davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NY)

Subject : Urgent : Dispute of Account Information - Immediate Action RequiredDear XXXX XXXX I am writing to you with utmost urgency regarding discrepancies in the account information associated with my account. As a consumer, I demand immediate action to rectify these inaccuracies in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ) .Account Details : Account Name : XXXX XXXX Account Number : Credit Card Ending XXXX It has come to my attention that the information reported by XXXXXXXX XXXX may contain errors or inaccuracies. I vehemently dispute the accuracy of this information and insist on a thorough investigation into the matter.Under the FCRA, it is your obligation to ensure the accuracy of the information provided to consumer reporting agencies. Therefore, I demand that you promptly provide me with the original documentation related to this account, including any agreements or contracts that I purportedly signed upon its opening.I expect your immediate attention to this matter and a response within 30 days as mandated by federal law. Failure to address this dispute and provide satisfactory resolution will leave me with no choice but to escalate this matter further.I am not providing my Social Security card or any other personal identification at this time. It is your responsibility to verify the accuracy of the reported information without requiring additional documentation from me.Your prompt action in resolving this matter is imperative. I trust that you will handle this dispute with the urgency and seriousness it deserves.Sincerely XXXX XXXX
Consumer complaint received 2023-03-10
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: Torres Credit Services, Inc. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
Consumer complaint received 2023-03-10
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: Resurgent Capital Services L.P. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have had a very difficult time with SLS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SLS always seemed to lose my paperwork, which I constantly had to re-fax. I currently have a full modification package submitted with every required document. SLS has refused to review the documents. Stating the need 37 days. I have been informed by HUD under the California Homeowner Bills of Rights it 5 days. Which I have done. 

The hardship that has caused me to be in this situation is I was laid off 8 months before COVID hit the United State. I was applying for a new jobs and the pandemic stopped all the interviews and process I had completed. I kept looking for work during the pandemic and was finally hired for a new job in XX/XX/2021. I am back to work full time with a great new job and with my wife income as well we can easily afford our mortgage payments. HUD has informed me that my gross income qualifies under mortgage banking guidelines.
Consumer complaint received 2018-07-24
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: CITIBANK, N.A. (NY)

Hi, on XX/XX/XXXX i bought XXXX XXXX XXXX XXXX  XXXX 65-Inch 4K Ultra HD Smart OLED TV ( XX/XX/XXXX Model ). 

But I received the wrong tv from XXXX. it was 55 inch, so I returned it to XXXX and the delivery services came and confirmed and picked the tv back and returned it to XXXX and XXXX acknowledge on there website order details that return was received and the refund will be processed in 2 weeks. 

After 2 weeks no refund and i decided to contact XXXX and they said I sent the wrong tv but I told them i received the wrong tv and that's what I sent back and were unable to help me so I contact my bank. 

my bank Citibank opened dispute on XX/XX/XXXX and issued me conditional credit and on XX/XX/XXXX i received response from my bank that they received response from XXXX and they wanted proof that I returned it and I attached 4 pages of proof and Citi bank gave me conditional credit again and XX/XX/XXXX Citibank said they got response back from XXXX and will let me know in 10 days and then on XX/XX/XXXX they said they upload document for me to read. 

which said they can't help and closed the investion and to seek other means after 4 months. very disappited with citibank when i gave all the proofs.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have requested and extension for my Foreberance plan because I have been impacted under the Covid 19 and SPS continues to harass me sending me threaten letters call me all times of the night and refused to acknowledge my right to request and extenson under President Biden Cares Act.
Consumer complaint received 2018-07-24
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. (MS)

A consumer/victim statement was made on my identity and it was made in error I would like to have it taken off my credit report because I can't get a loan access my accounts or fix any account ts until its is removed an its thru trans Union I was told that they needed to ask me some questions but wasn't able to access those questions I called them for 4 hours tried  submitting documents online to no avail the information is XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX the last digits of my social is XXXX The reference number is - XXXX And its addressed to ATTN : CONSUMER DEPARTMENT
Consumer complaint received 2021-11-10
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. (CA)

I have been disputing the following accounts : XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX On XX/XX/2021, sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

South East Toyota Finance, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with XXXX. My score went down XXXX points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. SETF also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX  shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with SEFT they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to SETF incorrect reporting.
Consumer complaint received 2021-05-03
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. (WI)

There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late payments
Consumer complaint received 2018-07-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (MD)

The same Company called XXXX XXXX XXXX ( XXXX ) /XXXX  XXXX XXXX ( XXXX  ) keeps reporting false reporting that's affecting my credit. I am no longer the co-signer of any private loans serviced by XXXX. These loans were included in my Bankruptcy and also listed as a " Charge Off ''. I would like for this company to stop selling the loans to collections agencies regarding loans that are no longer owed.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (CA)

Received letter from " Barclays '' XX/XX/2021 re : needing more info. before they could make a decision. Sent them Drivers LIc. front and back SSI card front and back. I called them and they said to send it, I did. I called Barclays XX/XX/2021 to make sure it was legit and they could not find where they sent me a letter.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both Equifax and XXXX, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2010, I sent Capital One {$200.00} for a Prepaid Capital One Master card. Capital One have been falsely reporting to the Credit Agencies that I have a credit account with them. Over the eight ( 8 ) plus years I've had this Prepaid Card the Maxium amount I could use is the amount I put back on the card each month. How is this credit if I'm using my own money? What RISK is Capital One taking? And what protection I have as a Consumer when Capital One report to the Credit Agencies that I didn't sent them my money to put on a Prepaid Card each month and these Credit Agencies are recording this False Negative information and lowing my Credit Score?

This is like if I do not deposit money into my checking account the bank will report me to the credit agency. My compliant is that Capital One have caused me harm with this false reporting.
Consumer complaint received 2022-01-08
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. (TX)

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Applied and was approved for a Bank of America Cash Rewards credit card early XXXX. 
Noticed today i was unable to login to my online banking account. 
I noticed this without receiving any prior notification from BoA. 
Had to call the Account Closures team to learn that my account had been shut down as a " business decision '' by Bank of America. 
I have XXXX dollars in cash rewards from using the card as a sign up bonus. This cash reward was also taken back by the bank.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from XXXX that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from TransUnion that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Galaxy Capital Acquisitions, LLC (CT)

I have contacted Galaxy International Purchasing LLC, concerning the delinquency debt they put on my account on credit reports. This account has been paid and settled. Even when I called XXXX they keeping saying that my account was paid in full not less than it was own but paid in full directly on XXXX credit card. XXXX, I am requesting this Galaxy company to removed this delinquent remark on my account before i proceed legal charges against them. here i am attaching proofs of clean record with XXXX.
Consumer complaint received 2023-03-02
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. (AR)

XXXX Date XX/XX/XXXX XXXX  XXXX XXXX, amount XXXX 2.XXXX XXXX XXXX account XXXX Date XX/XX/XXXX amount XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX paid, XXXX XXXX  XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  date XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of Ed/ XXXX XXXX XXXX Date XX/XX/XXXX amount paid.XXXX  XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX Date XX/XX/XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These are the dates requested XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WYNDHAM CAPITAL MORTGAGE, INC. (UT)

XXXX XXXX @ XXXX XXXX reached out to my brother XXXX in regards to our existing loan we financed in XXXX to see if he was interested in refinancing and getting a conventional loan. XXXX did not really understand the bennifits but told XXXX he would be interested in getting more information. XXXX text XXXX saying that it would save him on his mortgage insurance. XXXX never reached out to me directly before pulling a hard inquiry on my credit report. He called me and I was shocked to find out he had already pulled my credit and started the process without speaking to me first. I immediately asked him to resolve this issue and he said he would speak with his manager. THen replied the next day saying there is nothing they could do. I want to report this behavior it is a negative experience that I have to now dispute this with the credit bureaus and don't feel they are taking my complaint serious.