davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score dropped from XXXX to XXXX on XX/XX/XXXX. I received this information from XXXX XXXX, noting that on this date a '' derogatory public record '' had been entered on my credit report. 
I contacted, by mail, Transunion Credit Reporting Company, requesting an explanation for this decline in my credit score. 
I do not recall any incident that occurred prior to XX/XX/XXXX that would be considered " derogatory public information ''! 
I did dispute a charge with a physician 's office, but unable to recall the date of my visit to the doctor? I had paid this physician, in full, for the amount charged! 
It is my understanding that derogatory reports by medical doctors and/or facilities will not be considered as " derogatory " and can not be used to reduce a person 's credit rating. 
I have not received any response from Transunion Credit Reporting and request that CFPB contact them for an explanation.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

For the past 6 months I have been writing letters, making phone calls and disputing my payment history and balance owed which reflects negatively on my credit report. Credit Acceptance originally denied my request to apply for SCRA rights when I enlisted into the XXXX XXXX. The agent I spoke with stated that the loan came before I joined so I was not eligible. After disputing that and over paying for months I finally was able to get my account adjusted and backdated in XXXX of XXXX. I then asked for Credit acceptance to update my payment history and payoff amount on my credit report backdating to XXXX of XXXX. 

They corrected 2 credit bureaus but not the third.
Consumer complaint received 2020-03-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

On XX/XX/XXXX complained to NewRez Corp ( my VA loan provider ) that I had received a delinquent tax notification copy of the delinquency notice ( sent on XXXX ), and was asked to send. At that time there was sufficient funds in my Escrow account to pay the total tax bill which had increased from {$3400.00} to over {$3800.00} due to the delinquency. I asked them to immediately pay my taxes on XXXX, XX/XX/XXXX and XX/XX/XXXX. I was sent several notifications that this would be taken care of. When I called and asked why, I was told the tax had already but paid, the amount was still in my Escrow, and again send a copy of my delinquency notice. Then I received a notice of wage garnishment and then contacted them several more times after this. My tax was finally paid on XX/XX/XXXX, but only after 3 wage garnishments had been made, and likely a fourth the upcoming pay period. I am now short {$1600.00} and will not be able to make my upcoming mortgage and will likely have to pay a late fee thanks to their poor service. I have also had to pay the {$480.00} charge for the delinquency.
Consumer complaint received 2020-04-02
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. (AR)

This is the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (NY)

Due to a current crisis in the US ( COVID 19 ) I'm unable to work due to a XXXX 's governor order " Stay home '', thus I called them to ask for an extension, they offered me 1 month extension however this money will be added to the end of my term which is fine, PLUS they make me liable for an APR for the current month, I want you to understand this is not me who caused this crisis in the country and thus I refuse APR which is 18 % ; associate on a line spoke to a manager and  they refused to waive the APR for the current month. I'm not using their car this month and it just sits here parked, they are trying to take advantage of a situation!
Consumer complaint received 2020-04-02
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. (TN)

THE ITEM WAS REMOVED FROM MY CREDIT REPORT AND RE-INSERTED BACK ON MY FILE WITHOUT WARNING. PER SECTION 609 AN ITEM IS NOT SUPPOSE TO BE RE-INSERTED WITH WARNING. THIS ACCOUNT THAT THEY ARE REFERRING TO DOES NOT BELONG TO ME.
Consumer complaint received 2020-04-02
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. (AR)

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

I wrote four checks in XXXX for the amount of {$4500.00} each from Wells Fargo, my company is XXXX XXXX. These were stolen from the post office, the thief deposited them in another bank account. I made my report when my customer tells me that he still has not received his check, I discovered that the check had been deposited without any alteration, only that it was deposited in another account, my bank said that I need to wait up to 120 days, it is worth mentioning that the checks were not altered only deposited in another account without the bank noticing that this did not belong to the company that was to be deposited
Consumer complaint received 2020-04-02
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. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Approximately mid XXXX I went into XXXX Department XXXX located in XXXX to make a return. They processed my return however I noticed a charge on the account that I never authorized. I called Chase Credit Card and they advised to contact the merchant since the credit card was used via a chip. I went in and spoke to XXXX the Store Manager or someone in Loss Prevention Department who had advised that she looked at the surveillance video and noticed that I did not walk away with the merchandise. She stated that I would be receiving the credit of {$370.00} and that transaction was VOID. A month has gone by and I still noticed that I not only have still been charged but interest is gone up as well. I called back to Chase to get this removed off of my transactions and I explained to them that I did not make that purchase. I did not sign for the merchandise and I did not walk out of the department store with the items. They gave me a temporary credit and said they would dispute it with XXXX. A month after I received notification that the dispute has been resolved expect not in my favor. They said that the chip was used and I was responsible for it. I told them that the transaction for the {$370.00} was a void transaction not a purchase. I told them that I believed that the employee made a mistake or she probably engaged in fraud. As of today, I have still been charged for the {$370.00} and have not seen any refund. Again this FRAUD and I have not authorized this transaction. Please issue me a full refund in the said amount. Also, when I called and spoke to a manager or supervisor in charge of the dispute department ( I am sure you have the call recorded XXXX he was extremely rude. That was the last time I initiated a conversation with Chase about this issue.
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC (WA)

In XXXX of XXXX I purchased a used XXXX XXXX XXXX XXXX and got a car loan with Prestige Financial. The loan was for XXXX. We have been paying the loan payments on time never late since this time ( XXXX ) our balance currently is XXXX. We have made 19 payments yet the loan has gone down only XXXX dollars. We were promised a lower interest rate from Prestige if we paid on time which we have yet they have never applied the whole amount of the lowered interest rate. When we call in to inquire they mention all of these fees that we didnt sign up for but will never give us a detailed explanation of the fees. Our interest rate is high as we had just gotten discharged from bankruptcy, I understand that but this is above and beyond the huge 30 % interest. We are struggling to make the payment every month and the fact that all our payments are not making a dent in the balance is very frustrating. I got a letter in the mail from the auto loan company asking us to sign a form saying we believed their numbers were correct because they were being audited. I didnt fill out the form because the numbers are not correct. Also the numbers on the form are completely different from the numbers on my online account. Im hoping you will look into this as none of it adds up.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (PA)

On XX/XX/2020 I received mail from Brinks Money and was surprised that what was inside was legal. Inside they included a prepaid card with my name on it, as well as an account number with XXXX XXXX. The whole mailer is setup to look like you requested this card and that all you have to do is go online and activate it. I'm worried people will activate the card thinking there is money loaded on it and then forget about it and get slapped with their fees of {$9.00} per month to use the card and then another {$5.00} per month for an inactivity fee. The whole thing just seemed very predatory.
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In XX/XX/XXXX I tried to payoff my capital one credit card account in the amount of {$650.00} and XX/XX/XXXX I tried paying off my capital one credit card account again. Doing the process of trying to payoff my accounts I was told that I was committing fraud with my very own savings account with my credit union both times when I tried to do payoff. 
In XXXX after discussing the matter with a senior mgr he told me because I made such a large payment of {$650.00} the system didn't recognize me for such payments that's why they assumed it was fraudulent so I decided to make lesser amount of payments until paid in full. I continue to make my payments with the same savings account continuously until XX/XX/XXXX when my final payment of {$100.00} was called in and successfully submitted over the phone with an representative, the following Monday I called to make sure they posted my final payment and I was shock to hear that my payment was sent back to my account because it was a fraudulent account and they could not accept it, but they continued to take my payment from XXXX until my final payment as of XX/XX/XXXX, aslo I paid my husband capital one credit card with the same account on XX/XX/XXXX and they accepted that payment and said they returned mine, So, I asked if I could just go in a branch to make the payment and the last senior mgr I spoke with told me yes, the following day I went to a branch and was there 1 hr talking with a teller and capital one Bank on my cell phone and they would not allow the teller to take my payment in cash money at the teller window, we had to do an open conversation about my business in public because of the situation the world is in the present time Corona virus and all my personal information was among the public I was embarrassed and confused why they refused my payment to payoff this credit card I was destroyed in my heart and didn't know what else to do, finally I left the bank in tears, finally my husband said let 's try and pay it with his debit card so I did and it was paid in full. 
But I'm truly upset on how they refused me to make a payoff twice and I feel discrimination played a part and wanted me to continue to pay unnecessary fees.
Consumer complaint received 2020-04-02
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. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2024-02-25
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. (TX)

The company sent me a letter stating that the attached account would be removed from my credit report and its still not removed. I want XXXX  act # XXXX removed from my report within 72 hours of receiving this complaint. All documents attached.
Consumer complaint received 2020-03-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (OH)

A week ago I wrote this company and explained that I do not know who they are or what they are trying to scam, but to stop sending me mortgage collection notices. Now they are sending me insurance documents for a property in Florida. I live in Ohio. I indicated that if this continued that I would notify the proper authorities, but yet they continue.
Consumer complaint received 2020-04-02
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)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$920.00}
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked the credit bureaus to do a thorough investigation on my report and the did their investigation and responded with everything being verified. I did a thorough investigation my self and notice their were still inaccuracies after their investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to fair credit reporting act XXXX accounts has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-03-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage is my collector. During this covid 19 time they are not picking up the phone. I want to delay the next few months mortgage. Till my wife goes back to work. She was advised not to work. I am on XXXX. There is no communication with Freedom mortgage. Pls help!
Consumer complaint received 2020-03-24
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)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND HAS PUT A STOP TO ME PROGRESSING INTO THE FUTURE THAT I HAVE PLANNED FOR MYSELF. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appleid for a credit card. It was approved. Then came the letter stating a high interest would be charged do to a XXXX score from Transuion. I have a XXXX XXXX account and have acess to my score and credit information about my past. I believe this to be accurate. My score was in the low 800 's at the time of this credit card application filing according to XXXX XXXX. Now it is in the high 700 's. I tried to call and emailed Transuion. There is no option to leave a number for return call. No one aswered the two calls I made one durring east coast buiness hours. 
I have not heard back from the email. I dont expect to. I asked for them to fix my report or send me the docs to fix my report and contact info of the most senior customer service employee so I could contact them. 
As a side note I am sending XXXX XXXX  a certified letter asking them to explain why they used that socre. Why they use Transuion at all and why they ran my credit score twice. I had applied for this card once before a coupla months ago they sent a letter said there was a problem. I called them and they refused to discuss it over the phone and said they could send me some paperwork. I said no ; and dont run my app if there is a problem. They ran it anyway. The second time ( this time ) they ran it and approved on the spot. Then a week later sent me a letter stating the interest will be extra high becuse of my Transuion score. Good news my card is on its way. I dont want a maxed out interest rate card. That does me no good and I wont use it. If I cancell it ; it will damage my score on the service I keep track of ; the one that updates correctly. Between a shady card company and transunion I will probably end up with a XXXX score instead of the XXXX I have earned. XXXX XXXX with transusion ... seriousl XXXX points diff form a far more accurate score?
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

Trying to remove a credit freeze on Experian so I can make a purchase. Experian wants a PIN 10 digit the provided to me two years ago. I don't have it - my fault. Their fix is to US mail documents which takes up to 14 days. In today 's environment this is totally unacceptable, I'll be dead by then.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

My complaint is a old one that is still effecting me today. @ 2008 I was making my mortgage to Chase but each time I needed something they would tell me they need to check with XXXX XXXX.I went to XXXX and they got forbearance for me and added the delayed payments to the end of my loan.Then Chase started to give forgiveness for deferred payments.When I made a request to Chase they said XXXX XXXX was refusing to give forgiveness.Now that the government is giving out help I-have attempted to get the deferred payments forgiven but I am told there is nothing I can do. 
If XXXX XXXX was allowing Chase to be the heavy header back in the day why would they not allow their clients to secure the benefits being offered., nowadays senior citizen I cant get a reverse mortgage because when they add the deferred amount I owe too much to qualify Now what do I do
Consumer complaint received 2020-04-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc. (TX)

The company FH Cann and Associates began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: APPLE RECOVERY SERVICES CORP (OH)

I received a notice from XXXX XXXX XXXXXXXX that I never heard of ... It says Apple ID It says the account # is XXXX .... {$10000.00}. I have never had this account ... .. Apple Recovery Services , XXXX  XXXX, XXXX XXXX , IL XXXX is who sent me the notice ... It is not even a correct address..