davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX AND XXXX XXXXXXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY XXXX  DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... XXXX REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX  FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT DOCUMENTATIOM THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

This loan was created in XX/XX/2021 under misguidance and fraudulent terms. During the duration of the loan, upon my making monthly payments, there were multiple accounts with this creditor created in my name, without my consent. I have on document multiple account numbers for the same loan. In addition, I signed the original contract with TitleMax, but documentation notes that the contract is with XXXX XXXX, XXXX. and another agency. The TitleMax Manager that created my contract noted my physical appearance, height, weight, nationality, etc illegally. I did not consent nor did I volunteer this information. 

When I learned of these and other discrepancies, I immediately requested each contract signed because I had never received them. In addition, I mailed certified documentation noting that I was opting-out of their arbitration clause as instructed in the contract. I did also mention that I was in pursuit of legal assistance to resolve the matter. 

After some time, perhaps a few weeks after I refused to make payment and pursue it legally, a legal team director, I believe called me and offer a settlement of {$8500.00} within a couple weeks time. I told him that I would need some time to get back to him on the timing and amount. 

I did not call him back until the day I was to sell my vehicle. He told me that after our first conversation, he submitted documentation that I had agreed to his quote. I never agreed. 

I was prepared to sell my vehicle and pay cash to end the loan, however the entire company stalled when I asked for a Payoff Agreement. I could get no resolve from store management, neither the legal team director in Ohio. They stalled for time over and over again, and mislead me in order to further stress the situation and exhaust the last day before they'd repo. They did not want my money. They wanted my vehicle. 

In the end the payout paid was {$8600.00}. I'd also paid a few monthly payments of $ XXXX.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

We requested an appraisal of our home to potentially remove the Private Mortgage Insurance requirement since we believe our home value is below 80 %. We paid US Bank {$450.00} for the appraisal. While the appraiser was in our home they asked what the appraisal was for which we responding the removal of PMI. The appraiser then asked if what we needed the appraisal to come in at, we responded with at least {$430000.00}. We felt a little uncomfortable by that question, but waited until we got the results from the appraisal. We received the appraisal back on XXXX which showed a home value at {$420000.00}. {$420000.00} was the same value as a smaller home that had been sold on our same street many months prior to the appraisal ( homes in our area have continued to increase in value ). We called that day and US Bank said we needed to wait for a letter back. We received the first letter Dated XX/XX/XXXX notifying us that the LTV requirement wasn't met and we could file a reconsideration of value request and send it back. We filled out the included forms and wrote a letter back ( attached as Appraisal ) and place in the mail on XX/XX/XXXX. We hadn't heard anything back, so we called back at the end of XXXX. The rep told us they were still reviewing it, but that we could also email them. We then called back a week later and the rep said we didn't respond in time. When we emailed the letter it had been 63 days since the date of the appraisal and needed to be within 60 days. After speaking with a senior representative they were able to find the original letter which they received on XX/XX/XXXX. The senior rep said they would reopen the reconsideration of value. Since that conversation, I received a letter dated XXXX that stated I didn't respond in time and a second letter date XX/XX/XXXX which was the same as the original reconsideration of value letter dated XX/XX/XXXX. I called US Bank and the first representative stated that my request was denied. I then spoke to a second senior rep who said they had mislabeled my original letter and they would be reopening and reconsidering the request.
Consumer complaint received 2022-06-25
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from my credit report
Consumer complaint received 2022-10-13
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)

I'm currently in XXXX XXXX XXXX on vacation. Today 's date is XXXX, XX/XX/2022. I was located at XXXX XXXX from XX/XX/XXXX to XX/XX/2022. 

XX/XX/2022, I paid off the balance on my credit card {$680.00}. XX/XX/XXXXXXXX XXXX XXXX charged my card for services. XX/XX/XXXX Experian XXXX XXXX took XXXX points away from my credit score MY CREDIT CARD IS DUE XX/XX/XXXX! 

I paid off my credit card on XX/XX/XXXX Experian XXXX XXXX had no legitimate reason to decrease my credit from XXXX to XXXX. My credit card payment is due on XX/XX/XXXX .... 

Please investigate this issue. 
XXXX. XX/XX/XXXX I paid off the balance on my credit card {$680.00} XXXX. XX/XX/XXXX Viva Safaris charged my card for services used a XXXX XXXX. XX/XX/XXXX Experian XXXX XXXX decreased my CREDIT SCORE from XXXX to XXXX XXXX. My payment is due XX/XX/2022 This business practice is discrimination against me! My credit card payment is due XX/XX/2022. There's no legitimate reason to DECREASE my credit score. I paid off my credit card on XX/XX/XXXX. 
XX/XX/XXXX my credit score was decrease by XXXX points! 

I have always paid each credit card off each month. Please investigate this matter Experian.. 

MY CREDIT SCORE SHOULD NOT HAVE BEEN DECREASED. I PAID OFF MY CREDIT CARD XX/XX/2022. 

My credit card is due XX/XX/2022 XXXX
Consumer complaint received 2022-08-14
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. (AZ)

There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or XXXX.
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (GA)

My XXXX and I had reached out to NewRez in XXXX about our appraisal on our property in XXXX. We originally purchased the home for {$250000.00} ( with an appraised value of {$260000.00} ) - it is now valued at {$340000.00} leaving us with {$110000.00} in our home, about XXXX % which very much surpasses the XXXX % ratio. 

It's been confirmed by NewRez 's representative that the appraisal has been seen over their recorded line and they have pushed off granting us our PMI release which I believe to be a violation of the Homeowners Protect Act of 1998.
Consumer complaint received 2022-08-14
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. (TX)

I, XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I sent out a letter to kindly ask all XXXX credit beaures to verify a credit report which it came back as accurate. I also did a a very good research on my own on my credit report just to find out that the information these credit beaures say its accurate was improper and inaccurate credit report. The Account is as follows. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX I have also attached files below incluidng me sending out certified first class letters to these beaures.
Consumer complaint received 2022-11-21
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. (NV)

Beginning in XXXX of 2022 I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie Experian, XXXX and XXXX. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had two credit cards with Capital One, each with a {$500.00} limit. The limit was never exceeded, and each month the payment was made in full. After about 5 months of having the cards ( or less? ) Capital One closed both of my accounts in XX/XX/2022. 

I looked up the cardmember agreement, it says it can close accounts for any reasoner permitted by law. I don't know what the reason was, as when I called they would not tell me. 

Even when the accounts were closed I payed the remaining balance in full, immediately. 

When Capital One closed my accounts, they reported it to the credit bureaus and because it was card issuer closing of the account it brought my credit score from XXXX to XXXX! Now I can not get any credit card anywhere! 

This is not how companies should be allowed to do business.
Consumer complaint received 2022-05-16
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: JPMORGAN CHASE & CO. (MO)

Chase XXXX XXXX XXXX Chase XXXX offered a XXXX XXXX XXXX offering {$30.00} back if the card holder spends {$40.00} or more. On XX/XX/XXXX, I spent {$43.00} on XXXX XXXX but the promotion was not honored. I've attached the promotion and my XXXX XXXX billing history detailing. Below you will find my interactions with Chase XXXX trying to resolve the matter. 
XX/XX/XXXX spoke with XXXX and she said it was going in the right direction and would be honored, said give it until XX/XX/XXXX before following up. 
XX/XX/XXXX Spoke with XXXX about Chase XXXX XXXX charge of {$43.00} on XX/XX/XXXX, promo was spend XXXX or more receive XXXX back, XXXX said she would send to marketing/promo department and they would get back to me in XXXX days. XXXX stated it was going to be honored. 
XX/XX/XXXX XXXX XX/XX/XXXX a case was created, still being worked by back office, turnaround is up to 14 days with weekends could be XX/XX/XXXX XX/XX/XXXX XXXX- a letter has been sent over providing the response that it would not be honored and this was decided back on XX/XX/XXXX and didn't know why XXXX would have told me otherwise. XXXX sent me back to the general routing and I had to wait for a new agent. 
- XXXX XXXX - offer for " XXXX prepaid services '' but this promotion has limited information in the system that she can access. She said they have mailed me a letter, but I have not received as of XX/XX/XXXX. 
- Sent to supervisor and the wait was greater than XXXX XXXX call took over an hour - XXXX - can not be able to see the promotion, the reason for denial is that on their system, charge does not show as being prepaid, does not meet because the charge did not come through as a XXXX prepaid service, escalation has already been completed. They do not review what actually happened, they only review what their system states. Then she asked, " Anything else? '' This call on XX/XX/XXXX took XXXX hour and XXXX minutes and represents a bait and switch which is the action ( generally illegal ) of advertising goods which are an apparent bargain or promotion, with no intention of honoring.
Consumer complaint received 2022-08-14
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. (VA)

XXXX XXXX XXXX XXXX XX/XX/2022 inquiry on my credit file I have not applied for anything with company. This inquiry is unauthorized. Please remove from credit profile and or delete from credit report
Consumer complaint received 2022-08-21
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)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX mortgage, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXXe
Consumer complaint received 2022-05-06
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX  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 2022-11-21
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: ENOVA INTERNATIONAL, INC. (KY)

Hello, I received an email on XX/XX/22 stating that I applied for a installment/payday loan with Netcredit.com. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XX/XX/22. I received an email today XX/XX/22, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.
Consumer complaint received 2022-01-20
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. (GA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I lost my cell phone in a XXXX XXXX  on XX/XX/XXXX. I had my carrier turn the cell phone off, but the wifi functions were still active. Transactions began to be transferred or withdrawn from my bank and my PayPal accounts. My bank stopped the charges and made a partial refund, but PayPal refused to acknowledge the transactions as unauthorized. I have been wiped out. I had a business account under one email address with PayPal for XXXX XXXX XXXX XXXX  : XX/XX/2022 Instant Withdraw to Debit Card Completed- {$790.00} XXXX XXXX second account was for person business only, under a second address : XX/XX/2022 Paid with PayPal XXXX XXXX XXXX - {$430.00} XXXX Transaction ID XXXX Seller info XXXX XXXX XXXXXX/XX/2022 Paid with PayPal XXXX XXXX XXXX - {$240.00} XXXX  Transaction ID XXXX Seller info XXXX I reported these transactions within 48 business hours as specified in the PayPal Terms and Conditions with PayPal refusing to return the funds. I have since closed these accounts and deleted the cards associated with them. I need help.
Consumer complaint received 2022-05-06
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: Phoenix Financial Services LLC (WY)

PHOENIX FINANCIAL SERV at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : PHOENIX FINANCIAL SERV, and PHOENIX FINANCIAL SERVICES, 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 2022-05-16
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. (NE)

I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a XXXX loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years in prison for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.