davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

Long story short, I used XXXX XXXX when I lived in TX. They abruptly raised my rates significantly and I called in to dispute some outrageous bills that were set on autopay. I spoke with their rep XXXX to get things fixed with the rate increase and credit the account. What she said she was going to do never happened, I changed service contracts and negotiated the balance due via email and phone calls. I agreed to pay the amount of around XXXX back in XX/XX/ and ask for an invoice to be sent with that final amount so I could pay. I got no invoice and no response, I followed up again weeks later about not receiving anything yet and if there was no response I would consider the matter closed. Never heard from them again until.. I tried to get a business loan and for the first time a collections amount of about XXXX dollars or so shows up from XXXX. I immediately reached back out to XXXX vie email and phone, and complained to the XXXX  because of their A+ rating I knew I would get a call back. XXXX did. XXXX was not able to offer any assistance but another rep that dealt with XXXX complaints stepped in and took blame and offered to credit the account and remove the negative credit remark from my credit. This remark is still on my account after several attempts with both XXXX and Equafax to get this item removed. Equafax allowing them to report and keeping the late payment on my credit is insane. I can only ever talk to someone at Equafax that misreports my dispute and wont allow to talk to anyone directly about this dispute. No I have a XXXX dollar charge off balance and a late payment. Both are making my score less than XXXX which is needed for my XXXX XXXX approval. This has taken moths of waiting for credit updates from XXXX ( which they have now sent multiple times ) and my score to change. I am not reopening this dispute because both the late payment and charge off are still on report and keeping my score lower than it should be. I take pride in paying my bills in time with this being the only delinquency on my credit. I need help to get this dealt with ASAP! Thanks!
Consumer complaint received 2023-12-31
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION (OR)

I am participating in a promotion from PenFed Federal Credit Union. The promotion was regarding bonuses for every {$10000.00} that is kept in a Premium Savings account. 

I opened the Premium Savings account solely for this promotion. 

I transferred {$10000.00} + {$10000.00} into my PenFed account. I have the funds to cover it. 

1 week later right as the promotion date ended, I noticed the subtraction of {$10000.00} and on top of that a {$30.00} FEE which shoved my balance below the {$10000.00} amount for the bonus. 

I can not even fathom. I am so angry right now. I am 100 % certain that the funds were available to cover the {$10000.00} transfer.. it should not have been reversed and to add insult to injury a {$30.00} fee to disqualify me from the transfer promotion?
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (LA)

I was out of the country in the XXXX from XX/XX/XXXX until XX/XX/XXXX and during that time ASPIRE credit card by XXXX XXXX XXXXXXXX started charging me a service fee that I was not aware of every month. All my other accounts were on autopay and because I wasnt using this card, did not have access to it nor log in information, email or mailings for this company so they never notified me! I told them I have never paid a bill late and they were dismissive and rude saying nothing they can do about XXXX day lates I never used the card for transactions! I tried to get them to fix their mistake and they refused and were rude.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (FL)

Since XX/XX/XXXX, I can't access my Chase mobile app. Because of this I can't make any transfer, check account balances or pay my credit card. 

The same day ( XX/XX/XXXX I reported this situation with the chase technical team & the havve n't resolve my issue yet, it had been 18 days. 

Per last time they give me a resolution time that expired doday & I'm still not capable to ha visibility on my accounts
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They blocked my account for " security reasons ''. When I inquired about why, they wanted to verify I own the payment account. I informed them that I do and that I shouldn't have to prove that I own the account. They said under the terms of use, they can. They did send me the terms of use, and after reviewing it, there is nothing saying that I have to prove that I own the payment account. I have been unable to use the account even though I have fully paid the account.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (GA)

I've received approx. 12 calls from this company in one day. 
After I spoke with 2 people today, Friday XX/XX/23 and requested the mailing address so that I can send a validation of debt, my request was denied. I also asked the name of the creditor or merchant of this said debt ( NOT the bank the supposed credit card was issued by ) and that information was not provided either. I have never received any notification from this company via mail, either.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (AZ)

I called on XX/XX/XXXX at around XXXX XXXX  Arizona Time. I attempted to inquire about a collection placed on my credit report. They did not provide any data regarding the collection. They said that they could only give me written confirmation about the handling of the collection if I paid the amount. They never provided any proof that they were a legitimate collections agency and refused to help in any way to help me ascertain more information. They wrongly placed a collection on my Credit Report, and would not give anything in writing regarding it, they also never contacted my phone number they gave a phone number that did not belong to me and was not on my account with the Creditor in Question, they also were using shady tactics to solicit payment, they also confirmed that they had an incorrect address on file and when I said that neither the phone number nor the address belonged to me they said well that's not our problem and refused to take any sort of mediation or arbitration to try and resolve the unfair collection. They also refused to update my information to make it accurate, so that way if there were any further communications I would be aware before having a collection put on my account. I can also not provide documentation due to the fact that they would not provide any. I did provide the statements from the Creditor 's website to establish that this was indeed an unfair collection effort as you can see in the screenshot I have a credit balance and my contract with the Creditor ended on XX/XX/XXXX, thus anything after the fact is not an authorized charge and they also have not explained why I show a credit balance for all dates post contract termination and they have also not explained why this was sent to collections and they can not provide statements on the itemized charges so I can determine the legitimacy of those charges, this is extremely unacceptable.I did not visit in person I just contacted what was provided on my credit report due to the fact that they had not sent anything to me prior, and the conversation I did have on the phone with the company in late XXXX, where I disputed the balance was not on the record. XXXX was not able to substantiate the amount with statements in any way and when I disconnected the service I was told I did not have a balance outstanding
Consumer complaint received 2023-07-20
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. (KY)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Un-Authorized Inquiries 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 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 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 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX has reported incorrect/damaging information on my consumer report. The report is a defamation of character as it gives the impression I commit fraud- NOT TRUE, and I do not pay my debt- NOT TRUE. My account was closed XX/XX/XXXX original reason was Closed For Cause-Purged Previous Account Status : Closed For Cause. XXXX advised I owed a debt, XX/XX/XXXX I paid the debt then the creditor updated my information as paid- ( after me calling back to back for a year to get this correct ) however they also updated the information stating the closure reason is now account fraud as of the payment date XX/XX/XXXX. This caused all my account including auth accounts to be restricted, unable to use a debit card, and all my benefits and loan opportunities from my bank were dissolved. This information has severely impacted my financial health and my life. Early warning have been notified i have filed disputes, they have not provided any information as to how this can be accurate. XXXX XXXX XXXX as well as early warning both have class action lawsuits in the works, and have lawsuits pertaining to this. XXXXralish v. Early Warning Services , LLC FILED : JUNE 17, 2022 Becker v. Early Warning Servs Early Warning Servs. v. Grecia STEWART v. EARLY WARNING SERVICES In June of 2017 a federal lawsuit was brought against BOFA, Ruane v. Bank of America, this situation is very similar to mine. I have filed a complaint years ago detailing how the reporting left me homeless and caused severe harm to my physical and mental well being due to the financial distress I was placed under. I need this resolved. I can not afford to take care of my family. I cant afford life saving meds. Please remove this report or update it fairly. This is evil, its not fair, its not right, its wrong to treat people like this. This is not fraud on my part but on both XXXX and Early warning for wrongfully reporting this information, especially waiting until after receiving a payment from me. This is a shame.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX Chase closed my account for no reason, I havent called them for few times, they didnt give me the reason just closed my account.I havent been used the account 2 years, I'm a loyal customerI recommended my boyfriend open an account in Chase and deposit all the money in Chase . We are about to get married and open a joint account. Chase closed my account, so we can't open a joint account as a couple, It caused me a lot of trouble.I request Chase to restore my account please
Consumer complaint received 2023-11-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX 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 2023-12-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC (NY)

Shell point mortgage upcharge my pre-foreclosure home costing me XXXX from a failed contract when they publicly publicized a pre-foreclosure measure rate at the end of my first contract back in XXXX spiraling the mortgage out of control and losing that contract by the buyer you're sending what these dirt balls take all my regular payments of 35 months and put none of it towards the principal they charge me double the attorney fees by hidden fees and codes and they also try to double my taxes when they got government money and they still withhold my XXXX that shows this payment from the government to XXXX XXXX and Shell point and there was holding it for me today currently is my taxes are still held up for 3 years extreme pain and suffering they stole my home their third-partied me to debt collectors to mitigate the liability just like the government does with third party institutions which is the biggest XXXX scheme in the world this is no laughing matter you stole my XXXX home why would I be another another victim of scamming because it's the great take and there's nothing we can do about it thank you government for allowing Banks to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn the street my home is gone now my security is gone my hopes and dreams are gone it's middle of winter up here in XXXX New York you XXXX you XXXX XXXX my home you XXXX  stole my home
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-08
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc. (OH)

XXXX XXXX did not provide quality product or services as agreed upon originally. Also, did not disclose all terms upfront in original agreement. Specifically, that some courses require proctor services that the student is responsible for paying not the institution. These are services they are imposing why is the financial responsibility on the student? If XXXX would have disclosed this upfront I would not have continued there. Then charged lates fees on to the amount owed to ultimately increase the balance.
Consumer complaint received 2023-11-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

XX/XX/XXXX, bought a mattress from XXXX XXXX in XXXX CA. This was a promotion the salesperson asked me to sign up for stating that it would help his store etc. Terms of promotion were waived interest if paid in full by XX/XX/XXXX. I did, then received statement in XXXX showing that Fortiva posted all back interest to my account. I made several telephone calls thereafter to find out why and let them know they made a mistake. I could not communicate with representatives as I could not understand them and decided to write a letter requesting explanation. I never received anything, I called numerous times after sending letter, then wrote another letter, still no response from Fortiva except for a billing statement that showed they had applied a late fee tacked onto the interest Fortiva charged back. 

I have called repeatedly as I am in the process of purchasing a home and found out this afternoon Fortiva has reported XXXX balance and a XX/XX/XXXX day late. The XXXX  balance is correct, the XX/XX/XXXX day is not. I called Fortiva again this afternoon and requested American representative to speak to, I was told that I was calling offshore and that to speak to American representative I needed an appointment... this is totally unacceptable! 

When I spoke to the XXXX manager this XXXX XXXX XXXX ; ID XXXX ) she was not helpful as we had communication issues because she had a very strong accent. When I called in on XX/XX/XXXX, to go ahead and pay the interest they charge back I ask if account was closed, requested they send me a letter stating that and also to send letter stating account was XXXX. I was told by that agent ( XXXX XXXX XXXX that the account showed current, no past due and after payment posted would be XXXX balance. 

I only agreed to pay the interest so there were no issues with our closing of the home we are trying to purchase. I paid the account in full in XXXX and then they tacked on the interest and said we were late, even though we have a XXXX balance. This has dropped my credit score over well XXXX points and may cause me to lose the loan for our home. It is an outrage how Fortiva can do this to us! The account was paid in full before due date. After account paid in full, they assessed interest on us, which we had no idea until applying for a home loan. This is when we discovered Fortiva had report a 30/60 and 90 day late on our account that had been paid in FULL. 

This is wrong that Fortiva can do this to hard working people that paid their account off. They have affected my credit score so badly that we may lose our home loan. We really need help with this immediately, as this is WRONG!