davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (RI)

Why does the Target MasterCard hold your payments hostage for almost *3 weeks* without releasing your funds? How is this possible when my credit card accounts with XXXX XXXX and XXXX take no more than 2 days *at most*? How can this company take {$980.00} ( paying in full, early ) out of my bank account on XX/XX/2020 and not release my funds for 17 days?! What is the point of this " use it everywhere card '' if I can't use it? 

I made a second payment ( in full, early ) for {$1300.00} on XX/XX/2020 - my funds are immediately removed from my bank account, and then I'm told it won't clear until XX/XX/XXXX?! 

I was warned by XXXX I was " hitting the limit '' of my card, which caused a significant drop in my credit score, and its simply not true. I paid - IN FULL, AHEAD OF SCHEDULE - twice, and my funds are held hostage for so long it considers it to overlap and deny the use of my card for several weeks. Go ahead, check my credit history - its good. Im never late and I don't owe. 

This company was happy to immediately rip {$2300.00} out from my bank but can only tell me " there are lots of factors why [ my funds ] aren't available '' - but when asked, they fail to tell me what they are " because we cant see '' what effects my account. So who CAN see? No one?
Consumer complaint received 2020-02-13
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: STERLING JEWELERS, INC. (GA)

On XX/XX/2020 a lady named XXXX XXXX called 3 family members. Violating confidential information by telling one of them that she was going to 1. ) sue me for an old debt that I have with 2.  ) Key Jewelers also 3. ) giving the amount that I owe. Giving all info to a third party is illegal and against the Fair Debt Collection Act. 

When I called back and spoke to XXXX, She was not satisfied with me not being able to pay for the debt at the time, she threatened me twice by saying she was going to take me to court and sue me. When asked for an address to send correspondence to, she refused to give it. Making threats is also against the Fair Debt Collection Act
Consumer complaint received 2022-07-05
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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.
Consumer complaint received 2023-08-22
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. (OK)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (IL)

I have followed the account creation process per LendingClub.com and their staff. 

There is an error. I am unable to finish account creation, nor able to sign-in. No one is able to resolve this via email or the basic levels of customer support. 

I've been told a ticket has been submitted to resolve the issue. I currently do not have a way, online, to pay my installment via LendingClub, which is a digital bank. 

I've also been told that when the ticket is resolved and the account creation issue is resolved, I will not be provided with an update. Follow-up is being put upon me. 

Each call takes between 20-30 minutes of time. Each person I speak to is increasingly non-committal and unwilling to provide any clarity, nor any specifics as to when the issue will be resolved and their next steps, beyond asking me to continually check in with them.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (MN)

I made 2 XXXX XXXX transactions, realized they were a scam before the transaction went through, the money hadnt been deducted from my account when I reported it, the first person I spoke to at Wells Fargo told me she recommended to not stop payment but to open a claim and everything would be fine Wells Fargo denied my claim and now said I cant appeal the decision, I told them had they stopped the transaction before it went through we wouldnt be in this situation, now Im out {$260.00} and Wells Fargo is saying I have no options and it was a done deal, Im just going to have to take a loss, they also told me today that they actually never had the option to stop payment, then why did the first employee tell me different? She couldnt answer that question today
Consumer complaint received 2022-07-05
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. (MI)

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX L 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.
Consumer complaint received 2022-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I requested on XX/XX/2022 that the three credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.
Consumer complaint received 2024-03-07
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. (NC)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-05
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. (MI)

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXXXX/XX/XXXX Account # XXXX, XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XXXX XX/XX/XXXX Account # XXXXXX/XX/XXXX XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

My loan for XXXX XXXX XXXX XXXX XXXX, CO XXXX was transferred from XXXX XXXX XXXX to BSI Financial Services in XXXX of this year ( XXXX or XXXX ). Prior to the loan being transferred I paid {$57.00} in PMI via the escrow account. Also prior to the loan being transferred, I had submitted in writing to have the PMI removed as the loan to value ( original value ) was below 80 % which was accepted. 

In XXXX I received an escrow summary from BSI with a breakdown of the escrow payments. I immediately noticed that 1 ) PMI was still being charged and 2 ) the PMI per month had increased XXXX to {$230.00} per month. 

Upon noticing this I called BSI on XX/XX/XXXX. I was told the issue was sent to their escrow team and I would hear from them within 3-5 days. I never heard back and sent them a message on XX/XX/XXXX or XXXX. On XX/XX/XXXX I received a message from them that " We have submitted your request to the PMI department. Review may take up to 30 days and final determination will be sent to the mailing address on file. '' I have not heard anything back from them via phone, email or paper mail.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went for a XXXX that I booked, for it to be XXXX XXXX XXXX. The person who was supposed to do it did not deliver and instead started doing XXXXXXXX XXXX, I told him to stop and do XXXX XXXX on XXXX occasions during the service and he failed to do it. I tried to resolve the problem with the merchant but they said I must pay, under duress. Under duress I paid it and sought my credit card company 's ( Bank of America ) assistance based on poor quality of service. I did not purchase XXXX XXXX and I should not be charged for it. It is like coming to the car shop to repair your bumper, getting your tire fixed instead, at no request of yours, and the car shop asking to pay for it! The XXXX XXXX can not just provide poor quality of service of something that I did not request and still charge you for it! I looked to my credit card to help me with having charge reversed, and they failed. I do not understand the reason for denial of this charge back, I explained how the service was not what I contracted for and I believe this should be enough to have charge back in my favor. Bank of America must honor charge back for the service I did not buy but was charged for
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX XXXX : {$4300.00}
Consumer complaint received 2023-01-13
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I demand that these account be permanently deleted from my credit file
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

DOVENMUEHLE MORTGAGE HAS DRAINED MY ESCROW ACCOUNT BY {$6400.00} AND REFUSES TO GIVE ME ANY PROOF OF THE PAYOUTS. I HAVE SPENT OVER 30 HOURS [ 80 % OF TIME ON HOLD ] TRYING TO GET THEM TO EXPLAIN THEIR PAYMENTS MADE FROM MY ESCROW ACCOUNT IN THE AMOUNTS OF {$14000.00}. THIS EVENT IN XXXX OF 2021 RESULTED IN THEM DOUBLING MY MONTHLY PAYMENT. WHEN THEY REFUSED TO EXPLAIN, I INFORMED THEM THAT I WOULD HANDLE MY ESCROW GOING FORWARD. I HAVE NEVER MISSED A MONTHLY PAYMENT OF PRINCIPAL AND INTEREST AND PAID THE ESCROW UNTIL THEY TOOK MY ESCROW AND WOULD NOT GIVE ME ANY PROOF OF WHY THEY PAID 3 TIMES THE AMOUNT OF PROPERTY TAXES ON MY PROPERTY. I HAVE ANALYZED MY ESCROW WITH THE ACTUAL PAYMENTS RECEIVED BY THE TAXING AUTHORITIES AND THEY DO NOT COMPARE. I HAVE ATTACHED XXXX PDF FILES SHOWING THE ISSUES I AM HAVING WITH THEM. ISSUE # 1 IS THE PRINCIPAL BALANCE. I HAVE NEVER MISSED OR WAS LATE ON ANY PAYMENTS ON MY ACCOUNT. SEE PDF SHOWING HOW THE PRINCIPAL BALANCE THEY SHOW IS OFF BY {$2600.00}. ISSUE # 2 IS MY ESCROW ACCOUNT WHICH I ANALYZED AND FOUND THAT THEY PAID OUT {$6400.00} MORE THAN THE CITY AND COUNTY TAX ASSESSOR SHOWS. I HAVE THAT ANALYSIS IN THE SECOND PDF. 
FINALLY THE LAST PDF IS THE SUMMARY OF TELEPHONE CALLS AND MY REQUEST TO HAVE THE ESCROW ELIMINATED DUE TO CAUSE SINCE DOVENMUHLE REFUSED TO PROVIDE ME WITH PROOF OF WHAT THEY PAID AND WHY.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-14
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

Consumer Financial Protection Bureau I have received over 50 robo calls from " Chase Bank '' offering to decrease my credit limits. I hold NO Chase Bank cards, NO JP Morgan cards. I have spoken with reps and demanded they remove my name from the call list. I have filed a FCC complaint. These calls are to a registered DO NOT CALL list device. This is incessant and harrassing.
Consumer complaint received 2018-07-03
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: Experian Information Solutions Inc. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Here are some of the list i came across and any other more than 30 days old ... 
XXXX/XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2020-12-18
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: EQUIFAX, INC. (IN)

I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the Equifax data breach. Please fix this immediately.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (DE)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 BUreaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Good morning, Today I am complaining about the CRAs for improperly reporting inaccuracies on my Consumer report, not updating or removing the inaccurate items being reported and for reporting a Bankruptcy that shouldnt be reporting if the COURT never reported. I went up there to see the documents and they said they do not reprint anything to the CRAs and gave me document to upload here to have it removed. I also included the letter in the attachments but I have sent this FORMAL LETTER to them multiple times certified and nothing has happened. 
Accounts in question : Bankruptcy ( all 3 CRAS ) XXXX ( XXXX )