davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (NY)

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (CA)

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. 

XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX 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 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 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

U.S. Auto sales  closes down and transferred their accounts to Westlake Portfolio Management and it has been a mess. They stopped paying the company that providing the extended warranty that I paid extra for as well as GAP and Westlake does not honor that. They also added time and extra money on to my loan despite having paid on time or extra money over the almost year that i had the vehicle. Westlake calls all day demanding money but can not provide with a contract nor details about the warranty, GAP, or why my loan amount has gone up drastically as if I hadn't made payments.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I had a secured credit card with citi bank and I had trouble paying the bill so Citibank closed my credit card and did not refund the {$500.00} that secured the credit card. I'd like for the money to be returned to me as soon as possible
Consumer complaint received 2023-08-24
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: DISCOVER BANK (NY)

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

After giving my Mortgage Company ( Freedom Mortgage ) notice by phone today XX/XX/2023 of an escrow error, Freedom Mortgage is refusing to make any corrections to the error or investigate the error ( per XXXX the supervisor I spoke to ). I initially spoke to an agent by the name of XXXX id # XXXX after making several calls regarding this matter. After explaining to the agent there was an error in the amount of {$230.00} on my escrow account due to an over payment made to my homeowners insurance, the agent seemed confused and not competent in even understanding the issue at hand. I escalated and requested a supervisor and spoke to an agent by the name of XXXX. XXXX blatantly refused to research, request a new escrow analysis, and claimed everything was correct, and there was nothing done wrong. I then attempted to explain to XXXX that two other agents verified there was in fact an error. I also had one of those agents complete a conference call with my insurance company who not only confirmed there was an over payment, but provided a check number for a refund that was issued directly to the mortgage company ( due to overpayment ) and should have been placed in my escrow account. However, XXXX refused to even consider verifying unless he had documents directly from my insurance company ( XXXX XXXX ). He suggested that I should reach out to XXXX XXXX and have those documents sent. Although I explained to him the countless hours I've spent on the phone, the confrence calls that were made, as well as documents that we're faxed. The agent refused to take any action. I'm requesting that this matter is resolved immediately and that the actions of the supervisor XXXX who refused to investigate this matter be addressed. I will also be taken further action if not done so in a timely manner.
Consumer complaint received 2019-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

Ability Recovery Services has never sent anything communicating with me. They have violated the FCRA/TDCPA by not providing me with the opportunity to dispute this information I am not able to request debt validation from them. This has been disputed with the CRA 's and is negatively affecting my credit.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX/XXXX XXXX XXXX, account no.XXXX ... .is wrongfully reporting on my Experian credit bureau file.The account has been '' verified '' numerous times by Experian, XXXX  and XXXX   credit bureaus yet they ALL REPORT SUBSTANTIALLY DIFFERENT INFORMATION.The account was 30 days late in XX/XX/XXXX.60 days late in XX/XX/XXXX,90 days late in XX/XX/XXXX when it was subsequently closed by the creditor for non-payment on XX/XX/XXXX.The account was never brought current.The accurate date of first delinquency is XX/XX/XXXX and as such is two months away from ageing off of the report. ( 7 years, CALIFORNIA ) .IT IS AN OBVIOUS CASE OF RE-AGEING A COMMON PROHIBITED AND ILLEGAL PRACTICE ( FCRA ) .It is obvious from Experian 's two reports that re-ageing has taken place as a reaction to previous disputes.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mid-Atlantic Finance Co., Inc. (FL)

XX/XX/XXXX - purchased used car. Paid {$1300.00} down for a XXXX XXXXXXXX XXXX on same day. Was told by the finance guy, XXXX XXXX XXXX  XXXX - XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, fl ) that payments would be once a month ( I am a retired veteran who only gets paid on the first of the month ). I agreed to a {$9000.00} price on the car while perusing the car lot. I went to see XXXX at this car dealership because Ive known him for 20 years and purchased from him before. 

XX/XX/XXXX- was informed by mid-Atlantic financial that my loan was sold to them and to check my contract - that the car was now {$16000.00}. ( After paying with interest - total will be {$24000.00} ). I also was informed that payments would be every other Saturday- which is not the way I entered into the agreement at the car establishment. I realized that the best course of action would be to get payments once a month- so that I could honor a car deal and pay on time. 

XX/XX/XXXX - payment was due. I made a {$270.00} payment on XX/XX/XXXX. Found out there would be an additional {$6.00} charge on each and every payment I make. Now the total is XXXX. 

XX/XX/XXXX - made another payment of {$270.00}. 

XXXX XXXX I spoke to XXXX from XXXX XXXX  and asked him to please rewrite the contract to reflect once a month payment. He hung up. Since, he has not answered 15 calls to his business or returned my calls. 

XX/XX/XXXX - mid Atlantic financial is hounding me for another payment and as a retired veteran - I do not receive payment until the end of the month. Im facing penalties and no one will help rewrite the contract so that I can make my payments on time. 

Ive offered to return the vehicle to XXXX XXXX  ( XX/XX/XXXX ) after finding bug infestation, broken lights, faulty brake system with warning lights that wont turn off. XXXX XXXX said it would be a voluntary repo without any return compensation of the {$1800.00} paid to date on the car. ( 4 weeks of use at that date ). 

My car registration has been held hostage for 4 weeks without a phone call to arrange pickup from XXXX XXXX. Again - no one will return my call - or answer. 

Im asking that contracts be written according to the terms that I laid out - and XXXX agreed to. This is swindling a consumer. I have paid {$1800.00} towards a vehicle I have only owned for 6 weeks, over 10 years old, faulty, and need the help of someone from government to help me get results from either or both companies.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in XXXX for almost 3 years and someone fraud my credit theres several inquiries on my credit report that u never request or did. Thank you for your help
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I transferred a balance to Chase Bank Freedom Card at 0 % interest rate if paid off by XX/XX/XXXX. I made payments on that amount so as to pay off balance by XX/XX/XXXX. However, later I transferred another balance at 2.99 % interest rate. The payment terms said they would pay off the lowest interest rate first then the highest rate. I always made more than minimum payment on those two amounts. However Chase is only applying the payment to the 2.99 % interest amount and nothing to the 0 % interest amount. This causes me to not be able to pay off the 0 % amount by the due date of XX/XX/XXXX whereby that interest rate will then go from 0 % to the current rate of 26 %. That rate may cover the entire time I'v had that offered rate. I believe this is FRAUD on their part. I have talked to them several times to no avail. That is their policy they say. 
I want to be able to pay off my 0 % amount by XX/XX/XXXX however since they will not put payment money against that amount, that is impossible. In order to pay off the entire amount by making another payment, I would owe {$7600.00}. by XX/XX/XXXX. I don't have the money to do that. 
I want them to transfer previous paid amounts from the 2.99 % amount to pay off the 0 % amount, or extend the 0 % interest rate to coincide with the 2.99 % rate expiration date of XX/XX/XXXX.
Consumer complaint received 2023-02-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have filed a cease and desist against XXXX XXXX XXXX XXXX the continued communications have caused me to suffer severe humiliation, distress, and embarrassment. with unauthorized alleged amount of {$6000.00}. its also infringing upon my right to privacy
Consumer complaint received 2023-04-17
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. (CA)

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. See the documents attached. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXX XXXX. I did however work for XXXXXXXX XXXX which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.
Consumer complaint received 2023-05-23
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc. (IN)

I have explained to the creditors before that I didnt recognize these items on my credit report and that my identity had been stolen at one point about two years ago. I have also submitted disputes and they still have not removed any of these items. As they can see I have had fraud alert on my ssn for a very long time due to the situation of my identity being stolen. These inquiries are fraudulent and I would like them removed!
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have requested an increase to my credit limit multiple times and have not had it adjusted even though I have a high credit score, use my card regularly and have paid off my balances in full and on-time ( early in fact! ) through the life of the card, as well as having a consistent full-time job with yearly increases of my salary. In fact, while over a five year period my salary has increased by $ XXXX, while my credit limit has only increased by about $ 4k. It's starting to affect my buying power and credit score because I don't have enough credit to make the purchases I need and can afford. 

For over a year I have been denied increases with opaque reasons like " there has recently been a charge on this account '' and " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' When I call customer service they are unable to provide any guidance on why I am being denied and have agreed that I seem like a good candidate for increases, but there's nothing they can do because it's based on an algorithm. So to boil it down, Capital One can not tell me why their algorithm won't increase my credit limit ( when other credit cards have doubled my limit compared to Capital One ) and couldn't provide proof that the algorithm was mistaken, faulty or biased. They also couldn't assure me that a person would look over the account to ensure the algorithm is working correctly. The XXXX XXXX was recently shown to have an illegal gender bias and I can't help but wonder if that's what's happening to me here.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

I had a notice of collections that appeared on my credit report lowering my credit score by about XXXX points. On my XXXX credit report, it states the account was open XX/XX/2023. It was then sent to collections in XX/XX/2023. The amount owed is {$3300.00}. 

XXXX states it is for " AT & T Mobility '', a company I have never had before. This does not belong to me. 

I have tried to contact Sunrise Credit Services directly but they will not speak to me unless I give them my social security number ( which I am not willing to provide to these people ) or my current address. I gave them my address and they asked for a different address. I refused to give any other information because I am not going to continue providing personal information that they could continue to collect and use. I have disputed this with XXXX twice. The first dispute was through the dispute department on XX/XX/XXXX. The second dispute was through their fraud department on XX/XX/XXXX. They advised that I reach out to this site as well and I am doing so now. 

Please let me know what information is needed that I can provide to get this balance and history removed from my credit and restore it to it's accurate XXXX XXXX.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Venmo froze my account with no warning with over {$5500.00} in it. After reaching out to the company and getting the runaround for several weeks I received two dismissive emails from the company saying they would not release the money and might possibly keep it.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Declined transaction on XX/XX/2023 approved XX/XX/2023 after I paid XXXXXXXX XXXX  XXXX XXXX and a travel check XXXX from Truist to get my Car back on XX/XX/XXXX. XXXX claims they did not receive the partial payment XX/XX/XXXX of {$3000.00} XXXX. And Truist will not give me my {$3000.00}.
Consumer complaint received 2023-08-23
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: The CMI Group, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX Past due balance in the amount of XXXX Also attached to the address XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX opened XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX amount for bill XXXX have no knowledge of any of these accounts having my permission to have been opened. 

Not only did I not open this account I have also never stayed at the address listed.I have tried calling the creditor along with XXXX, nothing has changed I would like for this to be removed immediately.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (PA)

Marcus / Goldmans Sach closed my account because they suspected fraud. After verifying my information, they still closed my account. The investigation took several weeks to resolve and I didn't have access to my money XXXX + During the time that I didn't have access to my money, interest was never paid out when the balance was sent to me
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (CT)

Their payment system was down from XXXX On the morning of XX/XX/2023 we paid the mortgage payment that was due for XXXX. 

As of XX/XX/2023 their platform states the payment is still pending and we're receiving late payment notices in the mail from them. 

However, this is not the most frustrating part ( though it is concerning. ) We've attempted to contact them at least XXXX times ; once via email, and multiple times via their numerous " customer care '' numbers. These numbers all lead to an infinite loop in which you are asked whether you want to wait on the line or receive a call back. 

If you select wait on the line it routes past to a survey then hangs up on you. If you select a call back the call never comes. I've tried to get ahold of someone through every extension offered ; it is intentionally designed so that anything that can not be handled automatically is routed to the dead end ( XXXX ) We have never missed a payment or made a late payment and now we fear due to this company 's unscrupulous/non-existent customer care ; it will create trouble for us.