davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (VA)

I have been repeatedly contacted by Southwest Credit ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ). They call me twice a day on most days, always from different numbers. When I answered their first call over a year ago, I asked them to prove I owed the debt, and they told me to call XXXX. So, they can't even prove to me that it's valid. I did not know that I could dispute it. It is affecting my credit and it needs to be removed.
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

On XX/XX/XXXX I spoke with a representative from Credit Control Corporation, a third party debt collection agency. I requested a 30 verification of debt from an alleged non payment to XXXX XXXX. This did not get to my address recorded on file per a member of staff working for CCC named XXXX. XXXX was extremely rude and had a bad attitude for most of the call because she knew her organization was at wrong and attempted to raise her voice and intimidate me for the institutions incompetence. She stated on a recorded line that CCC received the mail back from USPS as a bad address. My mail is forwarded from that previous address to my new address, no problem in fact they sent me a separate debt for medical debt which I paid promptly after receiving correct verification. They are now reporting negatively against my credit. They are doing this after they have been made aware of the FDCPA violations. I spoke with a representative today on XX/XX/XXXX and I have not received any word from this institution. I would like a thorough investigation of FDCPA violations for this institution. I would like a letter of deletion from credit reporting and no further attempts to collect this alleged debt.
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX of 2017XX/XX/XXXX contacted me and informed me that my personal information had been affected in their data breach along with 143 million other consumers. My social security number, date of birth, address, drivers ' licenses number along with other personal information has been used to open several accounts in my name without my permission. This has mentally, and emotionally affected me as my personal credit and overall credit score has been damaged due to the error that XX/XX/XXXXallowed to take place. I asked for the companies to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. It has been well over 60 days and I have yet to receive legal debt validation. 

Section 609 of the " Fair Credit Reporting Act '' states that all companies must provide legal proof of all accounts listed on a consumers credit report. Not only do these accounts not belong to me, but these companies have failed to comply with the fair credit reporting act. I have provide a police report to this report.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

On XX/XX/2020 money was supposed to be deposited from the XXXX  XXXX company. the company deposited my sales into the wrong checking account. the bank did not return the funds to the XXXX  per a conversation with the bank manager XXXX of XXXX  illinois. Phone conversations time stamped and recorded back up this statement. 
As of XXXX XXXX  XXXX Funds have not been located after 7 hours of being put on hold and lied to by BMO harris bank. the negligence of stripe and BMO Harris is unacceptable. 
The amount of XXXX has been Hijacked by each company for over a day in which the funds are not lost but being misused. 
XXXX will not issue a manager to resolve the issue I have spoken to an XXXX, XXXX XXXX, and one other party that would not give his name. 
XXXX the manager at BMO Harris has mishandled the funds. Stating on his recorded line that his bank returned money that was sent to the wrong account. He has the trace Id number the same as stripe and refuses to conform to the returning of funds.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I had phone service with XXXX XXXX until XXXX of 2021. I called XXXX to cancel, I told them to cancel all lines, and send a final bill. I paid the final bill, and I have not received another bill from XXXX. 

XXXX sent an account to collections and is reporting on my credit report as in collections, without ever sending me any other bill. I called and spoke with XXXX and they said they " texted the bill '' to a number that was disconnected. I have asked them multiple times to send me an itemized bill, and they have not done so. 

I never received a bill, now it is on my credit report, and they are refusing to remove from my credit report, even if I pay the amount they are asking.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

In 2017 I was first made aware that a XXXX account was fraudulently opened in my name. The account was with XXXX XXXX at the time. I provided them and XXXX  with the necessary documents supporting my claim that this account was opened fraudulently. 

I recently checked my credit report and found that this account is back on my credit report again.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

I'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my ex husband has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made one.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank arranges deferred interest accounts on purchases and presents them as interest free if you pay off before the end of the promotion period. I used this to purchase my XXXX  XXXX on XX/XX/XXXX. This was a 12 month offer. As you can see from the statement I was down to a {$8.00} balance on the XXXX statement. For some reason which I can not remember now I did not make the XX/XX/XXXX payment. When I received my next statement I noticed the payment was not made and the balance had increased to {$17.00}. The statement said on the third line of the statement and at the bottom on the return stub the payment was due on XX/XX/XXXX. This is the usual place consumers look for due dates. 

Comenity Bank does 2 things which is deceptive to the consumer. The end of the promotion is before the due date on the statement. As you can see on this statement the promotion period ended 12 months from date of purchase so you do get 12 months of free interest. But most consumers will look at the date the payment is due as that is the more normal and expected way we do credit cards. This is a trap set up by Comenity and they don't care. I talked to several people and all they would say is '' the charge is legitimate '' I told them I would make a complaint and that did not bother them at all. I even paid the balance shown on the statement {$17.00} that says payment due by XX/XX/XXXX on XX/XX/XXXX and they still would not change.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (AZ)

I was misquoted mortgage refinance rate and fees associated with the residential transaction. When it came time to sign loan docs/application, the lender attempted to slip in {$3200.00} in " buy-down point fees '', not previously discussed. 

Unfortunately this feels like fraud and I wonder how many other people missed these fine print details and are now stuck with paying thousands of extra dollars on their mortgages.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I tried contacting New Rez Morgage who we have been with several years. I found out through family members we could refinance now under a government program because we owed less than {$300000.00}. We currently owe {$230000.00}. I tried contacting this comapany on website, email and phone call and it was nearly impossible to get a response. Finally, XXXX XXXX reached out to me and I asked if we could apply to refinance to get a lower interest rate & payment. He said, Yes. I also asked if we could get a deferrment of payments or a lower payment during this process because our income had been cut {$1000.00} monthly due to the COVID-19 pandemic. He said we couldn't do both???? and we began this long process of refinance. We have always paid our morgage on time, never have filed bankruptcy, and have fair to good credit. We want to know why this is taking so long as we continue to pay way more than we should be for our payment!
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I have been a Chase Sapphire Preferred card holder since XX/XX/XXXX with a credit limit of {$7000.00}. My payment history has been flawless, but at times my utilization has been high ( though never over my limit ). I have been working hard to improve my utilization for a year now, and in XX/XX/XXXX I paid off my balance in full. This action was met with an immediate credit limit reduction of {$3500.00}. The time has come for the annual fee on this card of {$95.00} due, however I do not feel the card benefits are worth it with such a low limit. I called to downgrade my card to one with no annual fee, but the bank will not allow it because they require a minimum limit of {$5000.00} to do so. Now, they say I have only three options : 1 ) pay the annual fee for the card I have with the limit as given, 2 ) pay off the card in full and close my account which will adversely affect the credit score I've worked so hard to improve or 3 ) authorize a hard inquiry to try to qualify for a limit increase to {$5000.00} despite the fact my approval odds are low which also will adversely affect my credit score.

I feel Chase Bank is practicing predatory lending and ensuring that I can't get ahead or improve my credit score unless I agree to continue paying them the annual fee. If this practice is not illegal, then it should be. As a consumer, I should have options to avoid fees without adversely affecting my credit. This honestly feels like extortion.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (NC)

I have contacted all of the credit bureaus, Midland Mortgage, MIDFIRST Bank and CFPB MULTIPLE TIMES OVER THE LAST THIRTHY DAYS. I realize that I am impatient but the application for both improved term and rate on 15 year VA IRRL refinance is time sensitive. 
It is apparent that none the agencies which are reporting inaccurate credit information on my credit file are reacting to my inquiries, as my Beacon score has reduced by 13 points in the last two days despite my total indebtedness decreasing by {$140000.00} or 27 %. 
This is a function of Midland Mortgage reporting my mortgage as 60 days late during the forbearance period permitted in XXXX and XX/XX/2020 and at the same time failing to appropriately report the closing and payoff of my {$140000.00} for 52 days after the payoff due to their sloth, malfeasance or both. 
I have called Midland Mortgage, XXXX, XXXX, and XXXX at least seven times in an effort to rectify these errors and all parties lay it at the feet of Midland Mortgage and MIDFIRST Bank who have refused to contact the credit reporting agencies directly to correct their errors.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

EXPERIAN is to use this complaint as official notice that EXPERIAN is now civilly liable by reporting XXXX I have issued a CEASE AND DESIST to XXXX and any communication is a violation of my consumer rights. EXPERIAN is to adhere to this CEASE AND DESIST or be prosecuted to the fullest extent of the law according to the FCRA.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp. (NC)

On Monday, XX/XX/XXXX I turned in my XXXX XXXX XXXX leased from XXXX XXXX prior to my lease termination date of XX/XX/XXXX. The vehicle was clean, free of damages and was serviced according to my lease agreement. My mileage at the end of the lease agreement was XXXX miles. I contacted XXXX XXXX about my end of lease options and was informed I would receive this in the mail. Upon my receipt of the billing I called XXXX about forgiveness of the end of lease fees since I turned the vehicle in early and they said they couldnt don anything about the end of lease cost even though they got the vehicle back early and I paid the final XXXX payment due on the vehicle. I even inquired after the pandemic struck the USA would they work with me to forgive the end of lease fee they refused. It appears at the end of XXXX they offered me to pay a lesser amount than the original {$400.00} they requested after I asked again to be forgiven the end of lease fees. I had been having some financial struggles and also dealing with XXXX  for XXXX XXXX and subsequently XXXX  XXXX to my XXXX XXXX. I felt that XXXX was not fair in their dealings with my request especially when they got the vehicle 30 days early and I paid the last month lease agreement of {$510.00}. Subsequently they sent my end of lease payment to XXXX a collections agency for the {$400.00} end of lease fees and reported a charge off to the credit bureaus saying I refused to pay the end of lease fees which was not factual as I had been in contact with them as agreed in my prior communications up until XXXX when I went to NY to deal with my XXXX  in my XXXX  resulting in XXXX. Now that Im home I contacted XXXX  asking them why they reported a charge of to the credit bureaus damaging my credit unfairly when I had communicated with them throughout XX/XX/XXXX to XX/XX/XXXX. I also paid XXXX the credit collection agency {$300.00} based on an agreement around XX/XX/XXXX. I only found out about the charge off because I was now able to purchase a vehicle after getting out of debt since the pandemic and did not repurchase from XXXX because of XXXX  poor customer service with my end of lease treatment.upon further reviewing their site I found this on their website dealing with end of lease options. Furthermore All my payments to XXXX were never delinquent that required my being reported to the credit bureau so why would I mess my credit at this juncture. Please see attached documents to support my claim.
Consumer complaint received 2022-11-30
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. (FL)

Account name : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXXO # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (SC)

I received a debt collector letter for XXXX XXXX. Ive never applied for a credit card from them. I did had identity theft happen to me years ago that ruined my credit and all. Im in need of help
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens One XXXX XXXX  is my lender. My business was shut down due to Covid-19. As a result, I missed 2 mortgage payments ( my payment due on XX/XX/2020 and my payment due on XX/XX/2020 ). Once my business opened back up I was able to make my payment due on XX/XX/2020. I have made all of my payments since. I am currently in forbearance. So I am not being foreclosed on due to my 2 missed payments. But I have been trying to contact my lender for 4 months to discuss a deferment of the 2 missed payments and possibly a loan modification. I have called multiple times. I am transferred to a representative fielding calls form an overseas call center. The representative is not able to provide assistance. The representative states that a Relationship Manager will call me back. No one ever calls. I have called them multiple times only to continue to get the same result. I am directed to a website that is of no use to me. Once logged in there is a phone number listed for my " relationship manager ''. The number is not in service. Relationship Manager Name : XXXX XXXX. Phone Number : XXXX. I am actively trying to resolve this issue with this lender and they are making it impossible to resolve. I can not speak to anyone who can help me. I go in circles and get the run-around constantly.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/2020 I tried to pay off the high interest balance on a card issued by Syncrony Bank. I was told that any thing over the regular payment will be applied to this balance. I made my regular payment and a couple days later paid another {$100.00} to pay off the high interest balance and what's left to apply to special promotional balance. We talked on the phone to make this arrangement. Then in XXXX, again in XXXX, in XXXX, XXXX and XXXX I have had this same conversation. Every time they tell me this is fixed. Every month the statement proves it is not. It is now XXXX. It is still on my statement. 

I need help getting this done. Please help me pay off the high interest portion of my bill.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...