davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX  XXXX because all three credit bureaus, XXXX, XXXX  and Transunion deleted the XXXX XXXXXXXX account. I received an alert today. When I spoke to the bureaus informing them that they deleted the creditor which I paid the account to a XXXX balance, which by deleting the account it decreased my credit score. The 3 bureaus indicated that XXXX XXXX deleted the account and they are the ones who have to reinsert the account back to the 3 bureaus. I had previously discussed this issue with XXXX XXXX because the account was showing deleted from Transunion, I received an alert about the deletion. Well, instead of reinserting the paid credit card account, it was deleted from all 3 credit bureaus. I called XXXX XXXX today XX/XX/20 after speaking with the bureaus and explained to the representative that according to the 3 bureaus that they, XXXX XXXX had deleted the account from the bureaus and they stated that XXXX XXXX had to reinsert. She didnt comprehend what I was stating, therefore I requested to speak with a supervisor. She connected me to an individual by the name of XXXX, who was extremely rude and unprofessional and he did not have a clue whatsoever in regards to what he was talking about. Hes telling me that the account was deleted from the credit reports because of Corvid 19. I stated to him, that had nothing to do with my account. I paid the account months before the Coronavirus and the account reflected a XXXX balance. I tried to explain to him that the only thing could have possibly been inserted on the credit reports in general was that it was perhaps a notation of a major disaster, and not reporting late payments for 90 days. I tried to tell him that isnt what was going on in my case. I tried to tell him the account was paid out before the coronavirus and there was no need for my account to be deleted and he again said that is why it was deleted. This XXXX character, from XXXX, FL, kept cutting me off, telling me to wait, informing me I dont know what Im talking about, when I was merely trying to explain what transpired. I got upset and raised my voice and informed him, he was no help, extremely unprofessional, hes extremely rude, clueless and I would like to speak to someone else. He refused & nastily said, he could not help me. He needs to be terminated.
Consumer complaint received 2022-11-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (AL)

I C Systems placed a {$450.00} debt that was from XXXX XX/XX/2010 - XX/XX/2010 on my credit report. I had no knowledge of this bill until I received an alert from XXXX credit monitoring service that I even owed this balance. 

I called I C Systems today and was then told about the debt. They claimed to have sent notice of collections to a previous post office box that I had in Arizona. However, ALL of the information on my credit report is correct. Therefore, if they wanted to contact me about this, my current address is listed on all XXXX bureaus. They could 've also called me, because my current phone number is on all three reports as well. 

Instead of conducting business the correct way, they went ahead and placed this on my report without properly contacting me and giving me a chance to dispute this. This is unacceptable. My score has dropped XXXX points because of this. 

Furthermore, the statute of limitations is up for this debt. And they are still trying to collect anyway KNOWING that the statute of limitations is 7 years for this type of debt. Just pitiful. 

I have sent I C Systems an email letting them know that I am reporting them to the CFPB. Had I not seen this on my credit report, it would 've SAT there. I 've worked entirely TOOOOOOO hard to restore my credit and will continue to work to keep it secure. 

I have a severe disgust for companies that do things like this and I would like immediate action taken to not only have this DELETED from my credit reports, but this company needs to be fined. Cause if they 're doing this to me, they 're doing it to other people.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

Chase is refusing the apply my mortgage payments towards my mortgage balance upon receipt. They either wait several weeks to deduct my payment from my mortgage balance or wait until I contact them and ask them to deduct it. I have never done business with any company who refuses to apply payments as soon as they are received. 

Most recent ... .They received my payment of {$1000.00} on XX/XX/2020. They even sent an email verifying they received it. As of this today XXXX XX/XX/2020 XXXX, they have not applied the {$1000.00} to my mortgage balance. On XX/XX/XXXX, by balance showed {$43000.00} and today ( after having received {$1000.00} on XX/XX/XXXX XXXX, it still shows {$43000.00}. 

I have contacted Chase on several occasions and each time I was told it " would not happen again '' and I would " not need to call or contact them again ''. They blatantly lie and refuse to apply my payments when received. The following are prior dates and times of contact : On XX/XX/2020, I sent Chase a payment of {$1000.00}, which they received. On XX/XX/XXXX, Chase send me an email stating they never received it ... .even though it was showing in my account that they had. Sent an email to Chase. XXXX XXXX responded and said she resolved the issue, applied the payment and it would be fine going forward. 

XX/XX/2020, I called Chase since they refused to apply my XX/XX/XXXX payment. I spoke with XXXX XXXX for about XXXX hour. She assured me the problem would be resolved. She said her Manager, XXXX XXXX, would contact me and make sure I had no further problems. I never heard a word from XXXX XXXX and the problem continued. 

On XX/XX/2020, I sent another email since they had received, but not applied, by XX/XX/XXXX payment. Chase XXXX responded on XX/XX/XXXX saying he would apply the payment and stating " We have coded your account to show that you are making payments early, and they will now be posted as soon as they are received. '' Obviously, this has not happened on my last payment on XX/XX/XXXX. 

I am beyond frustrated and tired of calling and begging to have my payments applied towards my mortgage balance. I have to wonder if my balance is even correct at this point.
Consumer complaint received 2019-09-26
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)

im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( lXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

Synchrony ( managing credit purchases for Amazon.com ) has a practice where if you have a promotional balance, they do not let you know explicitly what amount you must pay to avoid paying interest if you may another purchase. On multiple occasions, the most recent being the billing statement ending on XX/XX/20, Synchrony has deployed a deceptive practice where they are charging interest on amounts that are not transparent. I have attempted to resolve this with the customer service reps and account managers but all I get is " We are working on updating the billing statements to reflect this but the script hasn't applied yet ''. This issue has been going on now for several months and they are misleading consumers into paying interest.
Consumer complaint received 2020-06-16
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: ACIMA CREDIT, LLC (TX)

ACIMA CREDIT FKA XXXX has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with ACIMA CREDIT FKA XXXX. Unfortunately, the problem remains unresolved.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

JPMorgan Chase Bank , N.A . has continuously asked for the same information in the re-financing of my existing mortgage. XX/XX/2020 a " Mortgage Commitment Letter '' was approved. It expired XX/XX/2020 without a closing date for the loan. It appears Chase is  delaying the loan by asking for the same information over and over again. If Chase does not want to do the loan, give me my earnest money back and allow me to seek another lending institution.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
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. (FL)

XXXX has reported an inquiry on my Experian credit report. There are no permissible cause for this inquiry. No line of credit were offered, no loan was extended. To continue reporting this inquiry on my Experian credit report it's a violation of FCRA rules section 1681
Consumer complaint received 2020-06-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CashMax LLC (TX)

I submitted a REVOKE ACH request for my bank account and debit card in XX/XX/XXXX, the payday loan company confirmed receipt and said I would need to make other arrangements to pay the loan. I have been unable to make payments due to my spouse losing his job due to COVID. They took it upon themselves to take {$230.00} out of my account on XX/XX/XXXX via electronic check, stating that I authorized it. I NEVER authorized this and my ACH revocation is on file ( see attached ). I was also given the option to call to make payments. They are refusing to do anything about this. I will now most likely have to close my XXXX account that I have had for 10+ years. 

In addition, the payment agreement on the terms shows an amount due of {$230.00} for XX/XX/XXXX, not the {$230.00} that was deducted by an e-check ( that I didn't authorize ). I have reported this to XXXX and they are investigating it as well.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

Step 1 : What is this complaint about? 

I tried to link my pnc bank account to XXXX XXXX. 

Step 2 : What type of problem are you having? 

But I got a message : pnc has made a change that prevents you from being able to link your accounts Step 3 : What happened? 

The page prevented me from going any further and referred me to consumer finance site. 

Step 4 : What company is this complaint about? 

XXXX XXXX. 

I tried to link my XXXX XXXX account earlier and was rejected when it was time to link accounts then too.
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX - returned XXXX XXXX XXXX vehicle back to chase at end of lease. 
XX/XX/XXXX - received letter from chase bank asking {$2500.00} as wear and tear damages in the condition report. 

I requested photos of damages. The damages in photos do not corelate to the charges in condition report. 

My auto insurance provider is requesting a detailed invoice of breakdown of charges ( labor, equipment etc ) related to a dent on right front door and right rear door so they can reimburse me for the damages but chase is not able to provide these details. I was not able to get a repair estimate from the body shop because I couldnt take the car to the workshop during COVID when I damaged the car.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2020-08-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DEISHCARGED XXXX XXXX XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX {$3300.00}
Consumer complaint received 2020-08-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} CHAPTER  XXXX BANKRUPTCY DEISHCARGED XXXX XXXX  XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$3300.00}
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (FL)

MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-07
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 (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand that with covid going on that things have slowed up. I have file disputes and still have not received anything. It's has been past the 30 days limit.
Consumer complaint received 2020-08-07
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. (HI)

This complaint is about Equifax. 
The problem I continue to face with Equifax is the high maintenance and continued effort on my part to ensure accurate reporting reflects on Equifaxs reporting. Equifax is one of three credit reporting agencies that the XXXX People are forced to use and reply on accurate and timely information shared with financial institutions. 
I ran my credit report on XX/XX/2020 as I always do at least once a month since I subscribe to Equifax. I noticed XXXX XXXX XXXX is appearing on my Public Records section of Equifax Credit Report. I did not know who or what business XXXX provides, so I called XXXX to see what this was about. The lady on the phone tell me they are a credit bureau for insurance companies and XXXX provides information to the carriers. why would my carrier call XXXX without calling me first. and I have had life, auto and homeowners insurance with the same company for over 30+ years, and did not apply nor inquiry for any type of insurance. How did this happen. They lady couldnt provide any other relevant information. 
Mostly importantly, why does Equifax post this information on my credit report in the " Public Record '' section of my report. Does this leave a scar on my financial report as being a criminal which I do not have in my entire life. 
Something has to be done with Equifax. I spend many hours trying to keep my credit report in very good standing, and Equifax continues to report falsely reports, and lies about my credit history to keep me from getting financial loans i am a dissatisfied customer of EQUIFAX, and i spend lots of hours trying to dispute many falsely claims on my report.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CO)

I attempted to apply for a CARES Act mortgage forbearance through PNC Bank - where 6 months of payments can be deferred until the end of the mortgage, with no balloon payment required. 

I was told that the only loan modification offered to me would be a 3 month forbearance, with a full balloon payment of 3 months of rent due at the end of the period. I was told the CARES Act modification was not available to me.
Consumer complaint received 2020-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

I applied for an increase in my interest-only HELOC. I was offered an increase after submitting the required paperwork and paying for the appraisal. I did not have a closing due to the pandemic. I was never told that PNC Bank had created a new loans and that the terms of the loan included the payment of principal and interest. I did not receive notice of the change until I received a statement that required principal and interest. 

The interest only loan is essential to my qualification for a loan to buy another home without having to sell my current home. I discussed this with PNC when I applied for my increase and was assured that it would not be a problem. The principal and interest loan causes my debt to income ratio to be too high to qualify for the home loan that I am hoping to close on in 45 days. That was the purpose I sought the increase in my HELOC. 

XXXX XXXX promised to research the issue and get back to me a week ago. I have left a number of unreturned calls. His supervisor promised to call me back but also failed to do so. A couple of weeks ago I was assigned complaint number XXXX.