davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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)

XXXX XXXX XXXX-I have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

My monthly payments have not been on here since 2009! I need you nto show this so I can remorgage my home, please correct this as sonn as possible. Thank you so much please notify me when updated at XXXXXXXXXXXX Thanks again XXXX
Consumer complaint received 2022-12-12
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (CT)

I am paying for this loan when the school is out of business the school is named XXXX. I am paying to UAS XXXX who is handling my private loan for something I do n't attend to and went out of business. I need help.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Moore Law Group (CA)

On  XXXX / XXXX /   16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney The Moore Law Group,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   ,  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (FL)

I applied for a secured credit card on XX/XX/23 at Truist where it was denied then I received a letter in the mail that read. Thank you for applying for a Truist consumer credit card after carefully reviewing your application we are sorry to advise you that we can not open the credit line for you at this time. If you would like a statement of specific reasons why your application was denied please contact our consumer credit department shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request XXXXTruist I have tried calling that number to request the letter of reasons and no one seems to know the answer or how they can help me I just get transferred to another department until someone hangs up on me. Im just trying to obtain this information because I feel this is a violation of FCRA adverse action & unfair practice
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a consumer by law. This complaint is not sent in error. I never gave written consent for you to report my private information protected by federal law. I am seeking compensatory damages for these violations.
Consumer complaint received 2023-02-22
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I paid the taxes however Carrington Mortgage is showing it paid the taxes. XXXX XXXX XXXX stated Carrington Mortgage was sent back their check as the taxes were already paid yet it is showing a deduction on my tax form. I thought the issue was already addressed when I spoke to a representative ( I paid the insurance and taxes ) and Carrington told me there was confusion with the escrow account they fixed the issue however upon receiving the 1098 form ; the issue was not fixed. Also, a payment was made XX/XX/XXXX however the correct next payment, due date was not updated.
Consumer complaint received 2023-02-20
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. (CA)

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$550.00}
Consumer complaint received 2023-03-08
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$61.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experianhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYSTEM ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-12-12
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries. I contacted XXXX and Transunion creditors, and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. 
Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry XXXX : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX DEALERS Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 2022
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (CA)

I entered into a contract with a merchant, XXXX, and a financing company, Universal Account Servicing ( UAS ) on XX/XX/XXXX. I purchased {$8100.00} worth of XXXX services, which were financed by UAS under a promotional rate of XXXX months with XXXX interest, provided I made the appropriate payment each month. I made the payments each month, on time, for the duration of his contract, and I have continued up to this day. 

In XX/XX/XXXX, after providing services for XXXX sessions, XXXX refused to continue to provide the contracted services that were promsed upon sale. From XX/XX/XXXX to XX/XX/XXXX, I continued to pay UAS, even though XXXX failed to render contracted services. In XX/XX/XXXX, I subsequently contacted XXXX and eventually the bank to put the issue in dispute until it was resolved in later that same month. Specifically, XXXX settled and refunded me {$4000.00}, almost the entirety of my remaining balance, which was {$4900.00}. This should have left a balance of just {$920.00} XXXX, which I was prepared to pay in full to close the account. 

However, before XXXX settled, I had contacted his bank, XXXX XXXX, who recommended he dispute the UAS charges until the dispute is resolved. When XXXX contacted UAS, UASwithout any investigation or communication with XXXX about the nature of the disputeimmediately returned {$1000.00} of my payments to XXXX, which XXXX then informed me the dispute was resolved in my favor on XX/XX/XXXX. UAS then immediately added {$1400.00} in interest penalties to my account, claiming it was I who now voided his promotion period because I had not paid my payments in time, and they fully backdated interest as if no payments have been made. This is a clear abuse on the part of UAS and they settled the dispute in my favor simply to abuse the credit system, knowing that if they sell the debt to collections my credit will be ruined. 

I was pleased that XXXX finally made an offer to make me whole after breaching the contract, and I wanted to pay UAS the disputed payments back as well as the remaining {$1000.00} on the account, to close out the balance completely. I reasonably assumed that now that the dispute was resolved, UAS would remove the interest charged and let me simply close the account. I contacted UAS to make this offer by phone at least 5 times, and on XXXX of those occasions I asked to speak to a manager, and he told I would be called back ( he never was ), I was refused, taunted, and demeaned. UAS employees insinuated he does not understand interest and did not read the contract. I did read the contract, but UAS has engaged in foul play in order to obtain illegal interest payments. Other customers have similar complaints about this company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc ( Searching UAS payment scam XXXX yields many results ).
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

Hi there! 

I'm using Lexington Law to better my Credit so that I can build my business and buy a home. I have provided Lexington Law with my phone number, email address, and mailing address to contact me in case of any urgent communication. 

However, this week I saw an excessive charge item and fee ( which they called a " re-billing fee '' ). When I contacted them, they claimed that my card could not be charged. True, but I also explained that I keep my card locked and I have provided my contact information in case of an issue like this. They replied, " we don't call customers for billing questions. '' I think that is not right, unfair, and a scam for a company trying to profit by charging unnecessary fees to struggling folks. Someone, ought to help with this. That is why I'm filing this complaint. They have my phone number! At the very least, they should be specific on when they will charge my card so that I keep it open. It's called good customer service in my line of work. 

I'm seeking relief and a refund for this abuse. There is no such thing as a " re-billing fee, '' unless someone is just trying to find a way of making extra money from you. If they keep charging a {$20.00} " re-billing fee '' to XXXX or XXXX people, they're making a lot of money on the backs of poor folks without accountability. Please help and thank you!
Consumer complaint received 2022-12-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent a letter to the XXXX reporting companies asking them to investigate the bankruptcy that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I called Chase Bank to do a promotional balance transfer from my XXXX XXXX  going to a Chase credit card. The Original rep took my XXXX card # and told me the transfer from XXXX to my Chase card would take btw XXXX days. I just checked my new card and the transfer amount of {$5000.00} has posted to my new card. 

The problem is my XXXX XXXX  still shows {$5000.00} and no pending transactions to withdraw that money. 

I called Chase Bank about this and was told the original rep typed the wrong account #. I now have {$5000.00} posted on both Chase & XXXX. I spoked with the XXXX today and told her my billing period for XXXX ends early in XXXX and I don't want to be charged 2x. The XXXX @ Chase said it can take up to 30 days to post. I told her I don't want to be charged 2x for {$5000.00} because the Original rep didn't type my account correctly. She told me she can not remove the {$5000.00} from Chase. All I want done is to have the {$5000.00} removed from my XXXX XXXX before XX/XX/XXXX. I should not have to pay {$10000.00} on interest/fees when it should only be for {$5000.00}. Please investigate ... .This is not right ......
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (MD)

In XXXX I was going through hardship because my income decreased I applied for hardship with XXXX XXXX. They approved me in XX/XX/2023 to make payments of {$22.00}, I have been making payments however the monthly payments have increased to {$67.00}. I called XXXX XXXX and told them I was in your hardship program and why you are you increasing my monthly payments. They told me to keep paying {$22.00} however the monthly payments increased and late charges.
Consumer complaint received 2021-12-21
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.