davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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. (CO)

XXXX XXXX XXXX  XXXX auto loan opened XX/XX/XXXX amount charged off {$4500.00} and written off {$5400.00} account charged off XX/XX/XXXX no payments due no monthly payments in accordance with the fair credit reporting act 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 2023-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hello Sir/Madam, I received a letter mail from Chase on XX/XX/2023 that they decided to close the checking account and one of chase credit card by XXXX 2023. I have been using the checking account for more than 10 years and have been loyal customer to chase. I don't understand why all of a sudden they are closing my accounts. I have called Chase and they couldn't give me an answer as well. My transactions are very normal as usual, normal direct deposit, normal transactions. They are closing my accounts without giving any reasons. I only have one account, now I have to open others and try to move things fast to move the money out of Chase. This is just so insane, I need to complain on their service to treating a loyal customer like this!!!!
Consumer complaint received 2023-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (TX)

I had a personal loan with Upgrade.com, with a balance of {$7400.00}. My bank ( XXXXXXXX XXXX ) issued a check to pay the loan off on XX/XX/2023. I have proof of deliver Upgrade.com received the check on XX/XX/2023. I have reached out to Upgrade.com on four occasions inquiring why my account has not been credited. Today, I received an email from Upgrade.com stating " We apologize ; however, our records do not indicate that a check payment is on file. Please understand that when a check is sent by mail, the processing timeframe will be about 10 to 14 business days, which includes mail transit times and processing once received. We will backdate the payment to the date that we received the check if not processed the same day.

If this timeframe has surpassed the normal processing timeframe, please contact your credit card company, lender, or bank to request the check information and deposit details. '' I have contacted my bank, XXXXXXXX XXXX asking them to stop payment on the check and return the {$7400.00} funds to my checking account in order for me to make the payment electronically. 

My complaint is in regards to Upgrade.com not taking action to locate the check, even though I provided a ) proof of deliver and b ) a copy of the check.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

Lexis Nexis sent a public record of a bankruptcy to the credit bureaus and are now stating this public record has been removed from my consumer report. I requested to review my updated consumer report and in XX/XX/2022 Lexis nexis sent me a letter with a pin to access the reort and the PIN didnt work. I called and spoke with a rep at lexis nexis and she was going to mail me another letter with a pin. XXXX I received a letter again with an incorrect PIN so I have not been able to access my consumer report to verify the public record has been removed.
Consumer complaint received 2022-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  XXXX  Date of inquiry : XX/XX/2021 This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I submited XXXX claims for XXXX transactions on the same store, all those claims are being handling by different procedures, persons or departments, because all of them have different results. I submitted another claim with the CFBP under this claim number XXXX and was approved by the bank. 
Now Im submitting this claim for the same reason than the last one, the bank closed the claim without any letter or explanation and removing the provisional credit. 
Wellsfargo case XXXX XXXX for an ammount of {$1000.00} I made the purchase a XXXX XXXX on XX/XX/XXXX, but the seller never sent the product, also never provided the tracking number or any kind of shipment information.
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-07-16
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. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-05-21
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. (AZ)

Thanks for your help in getting this resolved. My credit report is 100 % unblemished aside from this dispute. XXXX has elected to destroy my credit rating over a {$150.00} loan payment from XXXX, XXXX that should have been in forbearance since XXXX XXXX. 

I have repeatedly and sincerely asked XXXX to please update the payment status of my loans from XXXX, XXXX in their records, and to the credit reporting agencies, as on-time or some other non-negative status. They have repeatedly sent me conflicting reasons, denials, and excuses for not updating my payment statuses, of which I have documentation. 

My student loan payments with XXXX were supposed to be on an income driven payment plan as I re-certified this plan in XXXX XXXX, I have ample documentation of my efforts to re-certify from the time. I mailed in all the necessary documents just like I did in XXXX and XXXX never processed my paperwork. The payment amount was supposed to be XXXX. I mailed in documents after submitting my application. Instead of processing my forbearance plan, they began billing me without my knowledge. I do not understand, and still have not been given a reason, why my paperwork was not handled in XXXX, even though I had no issues in XXXX. My sense is they lost my application and are now refusing to take responsibility while simultaneously accusing me of not paying my loans. I absolutely take responsibility for my loans and would never have knowingly paid them late and I 100 % dispute the characterization of my payments as late. 

XXXX reported me to credit agencies without properly informing me that I was being billed or that my repayment plan application was rejected. I paid the due payment the moment I knew about it and now I just want the record to show I was NOT paying late ; I didn't know I had a bill due and would never have waited to pay. 

I am sincerely asking you guys to please help force XXXX to update the payment status of my loans from XXXX, XXXX in their records, AND to the credit reporting agencies, as on-time or some other non-negative status. I paid the due amount the moment I learned about it and have made no other errors with these loans throughout the 6 year life of these loans. I'm am traumatized that I would be treated like this after all my good faith actions and patience in trying to get this resolved. 

Attached supporting documents are chronological receipts of actions from XXXX XXXX that I followed to a " t '' to complete my re-certification plan. I did everything necessary and was never sent any indication that my plan was not accepted. 

Please let me know anything you need to get this fixed. I appreciate you guys handling my request.
Consumer complaint received 2021-07-15
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. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

Money was taken out of my account at a time before XXXX from a person or merchant in the amount of XXXX, I recieved at the time XXXX or so a month to live on from SSI.and it obvios this guy new how to milk a card and my bank or the fruad department they sent me three different letters the first time all saying different things. The little information I could get from the bank did not in fact come from the fruad department as to this day not one of them has taken my phone calls Just on hold for hours and hang up. I have texted the so called merchant with no response as well. I want real legal action and people who are clearly incompetent should be fired the Bank is Direct Express a branch f of Comerica. It's wonderful to be ignored like that.
Consumer complaint received 2022-07-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

We refinanced our home with this company a month after closing we get a call from our broker saying that their underwriter made a mistake and the FHA doesn't accept the type of flood insurance that we bought in the loan application process out of respect to this loan officer we said ok he recommended an insurance agent that we used our new policy was around {$1000.00} more we paid it in full another XXXX weeks we started getting calls that the payment is going to be more and that I need to sign more papers so the price of the policy can go into escrow I told them that was not right and there should be no more signing after the closing, they kept calling and sending me XXXX  XXXX with documents to sign then a supervisor with them call he respectfully said that that was an FHA requirement so I asked him but I paid for the policy for a year why should I pay it over again I even offered to pay for another year so my monthly payment doesn't go up he said no it's required by FHA come to find out that is not true also in 3 months I paid OFF more than XXXX of balance not payments but that have not been reported as making payments on time I was intimated by fearing for my house into signing for the payment broker company name is silverton mortgage supervisor name XXXX XXXX
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (MD)

I disputed my final XXXX XXXX XXXX ( after XXXX years of service ) when I terminated my account on XX/XX/XXXX because they refused to provide a prorated amount based on date of cancelled service. They continued to bill for the entire month of service XX/XX/XXXX - XX/XX/XXXX, even though my account was cancelled and transferred to another XXXX on XX/XX/XXXX. XXXX turned over the debt to a debt collector XXXX, XXXX in XX/XX/XXXX. I submitted a partial payment for the period of time I had service. This payment was refused because it was not for the entire amount shown. I continued to dispute the debt withXXXX, XXXX and refused to pay. I provided copies of bills showing the billing period and asked them to go back to XXXX and have them provide to me in writing why these charges were valid. XXXX, XXXX notified me stating " the client '' has not changed their position. I then received a new notification from a new debt collector McCarthy, Burgess and Wolff the end of XX/XX/XXXX, starting the debt collection process all over again. I paid the bill in full because I no longer want to be bullied or harassed by XXXX or any company representing them. I submitted a letter to McCarthy, Burgess and Wolff stating the payment was under protest and I provided all back up documentation again, showing the bill in question and when the services were terminated. XXXX XXXX is a bully and their customer service is non existent. I am appalled that they can get away with this type of behavior. I have always paid my bills on time. I feel violated that my only course of action was to pay a debt that I do not owe in order to have this matter settled.
Consumer complaint received 2022-07-16
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)

I did not give TransUnion oral or written permission to furnish this information on my consumer report. This has caused undue stress upon me and as a XXXX, I have medical conditions that can be triggered by stress.
Consumer complaint received 2020-08-04
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: EQUIFAX, INC. (OH)

I spoke with an Equifax representative with a reference ID of XXXX XXXX on XX/XX/XXXX, at XXXX EST. 
The conversation was regarding a debt that has been paid on my account which Equifax refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXX.The creditor claims they shared the information with Equifax on XX/XX/XXXX. Equifax claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is XXXX XXXX XXXX XXXX. Here is their link. XXXX XXXX XXXX The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to Equifax on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with Equifax. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. Thank you.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (TX)

Under the FCRA all credit agencies must furnish a consistent and fair credit report. upon reviewing my file i show several inconsistencies among the agencies and i've tried disputing separately but the agencies refuse to correct errors on my report.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Great American Finance Co (NJ)

Original balance was {$1800.00}. After a few months, balance was sitting at {$4400.00}. Store and finance company were in cahoot. This all started in XX/XX/2015. and up to now they still run my credit for updates.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-15
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)

I never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.