davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (NC)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX | XXXX XXXX original Creditor XXXX XXXX XXXX XXXX | Account name : XXXX XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX & XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX   Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX Account number : XXXX | 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-12-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Unfortunately, last year, I was in a financial dilemma due to job loss. As a result 3 ( to my knowledge ) of my payments to you were delayed. Because your account with me is extremely important I managed to borrow money in an attempt to bring my account current. 



I reached out to capital one at that time and explained to them my situation and basically PLEADED for them to defer the payments or move them to the end of my loan and was denied. Please note I have had my car for almost 4 years and I have NEVER qualified for that help. Thats very unfortunate and Im confused as to why Ive never qualified. 



Nevertheless, Ive persisted and have been attempting to catch up sincethus my payments are behind by SEVERAL months because the payments Ive made EACH month, since, covers those past months from 2018. 



Fast forward to today, I go online to make a payment and was informed I had to call capital one to pay and when I did I was informed that my car is in recovery status and that the only payment I can make is for {$510.00} and some change over a 3 month period to bring my account current. If I could pay more I honestly wouldnt be behind. 



All Im asking is to continue making my payments of {$220.00} maybe {$250.00} since I dont qualify for defermentand never have in 4 years. I cant afford a repossession. I have XXXX small kids and we need our car. I TRULY appreciate Capital Ones patience with me and I know Im behind by several months but if you look at my history Ive made a payment every month sinceIm trying to catch up. I truly am. Please.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

On or about XX/XX/XXXX I entered into an agreement with Chase bank to refinance my mortgage that I have with Chasebefore making any commitments it was understood that I had filed bankruptcy in XXXX and my mortgage had been dischargedIve never moved from the property and I have been paying my house note consistentlyChase had me enter into a non refundable deposit agreement for {$500.00} only to deny my loan because my mortgage was dischargedthey had me attempting to obtain a reaffirmation agreement for a loan that had been discharged for over seven yearsI feel Chase didnt need for me to commit my {$500.00} if they knew they were not going to allow me to refinance because of my mortgage being dischargedfurther more by allowing me to refinance that would have effectively reaffirmed the loanevery other part of the process was complete only for them to get to the end to deny my loan because of my bankruptcy information that I shared with them before they ran my creditI have refinanced with another lender so Chase is getting their moneyI want my {$500.00} back because Chase should have had everything they needed to know about me BEFORE they had me commit my moneythey already knew what their policy was but I had to commit my money to find out and thats not fair BIG BANK takes little bank every timeI DID NOT WITHDRAW MY APPLICATION and THE DOCUMENTS THEY WANTED ME TO PROVIDE WERE NOT ATTAINABLE.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my report.
Consumer complaint received 2023-01-20
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. (MA)

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account number : XXXX XXXX XXXX XXXX, 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 A. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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 2022-03-24
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (FL)

My name is XXXX XXXX my complaint is with XXXXBarclay noticed that my most recent credit report contains a late payment reported in the month of XX/XX/2021 for my XXXX credit card account number XXXX XXXX XXXX XXXX. I mistakenly missed a payment with autopay and fail to make at least the minimum payment due of {$29.00} XXXX forgot to check I have been a loyal customer for over years with XXXX and credit cardholder with Barclay for more than 10 years with excellent payment history. I called XXXX to explain the situation they told me to write a letter to XXXX XXXX XXXX XXXX XXXX, DE XXXX. I never received a response back and the late charge is still being reported with the 3 major credit bureaus.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery is reporting a debt on my credit reports that does not belong to me. The debt shows assigned XX/XX/XXXX, the debt has been refreshed on my credit report to XX/XX/XXXX. Portfolio Recovery has been sued by the Federal Trade Commission for unfair debt reporting on consumer credit. Per the Fair Credit Reporting Act protecting the information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Consumer complaint received 2022-10-27
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. (FL)

XXXX XXXX XXXX XXXX, and their affiliate XXXX have reported multiple times the same debt to credit agencies. I have tried to contact them and they only have a phone bot so I am unable to get anywhere with them as I don't have an account number.j Transunion has allowed XXXX to report this same debt multiple times and I contacted them to find out why they allow this. I ended up with a customer service agent outside of the XXXX and communication was a problem. He did not understand my complaint, read prepared comments that did not apply to my complaint and would not let me speak with a supervisor or manager.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-13
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. (TN)

I feel frustrated that they still haven't deleted this account when the reporting is not accurate. I've disputed this with them a number of times and they did not take further action., claiming that the account is accurate when it's not. 

Collection account from XXXX XXXX ( Account No. XXXX ) Original Creditor : XXXX XXXX The date open and closed are not accurate. The balance is also not correct. I do not owe {$1000.00}.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Student Loan Servicer, Mohela, Improperly Recalculated My Payment and Changed My Payment Plan Mohela improperly changed the repayment plan and repayment amount of my student loans upon receiving them from XXXX XXXX. Mohela wrongly assumed that my recertification deadline was missed because Mohela does not have any information regarding my successful IDR recertifications since XXXX, Mohela confirmed that they do not have information regarding prior successful recertifications from XXXX XXXX after XXXX. It is unknown why and the extent to which Mohelas information regarding my loans is incomplete. 

I received a letter from Mohela in which Mohela incorrectly states that the monthly payment amount for my income based repayment plan changed because I did not renew my prior IDR plan. Mohela also incorrectly states that my repayment plan has changed because I did not renew my prior IDR plan. 

I have been on the Income Based Repayment plan continuously since XXXX and have never missed a recertification deadline. My last required certification was in XXXX. The Cares Act paused all recertifications after XXXX, XXXX XXXX. I was not required to recertify in XXXX as my recertification date was XX/XX/XXXX which fell after the enactment of the Cares Act. I recertified prior to the deadline in XXXX and received confirmation from XXXX on XX/XX/XXXX ( see attached photos of XXXX letter confirming recertification in XXXX ). 

The Department of Education explicitly states the earliest you are required to recertify is XX/XX/XXXX. You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. You may still see a recertification date that is earlier than XX/XX/XXXX on your account Aid Summary. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. 

https : XXXX # when-to-recertify ). 

I have not been required to recertify since XXXX and the earliest date I will be required to recertify given my last required recertification date of XX/XX/XXXX will be XXXX of XXXX given the language of the Cares Act If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit report on identity q when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (GA)

Chime let unauthorized charges to my account I tried to call several times to get them to lock up the account they said they did so and then transactions were still being removed I would like to get feather look into the account it was a virtual hack I'm guessing they took money through email XXXX  XXXX  phone numbers all different ways and now they're denying my request for their funds returned
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

American Express makes offers where if you buy a XXXXamex pre paid hotel you get 10 % back on your offer. I used promo as advertised they say I didnt that I used it under XXXX I paid {$360.00} dollars for this hotel waiting to get {$36.00} dollars back in credit. American Express said they cant do anything about this because its the merchant. They shouldnt advertise promo they will not stand by.
Consumer complaint received 2021-11-19
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 (FL)

I recently reviewed my consumer report and I became aware that this company is furnishing Incorrect information on my consumer report across the 3 major credit reporting agencies. This information is not 100 % accurate across all three and this account must be removed due to its inaccuracy. It is to my understanding that pursuant to 15 USC 1681 ( a ) 1 that the banking system is dependent upon fair and accurate credit reporting and this inaccuracy directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (CT)

We are trying to close on this property ( we are the sellers ) and suffered a loss due to theft of copper pipes, appliances, and damage to doors and floors. We jumped through every hoop set forth by Midland including the contractor choice being influenced by them in order to get the check endorsed by them and expedited back to us. We got them the insurance check on this Tuesday morning ( the XXXX ). The person we spoke with on Tuesday or Wednesday indicated Midland had everything they needed to get the check endorsed and sent back to us overnight per our request. The contractor will not start work until they are paid in full because the bulk of the bid is for materials and appliances. 

Now we are being told that they are treating this case per their delinquent mortgage process because they have us listed as and reported as delinquent under the CARES Act COVID forbearance we signed up for. They state this is because we were delinquent as of XX/XX/20 even though we brought the loan current by way of a permanent XXXX after XX/XX/20. We requested the CARES Act COVID forbearance as of XX/XX/20. As a result of their misinterpretation of the CARES Act, they are reporting us as late and will only release the insurance proceeds in stages, which our contractor will not accept and will not perform any work on or purchase materials for the property until they receive all the funds. 

This is putting us at a disadvantage because Midland and its fraudulent practices are keeping us financially beholden to them and preventing us the means to pay this mortgage loan off in full. Our buyer might back out if the closing is pushed out again. The only thing holding up payment of the mortgage loan in full is Midland itself. Failure to pay this loan off is also harming HUD as this is an FHA loan.
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

I paid off my lease with Chrysler Capital in XXXX by doing a lease buy out with my bank. In XXXX, I accidentally made my new loan payment to the lease with XXXX instead of my new bank loan. On XX/XX/XXXX, as soon as I realized this error I contacted XXXX. I spoke with a gentleman who assured me that since the account have been paid in full, the additional payment would be returned to me. After XXXX days of not receiving my monies back, I contacted XXXX again and they told me that I would need to provide a full copy of my bank account statement, with no redactions, in order to get my money back. This was never told to me and I informed the last that I would not be sending my personal identifiable information for my checking account. This is an invasion of my privacy. I asked for alternate options to which I was told that they understand my privacy concerns but that is their policy. They are making it difficult for me to get my money back. This is an unfair practice and a tactic to keep funds that dont belong to them.The funds were sent via ACH from my account through bill pay and those funds need to be returned to me. I tried speaking with a speaking with executive office and after an hour was told they would need to return my call. 

Pleas help.
Consumer complaint received 2023-02-21
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)

I recently checked my reports and noticed I had some unauthorized accounts and inquiries listed. I also noticed XXXX reinserted an inaccurate account that they once deleted. I know that this is against the law so I ask that they remove this immediately. I also demand that the other unauthorized inquiries get removed as well
Consumer complaint received 2023-01-20
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. (MA)

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, 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 A. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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.