davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (PA)

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Global Lending service Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX service takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2023-10-19
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

Chase is charging me {$7.00} interest on a credit card, despite the fact that I agreed to a balance transfer with 0 % interest. 

They are citing my annual membership fee, which I paid without letting it carry over into the following months statement. 

They are also citing a transaction which was full covered by a membership benefit. This is unfair, predatory, and misleading behavior. 

I should not be charged this {$7.00} in interest.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021. I received a reply from EXPERIAN that the information i reported was accurate and would be updated. Instead, they deleted the account from my report. I only asked that they put the correct beginning balance on of my mortgage which was {$140000.00} and not what they were showing. I have even gotten the mortgage servicer involved which is XXXX XXXX XXXX XXXX and i am still not seeing any correction. I have tried calling but can't find a number where you can talk to an individual. I tried disputing this under the previous mortgage servicer, but it does not allow this.
Consumer complaint received 2022-04-16
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 XXXX Account # XXXX, has violated my rights. 

1

5 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 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Transunion, You are breaking the law XXXX Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. Transunion is being sued for their inaccuracy according to the CEO of the CFPB. 

You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me. 
This is my third attempt.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (IL)

I got an email from Chase Bank saying that my account was being temporarily closed do to suspicious activity. Today XXXX I git a letter in the mail saying that a merger between XXXX XXXX XXXX and Old XXXX XXXX  is forming and to continue making my loan payments as usual. I didn't open neither of these accounts. Someone is using my Identity.
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Received bills from XXXX XXXX for services related to out patient XXXX. My insurance carrier ( XXXX XXXX ) required multiple pre-authorizations which were provided as directed. XXXX was in XXXX of XXXX. After receiving bills for hospital services I contacted the Hospital for direction and they suggested that my Insurance Carrier should be contacted. I kept receiving bills from XXXX XXXX which I kept disputing because they ( XXXX XXXX XXXX had not divided the bill nor did they bill the correct insurance ( coded incorrectly repeatedly ). XXXX XXXX resubmitted the account for insurance and was paid a portion of the outstanding debt by XXXX XXXX. I received a corrected bill from XXXX XXXX and paid that bill within 7 days of receipt. In the mean time, this account was sent to collections and I disputed this within the 30 day time frame with each of the 3 reporting agencies. All agencies EXCEPT XXXX removed the information after confirming that account was not eligible to be sent to collections. 
When I disputed this account in XX/XX/XXXX with XXXX once again they stated the information is accurate. Clearly they never researched this account. I demand that the collection account be removed for being inaccurate.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have requested that M & T Bank update my new mailing address to : XXXX XXXX XXXX XXXX, NJ XXXX. M & T Bank ACKNOWLEDGED my request, but CONTINUES to send correspondence to my OLD ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX. Thankfully, the United States Postal Service is forwarding my mail to my new address, otherwise, I may not receive any mail from M7T Bank. In addition, M & T Bank refuses to send me an updated bank statement that DOCMENTS ALL of my most recent transactions. I am requesting your immediate assistance.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX, located at : XXXX XXXX XXXX  WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from Zales Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the XXXX XXXX XXXX XXXX requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and 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 On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " XXXX '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX we ( XXXX & XXXX XXXX ) issued a credit freeze request to all 3 companies due to news reports of online fraud. In XXXX we wrote letters to all 3 to lift the freeze off our accounts. I have confirmation letters from all three that cancels the freeze ; however, Transunion never did that. I have called, I have written numerous letters, etc. but I just tried to change my electric company to lower my rates and once again received this message : " We have been notified of a credit freeze by TransUnion credit agency and are unable to process your service request online. Please contact TransUnion at XXXX for more information and to remove the freeze. Once your inquiry has been resolved please re-submit your order here at XXXX  or call XXXX at XXXX to submit your order for this plan over the phone. '' I am XXXX XXXX XXXX. I can not deal with these people again. They lie. We cancelled this freeze 4 years ago. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (GA)

In regards to the XXXX XXXX  and XXXX account listed on my consumer report. Ive allowed XXXX, Equifax and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

I was under a special promotion with XXXX XXXX XXXX that was going to end XXXX qtr 2021. I contacted XXXX about obtaining another promotion and was offered a promotion by their representative. When next months bill came, they charged me full price of over {$100.00} for the month. I told them I was currently only paying {$67.00} total now and that I was offered a reduced rate by their agent and they should honor the rate. I told them was not willing to pay more and they could cancel the service if they were not going to honor the rate. They told me XXXX would not honor the rate quoted but they would give me a gift catd and some other rate. I again told them no, I didnt want it. I contacted the office of the president to complain about the tactics being used. The office looked into it and said the agent made a mistake, but they would give me a gift card. I told them no, not interested. Then they sent me a bill saying my service was never disconnected and I over over {$100.00} per month, thus the {$300.00} collection. I told them ai cancelled months ago and if I didnt wantXXXXto pay {$67.00} and a gift card, what in the name would make them think I instead would pay over {$100.00}. XXXX  has bad customer service and they are wanting me to pay for their agents mistakes. I do not owe a XXXX thing to XXXX and since they have a gift card they kept trying to give me, tell them to us that to pay for the fact that no one disconnected service after I told them too!
Consumer complaint received 2023-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

This month a collection debt for {$470.00} dollars appeared on my credit report. I have disputed it with all the credit companies, and nothing has changed. It says it's a collection account from XX/XX/2023... I have had XXXX XXXX XXXX  for well over 4 years. It also does not have any attached information, everything is blank except for saying " original creditor is XXXX ''. A couple years ago I repeatedly disputed a XXXX account that was a " XXXX  '' account line ( I'm nowhere near that age ) nor have any knowledge of that. I'm currently trying to build my credit so my family can get a house and this repeated debt that isn't mine is prohibiting me from doing that by further wrecking my credit.
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (NY)

To Whom it my concern, I am looking over my credit report and I noticed there was collections from midland funding llc for the amount of {$700.00}. I am also looking at the original creditor and this was all settled years ago. It had to do with glasses that I had purchased but returned for some odd reason it never came off my credit report when i had called them years ago XXXX bank agreed that this would be removed. I had thought it was due to there word. I have no dealings with midlund and I do not feel I owe them money under the fair credit reporting act. I never signed any documents with them and as for the original creditor I don't owe the money. Today is XX/XX/2022 this happened over 5 years ago and was all suppose to be fixed with sync.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (MI)

The account was seen on my credit report and I found some erroneous remarks in the said account. Equifax has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate this account and feedback within 30 days with deletion of the unverified account. 
XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2022-02-01
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. (NY)

XXXX  XXXX XXXX {$11000.00} Closed XXXX potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$11000.00} {$5000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$11000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Charge off 30 Days Late 60 Days Late XXXX XXXX BANK {$0.00} Closed XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance $ 624 Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Incorrect Names XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX APT XXXX XXXX, NJ XXXX
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I refinanced a mortgage loan ( Loan No. XXXX ) with Ditech Financial llc in XXXX 2016. I made my correct monthly payment of {$670.00} on XXXX XXXX, 2016. This payment reflected my previous payment of {$310.00} to cover an escrow shortage as requested in Ditech Escrow Account Disclosure Statement dated XXXX/XXXX/2016. As part of the refinancing process, I received an email from XXXX XXXX at the Originations Operations, located in XXXX, CA, instructing me to submit {$26.00} for an escrow adjustment. I sent that payment on XXXX XXXX, 2016. Ditech for some reason applied {$19.00} of this amount as a late fee. I contacted Ditech ( XXXX in South Dakota ) who said she would correct this transaction. I also notified XXXX XXXX and informed her of this error. XXXX replied to me in an email dated XXXX XXXX, 2016 ( XXXX ) : " For your information, you do not have late fees on your account and {$26.00} was not applied towards late fees, it was applied to your XXXX mortgage payment ... and were applied towards escrow account ''. After this correspondence I also contacted XXXX ( XXXX XXXX, MO ), XXXX ( South Dakota ), and XXXX ( XXXX XXXX, MO ) regarding getting this error corrected. All replied that they would involve their supervisors in correcting this error. I was also advised to contact Ditech via email to further emphasize the need for action. Today ( XXXX XXXX, 2016 ) a letter from Ditech explaining that my payment of {$26.00} was considered " late '' and therefore a late fee of {$19.00} was properly assessed. 

So after all these months Ditech is still unable to correctly understand the issue, nor are they able to correct the inappropriately applied funds. I am frustrated that Ditech personnel appear to be unable to make corrections in their system. Each person I have spoken to agrees that the funds were misapplied, but it appears the customer service reps are located in remote areas and have little or no contact with the main organization.