davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
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. (GA)

I have already disputed all fraudulent inquires twice with transunion. Mailed letters twice. Which I mailed the FTC report with the letters. So here it is again, ...
Consumer complaint received 2020-04-17
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$1000.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$1300.00}
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX  XXXX  {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported XXXX XXXX limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MD)

I found out in XX/XX/XXXX while applying to refinance our home that my credit rating was much lower than expected. On XXXX XXXX I called XXXX  and discovered a problem with a XXXX credit card  issued through Comenity Bank for the purchase of about {$80.00} I made in the summer of XXXX in XXXX. I use the card very infrequently. 

I acknowledge the purchase but I never received any monthly statements for payments at either our XXXX  cottage or our main home in XXXX. Not one! We have been to our cottage twice in the fall and winter of XXXX. While mail has been delivered there was absolutely nothing from XXXX XXXXComenity Bank. 

To resolve the issue I called Comenity Bank on XXXX XX/XX/XXXX. After a series of calls and delayed/overlapping correspondence from them they finally told me they had no information on my credit card and could not help me since the account had been sold to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$340.00} and an associated collection agency XXXX XXXX XXXX. XXXX. 

Comenity Bank lied to me. After the first call I did not hear anything from Comenity. I called twice more. On the second call they told me the cost of the original balance was {$80.00} and I would be sent a letter verifying that was the amount I owed. On the third call they listened to a recording of the previous call to verify what I was told. In written correspondence they said they would research my claim and would take days to resolve it. They never did this. 

It is clear that Comenity and XXXX did not have our address in XXXX  on record. It was not until I opened the dialogue with Comenity that XXXX sent me a letter demanding a deal of a one time payment of {$300.00} for settlement in full against the {$340.00}. Yet they had our XXXX  cottage address. 

In discussions with Comenity they have failed to provide the alleged missing account statements nor have they provided any information on when and where the account statements were mailed. They have washed their hands of the issue. My credit rating has been levelly damaged. There is no reason I would not have paid this bill on receipt of the statement. 

XXXX claims that mail delivery problems are no excuse. I maintain they never sent any statements. XXXX also said that I should have been aware of the outstanding bill much like a mortgage payment. I maintain that I receive monthly statements from all my accounts and that any normal consumer would reasonably expect such service from Comenity Bank and XXXX XXXX. 

I paid the {$300.00} because I feel trapped. 

Comenity Bank is at XXXX XXXX XXXX XXXX, Ohio XXXX. 
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Ill. XXXX.
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I terminated my lease early with a local apartment complex in XX/XX/2018. They accepted my surrender of the apartment, ( see attached email from XXXX XXXX ) triggering their duty to mitigate damages under applicable Georgia law. Accordingly they cant require me to repay the entire term of the lease when they have leased the property to someone else as of XX/XX/2018. ( See additional email communications confirming relent of apartment on XX/XX/2018 ). 

We were in the process of determining the final amount owed after they re-leased the property ; however, I never received a final account statement telling me what I owe. ( See email attachments ).

I then received a notice from IQ Data International attempting to collect XXXX on behalf of the apartment complex. I had never even been issued a final bill from the complex much less how I wound up in collections. When I asked for an explanation, the IQ Data representative XXXX spoke to me in a derogatory manner and told me I owed the full amount of accelerated rent. I told him lawfully this was not possible under Georgie law because ( 1 ) I never even received a final bill and ( 2 ) the complex accepted surrender of the property and relet it on XX/XX/2018. 

I then contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA and they refused to send me copies of the final account statement they allegedly sent me in XX/XX/2018. Instead they sent me screen shots where they supposedly emailed me copies of the final statement. I requested they resend the original emails and the final account statement and received no response. 

IQ Data is increasing the amount I owe to over 7000 and when I spoke with them today their same employee XXXX said lady pay your bills already which was on a recorded line. 

He also told me that even though I was an attorney I didnt understand accelerated rent. 

Again-how you can be in collections over an amount you never received a bill for is beyond me and the failure to provide justification for that amount, continuing to impact my credit and speaking to me in a verbally abusive manner are unlawful. 

IQ Data is pinging my credit every month with late payments and this is my last step before filing civil litigation against both entities.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (NY)

I went to Chase Bank online and access my account and try to review the Bill Payment I made to XXXX XXXX and XXXX and there'e option to get proof of payment but when I download the documents did not allow me to save the document nor print I understand many of the option are self services but should accessible via Computer, Laptop, Tablet and Mobile and I should be told by the staff such Customer Services or Bill Pay that they unable to print and mail proof of payment to the customer and I was informed that go to branch and ask a Personal Bank and this office as well I know that they are not speaking with customer and I told that the not the account and could not give me reference number to complaint I made. All online banking self should be access to the customer. They should be able to mail the Bill Payment information upon request. Please investigate and all misconduct and mismanagement found all individuals be convited according to United States Federal Regulations. There will not option to select Checking Account nor indicated it Bill Payment Complaint on this website
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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.

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 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 seven 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 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I am inquiring about forbearance versus deferment. Why is PHH/XXXX not offering clients a deferment payment during these unprecedented times of COVID-19? 
I am an on-time paying client and have been for many years. I have been impacted by COVID-19 with a furlough and an uncertain return-to-work time frame. I contacted XXXX customer service by phone on XX/XX/20 and through email only to learn that the expectation of forbearance is to repay at the end of 90 days with no option to renegotiate the loan. My intent to defer, ( have the payments that are missed be renegotiated back into the life of the loan ) was not entertained. 
I would like XXXX/PHH to consider the client on an individual basis. COVID-19 impact is not a one-size-fits all. Every client should have options at this time. 

I have included the attorney general of California in this email for future reference and counsel, potentially for my circumstance or others. 

Please confirm the receipt of this email and what next steps may look like. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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. (KY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
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. (NC)

My identity was stolen back in 2018 due to my information being exposed in the XXXX XXXX XXXX. As a result fraudulent information has been posted to my credit report. According the Fair Credit Reporting Act Section 605-B these fraudulent accounts should be deleted from my credit report within 4 days. I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent account reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.
Consumer complaint received 2020-04-17
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. (CA)

I attempted to use my card for a business purchase on the XXXX of XXXX, 2020 to find that my card declined I though it might be due to the bank suspecting fraud on my account that didnt let it go thru. I called the bank so I can speak to the fraud department they advised me that closed my business card and personal card because I was a risk to the bank. They advised me that that I was risk because I applied for other credit cards recently to get a 0 % percent interest rate to do balance transfer from higher interest cards. I feel like the bank is profiling me because I have never missed any payments with the bank or any of my other credit cards and on top of that I have over {$22000.00} in my checking in saving account with there instatuition.
Consumer complaint received 2020-04-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Equifax and XXXX  both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how EQUIFAX and XXXX  are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President Trump. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX  as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, EQUIFAX and XXXX  are interpreting and reporting on my credit status.
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Lockhart Morris & Mo Opened XX/XX/XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused  by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Lockhart Morris & Mo Opened XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX S SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL  XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Control, LLC (CA)

Credit Control LLC. XXXX XXXX XXXX XXXX No XXXX and XXXX XXXX XXXX XXXX MI XXXX. 

Credit Control LLC. started calling me daily once the stimulus checks were announced XX/XX/XXXX-XX/XX/XXXX daily and then sent letter stating they would garnish my tax return/stimulus check for the so called amount owed for a debt by XXXX XXXX XXXX without presenting any proof or information other than amount due {$1300.00} with no credit information or address. I have sent them my response but PO Boxes do not accept Certified mail.
Consumer complaint received 2019-01-08
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. (TX)

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

I went into the XXXX and XXXX XXXX branch of Wells Fargo in XXXX, Oregon and attempted to make a withdrawal of 20k on XX/XX/XXXX and the teller told me they couldnt do it and did not give me a reason why. After I asked for the situation to be escalated, the teller alleged he went to ask his branch manager, XXXX XXXX, and she had said no. However, managers have always been out on the floor or at least come to speak to the customer to give them peace of mind, and I did not see her at all so I dont know if she was even there. Additionally, when the teller gave me a blank piece of receipt paper to write my personal information on for them to order the cash, I never received a call and it is now XX/XX/XXXX, so I assume they just threw it away. I dont know if it is because of my race, or the way I look, but I have never received service like that at any other Wells Fargo branch. This bank breaks their promises to customers and never tried to do things correctly anytime ( let alone the first time ), they went out of their way to make me feel unwelcome and be unhelpful. Hands down, the worst service I have received in my life at a financial institution. Make no mistake, I will be going on social media to make sure no one else receives this type ( or lack thereof ) of service.