davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
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. (CA)

Since XXXX of 2018, my credit score has been wrongfully dropping every single month due to the wrong information on my XXXX loan. XXXX has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.
Consumer complaint received 2022-11-29
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: VEROS CREDIT, LLC. (NC)

i was pre approved, approved, for multiple vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
Consumer complaint received 2022-02-03
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

I went to a branch to deposit my check on XX/XX/XXXX with a teller and have had delays with my check due to what I believe was discrimination and retaliation. On the date of XX/XX/XXXX, I had a bank teller problem where she had treated me unfairly and I think she retaliated against me by " delaying '' my transaction and causing my funds to take longer than normal. It's been as of today ( XX/XX/XXXX ) that my check has still not cleared yet with the bank and I've called XXXX and XXXX to get a clear understanding of the hold time. The first customer service agent I've spoke to told me it was the branch that has the power to clear and hold a check longer than normal, then the second customer service ( on a different day ) told me it was their system that determines this which she said was too long because, and I agree with this being 11 days already. Now, before the institute responds with a rehears line, I've always deposit this financial institute check before for many years with US Bank and this check is a well established company ( XXXXXXXX XXXX ) that I have had for over 5 years as well, and this check was about the same amount as prior check amounts ( under {$1000.00} ) and I've never had a check bounce, decline or suspiciousness with a check nor my account. I've never had an overdraft or any fraud related suspicious activity with my 10 plus years with this bank. All of my accounts with US Bank is, and has been in excellent standings prior to this teller encounters which is why I believe was an act of retaliation and discrimination on that date and a person like her should not be in the banking profession mishandling Federal currencies any way she feels when she get upset with a customer. This 11 day hold is unreasonable and unprofessional when my checks always is 2-4 days ( at least from XXXXXXXX XXXX of a hold. And strangely this teller withheld my funds doing such a tragic event in world history that I guess she thought I would be like most and in dire need of money to survive during this pandemic.
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX when a financial company ran my credit report at my request I found out that MIDLAND FUNDING is claming that I owe them money and I reporting a collection on my credit report. I was told that MIDLAND FUNDING is a collection agency who usually handles XXXX XXXX. They're stating that collection account was opened on XX/XX/XXXX on the amount of {$420.00}. During all these years I never received any letters, any phone calls or any form of communication from this company in their attempt to collect the alledged debt from me. All these years I was fully covered by the medical insurance provided by my employer and prior to that I was under Medical. I am unable to provide any letters to support my claim since MIDLAND FUNDING never made any attempt to contact me. This company made no attempt to reach out to me since this is not my account and they are wronfully reporting this on my credit. They are predators taking advantage of people like me who do not know how and that they can fight back.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i filed report XXXX with ftc reporting fraud i need you guy to delete all the hard inquirys from my report i filed report what else do i have to do thanks
Consumer complaint received 2022-05-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

CCS Collection at XXXX XXXX XXXX, MA XXXX has been sending me collection notices in the amount {$190.00} the collection has been reported as pasted due balance i do not know this company i have never done any business with this company this company does not have a contact with my signature
Consumer complaint received 2022-09-26
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: Bread Financial Holdings, Inc. (IL)

It has been 114 days since Comenity Bank has rewarded any of its customers with their reward points due to some update that prevents them from doing it. 

Theyve made little to no communication on it, only state theyre working on it, and have no evidence of such. 

Do not use any card serviced by this bank. They do not care.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MS)

There are 2 issues that I have discovered. 

Issue # XXXX. I did 3 internal transfers from one account to another for a large enough amount to cover charges that were made that day. At least 2, if not all 3 of the transfers were done before their XXXXXXXX XXXX cutoff. The first 2 were enough to cover all pending charges. The third was just to add a " padding '' until a regular deposit would be made on the next day. The next day, I saw 2 overdraft fees had been charged even though the balance was more than enough to cover all the transactions and the 3 transfers made the day before had posted that same night, proving they were made before the XXXXXXXX XXXX cutoff. When I contacted the bank, I was told that those last 2 charges were made when there were not enough funds in the account to cover them and that's why the overdraft was charged, that they were " pending '' and there were insufficient funds, so the overdraft fees were charged. I questioned them and advised that ( XXXX ) they can not charge overdraft charges on an amount that has not actually posted, and ( XXXX ) due to the internal transfers, that were also pending, and posted the same night, there were enough funds to cover the transactions. After dealing with 3 reps and 2 supervisors, I FINALLY got my XXXX refunded. The first 2 reps and supervisor could not ( would not ) get that what happened was wrong. 

Issue # XXXX - There was no overdraft based on my own charges. What cleared the night of the XXXX left me with a positive balance. Yes, there were pending transactions, but again, they were PENDING. They charged a {$36.00} overdraft fee when the balance in the account was positive and THEY caused it to go into overdraft with their fee. When I questioned it, they wouldn't even entertain refunding that to me as well. I have NO clue why, other than they were trying to charge a fee due to a pending transaction that ended up not even posting until the NEXT night.
Consumer complaint received 2022-02-03
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. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-07
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: LEXISNEXIS (DE)

The 3 credit bureaus XXXX XXXX and XXXX, continue to report personal information without written consents even after multiple attempts to remind them about security freezes on these accounts and//or profiles of me contained in their files or databases. I am kindly asking you as a government trusted agency to protect consumers and how information is used by these entities whether legally or illegally.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

Bait & Switch. 
XX/XX/2019 due to the onset of the pandemic. I received mailing from XXXX  For hardship due to covid-19. An option was to refinance through XXXX or another bank. I chose XXXX since. I'm already a customer. For two years I asked for a manager or supervisorexplain the terms. 

To help me get refinancing. I was told to keep paying my mortgage payments. Then, I was told to stop making my payments for 3 months. So that, my loan could be modified. I repeated that, I just wanted to refinance. To lower my interest rate. National average was btwn 2-3 %. 

Finally, I received a packet to modify my loan. The mortgage payment was lowered. Not the interest rate. Additionally, the life of the loan was extended another 10 years! Again asked for a manager or supervisor. 

This goes on for years .... I get a call later saying, they stopped refinancing. BUT 2 days later. I get another brochure from them say that, I can refinance through them. I was offered yet, another modification. To but me, in deferment again, paying an additional {$100.00} more for 40 years. I asked, again about a lowered rate. I was then hit with you owe XXXX. 

Then following week with a counselor on the line. They told me, I now owe XXXX? HELP ME! THANKS
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (KS)

Equifax continues to keep updated my account with Collections that are showing a XX/XX/XXXX balance or a collection that has already been reported. Everytime they do this my credit score is affected and decreases. They just reported a collection that was already reported on XXXX XXXX XXXX again on XX/XX/XXXX. This caused my credit score to drop 33 points I contacted the collection agency XXXX XXXX XXXX and they claim they have sent nothing to Equifax. Equifax also added 3 other collection accounts to my credit report 3 weeks ago which caused my score to drop 66 points. I contacted all 3 collection agencies and they all replied that I have a XXXX balance and they did not contact Equifax. Equifax refuses to remove these negative items from my credit report causing jeopardy to my new mortgage application. I have tried contacting them by phone and email. The one time they did answer they instructed me that I had to put base a credit report from them to discuss the negative information they reported.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MS)

The original debt is with XXXX XXXX, the collector is Midland Credit Management. I told them I would not give out my banking information over the phone and they stated XXXX XXXX had given them my bank account information without my consent and all I had to do was say yes and they would draft my account. If this is not illegal it should be. No company should have my bank account information without my consent.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Original XXXXreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; ( Original Creditor : ) XXXX  XXXX Balance : {$35.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$33.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$35.00}.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

On XXXX XXXXXXXX XXXX, my account with Goldman Sachs ending in XXXX was closed. A dispute was opened on XXXX XXXX XXXX but the dispute was reversed after the account was closed. I have received an egregious number of emails stating that I still owed. 
However, per the conversation with Customer Service Rep Apple Card account on XX/XX/2023 payment made for XXXX from XXXX XXXX XXXX XXXX Transaction number is being sent via email as per XXXX EmpID # employee didnt confirm nor supply her employment number. Stated the account was paid in full and was closed. Service Rep fail to confirm if any other disputes charges or transactions occurred. On XX/XX/2023, after the account was closed. Notification was received stating a total of XXXX was due. I'm requesting to have investigation launched to find out why the account is being collected on and they are lowering my credit score. I am being targeted as in spite of retaliation because I no further want to conduct business with this bank. I have told them on several occasions not to contact me.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OK)

Chase offered a 0 % balance transfer option. However, they have continued to charge interest on various portions of the balance, without fully disclosing their practices. Their procedures for applying payments and credits to the various balances clearly evidence bad faith, and constitute unjust enrichment. 

Example 1 : Charges for disputed transactions are applied to a full interest rate transaction. There is no way for the consumer to remove the accruing interest until the account is paid in full. Even when the disputed transaction is refunded ( within the grace period ), or, when thousands of dollars over the minimum payment are made on the account.

Example 2 : Charges for an " annual fee '' are applied to the account and to a full interest rate transaction. There is no way for the consumer to remove the accruing interest rate until the account is paid in full. Even when 1 ) The promotion offer that promises 0 % interest is over 1 year in length, which constitutes false advertising for a 0 % rate when the annual fee then accrues interest over the 0 % offer period, 2 ) The annual fee is waived by the company, 3 ) when thousands of dollars over the minimum payment are made on the account.

Example 3 : Portions of charges are applied to a " cash advance '' interest rate when no such transaction took place. There is no way for the consumer to remove the accruing interest until the account is paid in full.
Consumer complaint received 2024-11-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I did a loss mitigation with Flagstar Bank in hopes to lower my payment because the payment was high and was struggling to make the payment onetime. So Flagstar Bank did a modification so high in hoping i give up my home.They Raised my rates astronomically and gave me a take it or lose your home ultimatum. Fearing in losing my home i signed the paper and hoping to make the payment on a timely manner, however they amount they having me pay is unbearable. So, i received a letter today saying I'm in default and if i dont pay it they will take my home away from. I don't understand how are you supposed to help get my payment lower but made it higher, knowing we are trying to get back on our feet. I can't sleep at night because i don't know if I'm going to lose my house. I'm having XXXX XXXX, and my XXXX XXXX is so high I'm constantly getting headache. I just want my payment to be where they were prior to their ridiculous rate increase. I want to payment bill however, when you're doing XXXX  tactics in hoping to me losing my home is crazy. I want to work something out Flagstar Bank, I just want it to be fair and reasonable.
Consumer complaint received 2021-06-18
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. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.