davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had XXXX accounts ( XXXX for credit cards, XXXX and XXXX ) and XXXX for student loan from XXXX. I suspected those accounts were fraudulent since it was not authorized by me. 
Based on a dispute lodged by me thru XXXX on XX/XX/XXXX, these XXXX accounts were deleted from my credit score which resulted in a drastic reduction in my score. 
After lodging the complain, I realized that those accounts were opened by my son who happens to have same last name as mine. He was trying to build some credit for himself. 
In view of the fact that deletion of these accounts have reduced my score considerably, I am requesting Transunion to re-instate those accounts as before so that my previous credit score can be restored. It will help me a lot since I am planning to buy a car this month. 
Your kind cooperation and prompt action in this matter will be highly appreciated. 
Regards, XXXX XXXX SSN ending with XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I have a card with Synchrony bank which is XXXX for my XXXX. One card with Synchrony is good enough for me. They lower by spending limit every few months for no real reason. Which lowers my credit score. Synchrony recently took over the XXXX XXXX XXXX and now has decided to lower my spending limit abruptly. This again has lowered my credit score when I just got it back to XXXX. I read online this is something Synchrony does frequently. Something is just not right and this should be looked into.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MO)

On XX/XX/XXXXXXXX  I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1700.00} Highest balance {$3500.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND CO XXXX ND ND XXXX ND ND XXXX CO ND XXXX ND XXXX XXXX ND XXXX ND Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 150 days CO Charge off ND No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XXXX XXXX  150 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NV)

I was told that my insurance would not cover a dental procedure and pressured to take on a loan the dentist is involved with. The monthly installment payments were not disclosed to me to be {$150.00} per month. When asking the company to provide signed documentation of the installments amount when their establishment refused to lower the payments they stated that they do not keep that type of information on record. I continue to pay what I can afford XXXX dollars per month. This company calls my phone several times a day usually 2-3 times at a time. They first call displaying their identity 2 times then block their identity coming in as unknown beginning as early as XXXX.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXXAccount XXXXChaseXXXX XXXX Ohio XXXXJust received another telephone call today that was rude, arrogant and very antagonistic. I 'm told by Customer Service folks that the telephone call was from your default section of Chase. 

You have been told to stop these antagonizing telephone calls and correspondence with this threat. You continue to ignore my instructions to stop. Once again these calls and letters with this threat must stop. 

On hold for XXXX minutes so far today and still your representatives lie and tell me there is a law that requires them to make this threat. Left message for XXXX XXXX ( sp ) for a call back. Betcha it wo n't happen. Talked to a XXXX XXXX ( sp ) and he refused to forward the call to his supervisor after repeated requests. 

XXXX XXXX tells me that he is calling in the loan. Well now, just how do you think you 're gon na do that? THE LOAN IS CURRENT! IT HAS NEVER BEEN LATE! 
Told him to send that to me in writing ; he refused. 

This situation is intolerable and must stop.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Trans Union of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX, XXXX, Account Numbers and Agency ( s ) : XXXX XXXX
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC (FL)

I started a request of a loan at end of XXXX 2015. A broker give a rate lock and loan approval, with a XXXX on XXXX XXXX. For external reason not related to me ( was a judge involved as a XXXX was one of the owners ), the closing took more time than expected in the rate lock. I consult my broker and he told me will be no problem to extend the loan with the same rate. On XX/XX/XXXX was the closing and the broker send me a new XXXX ( same day as the closing ), and I found that he remove some discount points ( {$1500.00} ). On the conversations I have with the broker and he never told me or provide ducumentation about the rate extension cost, I also asked him may times if will be a problem and he never communicate the difference of the cost. The relation with the broker felt apart and I have to communicate with the loan company and they investigate. They consult with the broker and the broker told them that he give me the information. I request documentation to validate this, and they never provide it. Please help to resolve it.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX ; I received a letter from XXXX XXXX stating that a fraudulent account that I had disputed came back as verified after I requested that they do a thorough investigation in the matter. The term " investigate '' according to the FCRA means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. My rights were violated according to 15 USC 1681 section 602a states I have a right to privacy. In addition, it also states in 15USC 1681 section 604a section 2 that a consumer reporting agency can not furnish an account without my written instructions. 
The account in question is listed below : Capital One 360 account # XXXX acct open date XX/XX/XXXX and account close date XX/XX/XXXX.
Consumer complaint received 2017-02-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

During a previous complaint ( " Complaint '' ), I received communications from J.P. Morgan ( " Complainee '' ) asking me to contact an agent with Chase Executive Office to obtain additional information in order to continue the research. Complainee then closed the complaint. Unfortunately, after several, several unsuccessful phone calls attempting to reach out to the designated agent and leaving numerous voice messages with my contact information, I never received any response. It 's patent that Complainee is not taking the necessary steps to address my concern.
Consumer complaint received 2016-06-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (LA)

I was living in a suburb of XXXX, XXXX ( XXXX ), and XX/XX/XXXX, my step-father took a new job within the XXXX at an XXXX in XXXX. I was a Chase customer while in XXXX and in the XXXX XXXX, but XXXX does not contain any Chase locations. Therefore, I had to close my account with a XXXX balance. I completed this at the branch located at XXXX XXXX XXXX XXXX in XXXX. The manager, from whom I had been getting cashier 's checks for the past few months to pay my rent, personally closed out my account, stood, shook my hand, and said he was sad to see me go. I said back to him that I would stay a Chase customer if they had branches located in the area of XXXX in which I was moving to. Now, a few years later XX/XX/XXXX, I 've moved back into the service area of a Chase bank ( suburban XXXX XXXX ), and when I went to open a checking account, I was told that I owed just over {$80.00}, which had to be paid off first, after which I could open up an account. I did not know about this supposed debt ( or else it would 've shown up on my credit report that I monitor constantly ), and I would think Chase would use another mechanism to block me from opening a new checking account between XX/XX/XXXX and XX/XX/XXXX, which I did with XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account shown on the attachment has been disputed numerous times over the last 7 years. Those investigations by the credit bureaus led to nothing being accomplished. The credit bureaus claim to have verified this information and do nothing about the fact that it is illegal, even if charges are NOT disputed, to charge 600-800 hundred dollars in fees on a disputed balance of less than XXXX. Now it has come time that the account be removed because of the amount of time that has elapsed and the credit bureaus are not enforcing the FCRA rules. As you can see on the attache ; the account clearly states that the account was OVER 90 days past due as of XX/XX/XXXX. The FCRA requires that the 'date of first deliquency '' be used to determine the removal date. The removal date should not be XX/XX/XXXX. It should beJuly or sooner based on their own information. It is also illegal to charge excessive fees and as you can see, the statement of XXXX XXXX is that these are disputed charges of less than XXXX. This credit report is from XX/XX/XXXX. Current credit reports show even higher amounts due that the excessive {$940.00} shown here.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

in accordance with the Fair credit reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my right 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.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I have been in dispute with Transunion XXXX and XXXX about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXXl XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX secs XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

XXXX5 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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 2017-01-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MD)

I have a very small company structured as a partnership that has been in business more than 30 years. We have had a credit card account with Chase since XX/XX/XXXX. XX/XX/XXXX, our interest rate was suddenly increased by 10 percentage points, to 23.15 %, a 76 % increase. 
We did n't see this increase right away. After we did see it and Chase refused to talk with my office manager/accountant, I put off calling because I knew this was going to involve considerable time, which I do n't have most of the year. It has indeed involved a lot of time -- two days so far. 
On Friday, XX/XX/XXXX, I called Chase simply to ask that the interest rate on this card be lowered to where it was before it was increased. The supervisor I talked with, XXXX, refused to lower our rate and said there was no one at Chase that I could talk with who could do this. Our only option was to write to Chase to express our displeasure. I am doing that at the same time I 'm submitting this complaint. 
According to Chase, our rate was raised because of XXXX late payments XX/XX/XXXX and XX/XX/XXXX. But as the attached scan of the relevant statements makes clear, we never should have been charged either of these XXXX late payments. 
The first was a payment we supposedly did not make on XX/XX/XXXX ( for {$520.00} ). However, we did make this payment on XX/XX/XXXX ( {$800.00} payment ). We purposefully paid early and paid enough to cover upcoming charges, including interest. 
When we got a late fee notice for this payment, we went ahead and paid the " past due '' amount of {$520.00}. This should have been seen as our XXXX payment, as notated by my office manager/accountant on the online payment receipt. At that point, our " minimum due '' payments for XX/XX/XXXX ( {$520.00} ) and XX/XX/XXXX ( {$580.00} ) added up to {$1100.00}. However, our actual payments added up to {$1300.00}, {$220.00} more than the amount due. 
Nevertheless, we were again charged a late fee on XX/XX/XXXX. In response, we made a {$1100.00} payment on XX/XX/XXXX. On XX/XX/XXXX, we made another payment for {$5000.00}. On XX/XX/XXXX, we made a payment of {$2500.00}. 
Despite having paid Chase nearly {$10000.00} during the previous five months, starting in XX/XX/XXXX, Chase raised our rate to 23.15 %. Chase also did this despite the fact that, prior to XX/XX/XXXX, we had no late payments for at least two and a half years ( as far back as we have printed statements ). 
I 'm sure Chase will say that our payment of XX/XX/XXXX could not be applied to our XX/XX/XXXX payment because we made it three days too early. As a result of that, we have had to pay more than {$3000.00} in additional interest, despite our long credit history with Chase.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got notice of a judgement from a company called XXXX , XXXX about XXXX years ago for a bill that I had no idea what it was for but by the time I was served with any information they already had a judgement and garnished my wages for the full amount until the bill was at a XXXX balance. I did dispute the bill years ago but it remained on my credit report anyway but as of XXXX XXXX 2016 I just got a notice saying they were trying to sue me again for what i assume is the same bill but still with no explanation of wha the debt was. I paid the bill without knowing what it was for because my wages were garnished but now its come up again. I do not want this to affect my credit for another 10 years especially since they are billing me out of the blue, years later and again ... I have NO KNOWLEDGE what the bill was for.
Consumer complaint received 2015-06-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP (GA)

I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve.
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

In XXXX, 2016 I received an email from Citizens Bank, XXXX, CT instructing me to activate my credit card. I immediately called the bank and wrote them to complain about the email since I was not a customer of the bank. I spoke with XXXX XXXX 
XXXX at Citizens Bank, XXXX XXXX XXXX XXXX, XXXX XXXX. I wrote her on XXXX XXXX asking who my socalled card was mailed to. 

I got no response to my letter. On XXXX XXXX, 2016 I received another email Instructing me to activate my credit card. 
I request that your agency investigate this bank to insure that this in not another scam similar to XXXX XXXX and to have this bank remove me from its marketing list. 
XXXX XXXX XXXX
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (AZ)

On or about XXXX 2016, I began receiving collection calls and letters regarding Chase credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuer to close the accounts. At the time I believed contacting Chase and telling them about this would end the collection attempts and that my credit report would be amended to reflect the identity theft occurrence. Chase has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Chase will be pursued if all negative information is not removed from my credit report.