davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (NC)

I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CO)

PNC Mortgage has failed to respond to multiple requests for information regarding a loss claim filed for a roof repaired from hail damage. The initial check was sent from the insurance company to PNC, however, nothing was ever mentioned and the check was deposited into escrow. Additional documents were required to complete the claim and release the funds to the contractor. However, notification was never provided. It should be noted that the funds were sent to PNC in late XXXX XXXX early XXXX XXXX. Notification was not received until the contractor threated to place a lien against my property for failure to receive payment. I have tried on multiple occasions to contact PNC to confirm that all documents have been received and the funds can be released. After waiting on hold for 30 minutes or more on each occasion, an operator would state that all circuits are busy and disconnect the call. The functionally to leave a message is offered every XXXX3 minutes while on hold ; however, when I would press zero to leave a message, the call would remain active and I will remain on hold.
Consumer complaint received 2016-04-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MI)

On XXXX XXXX I went to the grocery store, pulled out my phone bank app, checked my balance and bought groceries for XXXX It showed I still had XXXX left. 
Next day I got an overdraft fee and the bank said it covered the transaction even when I do n't authorize them to cover transactions for me in my settings. 
I transferred funds to cover the overdraft over the weekend. 
They put a {$35.00} fee and bounced another transaction for me. 
They absolutely refuse to refund the fee and are holding my account hostage in the negative. They are going to start raping it this week. Then they 're going to send me to collections and ruin my credit. The overdraft in my account is exactly the amount of their fee. I 've covered all my overdrafts and paid all my vendors.
Consumer complaint received 2024-10-25
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I am writing to you regarding case number : XXXX ], which was closed by another investigative agency. Despite my repeated attempts to resolve this situation through phone calls, emails, and visits to the XXXX XXXX XXXX XXXX XXXX, I have not received a satisfactory solution. 

I have been informed of a record of a 30-day late payment, dated XX/XX/year>. This notification was not provided within the required 21-day timeframe as stipulated in Section 623 of the Fair Credit Reporting Act ( FCRA ). Additionally, the confirmation of a malfunction in their payment system indicates that the responsibility lies with the banking institution. 

Given the significant impact this situation has had on my financial and emotional well-being, I formally request the removal of this late payment record. I am prepared to present a history of evidence to support my request. 

If appropriate measures are not taken to resolve this matter, I will be forced to consider legal action to protect my rights and demonstrate that the responsibility for this issue lies with the banking institution. 

I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2024-10-25
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. (GA)

On XX/XX/XXXX, I noticed a hard inquiry on my TransUnion credit report from XXXX  XXXX labeled as " Bank Credit Cards. '' I did not authorize this inquiry, nor have I applied for any credit with XXXX XXXX. 

On XX/XX/XXXX, I found another unauthorized hard inquiry from XXXX XXXX XXXX under " Auto Dealers, New '' on my credit report. Similar to the previous inquiry, I did not apply for any credit or services with this dealership. 

I have contacted TransUnion to dispute both inquiries, but the issue remains unresolved. I am concerned that these unauthorized inquiries may be related to identity theft or an error in the reporting process. I request that the CFPB investigate these matters and ensure that these inquiries are removed from my credit report.
Consumer complaint received 2016-03-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (TX)

I do n't exactly know how to reference this account. But I 'm having a problem with a credit reporting agency. XXXX XXXX XXXX XXXX, TX XXXX. I was inform that the company do not have to verify that the information that is reported on a consumer account to ensure that the information that is being reported is accurate. I forward a letter to XXXX that I received from the company regarding a dispute request removal, that the company sent to me. XXXX acknowledge that the letter was receive but did not removed the dispute. XXXX said that they opened a dispute regarding the company then sent a request to confirm the information. Once XXXX received the response from Midland the company this is in regards, said that I was disputing the information. I have the letter that I received from Midland acknowledging that I was not disputing the account and forward a copy to XXXX. But regardless of the letter that I recently received from Midland that clearly states the company acknowledge that I 'm not disputing the account. XXXX insist on reporting the information incorrectly. So, I have a complaint for both of the companies Midland Funding and XXXX Credit Reporting Agency
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

This morning I receive an email notification from XXXX ( 3rd party fraud/financial monitoring service ) that the APR increased on my Chase credit card ( from 5.49 % to 5.74 % ). I was very surprised by this because 1 ) I had never received any notification from Chase about this change, and 2 ) an APR increase reflects that Chase may perceive me as a higher risk, which concerns me because I pay my balance in full every month. 
I called Chase to ask about this change. The first person I spoke to looked up my account history and stated that there has never been any change to my account since its inception, and that it had always been 5.74 %. After hanging up, I went and checked my individual statements. In fact, the rate was increased between XXXX and XXXX 2016. I then checked my emails and texts ( since I 'm on paperless billing and receive text alerts from Chase ), and there were no messages on this either. 
I called Chase a second time, and this time the representative said that this change was made, and notices were sent to everyone ( although I never received any specific information confirming that the information had been sent to me ). 
Since I do n't carry a balance, I am not directly financially impacted. But I am deeply concerned that a bank would increase rates without notification ( if I were carrying balances, I would have had no opportunity to make alternative financial plans in advance of the change ). I am very troubled that XXXX calls within the space of an hour elicited such difference responses in terms of what actually happened with respect to the rates on my account. I am left wondering whether the operational processes are adequate, and if this can happen so easily, what else could happen. As a customer, I do not feel valued when the rates are increased despite my impeccable payment record. One agent mentioned that I do have the option to close the account if I do not agree to these terms. This feels a bit drastic in my particular situation, but I do feel strongly motivated to shift my spend to other providers, as something feels fundamentally wrong when a bank changes rates without notification or explanation.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have XXXX small loans that have been transferred to Navient in XX/XX/XXXX. The cumulative value of my monthly payments was the cumulative value of all loans due monthly. For the last six months Navient randomly started applying my payments to only XXXX of the loans while assessing " late fees '' on the rest. Telling me by XX/XX/XXXX I was {$1300.00} " past due '' and receiving " past due '' notices. I made a substantial payment in XX/XX/XXXX and still, " past due '' over {$1300.00}. They blamed my bank and bank 's bill pay feature, which is bogus. They " reallocated '' my XX/XX/XXXX payments, provided a NEW ACCOUNT NUMBER ( not the one on their website ) to me to use for XXXX of the XXXX of my loans ... I 've cancelled email statements because I want all their lies in writing now and I 'm closely monitoring to see if any " late fees '' are actually assessed XX/XX/XXXX-XX/XX/XXXX as I will dispute them.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XX/XX/XXXX I made a payment of {$15000.00}. It left a negative balance of - {$150.00}. On XX/XX/XXXX I received a refund from a merchant in the amount of {$29.00} which left me with a NEGATIVE balance of - {$180.00}. I made XXXX purchases on XX/XX/XXXX in the amount of {$1400.00} and {$110.00}. How can I be charged {$100.00} for interest on XX/XX/XXXX when I paid off my entire balance and had a credit??? I believe I was improperly charged interest in the amount of {$100.00}.
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (FL)

The following inquiries are showing on my credit report. I contacted the companies and the credit bureaus ( XXXX  & Transunion ) to inform them of these inquiries so they could be removed as I don't recognize them and didn't authorize them. 


XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-10-25
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. (NJ)

I am writing to formally request the blocking and deletion of all accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
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. (CA)

Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

Our Chase Bank check was stolen from out outgoing mail. The check was made out to XXXX XXXX XXXX XXXX but cashed and forged by XXXX XXXX. We notified the bank XX/XX/XXXX, prepared all the paperwork, had XXXX XXXX 's and our signatures notarized as instructed to do. We have still not had our claim honored.
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NC)

I did n't have any knowledge ( That i can recall ) that XXXX sent a debt to a collection agency. I currently have service with XXXX/XXXX and have had this service for over a year. I called the collection agency because they are reporting it as paid but it is still hurting my credit. They said that they cant remove it. I called XXXX and the first attempt they stated that they had no acknowledgement of it and I even spoke with some in their risk management dept. This was back in XXXX. They told me to call the collection agency to get it removed and they stated that they could n't. I told them that I never paid the Collection agency anything and that I restored my services with XXXX so everything was paid. So recently I tried again to contact XXXX to see if they can report or send notice to the collection agency to remove it since I currently have service with them and was n't aware of them sending something to the Collection agency. They escalated the ticket and I received a phone call stating that even thought I am a " valued customer '' and that it is paid that they wont send them a noticed since it was once put in a bad debt status.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2016-12-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (AR)

XXXX XX/XX/2016, I applied for a refinance with Amerisave Mortgage. I submitted all requested document in a timely manner but every time I fulfilled the request, Amerisave would request more documents. On several occasions I requested the underwriter or processor at Amerisave call me with any concerns but they did not. Moving forward, on XX/XX/XXXX, we still had not closed on my refinance so I tried another lender. Since I already had a FHA Appraisal, the new lender informed me to requested Amerisave to send them an Appraisal Release Letter. Amerisave has not drafted the letter stating the middle man XXXX or the Appraisal company would have to draft the letter. Both of those parties state, they are unable to process that request because Amerisave requested the appraisal. Based on what I have learned in the process ( from mortgage companies, XXXX, and the appraisal company ), the Appraisal Release Letter is a standard industry practice. I am asking for your help with this process. Thanks in advance for all your help. 

XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.