davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

during the hurricane in texas i was having problems paying on my five year line of credit. chase offered to modify my line of credit and changed it 12 months after hurricane XXXX promising to place the missing payment on the back end of the loan but instead without my permission what i was given was a 30 year note for XXXX dollars per month to pay back a 5 year XXXX dollar line of credit. i never agreed to that and i did complain to chase bank. so i am to pay back over XXXX dollars for a line of credit where ishould have funds in it all of this happened while they were helping texan during hurricane XXXX. i accquired this loan in 2005 so i got 16 years of payment without my signature or permission and i have 20 years left man can a dude get some help from chase jp morgan
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

XX/XX/XXXX I got laid off from work due to XXXX  XXXX and the XXXX. Since then Ive been on a Forbearance. As of XX/XX/XXXX XXXX still in forbearance until XX/XX/XXXX As part of the recently enacted Coronavirus Aid, Relief and Economic Security ( CARES XXXX Act, mortgage accounts in forbearance as a result of XXXX can not be reported negatively to the credit bureaus by lenders. 

During this time PHH mortgage negatively impacted my credit reports by submitting that I am XXXX days late. I am not late Im in forbearance. I have an XXXX  loan. 
My XXXX  XXXX is XXXX XXXX XXXX Ive sent XXXX emails with no response! 
Their number is XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: QC HOLDINGS INC (OK)

9 hundred and change unsure on the amount I have set up arrangements on for today did not go through since payday is today or tonight. Anyway I was called by structure settlement company first to my job telling me they spoke to my employer but willing to give me a chance to settle I asked not to call place of employment today i was working and unable to answer my phone I review voice mails 2 actually stating they reviewed reciting and payment came pack nsf well not true because I set up on my card. They he tells me they take those nsf payments very seriously in a very loud and threatening tone. I will pay my debt but I do not appreciate the threatening voicemails or leaving my personal info on a voicemail. Or calling my employer. If the want to garnish go ahead I will pride fax information for them to send in the right way! This is un acceptable
Consumer complaint received 2021-03-16
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. (NJ)

Transunion is reporting a collection file that does not belong to me please remove XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$310.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Today I call in to make a payment for {$1000.00} with a representative at Capital One. I was not able to access the online website to make a payment or the app because I change my phone to XXXX with XXXX XXXX XXXX prepaid phone and representative stated that are not able to update because they need my drivers license I tried twice with two different representatives to update phone number unsuccessful. I did cancel payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$260.00} for a total of {$780.00}. All I wanted to do is pay {$1000.00} and have access to online website so I can review and know how much I need to pay to reduce the balance. I also was told that I was receiving COVID-19 extension from previous representatives and my account will be current and will not impact my credit but that was not true and the account is 123 days past due. I request that my bill be mail to me each month so I know how much I owe but no monthly statement is being mail to my home address unacceptable by Capital One.
Consumer complaint received 2021-03-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is the named insured in my lender placed insurance policy. In 2019, the insurance company approved an inadequate amount of money to replace my roof. I can not dispute the amount because I am not the named insured on the policy. 

Since 2019, I have asked Bank of America to dispute the inadequate money. But Bank of America will not dispute the amount. The insurance policy says Bank of America is the only entity that can request an appraisal for my roof replacement. However, Bank of America will not do so. I can not dispute the amount because I am not the named insured on the insurance policy. 

I need someone to help me instruct Bank of America to exercise its right to request an appraisal for my roof replacement so I can receive an adequate amount of money to replace my roof.
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2021-03-16
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. (NY)

Since XXXX, XXXX of 2021, I've noticed a pattern of my transunion balance not updating. 
So I filed a complaint and CLAIMED OWNERSHIP of account, but stated balance was incorrect ( because the balance was paid ), .transunion does a '' investigation " ending on XX/XX/XXXX. They claimed my bank did not respond so they removed my Most positive payment history from my account. 
I called transunion, they claimed to get my account put back on, they have to verify my account with the bank ( I recorded 3 transunion reps lie and say 3 different stories ) for the 4 rep to suspect it's fraud ( due to me wanting my balance updated properly and being XXXX ) Well I wan na file a discrimination complaint after my bank verifies .. wanting a good score being a minority is not fraud. I also recorded all 3 reps lie, including one say my bank removed it, ..while the investigation finished on XX/XX/XXXX, My bank updated my balance to transunion on XXXX XXXX..yet transunion missed it. 
To drop my credit score and tell me my account needs to be verified, ( that's been reported to transunion for months ) with perfect payment history, is redlining..now I have to wait another 6 months to bring my score back to where it was initially .which was done on purpose. Transunion also claimed " which I have audio '' that if you file a dispute, and the creditors don't respond in 30 days, even if it's not pertaining to ownership of account, it will be removed, I'm not sure but that was the second excuse before the supervisor says the bank needs to verify the authentication of my secured card .which is totally fine, being it will drop my score for months intentionally
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
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. (IN)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$14000.00} XXXX MORTGAGE XXXX Balance : {$250000.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I recieved notices dated XX/XX/2021 and XX/XX/2021 XXXX the Denial Letters XXXX whereby lender denied my request to subordinate my second position loan ( the XXXX XXXX  XXXX ) to a new first position mortgage. I have also sent a letter dated XX/XX/2021 in response to XXXX XXXX  's initial denial letter. 

Within the Denial Letters, the reason given for denial is that it was based on a business decision. I am currently experiencing a financial hardship and request that that Select Portfolio Servicing and XXXX XXXX  reconsider my request to subordinate my loan to reduce my monthly interest in the refinance of my property which will reduce my monthly payment without changing the XXXX XXXX  loan whatsoever. On XX/XX/2021 I sent XXXX XXXX a recent notice by my employer regarding a reduction in my salary XXXX 20 % reduction ) due to the present economic environment. I am trying to amicably reduce my expenses and thus far, I have managed to keep current on my mortgage. To be clear, I am not claiming a COVID financial hardship, and I request that XXXX XXXX  do not report my account as a COVID financial hardship. Hence, SPS or XXXX XXXX  may not mark my account as a COVID hardship and doing so will cancel my ability to refinance my home. 

I have previously shown that the refinance of the property will save me more than the payment to SPS or XXXX XXXX. I have encouraged XXXX XXXX  to accept the subordination agreement to avoid unnecessary action on my part. 

I am concerned that I will not be able to make the payment, particularly if XXXX XXXX XXXX and XXXX XXXX  continue to refuse to subordinate the loan to a new first mortgage. 

Although XXXX XXXX  has asserted that the denial of the subordination of my XXXX XXXX loan is based on a business decision, it would seem to me that the best business decision would be the one that would mitigate risk to the mortgage owner. Not only would consenting to the subordination of my mortgage facilitate a lower interest rate and lower payment, the denial of the subordination would only serve to increase the risk of affordability, especially during the current climate of economic uncertainty due to the XXXX pandemic. 

I have advised XXXX XXXX  that time is of the essence in the refinance of my first mortgage as I do not want to lose the opportunity of closing at my current rate lock.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX MO XXXX these address must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

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 2024-09-26
Product: Credit 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: U.S. BANCORP (TN)

I used my XXXX  Visa Signature Card to purchase a dress from XXXX, which turned out to be a XXXX XXXX XXXX. The order is enclosed. The order was submitted XX/XX/24 for a total of {$46.00}. The blue dress size XL arrived in terrible condition with a huge 10 '' tear. I communicated with XXXX XXXX XXXX XXXX XXXX XXXX  and the best they would offer is for me to pay full postage TO XXXX for a full refund. Alternately they would send a 25 % refund or another inferior replacement dress. They suggested that a needle and thread would fix the tear. I'm enclosing a picture of the dress, which was not as advertised and instead was a creation of rags sewn together. I have NEVER seen anything so poorly constructed in my life. 

Unsatisfied with the response from XXXX, I went to my XXXX  Visa Signature Card Company to request a credit, which they applied provisionally. They sent me a letter requesting a full explanation. I gave them a full explanation plus the 1 ) original order, 2 ) Email correspondence, 3 ) pictures of the torn rag of a dress 4 ) return address of the item ( from USA not XXXX ). I am enclosing same in this complaint. 

I received a rejection from XXXX  and they reapplied the charge to my card. I called and spoke with a CSR who reinstated my credit as I HAD SUPPLIED ALL NECESSARY INFORMATION. Yet again on XX/XX/XXXX I was sent a second rejection from XXXX, again stating insufficient information. This time, when I called customer service, I was told my account was LOCKED, they couldn't view it and that a manager would call me. Since XX/XX/XXXX, there has been NO CALL and no reversal of their decision. I was treated like garbage by XXXX  and am filing this complaint as my only recourse.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (PA)

I consistently contact the credit bureau via their online dispute center and via phone to remove the hard inquiries on my account because I am a VICTIM of their Inquiry issue. 

I still have these hard inquiries on my account that have not been resolved. I've stated the inquires next as a resolution.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my credit report and requested that the company due an investigation. After they completed their investigation, I received updates on my report that were not removed and no information was provided to me about the account. There is no proof that these accounts belong to me from any of the agencies reporting negatively on my account. 

XXXX XXXX- {$0.00} Santander XXXX {$17000.00} XXXX  XXXX Auto - {$13000.00} XXXX XXXX XXXX - {$64.00}, {$290.00} XXXX XXXX {$420.00} XXXX  - {$5600.00} XXXX XXXX  XXXX {$700.00} XXXX  - {$8000.00} I also never gave these companies permission to pull my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and CitiCard which is Citibank charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by Citicard XXXX XXXX XXXX ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXX.Payments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX who was the debt collector for CitiCard and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

XXXX XXXX explained within 48 hours of the payment that they would notify Citibank of the payment that the account was settled. I then disputed my account with XXXX and uploaded the settlement letter and the payments. On XX/XX/XXXX Citibank updated my XXXX account stating that I the balance is now {$1500.00} and no payments were made on my account. 

Citibank is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the account.
Consumer complaint received 2021-03-16
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: CASHCALL, INC. (ID)

Cash call is showing up on my XXXX credit report. This is not my loan, I have disputed this several times and it is still showing up on my hard credit pulls. It is dragging my score down. I need to get this fradulent pay day loan removed from my credit
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Has violated my rights. 



15 USC 1681 section 602. States I have the right to privacy. And according to 15 USC 1681 they are supposed to ensure this whenever consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681C. ( A ) ( 5 ) section states : no consumer report and agency mate 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 crime, which Antedates the report by more than seven years.

15 USC 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 the information is an accurate.