davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
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. (AZ)

TransUnion had a computer glitch and inquiries were added on to my report. Transunion added the inquiries without sending me a written notice 5 days prior to re add them. I contacted Transunion in good faith to ask them to remove the inquiries that they illegally re-added. I took notes of everything that was said.I explained that the inquiries added a hardship and my rights have been violated. CFPB please help and stop letting Transunion from victimizing me.
Consumer complaint received 2017-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit System (    collecting for  XXXX  ) account #  XXXX  - states I owe {$380.00}. (  XXXX  )  XXXX  In    XXXX   XXXX   XXXX    I opened a cable account with  XXXX  for an extended cable package. My husband wanted a sport games Package. We went with  XXXX  because of this. The games were completely blurred out. We called often. There response was never timely. They had us reset our equipment and it would work for a day or  two. T hey sent service people out with no change. We checked Our premier channels and we were having the same problems. After 4 months we took the equipment back, paid what we owed and terminated the contract. We went with  XXXX   XXXX . That package was as pricey but they did deliver.  <P/> In   XXXX   XXXX   I discovered a negative reporting on my credit report. In  XXXX   XXXX   XXXX   XXXX   XXXX  reported I owed {$380.00}. I inquired and they sent a bill for {$440.00} In the bill {$240.00} was for early contract termination and the rest was for partial equipment not returned. In addition the bill reported payments paid for the last month we had service.  <P/> I called  XXXX  and they said the bill was too old for them to view. They suggested I travel to a payment center to see if they could pull it up. I asked for a supervisor because my work hours did not allow me to go to a payment center and I thought they could order the report or I  could FAX my b ill that  Southwest se nt and we could discuss. They transferred my call to a unit that resolved issues but the custo mer Rep  XXXX  said they probably had given us credits for when our service was out and that is all they would say. I could not get them to address anything on my bill, the early contract termination fee or the alleged partial equipment not returned. I did return all equipment. They kept reporting the bill was too old.  <P/> The issue was that my husband or I complained numerous times about our service. Yes they pro-rated us when we complained. However we did not receive the service we contracted for. After 4 months we terminated the contract. We did n't receive any bills from  XXXX , we had n't moved and over 3 years later  XXXX  reports to the credit bureau for a bill that consists of early termination fees and purported partial equipment return.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Chase has informed me that they plan to close one of my credit card accounts. This account has been inactive for quite sometime with a XXXX balance. They informed me when this card expires they will in fact close this account. The problem with this is when they do close this account this will cause a reduction in my FICO score, I 'm currently saving and planning to make a purchase of a new home. This FICO score drives the interest rate and my new payment amount. If chase should choose to close this account and my score decreases due to this it will cause a financial hardship to me and my family, costing me tens of thousands of dollars in a course of a 30 year note. This is assuming I can even get approved at that time due to this. I 'm bringing this up as many years back when the economy tanked I never missed any of my payments they decided to reduce my line of credits setting off a chain reaction of many of my accounts pulling back on my there line of credits too. This at time could have cost me my business however I was able to weather the storm and endure the added costs inflicted upon me and my family. I 'm attempting to be proactive this time with no plans to simply roll over on allowing the big banks to again damage me. It would be different if I was bad paying consumer however I have literally 20 plus years of perfect credit When I say perfect credit what I mean is never miss a payment never not fulfill a commitment. This is what used to count not inquires, closed or open accounts or age of those accounts.This FICO score is driven off many factors and when a bank decides to hurt me for doing nothing wrong it is not fair to the consumer. If I were to harm them by not paying them I would end up in court. The same should apply to them as they should be held to a higher standard. This information is in regards to account ending in XXXX.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Credit Card Account number ending in : XXXX  Bank of America Case number : XXXX Dispute charges {$97.00} and {$98.00} I ordered a sample of XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00} & {$4.00}, respectively, on XX/XX/XXXX online. But I recived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the same brand ( XXXX ) on the Ad. Please see the attached picture.
<P/>
This company is not selling XXXX product. Please see the XXXX website : XXXX XXXX XXXX XXXX XXXX is selling for {$19.00} in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife tried the two samples for a few days and she found that they are no good ; they make her skin too dry and tight. So, I called them and cancelled the orders at ( XXXX ) XXXX on XX/XX/XXXX and their customer service rep confirmed that my order was cancelled but she didnt give me any cancellation confirmation numbers.
<P/>
Their ad mentioned that I could cancel this order within 14 days after I received it and tried it. This is an online order but they didnt provide any way to cancel this order online and could only cancel via telephone. It took over 30 minutes to talk to their customer representative.
<P/>
After the cancellation, one month later I found that there were two charges, in the amount of {$97.00} & {$98.00} on my Bank of America credit card bill. I called them again to protest the said two charges but their representative informed me that my account had already been cancelled and refused to provide a return authorization and return address.
<P/>
So, I claimed the dispute of charges and called Bank of America to stop the charges because the items were not the same as the online ad. Also, I had already cancelled my future shipment within 14 days after the first shipment. They also didnt provide any terms and conditions when ordering the items nor in the shipment and no information on how to return the merchandise and receive a return authorization and did not provide a return address.
<P/>
Bank of America promised to investigate this issue, but Bank of America failed and refused to resolve this issue and charged {$97.00} & {$98.00} without investigation.
<P/>
Please take care of this dispute and get a refund for {$97.00} & XXXX. I look forward to a quick action.
<P/>
Thank you.
<P/>
Sincerely yours, XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-22
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-06-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Dream Center Education Holdings (MN)

I was lied to by a school recruiter named  XXXX   (   XXXX   XXXX   ) w hen I had inquired about going to college for an  XXXX  of  XXXX   XXXX  degree. He stated the amount of student loans I would need would be no more tha n 15K  when I was completely done and graduated. This amount was not even close to the amount it was (  XXXX  ) after completion. I would never have went back to college if I had known the truth about the costs, but I was lied to. I worked very hard at school and graduated with a high GPA. I graduated in  XXXX  with my degree and was super excited to get into the work force with a new career after having been a single mom for years and then a   XXXX   XXXX   XXXX   XXXX  . This degree offered me everything I always wanted for myself, for financial freedom, it meant the world to me. I spent 3 years looking for a job related to the degree I worked so hard for and I still look, there are no jobs for me to use this degree. I feel duped, lied to and used to make profit for the government. I was pressured to go to school " To make your children proud of their mom '' was what the recruiter  XXXX  said to me on the phone. Now I am in a situation in which I am in a pay according to my income, which is at the poverty line, it hurts my credit and the interest has it u p over 50 K  now. I have been frauded and knowing what I know now, there is no way I would have went to school. If you can not help me with this, please send to whatever department that can help me expunge this debt as it was under fraudulent means!
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX. Bank of America is closing my both business and personal accounts, when I should have direct deposit coming to my account this week, next week and in whole XXXX and XXXX. My Bank of America accounts are indicated for all ACH transfers. I cant change anything. 
Moreover, I am having XXXX wired to business account soon from my partner, another XXXX later in XXXX. Everything is set up, account, routing numbers and XXXX codes are sent. I cant change anything, besides I will look unprofessional. It is not a correct business ethic when business sends funds to its partner and money comes back, since partner 's account is closed. This is very bad for my business, I will probably loose my partners, loose my business, business gets damaged, loose XXXX USD that I could earn, then pay taxes to government which then will be used for social-related purposes, curing sicked people, financially supporting people in need etc. All these are for good intentions. And all these are connected which each other. 

Please and please dont close my account, which will obviously lead to the fact that business gets damaged, less taxes I will pay or even will not be able to pay, less people in need are supported by government and there is even high possibility that people in need may increase by one - me. 
SSN : XXXX Thank You for understanding.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sentry Recovery and Collections, Inc. (FL)

Sentry recover XXXX promised to remove collection account completely from my credit reports and it still shows on the transunion credit report. I have tried numerous times to contact the company as well as dispute it with the credit reporting agency to no avail.
Consumer complaint received 2016-08-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (TX)

The Representative - XXXX XXXX for Integrative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct. 

He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before. 

The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

I would like to dispute Compass Bank and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a Compass XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local Compass Branch and asked how to proceed. The teller told me to deposit the check to my Compass Checking account and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account. 

A few days later I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a Compass Branch. 

I respect Compass decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately.
Consumer complaint received 2016-08-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CT)

This is my second complaint. TD Bank continues reduce my credit limit after I make large payments. My credit limit was originally approved for {$8000.00} then reduced to {$5000.00} now it is reduced for {$4000.00}. 

I am being penalized for paying off my loan early. In addition, they do not communicate the change in credit line on my statement, in a letter or email. In fact they have removed my credit limit line item on my statement. It always states zero now. 

They are negatively impacting my credit score when in fact it should be positively impacting my credit score.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (NY)

I try to login to XXXX XXXX  XXXX ( Blackhawk Network ) to check my gift card wallet balance, I get an error message. It is the same error message for the past month. I have prepaid/gift cards in my virtual wallet online that I can access or look up. It is incredibly frustrating because I do n't have all of my gift card numbers on me physically, but I do have them on XXXX XXXX XXXX ( then going to log in instead of registering ). I ca n't login and have tried calling them numerous times but the company still says they are still working on it. I need to access these funds and check my balances but I ca n't because they have neglected their websites and their clientele.
Consumer complaint received 2017-06-04
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. (PR)

In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus.  Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the   XXXX     XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they decl ined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
Consumer complaint received 2016-04-20
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.