davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I am experiencing an issue with Experian, the credit reporting agency. Only them, the other two major agencies work just fine for me. 
Every two months Experian drops my credit score by 25 point with absolutely no reason.. After I intervene each time, it slowly goes back to normal level of XXXX. I care very much for my score. 
Since I expressed my objection in writing ( R letter ) numerous times, no reply ever from XXXX Headquarters nor from California satelite office. 
I assume this is the way to encourage me to pay for some type of $ XXXX month credit service subscription, which I will never do. Experian offers me this service every 3-4 days via e-mail. I would never pai Experian their ransom. the ransom. 
Please try to help me stop this practice. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail them bunch of documents, which of course, would only compromise the safety of my data. It will not provide me with any answers anyway, no matter what I sent. 
I am considering legal action at this time.Your organization is the last resort before that. 
I would like to add that I did my research. I know credit scores drop and go up, but this is not the case at all. None of the reasons for any drop applied to my situation. Can anyone help? I already wrote to Experian 's office in California as well as the headquarters in XXXX Nothing happened.
Consumer complaint received 2023-01-26
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: LEXISNEXIS (IN)

LExis nexis continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I received a notice today in the mail from Bank of America saying my application for a XXXX XXXX XXXX XXXX XXXX XXXX was denied, however I never applied for one, I know this because I recently applied for a mortgage and I can't apply for anything right now
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

I spoke to my financial institution about obtaining a mortgage to purchase a new home and they alerted me to the fact that I should check my credit scores because of the significant difference in XXXX of them ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ). 

When I checked my credit report I found a debt collection issue noted for {$59.00} from I C System. They also added an address to my file. I've never owned or lived at XXXX XXXX XXXX, XXXX, NC. 

XXXX XXXX XXXX is the address of an assisted living facility where my mother lived. 

Please remove this address and collection reference from all XXXX of my credit accounts.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (MI)

My family moved from XXXX to XXXX XXXX Michigan and there was no TCF Bank / XXXX XXXX  in the town we moved to. We did a change of address because we still had a couple bank accounts open with TCF Bank / XXXX XXXX. They changed all of our accounts over however missed one. Somehow XXXX put some unauthorized charges through our account causing overdrafts and a negative balance. TCF Bank sent notices to our old address and there was no one living at that address so the mail did not get forwarded. By the time we knew about the account being negative TCF Bank had sent it to collections within a month. TCF Bank / XXXX XXXX never called us or anything, instead their rude obnoxious collections company was the first we heard of a {$260.00} negative balance. I called customer service and could have paid them right away, however they told me there was nothing they could do. They told me I could go through the collections company or I could go right to the bank branch and take care of it. Over our holiday break on XX/XX/XXXX, we drove 220 miles to  the closest TCF Bank / XXXX XXXX. We paid the balance and got a receipt. The employees at the branch treated us very well, they were very nice at the branch level. Two weeks later, on XX/XX/XXXX we received notification that the " unpaid '' balance had been put on both myself and my wife 's credit! I called the branch and they said they would take care of it right away and for some reason our payment had not been applied. About a week later we were still getting calls about this unpaid balance from the rude obnoxious collections company. I called the branch again and they said it has been taken care of however it is still on our credit! See also my complaint on XX/XX/XXXX # XXXX to the CFPB regarding TCF Bank / XXXX XXXX. Maybe they are just incompetent when it comes to customer service at their main office, maybe it's coincidence, maybe they are targeting me and my family. My wife is XXXX  and this is all very stressful! TCF Bank soon to be TCF Bank / XXXX XXXX  has horrible customer service, deceptive bank products and gouges their customers with high unnecessary fees. I want this taken off me and my wife 's credit or we are considering talking to a lawyer.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

My account was " pending '' negative and put fund in it, and my online account reflected the balance was positive after depositing an ACH transfer, and then again cash, but Chase still assessed me five fees at {$34.00} each. 

the way chase posts the payments is also unfair. they post the largest transaction first, and then allows all the smaller transactions to be assessed fees. 

I went to the branch nearest me ( the other is a few miles aways, and in XXXX XXXX I do not have an easy method to get there, especially late in the evening. ) to make a cash deposit, but to my surprise there is no teller window, but a giant ATM machine. Chase is all about the bottom line, even at the expense of its customers. I do not expect them to refund any fees, they'll likely respond with some long drawn out response about how my account was negative and how transaction are posted in order. 

When I called to work with Chase, not one person I spoke with knew what UDAAP was, of course chase doesn't train it's employees on UDAAP, they create processes that are abusive to their customers.
Consumer complaint received 2019-02-04
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: JPMORGAN CHASE & CO. (WI)

AFTER REVIEWING MY STATEMENTS I FOUND A CHARGE ON MY CHASE FREEDOM CARD THAT I DID NOT APPROVE SO I CALLED MY CHASE CARD AND SPOKE TO A GUY NAMED XXXX WHO TOOK MY CLAIM FOR XXXX XXXX XXXX XXXX FOR {$2000.00} HE LET ME KNOW THTA I WOULD GET A CREDIT WITHIN 72 HOURS I GOT IT ON MONDAY OF LAST WEEK THEN THIS MORNING I NOTICED THAT IT WAS TAKEN AWAY AGAIN! I DID NOT APPROVE THIS CHARGE AND SHOULD NOT HAVE TO PAY FOR IT!!
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE COMPANY, XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The phrase Bureau refers to the Consumer Financial Protection Bureau. Credit bureaus are considered to be XXXX, transunion, and XXXX. there is only XXXX bureau, the bureau of Consumer Protection. Congress passed HJR-192 on XXXX XXXX, 1933, to suspend the gold standard and to repeal the gold clause. " Because the holding or trading in gold fixed the public interest in the subject to adequate laws and prohibitions, '' the resolution stated. Where's existing emergency have disclosed that provisions of applications with the purpose purpose of giving obligee a right to demand payment in gold or a particular kind of coin or currency, or in an amount money policy ; and ... .every obligation herefore and hereafter incurred, shall be discharged support payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) '' the term investigative " consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or way of life is obtained through personal interviews with neighbors, friends, or associates of the consumer report in on or who may have knowledge of any knowledge of any such items of information.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: RANTAX INC (CA)

My tax office called Rantax frauded me out of XXXX then told me the IRS with held it because I owed but didn't give me an explanation of why I owed them for my XXXX taxes the amount they left me with was XXXX but when I called up to Rantax they told me I went up there to sign for it using XXXX of my old signature but I stated I never received it and someone must of went up there and acted as me I told him to run his camera back but he said they couldn't go back about XXXX months which I know is a lie then he text! XXXX and told me the IRS had my money I called them and they said it was sent out to him and I called him again only for him to give me the run around saying I'll give you the bank it was cashed at but never did only a refund advantage number which I know he is committed fraud
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Credit Acceptance Corporation is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. Credit Acceptance Corporation is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account +63 % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a Arizona Superior Court Judge and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with Credit Acceptance, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the XXXX of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona Attorney General 's Office to hold Credit Acceptance Corporation criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.
Consumer complaint received 2023-01-26
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. (TX)

This is regarding a Chase in-app promotion via the offers they solicited as an upsell and the mailer I received. 

During an application for a business card in XX/XX/2023, a hard inquiry was made to my personal report rather than my business report. 
Chase advised me that they designed it to work that way even though the application states : # XXXX. I understand that when I accept this offer, Chase will post an inquiry to my credit profile. 

As a new and underrepresented business owner, it needed to be clarified what chase meant by my credit profile. They told the personal side, not the business credit profile. 

I called chase to ask that the inquiry be removed/deleted since it wasn't clear it was on the personal side, and I was informed under no circumstances would they do that even if the application was deceptive. 

I would like for them to please fix/update their promotional/marketing/application materials so that it is clear without any confusion that when applying for a business credit card, Chase will put a hard inquiry on the " personal '' credit profile. 

This would help new business owners better understand what is happening, incredibly since immigrants from different national origins ( many times without having a USA-based personal credit profile ) open new businesses at a higher rate than USA natural-born citizens, which can lead to discrimination that disproportionately impacts them if they were unaware that when applying for a business card, would affect their personal credit report and may also lead to higher declines due to their thin personal credit profile.
Consumer complaint received 2022-09-02
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. (NJ)

I have sent letter to Transunion over 6 times requesting that they send me proof of verification of Late payments from the DPT EDXXXX with account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. File number XXXX from my investigation results that I received on XX/XX/2022 from Transunion did NOT include proof of VALIDATION. It is the credit bureaus responsibility to ensure accuracy on my consumer profile, this grounds for removal of late payments. Transunion has violated my rights under the 15 USC 1681 section 602a which clearly states 1. I have the right to privacy they have also violated 15 USC 1681 604a section 2 that states a consumer reporting agency CAN NOT furnish any account on my consumer report with out my written consent, I did not consent to anything being reported on my consumer report.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TN)

Suntrust Bank has a partial payments section on their monthly statement. Months ago my section was blank zero . then payments were taking thousands of dollars off but not paying off the Principal. Then XX/XX/XXXX Balance was {$6300.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$3800.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$1200.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. Now XXXX Balance was {$930.00} with {$3500.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}, that's 6 payments. When I called to ask questions, they explained they were waiting for me to tell them what to do with suspense account. So I asked to pay off the account. I was told she can give me a payoff for tomorrow 's date. I told her you have my money. I said never mind I will go to the branch and pay it off right now. She told me you can't do that you have to wire the payoff. I asked for her supervisor. ( at this time I was pretty upset, no agree, so I hung up the phone and drove to a Suntrust branch. was met by a personal banker and began the process all over again. After a time on the phone with the mortgage people, she was able to explain and get a better understanding of what was going on? She was very helpful. At the end MY HOME IS PAID IN FULL. Plus a check to me for {$6100.00} So my concern is my Mortgage could of been paid off 5, 6 months ago? With paying interest? and lowering principal and what ever they want? So if holding my money in a suspense account allows them to extend the loan and me paying interest on that money does not seem like right/correct banking practices. Plus I can not be the only one Suntrust is doing this too. How many thousands, millions of others are they holding 4, 5 thousand dollars.????????
Consumer complaint received 2019-02-04
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 — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NE)

Our house that was attached to this mortgage had been closed in XX/XX/XXXX and transferred to the new owner. The company has held onto the funds for 1 and a half months and have continuously told me Ive needed to pay to get the loan closed out so it is no longer in my name. Ive paid a total of {$1300.00} out of my own pocket after the funds had been sent for the payoff. The loan is now showing past due and reporting to my credit and as being severely delinquent. The loan is still showing Unapplied funds since XX/XX/XXXX and they reversed a payment of {$1000.00} but havent refunded it or applied it towards the loan
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

I have attached a report from lexisnexis what you will see, Also what I will prove are two facts 1. they have my address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have attached a copy of my licence showing my correct address XXXX XXXX XXXX XXXX XXXX NY. Moreover I have never resided at XXXX XXXX XXXX XXXX XXXX as listed on their report. 2. Also take a look at their report it has a licence listed as NJ. I have a New York licence. I have attached a copy of my license as said proof. As you can see with their report attached they have incorrect also misleading information they have been providing insurance companies. How is this legal they are a fraud. As a result of lexisnexis false reporting I have suffered higher insurance rates. This has to stop immediately. I have enclosed the facts please review have them corrected immediately.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

Fidelity payment servers constantly crash, cause " service unavailable '' errors and why not? Fidelity make A LIVING OFF THE LATE FEES that they themselves cause. 

I was charged {$40.00} for a payment due on XX/XX/XXXX, as I was forced by Fidelity to make a payment on XX/XX/XXXX instead of the XX/XX/XXXX due date. 

The same thing happened on XX/XX/XXXX, Fidelity charged me {$40.00} for a payment due XX/XX/XXXX that was pushed out by Fidelity to XX/XX/XXXX. 

Fidelity must refund the {$80.00} ( {$40.00} + {$40.00} ) for illegally pushing payments past the due date.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (TN)

I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OH)

Chase refused to accept a wire to the account I have. They said they automatically sent it back to the sending bank. When I asked for the IMAD number they stopped responding. They said they wired it back on XX/XX/XXXX. The same day it was wired. However, the original sending bank said they never received the money. Ive tried to get information and follow up but chase will not provide it.