davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
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. (MO)

I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  ( XX/XX/XXXX ) 10 ) Transunion ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC (CA)

I was approved for a {$400.00} installment loan on or about XX/XX/18. The money was transferred to my bank and received on XX/XX/18. 

I have made XXXX payments of {$100.00} towards the loan, totaling {$760.00}. The last payment made on XX/XX/18. 

On XX/XX/18, I called for the pay-off amount and the supervisor I spoke with stated I owe {$360.00} ish dollars. 

On XX/XX/18, I logged into the website, my account balance is {$360.00} and is considered " past due. '' Based on the verbal conversation on XX/XX/18, the supervisor revoked ach authorization and placed the account in collections status. 

I have never received documents in the mail and/or email from this company, just the {$400.00} debit to my account. 

They operate using unfair and deceptive or abusive acts and practices. Ridiculous interest. Please conduct a review.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (OR)

I have contacted Chase XXXX first asked them to opt me out of increase of APR from increasing. They denied me. Then I asked them to help me decreasing my APR, while I try to save my mom 's life from XXXX, and they are not able to assist me. Chase wants me to go past due before they will help me. I told chase I am going to XXXX to say good bye to my mom, and coming back to refinance my house to pay them off, and they can care less. They want dings on my credit, so I can be denied my refinance. They are going to force me to file for bankruptcy and I DO NOT want to do this. Please help me during this struggling time. 


XXXX XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (FL)

This is with penn credit at the XXXX County clerk of court,  XXXX Florida. I had an arrangement for court fines for XXXX down and XXXX a month for remaking balance, on XX/XX/XXXX I called penn credit and gave a updated debit card info and was not told the payment did not clear. On XX/XX/XXXX, penn credit took XXXX payment from my account, I received a letter stating, my license would be suspended on XX/XX/XXXX this is the same account that penn credit deducts payments from, my XXXX account for. I was told to make another XXXX payment on XX/XX/XXXX and make payments for the suspension fee would be resolved. The suspension was not resolved but penn credit continues to deduct funds from my checking account for XXXX County clerk of court. They are not biding to their own agreement, but are taking funds my account. If my account was no longer valid for the arrangement. They were not to take funds from my account, up to this day they have dedecuted funds my XXXX account, but have not went by their agreement plan for services. The customer service reps who I have spoken to since XXXX, has told me different stories, lies, rude and absolutely no resolve to this issue.
Consumer complaint received 2018-09-22
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: CORELOGIC INC (GA)

I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, Corelogic Credco, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
Consumer complaint received 2018-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC (TN)

I told XXXX XXXX that my check was stolen and reported to the police. 

I was informed that I had to provide all my personal details but they didn't have to give me anything, and I replied that the police had the report. I was told it was my problem and that I had to get them the report to their business. When I said, no, I was in a XXXX and they could get it i was informed that they would call me every day until I did what they wanted and there was nothing I could do about it other then bring them the report and then they would investigate and see if they quit calling. 

Requests for things in writing was met with it could only be done by email. 

They were informed it was stolen, it was a fraud and that a police report was filed. Because I did not bring them all the paperwork, a hardship on me being in a XXXX, which they were informed about, they have called at least once a day for the last 10 days and tell me every time they call, they will talk to me tomorrow. 

This is harassment, and when pointing it out tell me " nope. It's a bill you owe. '' When I argue that they tell me they aren't going to get the report and they doi n't have the time to bother with getting it or investigating it so they're going ot keep calling.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously filed a complaint on Equifax because they took well over 30 days to get back with me with a 3rd round of dispute results. They are required under the FCRA to immediately delete the disputed items after taking over the required time to get back with consumers. Thus, my complaint 's desired fair resolution was to have the items deleted, especially because IT IS LAW. I explicitly stated : " I am seeking deletion of the items that I last disputed with Equifax. A fair resolution to this issue is for Equifax to delete the disputed items as required under the FCRA and FDCPA, considering they have not responded in the required timely manner to my disputes. In addition, due to the system glitches they informed me of via phone. I am providing my phone number on this complaint so that they can possibly look up any calls made. Nevertheless, they should already be aware of the glitches they faced weeks ago. What is basically fair is for Equifax to abide by the law -- the FCRA and FDCPA -- and delete those disputed accounts. Aside from the issue of time, they haven't even validated or verified these disputed accounts. I have done my best to do my due diligence and pursue due process, but their negligence has disrupted this process. '' Nowhere did I allow for them to get away with doing another pretend round of investigation, partly because they are NOT allowed to. ( Another complaint issue aside from reporting practices are their communication tactics, such as what I am describing ). They are once again in violation of the FCRA, and I demand that the disputed items be removed. Oh, and to add another violation to that major one -- to top things off -- in their new pretend investigation, they once again did not provide a shred of proof to me, the consumer, verifying & validating these accounts! Once again, just another bunch of " verified '' claims without providing documentation! The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. What gives Equifax the right to house my personal information and consumer credit information on me if they themselves have not seen let alone provided to me a shred of proof?! I am prepared to sue for damages. They are NOT supposed to report information that THEY DO NOT EVEN HAVE PROOF OF AND ARE JUST TAKING COMPANIES ' WORDS FOR THAT THEY'RE SUPPOSEDLY 'VERIFIED ' AND 'VALID '. I am absolutely disgusted at this and DEMAND that these disputed accounts be immediately deleted.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (TX)

There was a credit card from XXXX XXXX XXXX opened on XX/XX/2018 under my name from an address I moved out over ten years ago. This card was opened under my name from a very old address and I never open an account with XXXX XXXX XXXX   before. On top of that, whoever is using the account is left the account in bad standing and it's hurting my credit score. Trying to remove the account multiple times, but never heard back from the bank nor the credit bureau.
Consumer complaint received 2018-09-21
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: Credit Technologies, Inc. (GA)

I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. Credit Technologies, XXXX XXXX, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
Consumer complaint received 2018-09-21
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. (CA)

I faxed a letter to XXXX  last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Experian doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Consumer complaint received 2018-02-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On or around XX/XX/2017 I disputed account with XXXX # XXXX. They sent a letter denying any inaccuracy. They sent documents but didn't have original documents nor signature verifying this account to be mine.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however XXXX XXXX   has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

NOTE : This is a problem with Experian, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XXXX of XXXX, I signed up for a XXXX XXXX " XXXX '' Visa credit card. I used the card normally for XXXX years. 

In XXXX of XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XXXX of XXXX, XXXX XXXX had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for XXXX XXXX to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted XXXX XXXX and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, XXXX XXXX marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX  XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and XXXX XXXX ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX  XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about 450. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of the thre bureaus, but not Experian. Experian acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted Experian over the phone, and today signed up for an account on their website so that I could document their refusals. Experian maintains that they're under no obligation to review my dispute, since I've " already disputed '' the information.
Consumer complaint received 2018-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have contacted this company 8 times in the past two months I made one purchase made one payment for the exact amount they have double billed me the company sees the problem but no one can correct it they have sent me a letter stating they over billed me on XX/XX/18 I continue to get multiple late payment emails my credit card score is showing a delinquent payment on these multiple phone calls they have averaged over thirty minutes per call
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

On Saturday morning XX/XX/18 I went into the XXXX XXXX branch to cash a check for {$44.00} and withdrawal an additional {$150.00} ( This was all posted to XX/XX/18 due to the XXXX XXXX   holiday. I was checking on my account on the morning of XX/XX/18 and noticed a pending {$500.00} debit. I went into chase as soon as they opened ( XXXX ) and spoke both to a accountant on the floor along with the branch manager eventually. I said that it looked like there was a fraudulent charge on my account. The accountant notified me that it was not fraud it was a bank charge for investigation results. They told me that the {$44.00} check was cashed as {$540.00} and that they gave me that in cash on top of {$150.00} withdrawal. I explained to them that I did not receive that money that I only received {$190.00} and that I needed this resolved and they needed to show the camera footage of this transaction. On the morning of XX/XX/18 I received a call from the branch manager informing that they reviewed the footage and it shows the teller person counting out the money putting it into an envelope and handing it to me. I told her that that is not possible I never take an envelope for money I get and I did not get the {$500.00}. I told her that I wanted to see the footage she declined and said I would have to get it legally. I tried to file a police report with the XXXX XXXX Police but they said this was civil. I only get XXXX which takes everything I receive to get till the next month 's payment. Allowing Chase Bank to steal {$500.00} from me will be devastating. Just a thought - If I had video proving my stance on a issue like this one why would any organization not show it to prove they are correct beyond a reasonable doubt unless they needed to hide something? Why take the chance of losing a customer or many?
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc. (MO)

On XX/XX/XXXX, we went to court as the company who purchased my debt ( Atlantic Credit ) obtained legal respresentation ( XXXX XXXX XXXX ). I, did not have an attorney representing me. The attorney for XXXX XXXX XXXX had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The XXXX XXXX XXXX attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called XXXX XXXX XXXX they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.
Consumer complaint received 2018-09-21
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: JPMORGAN CHASE & CO. (IL)

II have a charge on my account for {$2.00} with XXXX XXXX XXXX and I did not make the purchase of {$2.00} with XXXX XXXX XXXX. I went to a chase branch and was told that it was going to be disputed around XX/XX/2018. I was told by Chase on the phone on XX/XX/2018 to call XXXX XXXX XXXX pertaining to the charge. So, I called XXXX XXXX XXXX and spoke to a Manager Name XXXX XXXX who advised me to dispute it with Chase. I then Called Chase back and spoke to a Chase Manager Name XXXX who was rude to me and refused to file a dispute regarding the XXXX XXXX XXXX  charge. I then asked to speak to another manager several times and that was refused. Then XXXX hung up the phone on me. I also was told by chase to close my debit account and I declined. I just want my dispute to be resolved.