davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802.

Furthermore, review attached documents
Consumer complaint received 2021-06-29
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. (PA)

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I opened this credit card with a XXXX annual fee for the purpose of travel benefits. Then Covid19 hit and travel stopped. Because I cant receive the travel benefits I called to ask for a refund of the annual fee and was told it was too late. With all the extensions given because of Covid I asked if they would refund the annual fee but was turned down.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (AZ)

IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT ACCOUNT XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECCION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SWCTION 2 : IT ALSO STATES A CONSUMER PEPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2021 Comenity Capital Bank mailed a letter to my home address closing my account " based upon information you provided during our recent phone conversation. '' This phone conversation occurred on XX/XX/2021 when I called the number on my credit card to determine why I received a declination on a charge of {$70.00} when my account had a zero balance and plenty of available credit. The representative stated that there was " suspicious '' activity on my account which I responded was ridiculous since I had recently paid the account off. After several more minutes of my time being wasted, I was told that I needed to answer financial questions in order to use my account. I was not able to provide the information to the first question because I was driving and not at home with my financial documents. I told the representative that I would call back when I was not driving and could obtain the needed answers. The following day the letter was mailed and my account closed. It seems to be retaliation for paying off my account and changing my email address. They did not even provide a number to call to dispute their action. My credit score has since been decreased due to their closure of my account and the loss of the available credit of the card.
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT. I HAD NO IDEA SOMEONE WAS OPENING THESE FRAUD ACOUNTS IN MY NAME. THERE ARE ASLO SOME INQUIRIES FOR THINGS I HAVE NEVER APPLIED FOR. PLEASE TAKE IT OFF. SEND ME AN UPDATED COPY OF MY CREDIT.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (TX)

Loan Closed XX/XX/2021 I was not able to qualify with the Builders Lender. 

All income and asset docs were submitted to the Lender along with my offer letter detailing my compensation. I was advised by the loan officer that my differential income ( production bonus ) would be treated as " commissions '' for the purpose of averaging my income. 

Egregious errors were made by the Mortgage Company in regards to calculating my income showing my earnings to be less than half of the actual income. It was presented to me that I had to sell my house and pay off a car loan in order to qualify. I was able to obtain financing and closed as scheduled without those conditions. It not only cost me extra in Rush fees, but I also lost the incentives listed in my contract. My loan was underwritten in accordance with XXXX XXXX guidelines as a XXXX loan. The mortgage company should have been able to do the same and approval should not have been contingent on the sale & settlement of my house + the payoff of a car loan. 
o I was given additional options due to an accommodation given by the Builder to address Contract issues. The incentives were more than the additional options, so it appears to be a claw-back. 

I contacted the XXXX XXXX XXXX & XXXX XXXX for resolution. The XXXX declined to make any adjustments.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (FL)

I send {$200.00} to XXXX, XXXX on XX/XX/2021. The Money Transfer  co XXXX authorised by XXXX gave me 6 cash pick up locations to pick up cash. But none of those locations were not there or move out from the locations given. 
So I canclled the transaction on XXXX XXXX. Following is the Reciept Cancelling the Transaction Xoom, a XXXX Service Transaction cancelled As you requested, we have cancelled your transaction. 

If we owe you a refund, please allow up to 3 business days after the payment is processed to receive your funds. 
I have tried to talk and email to the customer service but no one is picking up the phobe and no answee on line. I am totally in dark.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC (TN)

On XX/XX/2021 I was alerted that I had an update to my credit report. When I checked it, an account from The Law Offices of Jennifer McCoy had been added to collections which resulted in my score decreasing by twenty points. On XXXX XXXX I wrote The Law Offices of Jennifer McCoy asking for the original contract to be certified mailed to me, showing that I, the consumer, owes The Law Offices of Jennifer McCoy a debt. I then receive a letter dated XXXX XXXX from the law firm, which was not enclosed with the contract that I had requested, but enclosed with a statement. Shortly after, the account was removed and my score went by to the original score, raising it twenty points. 
My complaint is : due to Law Offices of Jennifer McCoy, my reputation has been compromised. According to FCRA 15 USC 1681 ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 USC Code ss 1681 o-Civil liability for negligent noncompliance ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to ay consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I asked the law office to provide me with a copy of the certified original contract, which she did not do. Due to the law offices negligence, my score went down twenty points.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2021-08-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, XXXX, and Trans Union still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( Trans Union, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Consumer complaint received 2024-01-23
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. (TX)

I want to emphasize that I have previously disputed these account on several occasions in the past. Despite my previous disputes, the charge off entry remains on my consumer report, which raises concerns about the accuracy and compliance of the reporting agencies with the FCRA.
Consumer complaint received 2021-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU is reporting a debt on my credit report that they are not avail to verify. I contacted them on XXXX and they were not avail to find any information on me. I requested for them to remove the wrong information from my credit report and they hang up on me.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

The Mortgage company Paramount Residentioal Mortgage Group, Loan # XXXX is charging me for gap coverage even though I showed documentation of payment of my insurance four days before it was due. 

From what I was told by my insurance Company, XXXX, they did not receive the check until the XXXX, 3 days after the due date and returned my check. This was an unusual 7 day delay, which was unbeknownst to me until a few days later. 

My insurance agent had to rewrite the policy and I repaid, renewing the coverage, ( acct # XXXX ) as of XXXX XXXX.causing the gap. 

I filed a complaint with the mortgage company through email, which was not accepted and then through their website as requested. the website was unable to upload documents and instructed to fax. I faxed the documents on a weekday around noon, but after many busy signals, they just did not answer the fax and my issue has been ignored.
Consumer complaint received 2024-01-23
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX ; Account : XXXX  XXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, - XXXX, XXXX - XXXX, Account : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services (MD)

This account has been reappearing on my account for some years now. I have made several attempts to resolve this issue and this issue still has not been resolved. I have also contacted each credit bureau and this issue still has not been resolved. 

Under the credit reporting laws this is to be removed from my credit report. I have sent 609 Letters a total of 6 times. 

This is a old resolved and closed account, If the collection agency does not have a reason to report this to the credit bureaus it should be removed. If they do see that it is an accurate credit reporting, I have been asking for all supporting documents be sent to XXXX. 

Lendmark Financial Account # : XXXX Date Opened : XXXX Account Status : Closed 1st Letter : XXXX 2nd Attempt via dispute online : XX/XX/XXXX 3rd Letter Follow Up : XX/XX/XXXX Final Attempt : Called all Bureaus and Company and I received no help with resolving this issue.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (LA)

I applied for the scra through navy federal to lower my interest rate on my credit card. My process was approved with only the refund to my account, but my interest remained at 18 %. Under XXXX  law, as with still being XXXX XXXX, my interest rate should be capped at 6 %. Following up with Navy Federal, they stated that my credit card interest will not be dropped. They stated that previous charges were accounted for with the lower interest rate and that all current charges and payments will remain the same.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

Three months ago, I responded to a promotion for an American Express XXXX XXXX XXXX card that promised XXXX miles. I was instantly approved, charged and paid for the required amount for services and merchandises and paid the {$250.00} fee. When the promised miles did not appear on my statement after three months I called and was informed that I had not qualified from he promotion miles. American Express/XXXX  never informed me of this and I kept charging and paying for services and merchandise that I could have put on another card. I was also informed that I was ineligible to receive a refund of the {$250.00} fee. The person I spoke with at American Express is XXXX, his employee I.D . number is # XXXX ; his supervisor whom he promised would call, and never did is XXXX.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response
Consumer complaint received 2015-06-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (NJ)

After 5 years on Heloc for my property and not other mortgage on it .I applied for a renewal of the loan. The procces started about 70 days ago.After being pre -approved and meeting several demands from the bank TD BANK. They failed to follow due proccess and declined my application based on wrong information based on untrue facts.TD bank after being notified several times about the wrong information .promised several times to make the correction but failed to actually do so. My Loan processor and the supervisor have conspired to get my loan denied by ignoring the true information and assuming wrong information. example : They stated that my home is a commercial property therefore no qualified for the loan. Despite being notified about the error several times by the bank local branch, by email, ( see enclosed records ) The Bank systemically look the other way and failed to give a a fair chance to get access to a home loan renewal.There have been a disregard for the fair housing law and the rules for a equal lending opportunity. 
Example : The loan was denied for having insufficient collateral, It was later found that the property appraisal and loan was excellent to their own admission. 
in Summary Td Bank have run my application at XXXX with a diligent manner, But shortly after with disregard for costumer care and with a obvious intention to deny the loan despitemy qualifications.