by Federal Law to receive an adverse action letter. Since my credit was pulled multiple times by NACA, I am requesting for an adverse action letter to be sent to me. 

NACA is a predator and they're using unfair business practices. I was lured into the program under false pretenses and false advertising.