davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
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. (CO)

I have an active XXXX that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX XXXX, a subsidiary of XXXX XXXX   XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XXXX. 

In XXXX, when XXXX XXXX  XXXX  XXXX reported my XXXX account to TransUnion, XXXX  and XXXX for the first time, my XXXX  credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with TransUnion, 97 points with XXXX, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my TransUnion report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX XXXX XXXX XXXX  XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX XXXX, as well as contacted XXXX XXXX XXXX XXXX. I also filed disputes with TransUnion and XXXX. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NY)

Avant- credit card LLC unauthorized charges on credit card absurd fees and interest charges over 50 % of account balance, it obscene and outrageous, they should not be allowed to perpetrate these crimes with impunity Thank you XXXX XXXX
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Since 2009 Capital One is saying I owe {$1000.00} in some account number ending in XXXX. The debt is not mine and Capital One can not verify I owe this money. 

I have asked for copies of bills and Capital One can not produce. 

Also Capital One is saying I also owe on some account # ending in XXXX in the amount of {$550.00}. 

I want this off my credit reports.
Consumer complaint received 2022-07-22
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 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 2022-06-15
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX Credit XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX
Consumer complaint received 2020-12-15
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. (FL)

Equifax has yet to disclose how they verified the following accounts. i have also asked for a legal and binding contract or agreement between myself and the creditors bearing my signature. they have yet to provide any of this to me. 

1. XXXX XXXX Account Number : XXXXXX/XX/XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number : XXXX 6. XX/XX/XXXXAccount Number : XXXX 7. XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XX/XX/XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-10-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.
Consumer complaint received 2020-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XXXX XXXX XXXX. One of the debts discharged on that date was XXXX XXXX XXXX XXXX. XX/XX/XXXX it was placed for collection with Portfolio Recovery. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from XXXX XXXX or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly
Consumer complaint received 2018-04-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

As a tax paying American, I am angry and disgusted that Bank of America, after accepting billions of tax dollars which helped bail them out after the banks reckless business practices brought their company and the U.S. economy to the brink of disaster, that they are attempting to control public policy by limiting loans and services to pro-firearm individuals and companies. This is revolting and disgraceful behavior and a stop needs to be put to Bank of America and any other company who received Federal assistance and attempts to dictate public policy. What ever happened to free enterprise?
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TN)

To Whom This May Concern : I have an account with XXXX XXXX. The manager was reaching out to me to speak about a payment on the account. When she could not contact me during the day, she pulled a report and found my grandfather 's information and contacted him. Information, according to my grandfather 's significant other, was given out in regards to an amount of time the loan could be behind. The manager mentioned, " she has been trying to reach me for over a month. '' Feeling skeptical about the information given to them, I filled out a Cease and Desist letter informing the company they may not contact me or my references over the phone due to the issue. I also stated that any correspondence would need to be provided through the mail. 

On XX/XX/2018, months after the incident, I received a text message about my account on my phone. I contacted the company and informed them of the issue. I was informed by the branch manager that I would need to call home office. When I contacted home office, they insisted in taking my information, to have a manager call me back, even though I mentioned they could not call.

The branch manager at the XXXX location makes people feel intimidated and requires they must stop by the office. She raised her voice with me and insisted on making a payment arrangement when I contacted over the issue of receiving the text message. 

Please feel free to contact me if you need any further information. 

( If more dates are needed, I will gladly provide them XXXX This company should have the Cease and Desist on file, as I physically took it into the XXXX office and watch the manager fax/scan it over. 

Thanks again for your help! 

XXXX XXXX XXXX
Consumer complaint received 2018-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (GA)

I have been late but not behind, my concerns are : **New American Funding has not sent me requested information showing the months they claim late fees for, I do believe I overpaid the late fees, wired in through my credit union in the month ofXX/XX/XXXX 2018. 
2. I paid XXXX and the claim I was to pay XXXX and have held without applying showing my account as behind, which I disagree with. my last payment for late fees was paid in excess of what was claimed as due, submitted via wire for just the purpose of not being late. 
3. XXXX has put in place transfer from all customers to be able to transfer monies from one XXXX account to another, yet when I tried to pay my mortgage via the transfer numbers to chase for New American Funding, as mortgage lender, On the third time, after phone call from manager at XXXX XXXX I was denied, though I had done so on prior transactions, In each transaction, all of my information was submitted to assist in the application of funds, verified by XXXX employee on the receiving end.. XXXX called and has refused me opportunity to pay my mortgage that way even though it is a chase holding account, causing me to be late when it could have been avoided. 
4. Manager from XXXX called yelling and screaming, for about 15 minutes, to upset me, then he says I need to record the conversation, I asked why the recording was not going all of the time, no answer, I hung up. As result of that conversation, he blocked my future payments to New American Funding, through the holding bank, XXXX as receiving account. ( New American Funding has established with XXXX. 
5. Late payments were taken from my XXXX mortgage payment, and caused my account to look as though it was late without explanation. 
6. I also feel my account is being targeted on a monthly basis, making things much more difficult than it has to be. 
7. I have complained about the amount of time it takes for New Amer. Funding to apply funds, they in turn keep sending me the address to which I should send payments, it is the same place I have been sending, yet they are late every month applying the funds, sometimes two weeks.

I was having a very difficult time at one point and asked XXXX to allow me some assistance or arrangement to have one payment put at the end, I was denied, as was not offered any other form of  solution, very irritating conversation with employee, during the month of XXXX.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (WA)

I monitor my Credit reports, Dark Web and Identity and related accounts and activities daily/weekly, as I am an XXXX in XXXX at XXXX and have encountered and been a victim of multiple breaches and fraud due to the nature of my work. 
I received email alerts this week from multiple sources notifying me of unexpected activity on my reports across multiple agencies of which resulted in a credit score drop of 30points. 
I immediately accessed my reports to investigate and found that an unknown company filed a collections against me, without my knowledge and/or having received any communications written or otherwise. 
I immediately have submitted disputes via XXXX and XXXX! stating the debt was incorrect. The company came back within 2 business days and responded with repeat submission. 

It appears to be an Apartment building debt. I did in fact reside at the apartment referenced, however I moved out in XX/XX/2020 and paid monies owing. 
It is critical to note that my move out was during the height Covid and lockdowns. Paid my rent each month, and did not default or live rent free like many other tenants did at the time. Also a key legal consideration : the management leased my home to a new tenant and they began moving in/shipping furniture etc to my apartment BEFORE I moved out. I was NOT notified by management on-site I f a new tenant nor given notice verbally or written of this. The result : I was forced to find a new home/move out within one week of determining on my own that my home was being occupied by someone else whilst I was living/working from home. 
This was traumatizing and their actions or lack thereof left me vulnerable at an extreme moment in time and they expressed no remorse or options. I consulted an attorney who agreed that the management company was in the wrong ethically, and who advised me that the process to fight the wrongdoings would be both costly and lengthy for me. 

I resided at the luxury apartment for over 6 years and all payments and communication were done in good faith, with transparency and professionalism. 
I request that the CFPB investigate not only this charge but the volume was f charged/complaints received for said apartment, as I know there were others at the time who had horrible experiences and simply left/moved without paying or completing and broke their lease contract. 
I at no time broke a lease contract. 
This debt collection is unfair business practice.
Consumer complaint received 2018-04-29
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: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH Both made unauthorized inquires on my credit report.
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

I received a loan of {$1200.00} and signed the documents while XXXX  and not reading the details. After receiving the loan I noticed the payback amounts were astronomical. I then looked at what the payday loan laws of my state were and these loan payback amounts are way above the state of NJ laws on how much a lender can charge in interest. This company claims to be exempt from state laws due to their tribal affiliation, however they are using the tribal law affiliations to thwart state laws and to act as a predatory lender. I do not mind paying back the principal loan but the interest they are asking for of over 500 % is absurd & should be illegal. I also question their true tribal affiliation. This is criminal in my opinion especially since I was XXXX  when signing the document.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

I have requested for the company to send me a copy of original contract bearing my signature to validate that I am legally liable for the debt. On XX/XX/2018 I fax the company IC SYSTEM, a validation of debt. I have not received any responds from I C SYSTEM, they continue to report the credit agency. This a clear violation of The Fair Debt Collection Practice Act. The company had 30 days to validate the debt.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Im a victim of identity thieves someone got my information and opened up accounts in my name this was removed from my report before and now its back under a different company name this is on believable they keep calling me and I explain to them that Im a victim of identity thief and they said they was gon na close the case but never did
Consumer complaint received 2018-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (CT)

I noticed I had three amounts on my credit report totaling XXXX from XXXX XXXX XXXX XXXX. I filed a complaint last month with XXXX XXXX saying I had no idea what this amount was for. XXXX XXXX contacted XXXX XXXX XXXX XXXX and a letter from them was delivered to my house but to a name not known to me, XXXX XXXX, saying I owed XXXX. I called XXXX XXXX XXXX XXXX and spoke with a rep named XXXX. I told him my name was different from the name they sent correspondence to and that I had no idea who XXXX XXXX was. He asked me for the last 4 digits of my social security member and that matched XXXX XXXX but our birth dates were completely different. He asked me to fax him a copy of my drivers license to prove I was telling the truth and I faxed it to him the next day. He told me that that would clear it up so I was surprised to hear back from XXXX XXXX that XXXX XXXX XXXX XXXX said the charge was correct and should stay on my credit report. I'm at a loss on what to do as I am not XXXX XXXX and I proved that. I'd appreciate any help you can give me to get this erroneous charge off my credit report, thank you.
Consumer complaint received 2020-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2020 I was scammed out of more than {$2500.00} at XXXX of XXXX XXXX, a XXXX XXXX XXXX XXXX. I was sold a car care accessory and extended service contract under false pretenses. I tried to cancel both and was told they would, they didnt. When I went back in they tried to change terms of finance agreement, I would only sign if they took of the products I was duped into signing for. I resigned a total of 3 finance agreements. I spoke with General Manager of Dealership on XXXX XXXX and he took money off the price of the car as a compensation for my time and frustration, then today, XX/XX/2020. I get my first correspondence from my auto loan company with a different amount a higher amount and different payment and amount.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COMPASS MORTGAGE, INC. (IL)

Purchase of a 2 bed/2 bath condo at XXXX XXXX XXXX ; XXXX ; XXXX, WI with a close date of XX/XX/XXXX. 

XX/XX/XXXX - Signed off on a rate lock disclosure stating a 30 year amortorization period. 
XX/XX/XXXX - Signed off on a preclosing disclosure reflecting a 30 year amortorization period. 
XX/XX/XXXX - Texted that I will only be receiving a 20 year amortorization period and am being forced to sign a new preclosing disclosure reflecting this change with no quantifiable " change of circumstance '' Closing got pushed back to XX/XX/XXXX and I will be forced to forfeit earnest funds of {$1500.00} and a payment of {$480.00} for an appraisal if I am to walk away from this transaction. 

Requested Compass Mortgage disclose the " change of circumstance '' and was not given a reason. I was told they were within their right to make this change. When I called CFPB for guidance, a conclusion of filing a complaint was acknowledged.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account 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