davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : 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 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 1681 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 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 2022-11-04
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. (FL)

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 U.S.C 1681. 

Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian is in violation of the FCRA ( 15 U.S.C.1681a ( 2 ) b Exclusions- That the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
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Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NV)

XXXX XXXX XXXX Good day. I am experiencing fraudulent and deceptive practice with synchrony bank Care credit account. When I was given this account with XXXX XXXX in XXXX XXXX. I was told that the purchase would be around {$1400.00} and if I use care credit, I would pay around {$1700.00}. I would be paying Somewhere between {$300.00} and {$400.00} for interst. That is a high interest, but I was willing to pay that amount. I have made monthly payment never missed a payment and now I am being charged almost an additional {$450.00} interest. Thats almost {$800.00} interest on a {$1400.00} dollar purchase. THIS WAS NOT DISCLOSED TO ME, and In Retrospect my monthly payment was made in a way where I wouldnt pay it off before the time when they were allowed to charge this additional interest, unbeknownst to me. This should be illegal and I am shocked and dismayed that banks are allowed to take advantage of consumers in this manner. What help is available for consumer protection from these fraudulent practices from greedy corporations. This should not be allowed. Many of us are facing financial hardship in this time and to have salt poured into our wounds is absolutely disgraceful in every way possible. Please help. 


Sent from my XXXX
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I have a checking bank account at BBT in North Carolina. My account became blocked and no one can tell me why. I called the bank several times and was told different things by different representatives. First I was told my debit card was block and then after some digging I was told that my account was pending closure and then back to online representatives telling me my account is blocked. 

At this point I just want my account closed. I can not visit a branch due to the global situation but I keep being told to go in to close the account which again I absolutely will not and can not do. I am completely unsatisfied with the handling of my account and I want it closed immediately.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX  and Equifax are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called XXXX spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from XXXX. I was told by XXXX that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all 3 credit bureaus are showing different information for the accounts listed below. 

The consumer reporting agencies which is Experian did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Experian violated my rights. 

1. Credit Bureau XXXX Experian Creditor : XXXX  Account Number : XXXX 2. Credit Bureau : Experian Creditor : XXXX XXXX XXXX Account Number : XXXX 3. Credit Bureau : Experian Creditor : XXXX XXXX Account Number : XXXX 4. Credit Bureau : Experian Creditor : XXXX  Account Number : XXXX 5. Credit Bureau : Experian Creditor : XXXX/XXXX  Account Number : XXXX 6. Credit Bureau : Experian Creditor : XXXX XXXX XXXX  Account Number : XXXX 7. Credit Bureau : Experian Creditor : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-31
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. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed XXXX
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 U.S.C 1681. 

Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Yesterday I received a threatening letter from Chase stating that they are accelerating the HELOC that was extinguished on XXXX when the illegal foreclosure on my home was done. This account has been rid of being part of the foreclosure. Not only is this account gone but this ______ XXXX Chase is trying to sell my home again! while at the same time billing me on it still. This in addition to the state of Mass issuing a foreclosure and related activities Stopped. You are in direct Violation of this new law. Chase you can not foreclose on his HELOC just because you put an illegal submission of another illegal document ( assignment ) 15 yrs After the initiation. It does not allow you to foreclose on my home with it. JP Morgan Chase Bank NA sent me the letter dated XXXX stating this status on both accounts. You need to get it. I had to travel for use of this internet service putting my life in danger before you try to take my home and evict me. I am a high risk for the covid19 being XXXX yrs old XXXX with underlying medical issues. I will also be contacting the courts and Registry of Deeds where you submitted this illegal " assignment '' with intent to commit Another illegal foreclosure. This second foreclosure attempt is set to start on XXXX according to the letter. See all attached
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

I have been trying to contact a company called NewRez about our mortgage loan they acquired. i have tried calling them since XX/XX/2020. i emailed them on XXXX XXXX i even called their sales team on XX/XX/XXXX and XX/XX/XXXX, only to be told by the sales team they were sorry they couldn't help us. i have sat on hold EVERYDAY since XX/XX/XXXX for at least 1 HOUR, and NEVER spoke to anyone! i have yet to get a response from my email on XXXX XXXX i have even left a voice message for someone to PLEASE call me back. NOTHING! i can not get in touch with anyone in service whether by phone or email, for now going on 22 days! All i am trying to do is defer my XXXX and XXXX payments to the end of the loan or just pay the interest for those two months because of the virus. our money is tight just like everyone else, and i am just trying to 1. make sure it is okay to do one of those options, and 2. our credit will not get XXXX  up because of this predicament. all i am asking for is to be able to talk to someone, PLEASE!
Consumer complaint received 2020-06-09
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. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$630.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (PA)

I contacted the company twice in XXXX concerning my unemployment due to the covid virus and I also contacted again today. They are not helping in any way, said make a payment this month or we repo. I explained I've filed unemployment and it's in the process but it is back logged so I havent received funds yet. CPS continues to state they are sorry but are not offering any help except payment plans which are not any help if you have no income and unemployment will barely cover a monthly payment anyway.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 at approximately XXXX I drove through the Drive-Thru banking section of Chase bank at address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX IL XXXX I deposited a check from XXXX for an insurance payout on my home of {$8900.00} After checking for close to a week, no deposit has been made although I am seeing the status as cleared from XXXX XXXX Payment Details Method of Payment Check XXXX Nature of Pay Payment under Dwelling coverage less {$1000.00} deductible less recoverable depreciation Breakdown Insd Dwelling {$8900.00} ( Dwelling-Structure ) I was passed around on hold for over an hour today and then informed that there is no evidence of a deposit and I would have to go into a nearby branch. I visited the branch where I made the deposit at ( listed above ) and was told they had no evidence of the deposit.
Consumer complaint received 2021-01-14
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: Experian Information Solutions Inc. (TX)

I have contacted Experian-NCAC several times at all their associated XXXX XXXX XXXX, XXXX, XXXX. They are still stating that several items that are on my Credit Report are mine when I have sent both XXXX & XXXX XXXX XXXX results to them asking why they found errors and Experian-NCAC did not. Experian-NCAC constantly sends me letters stating they will not reinvestigate the derogatory items without relevant proof. I have provided many copies to Experian-NCAC and they are still my lowest score, reporting accounts that are not mine. This is very frustrating especially when I am literally handing them the proof.
Consumer complaint received 2020-04-04
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: JPMORGAN CHASE & CO. (FL)

I had an auto loan with JP Chase I have a record of 99 % ; paid on time .for 5 years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from JP chase stating the account was paid in full no late payment. I need JP auto loan to correct the information of a late payment I was never late I demand from JP Morgan to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative
Consumer complaint received 2022-12-28
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. (CA)

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

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My escrow company has request a payoff of funds starting with XX/XX/XXXX, XX/XX/XXXX, I called on XX/XX/XXXX and spoke with XXXX at Freedom Mortgage and request another payoff this day and he told me it would be emailed over to the company to XXXX by XX/XX/XXXX. I am due to close escrow on XX/XX/XXXX at her email address. This refusal to send wire information and payoff information is rediculous.
Consumer complaint received 2020-03-25
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. (TX)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

I booked a business airfare and hotel accommodation through JPMorgan Chase 's XXXX XXXX XXXX XXXX  as I am a Chase Freedom Unlimited cardholder. A short time after making the original booking my business trip I needed to adjust both the airfare and hotel accommodation to extend a day later than I had originally booked. 

I was given a confirmation via email ( attached to this complaint ) of what I requested. I called back about a week ago to confirm, which I was told at the time everything as fine and my stay was extended until XX/XX/XXXX as requested at no extra charge and that I'd be good to go. 

Fast-forward to today, I am on the first day of my business trip, I stopped at the front desk of the hotel to verify when I'd be checking out only to find out, to my dismay, that the booking was still for the original date of XX/XX/XXXX, not XX/XX/XXXX. 

I called Chase XXXX XXXX  and spent no less than one hour of my time and spoke to 8 different agents, including a supervisor, who in the end told me that in order to extend as requested ( literally both two and a half weeks ago, last week and now tonight for over an hour ) that I'd have to now pay them {$200.00}.
Consumer complaint received 2020-03-25
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. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. XXXX XXXX XXXX, XXXX listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the XXXX legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new XXXX waiting period gives consumers time to resolve medical billing issues.