davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE ALL FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2019-02-15
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. (TX)

I have had a Chase Credit Card for years. They increased the interest rate without any notice. This is second time they have done this. This is suppose to be set rate for life of the loan as I do not use this credit card. We got it fixed the first time. This payment automatically transfers out of my account every month. If I would have known the interest changed I would have paid off the credit card.
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-10
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was a Pro Se litigant and have discovered fraud for the last 8 years on this property. 

This is an unexpected fraudulent 2nd lien assignment from XXXX XXXX XXXX XXXX XXXX, as Trustee for the servicer Bank of America NA under representation XXXX XXXX that I am currently addressing via FTC, Federal Reserve Board. 

For information purposes ; 1.MERS, Bank of America ( BOA ), and XXXX ( Servicer ) have executed an unverifiable assignment on my property and the notary allowed XXXX XXXX to represent Bank of America and MERS on the transaction. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien and must be removed. 

6. PA statue of limitations due apply, if this assignment have any merit. 

I am specifically requesting XXXX XXXX XXXX XXXX XXXX to furnish the following before XX/XX/XXXX : The Trust SEC name ( for verification that the Note & Mortgage was timely deposited into the Trust ). Please Note : The PSA Cut-Off Date was XX/XX/XXXX. 
Pooling and Servicing Agreement / Prospectus ( expiration purposes ) Bill of Sale ( ExXXXX XXXX XXXX documented assignment to MERS to XXXX  ) Chain of Title and its indorsements Authentic Promissory Note Detailed Explanation of the gap between recording XXXX, XXXX and XXXX and XXXX ( see attachments ) Please advise why XXXX never enforced this debt thru foreclosure proceedings and or my credit report under the FDCPA section 807 ( 8 ). 
Please furnish the history of this debt, payments made etc., exact month, day and year of servicing authorization thru chain of delivery and acceptance receipts. 

I have not received a response, however, XXXX XXXX with Bank of America stated via CFPB Portal they need more time to address my concerns.
Consumer complaint received 2020-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (SC)

I have attempted to get caught up on my Mortgage Payments and they have closed my online payment access and refuse to help me over the phone even though there is a 15 day grace period and I thought I could make payment to catch up by the 15th but instead they are throwing me into foreclosiure. I have no documents and no access to my account.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc. (TX)

I am only XXXX  days late on my payment. I only owe XXXX  payment. I have requested many times that they change my payment to monthly instead of every two weeks, because I have been pate before. I am only late XXXX  payment maybe no more then XXXX  days at the most when I am late. But why I am so upset about is they call me three times a day between XXXX. I have kept records of all the calls and messages. To me it's annoying and consider harassment. I work overnights, sleep during the day they know this, but they continue to call repeatedly. I can understand them calling if I was XXXX payments behind, but I have never been but XXXX behind no more than XXXX  days. Isn't this harassment?
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NC)

i opened a new card with a {$300.00} limit on XX/XX/XXXX inside the store. I made a purchase that day for {$99.00}. Once I received the card in the mail, I set up my account online and paid the entire balance of {$99.00} off on their site. I made this payment by checking account on XXXX and it posted XXXX. I paid it off because i'm trying to avoid interest and annual fees. I made another purchase on XXXX for {$120.00} and paid the balance in full on XXXX. On XXXX i went into the store and made a return for {$40.00} and tried to make another purchase for {$110.00} and my card was declined. On the site, it shows my available credit to be {$200.00}. The clerk in the store also pulled up my account and showed available credit of {$200.00}. She called their service desk, the guy asked to speak to me on the phone. I was told that i could not use my card whenever there is a payment pending, and it could take XXXX business days before a payment fully clears. So, anytime i make a payment, it could be as small as {$5.00}, they will block my whole card until the payment clears, no matter how much available credit i have. I called customer service today, XX/XX/XXXX. I spoke to XXXX and then escalated to XXXX, XXXX ID XXXX, located in XXXX  XXXX. They told me the same thing. Anytime i make a payment, they will block my card for XXXX days. This makes absolutely no sense and is not fair business practice or fair credit act.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (GA)

EASTERN ACCOUNT SYSTEMS ADDED A PAID OFF DEBT TO MY CREDIT REPORTED EVEN AFTER IT WAS PROVED THIS DEBT WAS NOT VALID. 
THE ACCOUNT WAS CLEARED IN XX/XX/XXXX AND THEY ILLEGATED THIS DEBT BY ADDING IT TO CONSUMER REPORT IN XX/XX/XXXX.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

After discussing with a customer service rep via their chat service the waiver of a late fee and interest for a balance due on my XX/XX/XXXX statement I made a payment that I was under the impression would bring the account to a XXXX  balance. The next month I received a statement showing a remaining balance of {$10.00}. I believe this was due to a credit not reflecting on the statement before it had printed based on my conversation with the representative in XXXX. In XXXX I received a new statement showing a new late fee and interest on the {$10.00} balance from the previous month. I paid the previous balance due, though I did not believe that amount to be correct, and tried several times to chat with the company in XXXX but ran into technical issues on their end that was preventing our connection. When I connected on XX/XX/XXXX via chat to discuss the now 2 late fees and interest charges that had occurred I was advised that even though the conversation I had with the representative back in XXXX led me to believe I would have a XXXX balance on the account, they would only waive 1 set of additional {$10.00} charges, leaving me to owe {$22.00} currently for fees and interest I thought was being credited back in XXXX and they are making money off of stacking fees when no new transactions have occurred since the XX/XX/XXXX statement. There was also no mention of the {$10.00} payment I made on XX/XX/XXXX, and how that is credited towards this supposed balance due. 

Their chat service does not offer to send a copy of the transcript for a customer 's records, so I have no documentation to refer to from the original chat for the company to see where the miscommunication occurred or to counsel the representative that I worked with in XXXX or this most recent conservation in XXXX. It seems this is an easy way for them to nickle and dime their customers who probably have small balances and/or pay them off in full because of being a store credit card that most people most likely only charge at on an occasional basis, and they might not make as much money in interest on this store. I could've easily paid off {$10.00} on time had I thought I needed to, and now the balance increased to 3x that amount with no new purchases.
Consumer complaint received 2021-09-07
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: V and H Portfolio (GA)

I am XXXX XXXX, there is no third party involved, Im submitting this info for myself by myself!

I did not consent to, authorize or benefit from the following accounts. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''
Consumer complaint received 2024-02-23
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (NJ)

I called the company to try and get more information about the debt because I felt that this debt had been paid through a Federal Student Loan. The account manager, XXXX XXXX, felt differently. She was very hostile, raising her voice and insisting that she was not removing it from my credit report. I advised her I made the dispute through XXXX XXXX because of this reason and she flew off the handle. I asked her to not be so hostile, that it wasnt necessary and she insisted that she wasnt. However, when she continued to accuse me of trying to not pay the debt and I kept trying to explain that, I am just trying to get more information, she agreed that now she is getting hostile because she doesnt need to hear me say it one more time. I told her, at XXXX months XXXX, I dont need to be treated this way or be yelled at in such manner and she continued to tell me she wasnt going to sit on the phone because I am XXXX and she doesnt want anything to happen because of her. Overall, she said shed send me a letter from the school certifying the debt, which if she had been kinder and more forward about that from the start, it would have been what I was asking for. I dont think this behaviour is acceptable or productive.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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.

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 2020-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LD Holdings Group, LLC (OK)

I have been experiencing a substantial amount of medical issues which caused me to be off work for extended periods of time without pay. I have informed the agency of my medical issues and my inability to pay and exhausted all resources to maintain a good standing with the companies. I have sold my car, borrowed from family and friends and opened additional loan account to pay them even though in the state of Oklahoma the law clearly states you are only allowed 2 but they granted additional loans and where aware of the other loans and payments. When I went to the doctor I was advised that my symptoms are related to my diagnosis of being XXXX XXXX and so since my healthcare plan administrator is human resource I did not want my health information to get out so I stopped using the insurance and the medication cost is {$2000.00} for 30 days supply which honestly I just don't have and even after checking if ran through insurance would be {$520.00} I just have been overwhelmed and sick. I have repeated explained the situation with the companies not going into deep detail and I am receiving at least 10 calls per day on every phone listed, the calls are then followed up with threatening text messages, all references listed are called and provided confidential information about me which my family friends are not aware what is going on in detail because I stay isolated due to XXXX XXXX XXXX XXXX  and I am unable to be around people. I am receiving voicemails about wage garnishment, my avoiding their calls and being a terrible person, my losing my job if the wage garnishment is filed. Just a number of illegal tactics to put stress or force me the pay funds I just don't have and honestly at this time I have big things to deal with. I have received a number of calls from various coworkers and friends at work not listed stating that they called the main line and asked for me and went into detail why they were calling which is outrages.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (GA)

I purchased two rings from XXXX XXXX. I wish I would never have walked into the store. First, the sales associate sold me on the credit card. Which was a perfect idea. She did so by telling me that I would get a promotional credit and that I could use 6 months at no interest, but i needed to still make payments. I signed up and was approved. 

I told her that my address had changed and the one on my drivers license was incorrect. She still put my old address in there, causing the statement to be lost. I never received it or the card. But I was charged late fees and interest. 

I called and a young lady said she would take care of it. I saw credit for the interest but never for the late fee. I had to contact them again for the credit of the late fee, which was finally processed. 

Then i received a letter in the mail saying i didn't qualify for the promotion which I was told i did so they REBILLED me the interest they should have never charged me to begin with!!!!! 

I've paid the account off and I want credit for all of the late fees and interest that i was billed. 

I have many other accounts through this bank and now I'm contemplating closing all of them because I was lied to and they refuse to make it right.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit reporting act XXXX  Account capital one # XXXX datesXXXX & XX/XX/XXXX account XXXX XX/XX/XXXX & XX/XX/XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

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

15 USC 1666B : Creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Consumer complaint received 2019-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lockhart, Morris & Montgomery Inc. (AZ)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian will not correct my closed account status for XXXX XXXX. This account was paid in settlement in XXXX and it still shows it as charge off. I disputed this accounts status for the third time in XX/XX/XXXX with Experian. Experian concludes it was a charge off and updated the account as a charge off status for XX/XX/XXXX when the account as settled and paid in the summer of XXXX. I even attached settlement letters to my Experian dispute from the lender and they still wont fix it. This has dropped my score even more because Experian shows it as a recent charge off while its been over two and half years. They just dont get it!