davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
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. (CA)

I purchased a water heater for my second home from XXXX XXXX in XXXX, XXXX. The store had a maximum authorization limit on foreign credit cards, therefore first they took a deposit of XXXX XXXX on XX/XX/XXXX, than on delivery date of XX/XX/XXXX the balance of XXXX XXXX the total of XXXX XXXX which was the full price of the water heater. EXHIBIT A The heater was installed on the XXXX and due to an internal gas leak, it burned down at XXXX at night causing heavy damages to my home. EXHIBIT B. I had filed the proper claims with the Chase Credit LLC and their subcontractor XXXX a bogus or XXXX AND XXXX XXXX. To this date, the XXXX claim HAD NEVER BEEN SETTLED, therefore I am requesting the complete resolution of the matter which amounts to the XXXX XXXX in XXXX {$400.00} and the same interset charge what the contract states, 29.88 % in XXXX {$120.00} for deliberate disregard of contracts and the statuts of settling a claim in California. Incidentally, the damage to the building was estimated at {$27000.00} XXXX and having been reconstructed!!
Consumer complaint received 2021-07-14
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. (IL)

I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-04-28
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. (IN)

Each month I receive my FICO score with my XXXX card statement. Besides just providing my score, it provides additional insight into the five components used in calculating the score. Of the five components, Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. 

For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). 

When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. 

As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. 

The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX ( XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). 

The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.
Consumer complaint received 2021-04-28
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. (IA)

I have no signed contract with XXXX XXXX XXXX and the bureaus refuse to remove this collection from my credit report
Consumer complaint received 2021-07-14
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-28
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: HW Holding, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX  HWARFIELD ( Original Creditor : XXXX XXXX  XXXX  ) XXXX** ... XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  ) XXXX**** ... XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is at it again with Negative Option subscription plans. 

Background : Today, XX/XX/XXXX, I had just gotten an employment offer that was contingent on a background check. I consented to the check via an online provider, and there was an alert immediately generated on my background check about a name mismatch. So, I created accounts with all three credit reporting agencies to dispute the name attached to my credit report ( it just hadnt been updated from my maiden name ).

Of the three CRAs, TransUnions signup was by far the most opaque. I was funneled to a single option when I clicked on their credit report tab. Nowhere was it clearly or prominently disclosed that a fee would be charged or that I was enrolling in a subscription plan. I was a bit uneasy inputting my CC info, but since one of the other CRAs had classed my free credit report as an order and I had gone through a checkout process, I was primed to think this was the same, and that my CC info would be stored for optional account upgrades or something. The only reason I found out that I was being charged and had been enrolled in a subscription plan was via the receipt sent to my email. {$24.00}! A month! Nowhere in the checkout was a price mentioned, or a subscription. I would call any transaction whose amount is only clearly disclosed after payment completely deceptive, unethical, and illegal, per CFPB findings in XXXX ( page 11, line 37 of the Consent Order ).
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NY)

I applied for a personal loan with One Main Financial. I was approved immediately for a XXXX installment loan for 36 months @ 25 % with collateral. The collateral they require is a car. Unfortunately I am XXXX and do not own a vechile. I contacted their care department XXXX who then transferred me to the executive offices of the care department. XXXX. I spoke with XXXX who was rude, had no time for me or my questions. I indicated One Main is NOT following the Americans with XXXX  Act. and was told " go ahead and good luck '' then proceeded to hang up. I just wanted to ask what other forms of collateral they would accept. I have been discriminated enough because of my XXXX and feel this type is above and beyond discrimination.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

THIS COMPANY IS REPORTING INFOR MATION ON MY CREDIT REPORT AND IS THE WRONG SOICAL SECURITY NUMBER AND WRONG NAME I ASKED THAT THEY REMOVE THIS WRONG INFORMATION AND THEY SAID THEY WOULD NOT DATES XX/XX/2020 COMPANY PENN CREDIT CORP # COLLECTIONS XXXX
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Someone opened a account in my name and used the card for sometime. I notified capital one they said its my responsibilities .Capital one agreed to remove account from my credit if I paid it. I agreed and they still have it on my credit report as a charge off. They said it would be settled and paid in full and removed from my credit. Its still on as a chargeoff owing XXXX this is very dishonest. How can a company make you pay an account thats not yours. threaten to ruin your credit if you dont pay and tell you that you can settle and it will be removed from your credit report. I filed XXXX ftc reports. I will continue until justice is served. This is horrible. During covid times are very hard. Please help
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (TX)

All payments as been paid off, I have dispute this multiple times, no solution, called to have it deleted the agent was not helping, when I paid it off, I did not get any email confirmation, and every order day I get calls from the debt collector. All I need is balance to be updated and deleted from my account.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Well apparently Capital One sold my information that was fraudulent attain to this company XXXX XXXX XXXX. I contacted XXXX XXXX numerous time. I mail my police report to the company, the three credit bureau has my police report. I have a fraud alert and a freeze on my credit report. XXXX remove it but when it removed from my credit XXXX XXXX will put it on the other bureau. I contacted FTC file a complaint. They still report it to the bureau. On XXXX XXXX i recive a call from XXXX stating my account wasn't be paid. I inform XXXX XXXX never applied for a XXXX 's card. My husband XXXX XXXX left his phone in a rental car. They never turn the phone in but from XXXX they was open different account because our email was stored in the phone we had some of our personal things in the phone.
Consumer complaint received 2023-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

Loancare LLC raised my house payment first by XXXX a month then with no notice raised it XXXX a month. Sent me a letter saying that my escrow was short XXXX but they wanted just over XXXX due to their analysis saying I would be short again. When I called to pay they not only said that my payment would not be adjust for three more months but then it would not even return to my normal house payment. Which is not what the letter I have states. Where has my extra XXXX gone if they still want XXXX more and how are they not forced to honor my signed contract with them or the letter they send sent me?? Please help me get this fixed and return my payment to my amount per my contract.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All accounts must be verifiable that are on your credit report. I have reached out to XXXX on multiple occasions to get information on a Bankruptcy that Transunion, XXXX  and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from XXXX stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is TransUnion, XXXX  and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from XXXX and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to XXXX where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX results were incomplete and missing on XX/XX/XXXX Transunion results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX  results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If XXXX Certified this information is correct then where is the copy to be sent to me?
Consumer complaint received 2020-03-03
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. (MO)

I fell 30 days behind on my XXXX XXXX Home Mortgage a few years back. During that time I was able to arrange for XXXX XXXX to re-fiance my mortgage and during the underwriting I was advised by my XXXX XXXX Adviser that I was NOT to make any additional payments until the new loan was finalized as it would impact the amount being re-financed. I followed their instructions and once the refinancing was completed I stayed current on my payments for the next two years until I sold my house and moved. Unfortunately, XXXX XXXX reported my loan as 60 and then 90 days delinquent even though I was instructed by them to NOT make those payments. I have requested that the history of my loan on my credit profile be adjusted to the 60 and 90 days delinquent status to 30 but Trans Union is not doing so.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (TN)

On XX/XX/2021 Quicken Loan contacted me offering some rates and costs for a possible 10 year refinance home mortgage. The person from Quicken Loan I talked to was Mr. XXXX, XXXX ( XXXX ). XXXX XXXX was very insistent trying to convince me, that the offer he was giving me was a great one and that I had to take it otherwise it might be gone the next day. I have to say I was Quicken Loan Customer time ago so I just asked this person to send me an e-mail with the details of the offer or post it in my Rocket Mortgage account for me to review it later on and reach back only if I consider the offer to be convenient for me. 

To my surprise my wife and I received, fist on XX/XX/XXXX, a copy of our corresponding credit reports Quicken Loan throw XXXX had pulled out on our behalf and on XX/XX/XXXX we received a Loan Estimate Package # XXXX containing additional credit reports being pulled out from XXXX, XXXX 

After trying to get clarification from Quicken Loan XXXX XXXX, XXXX XXXX ) they argue now that in fact gave them approval to move forward with this which is 100 % false. They are saying not only that I gave them approval to pull out our credit reports but that I provide them my SSN, which never was subject during our conversation. My wife was not even in the call, so it is not possible for her to had given approval for this. 

I am very concern now about? 
- The way Quicken Loan is misusing people 's information, new costumers and old customers like in our case. 
- I consider this to be a fraud, maybe only from some agents who might be getting a commission every time they get at least a Loan Estimates sent out, I do not know. But I believe this needs to be addressed.. What if it becomes something bigger and they start now closing refinances with the clients not even knowing about it - Our credit reports got damage. They decreased already XXXX points as a result of this fraudulent action.
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (PA)

I was selling a vehicle The person I was selling the vehicle only had funds through unemployment cards or one unemployment card and a debit card so we couldn't transfer all the money at one time so her friend had the bright idea to open a square account square is like a business account when you have a business and you sell stuff so I did that all the money transferred into my account and then I got a call that evening saying that they needed certain information because it seemed fraudulent because it was such a big transaction while I was sitting in my bank with this girl personally so they said they needed all my transaction history in my bank history and all this other stuff so I ended up getting it but by then it was too late and they said they deactivated my account which I still was able to get on there and see that the money was there but it did not go into my bank so they said they were putting a 90-day hold on it Well 90 days was XXXX then I ended up getting two more emails one saying that my hold was over and my money would be transferred into my bank which never happened then I got a second email saying that they still were not doing business with me so I don't know how to take that and I have all the emails and all that good stuff hopefully it's still here but I am still waiting I keep checking my bank account every day which this is tearing me up cuz I was going to pay off some bills That's why I sold the vehicle this is so crazy if I could get any kind of help because I've tried calling a million times they have no customer service I've been hung up on twice I don't know how I got through but there is a number somewhere if anybody could help me this would be great!