davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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: 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 accounts, 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 accounts in my file : 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
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

I applied with my bank- XXXX XXXX for XXXX for a HELOC loan, filled out all kinds of paperwork, submitted and waited for the answer. I received a call from the woman at my bank stating they couldn't approve me for a loan because my credit score was too low for the loan I wanted. I said what was my score she said XXXX, I said that's crazy! when I logged into Experian it stated I was a XXXX down 3 pts from a couple days ago. I said that has to be wrong, my credit is very good 1/2 missed payments in almost 20 years. She suggested I call Experian which I did and talked to a woman there. I explained to her the situation and why does my score when I log on say XXXX and my bank is telling me I'm a XXXX? She said that the score can change based on different types of loans or something like that. I said then why don't you post my " Real '' score ( according to you ) instead of making me think I'm good when I wouldn't have applied and taken another knock on my score for the inquiry. 
This score reporting is anything but honest, it's DECEPTIVE at best if these XXXX companies can do this with peoples lives. How can they get away with this, some actuary putting a formula in that people see thinking they have good credit when it's the opposite. Can't you do anything about this? It's total XXXX 
XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

I transferred XXXXXXXX XXXX from my Chase credit card to my XXXX XXXX XXXX  credit card for a lower interest rate in XXXX XXXX XXXX 
Neither Chase nor XXXX have acknowledged the transfer. 
Now I am paying on XXXXXXXX XXXX of credit cards and interest. 
After dozens of phone calls and visits to several branches of each bank they say it's the other bank 's problem. 
Chase says they never received the payment, XXXX says they paid it. I can not obtain proof that XXXX paid Chase the XXXX XXXX
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I have a bank account with JP Morgan Chase. After I retired, I have called the bank on problems related to charges for transactions not signed by me. Chase opened a Fraud Unit to which I submitted information and contracts. The Fraud Unit stated the claims were sustainable and reversed some of the transactions not all. This happened in two occassions this year. One of the claims stated I had to pay {$640.00} to an Accounts Payable Company and I explained why I felt I did not owe the funds. The charges occurred under circumstances not caused by my actions. Other claim was on other company asking me to pay, but I did not sign the contract. In both occassions Chase said I was Wright. 
I submitted a complaint last XXXX. It was for the retrieval of funds issued to a politician XXXX. While my mother was at the hospital, I went to bring clothing for her. The Congressman was in my way and he offered to walk with me. He left me in front of the hospital and left. After this he said I had to donate to him because he had to walk with me and he took his time to get to the hospital. My accounts were really low but I issued a {$35.00} dollars check. Chase said they will not pull the check back because I signed the check. My account ended up with {$.00} for 10 days until I received my pension check. 
Chase has closed my account with them. I had been with chase since it was XXXX XXXX in 1982. Chase said the reason for them closing the account was that I file too many claims to the fraud unit. Chase offered these services, and I appreciated the fact they did. 
I am asking that they reconsider the closing of my account but Chase Executive said the case was discussed and they are not willing to enter into further conversations. Their acts are influenced by the next door neighbor XXXX XXXX. This female showed to the bank two months ago. She was inside the bank. I had never seen her there. XXXX also showed to my office in XXXX XXXX XXXX XXXX and spoke to me there. I had to let her talking because she is constantly harassing me, and she and her husband bother me a lot. She caused two commotion in front of the house and a judge who lives on the opposite side of the street sided in her favor though I have not taken my case to civil court. He sees her bothering me but he feels I am the problem. 
For now, I need to open a bank account and I was not able to open it. The money orders get lost and it takes a long time to recover the funds paid to the Postal Office.
Consumer complaint received 2020-04-08
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. (TX)

XXXX XXXX  OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( Hippa ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. 

The Creditors XXXX XXXX, XXXX XXXX & XXXX XXXX  are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXX XXXX  and XXXX XXXX. The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. 

Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (MD)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

I have a negative balance of - {$2800.00} on my account and despite TEN ( yes TEN ) requests to zero out my balance, the company has not issued a check or refunded the credit to my autopay account. This is illegal, withholding money that is rightfully mine and likely profiting off the balance. This has been on-going for over 2+ weeks now with various pointless conversation to their customer service. The negative balance is a result of dispute from a cancelled cruise, where all proper documentation was already mailed to Citi.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (FL)

I had put a hold on my health club membership at XXXX  XXXX and was told by a representative that no further charges would be forthcoming until I decided to take the hold off. I then received a bill for the next years membership fee of I believe {$49.00} ... I then called and spoke to manager and was told that I had to pay that before they would cancel my membership. I did not understand why I should pay for the next years fee if I was on hold and told nothing would happen until I decided to take it off hold. 

Next I receive notice thru XXXX XXXX that I have negative credit issue on my account. I checked it out to see that now they were asking for {$83.00} to settle my debt. I called First Credit Services at XXXX to dispute amount and attempted to settle debt today. The person I spoke with had a strong foreign accent and was difficult to understand but we agreed on {$60.00} to settle debt. He then told me he couldn't take credit card but I could pay with my bank account. I work in XXXX XXXX and know that you don't give away your bank account information to anyone. He then told me to call back in an hour and see if they could then take my credit card. I called back to settle and now they told me that the client XXXX  XXXX has put the account on hold and I can't pay it!! I explained I wanted this off my credit record but they said I would have to talk to client but they aren't even open now for business!! 

If XXXX  XXXX is forgiving debts that's one thing and that would be great but if not there is no reason I shouldn't be able to pay this now and get it off my credit record.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-05-05
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: Westlake Services, LLC (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NC)

The company called to collect a debt. I tried to explain to the representative that the country is currently in crisis. I dont have money for non-essential items, therefore I did not have extra money to pay a past debt. The representative then asked if I had a credit card or tax money to pay the debt with and I think that was completely in appropriate. After the call the debt was then reported on my credit report as a negative collection item which is unfair at this time. This pandemic is barely giving me money to keep up with my current bills let alone paying on a past due account. Bill collectors are not essential businesses so why are they even open and trying to take money form people at this time. I have received numerous calls everyday for about two weeks now. It is harassment at this point. I want the calls to stop and for these people to be a little more understanding at this time. And also for this item to be removed from my credit report.
Consumer complaint received 2022-05-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (FL)

Good Afternoon, I'm writing this email because I want to file a complaint with Santander Consumer USA. I financed a car through XXXX around XXXX can't remember the exact year and the lender was Santander Consumers USA . Around XXXX I was let go from my job, I lost my apartment and had to have my repo since unemployment was not enough for me to keep these things. My understanding that after 7 years a negative inquiry should be removed from someone's credit report. This is not my case this customer still has this on my credit report since then and it's been more then 10 years. I've tried disputing it with sending letters to all credit bureaus and nothing. I just checked XXXX and it's showing that it won't be removed until 2027 that's 17 years on my credit report how could that be. They just keep updating the date opened. I have not had this car since like XXXX. I don't know if you are the right people to send this email to but it was on the XXXX website. Hope someone can assistance me with or direct me to the correct person or company as I don't think something like this should be on someone's credit report for more than 10 years. 

Best Regards, XXXX
Consumer complaint received 2022-05-05
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. (TN)

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

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2020-04-08
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I lost my job in the middle of XX/XX/2020 and because of the COVID19 crisis I've had difficulty paying my mortgage. My mortgage is through Chase Bank. I've tried calling chase bank dozens of times but I can not get a hold of anyone willing to help or explain my options to me. 

I keep getting a recorded line that tells me the " only option they offer '' is a forbearance period of 3 months after which the ENTIRE unpaid loan balance along with the 4th month 's payment will be due. This means they offer the option of pausing mortgage payments for 90 days, and on the 91st day, the entire balance of the previous 3 months in addition to the 4th month 's mortgage payment is due. 

This is predatory and completely unreasonable as a forbearance option. This is clearly not a good faith option Chase bank is offering. Chase bank 's representatives has refused to discuss anything further with me and have stopped responded to my email requests at communication. 

As per the : Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of the Comptroller of the Currency Consumer Financial Protection Bureau statement made XX/XX/2020, this goes against the " good faith '' clause outlining bank 's responsibilities to offer " good faith '' options for borrowers struggling with the COVID19 situation. 

The link to the statement is here : https : XXXX
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: TD BANK US HOLDING COMPANY (NY)

As part of a process of getting my financial life under control, I have been cleaning-up my credit card situation. Due to my wife attending XXXX school and being unable to work full-time for two years, and my attending XXXX school ( twice ), the credit card debt of both myself and my wife has ballooned. For a year, now, weve been making payments and getting nowhere. This is why I decided to take action. 

All of my other credit card issuers have complied with my request : close my account, lower my interest rate, and put my account on a repayment plan that will see the card paid-off within five years ( with a monthly payment that is no more than at-present ). Those who have complied include XXXX XXXX, XXXX, and XXXX XXXX. The only institution refusing to comply, and has made even the process of making such a request difficult, is TD Bank. 

As the recorded phonecalls show, I made a request by telephone ( the only way youre allowed to contact TD Bank for Credit Card Services ) through a Supervisor, approximately two weeks ago, to what is apparently called the Forbearance Department ( or Team ). The Supervisor said she saw no reason why I wouldnt be approved and that I would receive a call within three business days. 

I received no call. When I called back, I had to speak to 5+ people to even get an answer and the answer was ludicrous : because my account is current, not only will they not place me in the repayment program like I asked, but they will also not close my account. This, as I noted on the call, is penalizing a financially responsible individual for being both current on their account and attempting to take preventative action. 

Further, as I noted on my original call approximately two weeks ago, this TD Bank credit card is not one that I asked for : I previously had a credit card with XXXX XXXX, which was transferred and/or sold to TD Bank. Although I received notice of this action, I did not provide my consent to become a credit card customer of TD Bank, nor did I receive an option to close my account instead of accept the transfer. 

What I am asking for is reasonable, simple, and responsible : TD Bank must close my account, lower my interest rate, and set me on a payment plan that will see my account paid-off in no more than 5 years ( with a monthly payment no greater than at present ). This is necessary, since my current minimum monthly payment is hovering near $ XXXX/mth, with approximately $ XXXX/mth of accrued interest. 

TD Banks failure to cooperate with a request that is in my best interest, rather than theirs, is unacceptable profiteering on the back of a XXXX/XXXX XXXX, a XXXX XXXX, and an individual who is seeking to take control of their finances. Since I am making hundreds of dollars in payments each month to credit cards, it is extremely important that TD Bank complies with my request, in order for me to be able to live on my XXXX/XXXX XXXX salary.