davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (IL)

Hi my name is XXXX XXXX Im Having A Problem This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX  - open XX/XX/20XXXX XXXX XXXX XXXX open XX/XX/2023 XXXX XXXX XXXX  open XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2016-06-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

I have XXXX auto loans with Santander Consumer USA with a 24 % interest rate.I 've been a customer since 2012 and my payments mostly go towards interest.I 've requested a modification to decrease the interest rate and payment but Santander refuses to offer any assistance.I was unemployed for five years.Both vehicles have over XXXX miles and the payoff for both vehicles is over {$19000.00} each including interest.It started out as a {$15000.00} loan.Santander needs to offer better assistance for customers who were laid off their jobs, because adding high interest does n't resolve the situation it make matters worse because the vehicle is not worth whatever the payoff amount is.
Consumer complaint received 2020-10-19
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. (NM)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2015-06-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NC)

When I first opened my account, I signed up for and paid for overdraft protection. When I looked up my balance, I was {$110.00} in the negative. I have not used that account for a few months so there is no way to get that negative balance. I went to close out the account and question why such a big negative balance and was told I could n't close it out until I paid the fees. Why should I have to pay for something I did n't do.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Original Complaint XXXX submitted XX/XX/XXXX. 
Case closed XX/XX/XXXX. 
Company ( PHH ) did not fully respond to my complaint. 
I received partial refund of trial payments on XX/XX/XXXX as described in the response to my complaint from PHH. 
on XX/XX/XXXX I corresponded via email with council of PHH. ( email attached ) on XX/XX/XXXX PHH 's council requested and I supplied additional documents to support my complaint. ( email attached ) on XX/XX/XXXX I requested an update from council of PHH, and no response.

The following 3 issues were not responded to or resolved : 1- Refund of 7 misapplied trail payments XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX Endorsement of Insurance check in the amount of XXXX payable to Ocwen and XXXX XXXX . 
3- Financial relocation aid - {$10000.00}
Consumer complaint received 2016-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CO)

I use to have a XXXX XXXX XXXX bills since XX/XX/XXXX to XX/XX/XXXX, and I had problems paying the XXXX dollar bill owed to XXXX. Since XX/XX/XXXX to current I have used XXXX assistance to pay the remainder balance under a different account holder with me associated with the account, and all the payments from XXXX, XXXX, and my own money since XX/XX/XXXX all the way till XX/XX/XXXX the bills was paid. My home is a protected address with my son, and I had to put a temporary injunction with XXXX XXXX Colorado, and that is XXXX County with XXXX district courts to maintain my residence without losing my electricity, but the one account where I was alone that I paid for faithfully for 7 years since XX/XX/XXXX to XX/XX/XXXX, that XXXX dollar debt was absolved or should have. I wrote complaint letters to XXXX, and they send the bill to other collection agencies where this debt is not mine.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MD)

I have been on the phone with American Express for over 4 hours this week. I signed up earlier this year for a credit card product that came with a {$450.00} annaula fee and I would receive XXXX points. I paid the annual fee, made the requite purchases to receive the XXXX points and American Express wo n't release the points to me. My account shows the points have been credited to me, but AmEx has somehow and for some internal reason put a freeze on the release of the points to me. Their product advertising is misleading and deceptive. 
Their customer service is unhelpful, and unable to come to a resolution. 
I was told by XXXX of their representatives that the points on my account could be released on XXXX XXXX. I asked what did meant, and I was advised that there was a XXXX week window after I met my minimum spending criteria. I then escalated my complaint to multiple supervisors and was advised of XXXX different dates for when my points would be available. There is no reasonable basis for my points to be frozen and will an upcoming trip, I ca n't access my points for the purpose for which I applied for the credit card. I 've been told by several different customer service reps that they ca n't escalate unfreezing my account/points. 
AMEX is willing to admit the many mistakes they made but will not rectify the situation with me. They are not offering me nothing but a {$50.00} statement credit. AMEX costing me time, money, and distress. I would like the release of my points ( per their own advertisements and promotions, an apology from AmEx and a refund of my {$450.00} annual fee.
Consumer complaint received 2016-06-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (MS)

I saw a commercial on XXXX XXXX for a VA Home Loan. The commercial was very compelling. They explained that if I was a Veteran and had an XXXX they would help me use my VA entitlement for a mortgage. I get on the phone and go through a lengthy process of applying for the loan and was denied. Even though I have served honorably, have a VA entitlement, and a good income they still turned me away. I feel that their advertisements were unfair and deceptive. I 've been harmed because my credit report was negatively impacted by them pulling the report and I still was n't given a home loan. Please help. 
XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act 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 2023-03-27
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: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NJ)

I received an automated called on XX/XX/2020 from the company telling me to call them so when I went I to my account to see if there was any reason for them calling I realized I was 7 days late for my payment and I paid it right there then set up a payment for XXXX. On XX/XX/2020 I got an email from XXXX  XXXX  saying my credit report was updated and when I opened it to see what updated, I saw that the company marked my credit report as 30 days late. I disputed it and on XX/XX/2020 I got a response that said that my file was once again updated and this time they marked me 30 days late for XXXX and XXXX even though my due date for XXXX wasn't for another 3 days. When I go into my account, it doesn't show I'm late at all and I'm paying theinimum payment that I'm supposed to pay. When I called to talk to them, they're claiming I haven't made a payment since XXXX but my account shows the payments. The company wants nothing to do with cooperating with me and keeps putting hits on my credit report and took me off of the hardship because " I didn't make 2 consecutive payments ''.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act 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 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

applied online for Discover It student card. 

Denied reason : No credit record available. 

None used. 

It reads on the back of letter some thing is not right and or accurate. 

For a free copy of your credit bureau report contact : It's blank no credit bureau is listed or printed. Something is not right.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.
Consumer complaint received 2016-10-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: American Student Assistance (IN)

American Student Assistance ( ASA ) consolidated my student loan under a made up interest rate. Harassed friends and family over false debt. 
XXXX XXXX directly at XXXXXXXXXXXX or by phone at XXXX ext. XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-09-05
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. (MO)

This is XXXX XXXX submitting this CFPB Complaint regarding the correction of the disputed erroneous account being reported on my Credit Report. I have been sending multiple dispute letters requesting that the Credit Bureaus investigate the disputed accounts on my Credit Report and correct or remove any account which were not being verified. The Credit Bureaus continued the reporting of the disputed accounts without sending me copies of proof verification from their investigation. I feel like the Credit Bureaus have not done any investigation at all and claimed that the disputed accounts were already verified. Under the Fair Credit Reporting Act, I am requesting that the Credit Bureaus correct or remove the disputed account from my Credit Report : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX. XXXXDOFED XXXX Balance Owed : {$4000.00} XXXX. XXXXDOFED XXXX* Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-03-27
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 Have no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.
Consumer complaint received 2017-03-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (SC)

I have contacted Commonwealth Financial system since XX/XX/2015 ; they have yet to verify and validate this debt and it is still showing on my credit profile ' which is a violation of the FDCPA. All XXXX credit reporting agencies has stated that this account was verified and validated but has failed numerously to provide me with documentation supporting this presumption which is also a violation of the FDCPA.
Consumer complaint received 2021-02-19
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. (CO)

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2017-05-23
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. (KY)

XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (IL)

I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?
Consumer complaint received 2022-09-05
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. (MO)

This is XXXX XXXX submitting this CFPB Complaint regarding the correction of the disputed erroneous account being reported on my Credit Report. I have been sending multiple dispute letters requesting that the Credit Bureaus investigate the disputed accounts on my Credit Report and correct or remove any account which were not being verified. The Credit Bureaus continued the reporting of the disputed accounts without sending me copies of proof verification from their investigation. I feel like the Credit Bureaus have not done any investigation at all and claimed that the disputed accounts were already verified. Under the Fair Credit Reporting Act, I am requesting that the Credit Bureaus correct or remove the disputed account from my Credit Report : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$4000.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX* Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX* Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (TX)

I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer.