davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

I TOLD EXPERIAN, XXXX, AND XXXX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT! 
15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 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 RESONABLE CAUSE TO BELIEVE INFORMATION IS INACCURATE
Consumer complaint received 2019-11-12
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)

I applied for an XXXX XXXX. I was declined as they stated I had a past due payment. I do not. I was told to contact TransUnion which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX then XXXX XXXX. Another 45 with TransUnion. They sent me a credit report with no past due payment on it. XXXX and XXXX said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.
Consumer complaint received 2018-07-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I had a credit loan from Credit Acceptance over 22 years ago and they have taken in tax money over {$3000.00}, but will never report. Will not come off my report, my life has had denial, from any type of loans for over 22 years, for Credit Acceptance continues to have other agencies buy the account since and continue to harass my life, still continuing today XX/XX/2018. Big affect upon my credit scoring and report appearing two times, as of XX/XX/2018.
Consumer complaint received 2018-07-22
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 — Problem with personal statement of dispute
Company: Freedom Mortgage Company (NV)

I tried to make a payment on the XXXX of XXXX and the system made me pick XX/XX/XXXX as the payment date causing it to be a 30 day late. the check submitted cleared and i was told to dispute it through the credit agencies and that it should be fixed. the company has refused to do so.
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

The Company is aware that there is in fact information that is incorrectly stated and omitted. No Correspondence of any kind was received dated XX/XX/2021, and no proof of such correction was provided as evidence has been provided. In addition, no corrections or contract is valid with such errors without endorsement by both parties. Therefore, this contract is null and void. The documents related to this purchase did not fully and clearly disclose the required information. The Agreement contains unclear terms and have omitted terms which have confuse me and my rights as a consumer under TILA have been violated. 

Civil remedies for violations of TILA include an amount twice the amount of finance charges, plus attorney 's fees. Creditors can not avoid liability for an error as they failed to notify and correct the error within 60 days of discovery.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Received 'Fraud Letter ' on XX/XX/XXXX on three Cap One accounts. Nothing in the letter detailed fraud. Upon calling, they closed all three accounts because one of them had a returned payment. Even though this payment was immediately remade and cleared, they still closed three accounts. They did not attempt to communicate with me before taking this action. Two of the accounts had been open for 18 years!

The one with the returned payment had a large cash back balance that had not been redeemend. In researching this online, it appears Capital One has a history of closing accounts for little or no reason when they have a significant unused rewards/cash back balance. This is not fair or reasoanable. Closing all three acounts over one of them having a typo in a payment that was immediately resolved was not fair or reasonable. 

As I have applied for Mortgage approval based on these accounts being valid, this is a disaster. This will destroy my credit and likely cost me a ton in a higher interest rate. The suggetion to 'open a new account ' will not help as that also would blow up the mortgage application.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the current amount, high credit, payment history, and the comment to verify this information. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Modern Adjustment Bureau (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affilates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the attorney, CFPB, FTC and the Police deaprmtent to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

The account for XXXX XXXX XXXX # XXXX, has been disputed several times with XXXX, XXXX and experian and is old information and still remains on my credit report with all three credit bureaus. this account has been closed for over 7 years and needs to be removed from my credit report.
Consumer complaint received 2018-07-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX and XXXX XXXX both told me they did not run a report on the borrower so i sent and paid for my earnest money and survey, plus appraisal wait never mind they both said they never do that so i have a doj lien that i showed was not mine with all my ID theft, Police report and they still refuse to do my loans i feel like i'm getting the old fashion crying about my race but keep in mind several huge company were sued b/c of this LIKE XXXX i just want the house and provided the documentation that was needed
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (NV)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-02-26
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: National Credit Adjusters, LLC (AL)

These people place a fraudulent account from ( XXXX XXXX/NATIONAL CREDIT ADJUSTERS ) on my credit report that doesn't belong to me after. I've never done business with these people. My ex-husband and his girlfriend pretending to be me stole my information to get this loan. Her name is XXXX from what I was told by his XXXX XXXX XXXX sister. XXXX used an account we had to make payment while she talked to them acting like she was me. I sent the Credit Bureau the police report and XXXX! XXXX of the Fair Credit Reporting Act, which requires the Credit Bureau to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher XXXX XXXX ) of that information. I have provided XXXX with the police report and my identity package which they have on file and still they place this fraudulent account on my credit report. I am a victim of identity theft. The information from ( XXXX XXXX  XXXX NATIONAL CREDIT ADJUSTERS XXXX which appears on my credit report. does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft. [ Identity item XXXX XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit reporting Act, and send the required notification to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-07-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (NC)

XXXX XXXX  charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have Knight Adj Bureau trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and Knight Adj Bureau will not remove it. 
The charge off was back in XXXX, K.A.B. opened the file on XX/XX/XXXX. 
So how can XXXX XXXX  charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!
Consumer complaint received 2020-11-15
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. (CT)

I started and investigation request on XX/XX/2020 with follow up request and this company have not send me updates or share the process of there investigation, inaccurate information is been reported to my credit report and this company have not remove them. please investigate. 

please see attached all the letters sent and my ID
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

My Complaint is Against United Wholesale Mortgage ( UWM ). 
On XX/XX/XXXX my loan was paid in full ( by way of a Refinance also with UWM. I have never had an Escrow account with either of my mortgages with UWM ( I pay my own property taxes and homeowners insurance ). I am owed a Refund for Overpayment of the Paid in full loan- Not a refund of any Escrow account as I've never had an escrow account with UWM. The amount I'm owed is in Excess of {$3500.00}. It is now XX/XX/XXXX ( 41 Days Later ) and I have still not received my money. 

On XX/XX/XXXX as per UWM online records, UWM received wired funds to pay the mortgage in Full of {$480000.00}. On that day the Principal Balance indicated on their website was {$480000.00}.

On the UWM Website, it indicates 2 refund payments, one for {$3600.00} and another for {$4.00} both on XX/XX/XXXX and both with the reference " Escrow to Mortgagor Disbursement '' On Monday XX/XX/XXXX at XXXX XXXX, I called UWM to find out the status of my refund ( Loan had been paid off over 30 days at this point ). I spoke with the initial representative and then a supervisor ( didn't document their names ). They both gave me different dates as to when my Check had been mailed out and the initial representative further told me that they do not control the USPS. After getting conflicting information as to when it was mailed and when I might reasonably expect to receive my refund, the supervisor said that it could take up to 10 days from mailing date and recommended I wait until at least the end of the week to see if it arrives in the mail ( XX/XX/XXXX or XXXX ). 

On Wednesday XX/XX/XXXX at XXXX XXXX, I called UWM for a 2nd time, this time Representative XXXX told me they recommend waiting at least 21 days from mailing date and so i should wait a while longer. I told her that was now unacceptable and that I wanted the payment reissued to me in an overnight package. She sd. that couldn't be done. I asked why a multibillion dollar corporation could not use XXXX or XXXX  XXXX to expedite my overdue refund. She just continued to say it was not possible. Lastly, I asked simply how I could get my money as soon as possible. XXXX sd. that all she could do was request a cancellation of the supposedly mailed check and reissue which would now take 3 to 4 days of additional processing time and then whatever regular USPS mail time would be. I said OK, well whatever you need to do to get me my money. 

I feel that UWM is playing games, is not being forthright in issuing me a Refund and may be in breach of the law. 

XXXX XXXX
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

I began to fill out application and it auto applied for me based off my Amazon account. This had the wrong details because Ive had a legal name change. 

When I went to call the credit company they were insanely rude. Kept talking over me. Insisting I was wrong. Calling me by the wrong name. Hung up on me.
Consumer complaint received 2021-09-13
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

My account was closed with XXXX XXXX, one XXXX XXXX and one XXXX. I did n't have a balance on either. When I called XXXX XXXX, because it was first, I was told because I do n't use my card. The representative explained to me 92,000 cards were closed for the same reason. WOW! XXXX, had the same response. The letter stated serious delinquency, however upon review of my credit report nothing has been paid late. I am being punished for choosing not to carry a balance, for being wise about my spending habits, for having an open line of credit, and not giving the bank money in interest.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I used my USAA debit card at a XXXX XXXX ATM on XX/XX/XXXX. I attempted to withdraw {$400.00} from my available funds. The ATM gave me an error message indicating that funds were not available and did not dispense any money. 

I immediately pulled over in the parking lot to check my account via mobile banking because I knew I had sufficient funds. My mobile banking app showed sufficient funds but also showed that the ATM withdrawal went through. 

I called USAA and they temporarily replaced the {$400.00} while they investigated. However, they withdrew the replacement money on XX/XX/XXXX citing a finding in favor of XXXX XXXX. 

I requested supporting documents in writing in compliance with their instructions, but never received a response, or my {$400.00}.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Dear Sir, I have paying monthly fee to Experian Credit Bureau to check my credit report and communicate false information to Experian. On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. I have also not any notification from Experian on this. I ran Experian credit report on XX/XX/2018 and came to know this fraud alert placed using my identity and also without my notice. I think, someone used my identity fraudulently and placed this alert. Experian must provide the complete details of this fraud alert so that I can contact Law Enforcement on this. Also, this fraud must be removed from credit report removed immediately. Also, I have closed all my credit records and only one credit card open, which has very minimal balance. I do not have any other Auto or any mortgage loans. I have only one credit card with my  identification and social. Experian holds the complete legal accountability and responsibility for placing this kind of fraud alerts without consumer 's notice and request. Could you kindly direct Experian to provide me the details of this fraud alert placed on XX/XX/2018 and also who placed this fraud alert on my credit report. Could you kindly direct Experian to remove this fraud alert immediately from credit report without further delays. I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Its considered as identification theft if someone uses my identity or Experian entertains anyone uses my identify.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have 2 collection bills that I settled and paid with the companies. XXXX  and XXXX  Credit Bureau updated and removed from my credit report ; however Equifax is still reflecting an outstanding balance for these 2 collections. 
On XX/XX/2020 I made a settlement payment with both collections : Opened XXXX XXXX XXXX XXXX   XXXX  $ XXXX Settlement {$600.00} Opened XX/XX/XXXX XXXX $ XXXXSettlement {$78.00} I have receipts and statements to show payments
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove the late payments from this account.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/2020, I purchased tickets to an event from a site called tickets on sale in the amount of XXXX. The event was scheduled for XXXX XXXX, however, this is around the time the pandemic shut everything down. So, the event was postponed. The event has been postponed for a total of 2 times with the last date being XXXX. I have not received any up to date information as far as when the event will be held. At this point I am no longer interested in going. Ive tried to contact the tickets on sale customer service numerous times and they have told me since the event isnt canceled then I cant get s refund. I really believe this is why they keep postponing the event. Also Ive tried contacting the venue where the event is to be held but have been unsuccessful with reaching anyone. Ive tried to dispute with my bank recently but because the transaction occurred in XXXX they stated that they have a specific time frame in which they can pursue a dispute.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I was recently viewing my credit report through experion credit report- and after looking at my credit report I did notice there were late payments on one of the cards. I thought that was odd because I do not have any debt on my credit all my debt is paid off. Doing some more investigation from XXXX I did find out I did have a negative balance of {$2500.00} of which I was not responsible for which is a result of identity theft. The Citi card was opened on XX/XX/XXXX and the card was closed due to charge offs. So someone did use my social security number, possibly my name with a different address to shop for the following items. 
After doing some investigative work online I did find out that the card is associated with Home Depot or it 's a CITI card that they issue to home depot. I initially called the CITI cards and they told me they do n't have me on file that I needed to contact Hope Depot in order to dispute the charges. After calling the Home Depot they gave me a CITI card number again and they told me to call the following XXXX numbers XXXX of the numbers is associated with their Home Depot CITI cards. XXXX. The other number is XXXX XXXX. 
I have n't had a chance to call the last XXXX numbers. I did contact some other government agencies and I did file a report. On the other hand I did contact the credit bureu and they did file an identity theft report and they are doing some investigative work and they 'll let me know what he result is in the next 30 days. So as a result I 'd like the following credit card issuers to clear my debt because its ruining my credit or I 'll be taking legal charges against CITI/Home Depot card for ruining my credit. Thank you.