davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have filled out Modification paperwork two times first on XXXX. And again on XXXX. And as of today XXXX I have not received any response from the bank. I was defrauded by Fifth Third Bank. Contacted The OIG they opened a case File # XXXX on XXXX XXXX days later XXXX at XXXX the bank went to XXXX XXXX and Removed the lean from my property, However now they are 20 months later still NO solution delaying an answer for my modification making it more probable for the bank more fees charged and interest increasing the amount to the Bank. This is a Predatory Practice and Im asking for Help!
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

I have a Chase Bank XXXX which is an affinity card with XXXX XXXX. There is an annual fee. I never use the XXXX and this year I called Chase to cancel this XXXX. They want an annual fee paid nevertheless, and now with interest any payment penalties. They have closed the account, but nevertheless insist on payment with increasing interest and penalties.
Consumer complaint received 2023-01-25
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. (FL)

TransUnion has violated my rights and are reporting wrong information in my credit report. These accounts only appears in TransUnion credit report and this is severe violation of the Fair Credit Reporting Act. 
In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate. 
These accounts are not reporting to XXXX and XXXX credit reports, they already removed and Transunion don't want to remove the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX I paid a XXXX XXXX XXXX sent me, on line using my bank, XXXX XXXX XXXX 
It was accepted. Then, for the next, 6 ( SIX ) months, they have refused to acknowledge that this bill was paid in full, on TIME. They continue to accrue interest, penalties and fees on that {$210.00}, no matter how many calls I make to XXXX XXXX and their collection Bank, XXXX! 
My over XXXX point credit rating has plunged more than XXXX points, making it impossible for me to do anything requiring an excellent credit rating. 
I have a file an inch thick on paper work associated with trying to get this straightened out. XXXX XXXX XXXX bank have recorded their letter to them stating that the bill was paid on line through their financial institution ... .everything completely ignored! When I am actually able to get through to a real person from either XXXX or XXXX XXXX, I am treated with no respect, threatened, put off, hung up on ... .transferred to others who insist I repeat the whole story to them over and over and over.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2019 I applied to open a checking and savings account with JP Morgan Chase to which I was approved. I made a deposit to my checking account because disclosure stated I needed to make a deposit within a specified time to which I did. I used my account accordingly and was in the process of setting up my direct deposit with my employer. On XX/XX/2019 my fiance attempted to send money to me via a feature called XXXX however the payment she tried to send did not go through. Upon realizing this I called Chase to find out that my account was in the process of being closed. I asked why this was happening and three different representatives stated that chase chose not to do business with me and this is forever. I can never have a chase account as long as I live. They did not give me a reason or anything, the representatives stated that " it is what it is '' and according to the disclosures chase sent they are able to close an account without reason. MY complaint is that if this was the case why did the compliance allow me to open my account in the first place. I did not overdraft my account nor did I have a chance to even have my direct deposit to be deposited into my account.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

Hi I am hoping to be able to get help here, I have a mortgage account with Santander Bk Account # XXXX. I am having lots of difficulty. I make my payments on time all the time. I am unsure if Santander is misallocating the funds or they are not providing accurate amounts. They also keep changing the amounts. I keep making payments and we keep having issues. When I call there seems no-one to speak to. I am hoping you can help me out.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (NY)

Discover Card has increased my monthly payment monthly for the last several months. I have never missed a payment or been late, consistently paid over whats due, and have not used the card in months ( therefore not causing a balance increase ). They claim its due to a variable interest rate, however, I have never received notice for interest rate changes. I also never began receiving the increasing payments until I ceased using the card while only making payments to reduce the balance. 
I believe Discover Card is failing to notify of interest rates along with unfairly applying interest rates.
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I am unable to verify my identity even though I answered the questions accurately. This has happened with Equifax and XXXX ; I had no problems with XXXX. It looks like someone opened accounts using my information and obviously I do not know any of the information pertaining to the debtors.
Consumer complaint received 2021-02-15
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)

I have sent letters to the credit bureaus, called Tham and dispute account and inquiries, they continue saying that they are verified. However, as per the Credit Report Act, the bureaus have not provided any proof of verification, and continue to report unverified and false information in my report which is hindering my score.
Consumer complaint received 2023-06-22
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. (TN)

My Name is reported inaccurately. I would like to see it fixed rapidly. My personal information is essential. It is defamation of my character. There should be any damage to my report.
Consumer complaint received 2023-03-01
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)

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. 

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 XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-14
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. (NJ)

XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX, NJ XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
Account name XXXX Account number XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-03-01
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. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (CA)

XX/XX/XXXX I discovered my info was in the XXXX data breach and was given a settlement Claim along with 7 years of free credit reporting, I have yet received any. I filed an FTC ID Theft Affidavit and sent it all 3 credit bureaus and asked for investigations. 
I ordered credit reports and had found many fraudulant and erroneous info on my report. 
I researched and found out that the addresses EXPERIAN, XXXX and XXXX were either a commercial building or a XXXX. I XXXX not live at a business nor a XXXX. 
EXPERIAN has refused to delete the erreneous addreses and accounts that are clearly not mine. 
15 U.S.C 1681 FRCA everything must investigated and accurate. I believe Experian is violating many rights of mine by refusing to delete the erroneous accounts whilst reporting erroneous and inaccurate information on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not mine and needs to be deleted.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

A horrible company keeps trying to put an erroneous debt on my credit report ( XXXX of XXXX, XXXX ). I have disputed with the XXXX AG office, XXXX and XXXX. All have never received value info from this company and deleted the information from my credit report. However, Equifax is not reporting correctly. They show a statement " Consumer disputes this information '' and are showing a " reporting date '' of XXXX!! I cleared this mess up in XX/XX/XXXX! I have no idea why Equifax is not deleting the item which is hurting me financially, instead of putting some statement on as if I have not proven I do n't owe OR XXXX has proven that I do. Why are the allowed to make me look like a deadbeat and not delete this information? Equifax has shoddy reporting and I want this OFF of my credit report. I 'm attaching the previous letters & my complaint number with my AG office from over 2.5 years ago. I will also file a complaint regarding XXXX.
Consumer complaint received 2023-03-01
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. (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 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 2023-06-22
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX I OWE THEM {$160.00}. XXXX XXXX XXXX I HAVE 8 LATE PAYMENTS.

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.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

I was shopping aroung to get a morgage loan and bank ran 2 times a hard inquire on my credit report, the first one on XX/XX/2022 and the second on XXXX XXXX They should not ran it twice without my express consent. I disputed this to the reporting agency ( Dispute confirmation number [ XXXX ] ) and They did not investigate properly, attaching results of their investigation.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has taken more than 30 days to investigate and remove this fraudulent and inaccurate info from my report. 
XXXX XXXX for XXXX XXXX at XXXX was placed on my report in 2019, literally several years after I had any association with XXXX XXXX and XXXX. This is clearly fraud on the part of the company to try to frighten me to give money they are not entitled to. I ended my lease legally as I had to tend to family medical emergency and had government reassignment. It was understood when I left and there was no balance do! Its fraud to come back 2 or 3 years later and try to extort money from someone! 
The company XXXX is located in Georgia, not in the State of Texas. According to federal law it is illegal for a debt collector to try and collect debts out of state. This company is in the top 5 most complained against companies in its class and on BBB and CFPB. They are notorious fraudsters and have lawsuits against them. Transunion is resisting following to law and its efforts to maintain this false info on my report is hindering my efforts for housing and other financial instruments. They must delete this info immediately. The other CRAs have long since removed this because they know the reputation of the company and know that what I state is true. Only a lazy and illegitimate investigator would report something as verified from these guys! It should have been removed the first time I asked them to.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 antedate 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 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a Capitol One Business card. On XXXX, my credit limit was cut in half for no other reason than I don't use it all. I have had a business card with a XXXX credit limit with another cardholder for years. A few years ago I moved to Capitol One as they offered a card with the same credit limit. I do not spend anywhere near XXXX, in an average month, but I need to keep the higher credit limit in case of an emergency. My business is such that I could easily end up with an emergency bill for $ XXXX {$10.00} and I need a card with that credit limit for such emergencies. This is the second time that Capitol One has cut my credit limit for no other reason than I don't spend that much. I ALWAYS pay on time, I keep the card paid in full, and my income level has not decreased. So, there is absolutely no reason to cut my credit limit. If I qualified for the XXXX credit limit last month, I still qualify today. This happened once before, and I was able to simply restore it. But this time, they refuse to restore it back. I attempted to call customer service and the agent was very unhelpful. Did not offer any help or resolution and flat-out refused to do anything. I need my credit limit restored and locked in place. If I don't pay my bill or there is a valid reason to drop it, then fine. But it needs to be locked in place otherwise. I do hope to never have to use the full limit, but I do need it to be available in case of emergency. 

My credit limit needs to be restored and never again adjusted " because I don't use it all. '' I need a business card with a XXXX limit in order to have it available for emergency use if needed. If Capitol One can not provide that, I will close both cards I have with them and move to another company that will provide that.
Consumer complaint received 2023-03-01
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. (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 XXXX
Consumer complaint received 2022-09-14
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. (CA)

THIS COMPANY WILL NOT REMOVE THE INACCURATE INQUIRIES THAT ARE ATTACHED TO MY CREDIT REPORT. Recently upon viewing my report Ive noticed a bunch of inaccuracies, upon me reaching out to the company they assured me Id have to reach out to the original creditor which I have, they can not verify the inquiries and have no explanation as to why the companies ran my name. I am demanding this company removed them!!