davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

The Company stated that there would only be a soft pull on My File, when I noticed it was a hard pull? I disputed and requested them to remove and they refused to remove. I am working to buy a House and get Business Funding for My Business, this is hurting both Home Purchase and Business Funding.
Consumer complaint received 2024-08-31
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Receivables Management LLC (MI)

XXXX XXXX calling and contact more than 7 times in 7 days. 
Taking pictures of property windows and asking to replace ( these were in the same condition as when lease was signed ). 
Threatening security deposit withhold for a lease to own property that had pre-existing damage documented by former tenants. 
Awaiting unemployment funds and can not pay what I do not have, harassing does not help.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

This is how XXXX and XXXX XXXX ( M & T ) treats customers. 
On XXXX I mobile deposited a check into my account. After a MOMENT of thought, I called the Fraud Department and told them I thought the check was part of a scam. I asked the gentleman I spoke with if this would affect my account, he said no. Later that day my account was placed on a hold. 
I never tried spend any of the check, it was not even available in my account til the next day. The check was found to be no good and none of it was put in my account. 
I am in my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had just paid several bills, the rest of my bills are automatically taken from this account. This hold stopped everything from being paid. I used my credit card to keep my car insurance from being canceled and to buy necessities for the past 15 days. 
Today my XXXX XXXX check was deposited into my account and I cant even use it. I have made three trips to my branch, and countless phone calls to customer service. I even called the fraud department. 
The only answer I get is we cant do anything until the fraud department is done with the investigation. 
I dont understand why my funds cant be used. This is my money and has nothing to do with the bad check. 
Please help me get my money back from the bank. Im so stressed out and all my creditors need their money.
Consumer complaint received 2023-09-20
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc. (IL)

I took out a personal loan to consolidate debt with XXXX XXXX some time ago. With this loan, the monthly payment amount was about $ XXXX, so I set my personal bank account to send a check every Friday for {$200.00} ( So, $ XXXX $ XXXX ), keeping me well on schedule for loan payments. 

In XXXX of XXXX XXXX XXXX apparently got out of the personal loan business and turned everything over to " Systems & Services Technologies, Inc '', or SST. THIS PROCESS HAS BEEN A NIGHTMARE. Seriously, XXXX this SST company and see how terrible they are. 

I've been dealing with them since they took over - My bank has been sending them {$200.00} payments, every Friday- which I have record of. SST processes some, doesn't process others, waits until it's been 180 days+ so the checks get declined, etc. All of this compounds additional interest on my account. 

I requested everything they had on my account back in XXXX and they failed to provide me with this information. 

I called today, again, to request this information. While doing so, I checked my credit report to find that they've written off the account and notated on my credit report that it's " Bad Debt '' - greatly impacting what was a XXXX Credit score. Speaking with this poor SST rep, he's like " Yeah, I see where you made a bunch of payments in XXXX and another batch in XXXX [ or maybe he said XXXX ] '' and I'm like, yeah, I bet those were all {$200.00} payments. He confirmed that - and it's not that I made a bunch of batch payments - it's that they didn't process them when they received them!
Consumer complaint received 2024-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc. (CA)

I applied {$4000.00} credit from dell XXXX  last year on XX/XX/XXXX, and I should payoff this full credit amount on XX/XX/XXXX. I did payoff it up to {$4100.00} after I check all my transaction, but they still charging me interest fee up to {$890.00} because my account shows that I still owe XXXX bucks in the credit. I feel confused to it and double contact their agent. them they give me the answer like this. on XXXX, XXXX, I used this {$4000.00} credit to purchase a product with payment of {$4000.00}, and on XXXX I also used this {$4000.00} credit to purchase another products and because I also use this {$4000.00} credit to purchase another product, so they are charging me XXXX monthly fee at the same time not only for that {$4000.00} product but also that {$890.00} product. it is the combination fee charging at the same time. they give me the explanation like this. that is like a scaming. an illegal way of making money, usually by tricking people. 

I feel unfair First I signed the contract to payoff {$4000.00} in XXXX year with no interest, and In XXXX year, I paid up to {$4100.00} bucks already and they should not charge me interest fee second, I never sign to accept paying double monthly fee at the same time at all
Consumer complaint received 2024-08-22
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-25
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. (NM)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XX/XX/2024 I received a text msg from Chase asking if I made a charge in the amount of {$760.00} at an XXXX XXXX in XXXX. I texted no. Then I called Chase to identify erroneous charges made in California. Subsequently I was sent the next day a regular Chase XXXX XXXX. I applied and was approved for a XXXX XXXX XXXX card with a 5 % cash back with XXXX XXXX XXXX XXXX 

The CC I got in the mail and subsequently added to XXXX, did not give any rewards on XXXX as usual. When I called to ask about this issue I was NEVER given the same answer twice. I was told I did have THE prime card. So I looked it up. If its a prime card it will say so. 

When I was told that there was a product change on XXXX XXXX, MY QUESTIONS were who did this change and how. I was told the change occurred thru the internet and also told the person that stole my identity actually called in. Regardless, I advised Chase my info was taken ( birth cert annd SSN ) and I did not call in on XXXX to request ANY change. 

I then subsequently attempted to reinstate my originally issued CC for the terms I have accepted. 
On XXXX XXXX I called Chase XXXX XXXX during these times. XXXX, XXXX ( supervisor ) XXXX, ( supervisor ) XXXX, XXXX XXXX, XXXX, XXXX and finally XXXX to file a complaint they would not take. 
I also reported to Chase that Im a disabled combat veteran and that THIS entire situation has been triggering. 

While on hold I applied for the Chase XXXX rewards card. The response that came back was XXXX, you already have a prime card It was obvious to me that if I could not get a resolution in 6 days, XXXX telling me they DO NOT CONTACT CHASE TO REPORT PRIME STATUS, when this is EXACTLY what XXXX Chase supervisors said to me. So I walked into a Chase branch and described the issue. The manager agreed that the customer should not be penalized for identity theft. Which is exactly what occurred. I subsequently closed the account I never authorized, XXXX XXXX card. I also withdrew my XXXX XXXXXXXX CD taking the penalty because Chase is not a company I want to do business with. 

This seems to be a classic bait and switch. 
Offer one CC and be approved then get sent a totally different CC with less benefits. 

Why is Chase punishing their customer for having their identity stolen?
Consumer complaint received 2024-08-28
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. (GA)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Improper Credit Reporting by TransUnion, and XXXX Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies TransUnion and XXXX for improper credit reporting practices that violate the Fair Credit Reporting Act ( FCRA ) requirements. The issue pertains to adverse remarks placed on my credit report by XXXX XXXX, which are maliciously recorded and do not meet the legal standards set forth in the FCRA. 

Specifically, my credit report contains the following remarks from XXXX XXXX : " Charged off as bad debt '' " Charged off account. Account closed by credit grantor '' " Account information disputed by consumer, meets FCRA requirements. '' These statements are inaccurate and misleading, as they do not comply with the FCRA 's definition of what can be reported. According to Section 603, Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

Per business law, the term " transactions '' is defined as events associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract. A " charge-off '' is a transaction related to a contractual obligation between myself, the consumer, and XXXX XXXX . Therefore, reporting this information is a violation of the FCRA, as it pertains solely to the " transactional '' relationship between myself and XXXX XXXX and should not be included in my consumer report.

I believe that this erroneous reporting is not only a breach of my rights under the FCRA but also has caused unjust harm to my creditworthiness. I respectfully request that the CFPB investigate this matter thoroughly. I also ask that the credit reporting agencies remove these adverse remarks from my credit report in a timely manner to correct these inaccuracies.

The inaccurate information has negatively impacted my credit score and my ability to secure credit on fair terms. Immediate action to resolve this matter would be appreciated.

Thank you for your attention to this complaint. I look forward to a prompt response and resolution.
Consumer complaint received 2024-09-11
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Onity Group Inc. (CA)

XX/XX/ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Reverse Mortgage with PHH Mortgage and Delays in Loan Closing Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against the reverse mortgage company PHH Mortgage for the excessive delays that have been caused in the loan closing process with my lender, Loan Depot.These delays have been ongoing and have not only caused significant frustration but have also resulted in financial and emotional strain, as I am attempting to fulfill my duties as executor of my fathers estate.

PHH Mortgage has consistently delayed releasing necessary documents attached to the appraisal and has failed to facilitate the smooth transfer and closing of the loan. These delays have directly impacted my ability to settle this reverse mortgage in a timely manner, despite my continuous efforts to move the process forward. 

Additionally, the delays have led to the accrual of fees and expenses that I believe are unwarranted. I am requesting that the CFPB investigate this matter and intervene to have these fees reversed, as they are a direct result of PHH Mortgages handling of the case. Furthermore, I ask that PHH Mortgage be required to take immediate action to release the necessary documents and allow the loan closing process to proceed without further obstruction. There is a sale date now due to them for XX/XX/XXXX even though they are the ones holding up the loan closing. 

As the appointed executor of my fathers estate, I am seeking to resolve this matter promptly in accordance with his will. PHH Mortgages negligence and lack of cooperation have greatly hindered my ability to do so. I respectfully request the CFPBs assistance in ensuring that this issue is resolved fairly and that I am allowed to close the loan as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX Executor and beneficiary to XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

COLUMBIA DEBT RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) dba Genesis Debt Recovery was collecting a debt on behalf of XXXX XXXX an old apartment of mine. XXXX XXXX XXXX ( XXXX ) failed to contact me about debt and only contacted my XXXX XXXXXXXX XXXX XXXX XXXX. Colt failed to pay debt and I was never notified. I found out about debt from credit report and paid XXXX XXXX XXXX XXXX XXXX XXXX sent me email and receipt of payment and told me they would contact COLUMBIA DEBT RECOVERY and have the collection account closed. I filed a dispute with XXXX, and COLUMBIA DEBT RECOVERY lied and said they still have an open account and debt to collect with me. I have contacted them several times, and spoke to a XXXX XXXX XXXX at COLUMBIA DEBT RECOVERY about removing the debt from my credit report. XXXX said he would remove it and send me confirmation account would be closed but still has not removed it or sent me the confirmation the account is closed.
Consumer complaint received 2023-03-15
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. (FL)

I greatly appreciate you removing a portion of the fraudulent items off of my Credit File but I believe you still report a portion of the disputed items that resulted due my identity being stolen. I am requesting you to please comply with the Fair Credit Reporting Act section 605b and have the disputed items deleted off of my Credit File as soon as possible. I have read that under the provisions of the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by Federal law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, I request that you send me copies of proof of verification or any documents you might find bearing my signature to support such claims. If you found no documents, immediate deletion of the disputed items is to be expected. Once again, I am requesting you to please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I checked my credit reports and saw inquiries that I did not authorize or make. Please not that there are extended fraud alerts on my report. But somehow these inquiries are on my report and there's no account in connection with these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit reports and saw inquiries that I did not authorize or make. Please not that there are extended fraud alerts on my report. But somehow these inquiries are on my report and there's no account in connection with these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation (SC)

My original balance is {$720.00}. XXXXXXXX XXXX  is {$900.00}. How is my balance {$4700.00}. They came and got the collateral per court order and nothing else was added. The account should have been paid in full.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, I received an email from Barclays stating that my credit line was dropped. I have been a loyal customer for over 20 years. My credit line was increased due to loyalty a few years ago.First, this was not a 45 day notice ( payment is due on XXXX of the month ) Second, I have not missed a payment and have always been on time. I am a XXXX XXXX living on social security, trying to get by in these difficult times! I never thought I would use a credit card to buy food and help get by to pay insurance, and other necessities. I dont how I will survive in the next few months, which has me scared. I knew I had a backup! Then on XX/XX/XXXX, I received their letter saying my credit line was dropped due to report from XXXX XXXX with credit score of XXXX. I absolutely dont know what to do! You realize what difficult times we live in. Im praying for a miracle but frightened now and dont know where to turn. Please help me, I beg you, give me a little reassurance please. Thank you for your time.
Consumer complaint received 2024-08-06
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. (AL)

Requesting monetary relief multiple attempts to correct reporting, inaccurate reporting on a fraudulent account remove from credit report Transunion see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MD)

I opened a US Bank XXXX XXXX checking account XXXX on XX/XX/year> with a promotion that if you deposit {$25000.00} or more and maintain from day XXXX until day XXXX, you get a bonus of {$800.00}. I deposited more than {$25000.00} within 30 days of account opening and had maintained the fund. 
However some time in XXXX, US bank seems to have closed my account. Since then I have not received my fund of more than {$25000.00} back to me yet. Also, it means that I met the {$800.00} bonus requirement since 61 day since the account opening was XX/XX/year> and my more than {$25000.00} fund was kept at US Bank past that date until even now. 
I request US bank to return all of my fund as soon as possible and also provide me the {$800.00} bonus as advertised and promised when the account was opened with the promotion.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Requesting monetary relief multiple attempts to correct reporting, inaccurate reporting on a fraudulent account remove from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-21
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. (IL)

TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.