davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  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 a account without my written instructions.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX ) XXXX XXXXXXXX XXXX  Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Mortgage servicer : BSI Financial services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan number XXXX This company keeps sending me threatening letters even after I have provided insurance renewal documents over a month ago. My insurance agent has contacted them and provided required information.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

My phone was stolen out of my hand on XX/XX/2022. The criminals made a Chase XXXX payment to XXXX XXXX for {$2000.00}, Chase initially refunded the fraudulent payment, but then reversed it on XX/XX/XXXX, costing me {$2000.00}. I had 20+ other fraudulent charges across my credit card that were reversed, but according to Chase I authorized the {$2000.00} XXXX payment, even though the exact same day my account had multiple fraudulent charges and my phone, Chase app and credit card were stolen. I have never made a payment to this person before, and did not authorize it. This is fraud and JP Morgan Chase Bank did not follow CFPB regulation E. Please help refund my stolen {$2000.00} and hold JP Morgan Chase accountable for their unlawful and unreliable accountability.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

TransUnion Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : 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 Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (TX)

Company calls 2-3 times a day about past due amount on personal loan that was taken in XX/XX/XXXX. Company calls references and leaves messages frequently. Company has come to my home several times. Company pulled credit report without authorization in XX/XX/XXXX. I called and complained to corporate who supposedly was suppose to check why this was done. No response back but company kept with calls. Company pulled my credit AGAIN without my authorization in XX/XX/XXXX. I AGAIN called the XXXX number and was told that they would look into it and I requested to be contacted only via email. I am still getting collection calls and XXXX  has gotten back to me about unauthorized pulls on credit report in an attempt to damage credit. They also reported it delinquent to the credit bureau so there was no reason for credit inquiries.
Consumer complaint received 2024-02-28
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. (NC)

The XXXXTransUnion Credit Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Bank of China USA (CA)

I had an account with Bank of China New York branch, which was opened by XXXX. On XX/XX/XXXX, according to the confirmation email sent by BOC NY, I requested to have all of my statement sent through email. The bank confirmed the request after that. However, also according to my email record, I never received a single bank statement from BOC NY. On the confirmation, they did not say the statement will become annually, so I believe it still should be monthly statements. Because I switched major of my banking relations to XXXX and credit cards to XXXX XXXX, I didn't use the BOC account very often. And because of the change, it is hard for me to know what is my latest balance without a valid statement. By XX/XX/XXXX ( XXXX Standard Time ), I received an email from the bank which said my online banking account was frozen. I called the bank to figure out what had happened and the bank staff told me my account has been closed due to insufficient balance. I will never forget I still have an account if they are sending me a proper statement every month, just like I didn't forget I had an XXXX pre-paid card because I am receiving notice from XXXX every month. I contacted the bank several times after the closure, but they said they do not know if I had a negative balance and did not respond to my question " when, to where and how did you send my monthly statement. ''
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (MD)

Received a text message just now. 
I do not own a XXXX XXXX XXXX  account. 
The text read : This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX, XXXX. account. Visit XXXX XXXX XXXX   or call XXXX. # of messages varies & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. Reply STOP to opt out Please let me know if you need anything else.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and has previously been removed and reinserted in violation to FCRA. 

XX/XX/2017, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations confirmed with the State of Maryland Division of Financial Regulation, Ms. XXXX XXXX as well as Consumer Protection Bureau via complaint filed, the tradeline, XXXX XXXX XXXX Acct # XXXX removed. 

Since this tradeline has been reinserted with additional fraudulent information in violation of FCRA. Moreover, the reinserted tradeline dates have been changed for the purpose of extension of retention and asserted delinquency. 

Consumer asserts this has been a systematic behavior and violation of consumer 's FCRA rights. This appears to remain an oppressive irresponsible tactic targeted towards consumers, derogating their financial face of consumers and limiting job opportunities.
Consumer complaint received 2022-06-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TN)

I have a Chase XXXX Rewards card that has been in good standing. This card has had varying balances since I opened the card. I recently made a large payment of {$3500.00}. My total credit line was {$4000.00}. That left my account with a balance of apx. {$600.00}. Almost immediately after making this payment I get a letter stating that my credit limit has been reduced to {$900.00}. This takes my utlization of this card from 15 % to 80 %. This is ridiculous. I have not had a late payment with them or any other card on my portfolio and I have recently paid off over {$9000.00} in credit card debt. All of the reasons stated in this letter are false. I have called several times to get this looked at and customer service keeps telling me to call back another day. I was inquiring with them why I would make such a large payment only to have my credit line decreased when I have never been in default. This is ridiculous and now they keep saying to call back in two days ect.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I opened a new checking account through online banking and didnt receive the {$300.00} bonus promotion offered. I opened the account in XXXX, XXXX ; majority completed online. Went to the branch about 1/2 mile away from home with my niece accompanying as I am legally XXXX. I utilized the assistance of the bank employee to finalize account and verify I qualified for the promotion. 

Following protocol for promotion ( direct deposit within 90 days totaling $ XXXX ) ; accout in good standing at time of payout. I checked on anticipation date of payout via email on XX/XX/XXXX. I received a response confirming my meeting the qualifications for the promotion on XX/XX/XXXX also. After waiting plus 100 days and maintaining a positive balance I received a payment of {$100.00}. On XX/XX/XXXX I asked what was it for. Please see attached response.
Consumer complaint received 2020-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

1 ) There is {$11.00} charge that is XX/XX/20 -what is it. I did not authorize-how was it taken out? Please advise-I have waited years for disputes and never resolved. Making occ complaint. 2 ) Also they filed fraud against XXXX XXXX and not XXXX whose item was under warranty-hope this doesnt bite me.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (UT)

I received a notice of debt collections from I.Q. International around XX/XX/2022. Showing that I owe The Original Creditor, XXXX at XXXX XXXX, {$3100.00} and intrest of {$440.00}. 
I was never informed about the interst till this notice came. 
The collection agency is saying I owe the total amount of {$3500.00}. 
Now I have to prove that I have already paid the XXXX. It is a good thing that I kept records, or I would have to pay this whole thing twice! 
Debt collections needs to be held accountable for their misleading correspondence. To many people end up falling into this debt trap. It is ridiculous that I have to prove what I have paid, when at least, the Original Creditor knew and has record of my payments. The collections agency should check beforehand.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I made a purchase at Kohl 's Store the Order Date : Monday, XX/XX/XXXX at XXXX XXXX ( CST ), this purchase never came to the house even though the tracking number indicated that it had been delivered in the home. I called the USPS that was where they received the package through UPS, and they did an investigation and said the package was delivered at the wrong address or was lost. Then I made the claim to the Kohl 's store and they started an investigation and determined that the package was lost and that they were going to replenish the money to the credit card of the Kohl 's store, but from the date they keep charging me and sending invoices with delay fee that are increasing and that are damaging my credit. The strangest thing is that in more than 7 claims that I have made, in the last claim I made they told me the order was received back to one of their stores several months ago and today XXXX, XXXX XXXX, even they still charge me the bill and damaging my credit and not result.
Consumer complaint received 2018-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: JPMORGAN CHASE & CO. (GA)

I am a co-signer on my daughter 's student loan. I received a notice from the IRS dated XX/XX/XXXX. According to the IRS I did not report a " Cancellation of Debt '' on a student loan from JP Morgan Chase Bank. By the way, my daughter just received the same notice from the IRS onXX/XX/XXXX. I called the number on the letter and they told me it was a private loan, but that was all they could tell me. So I called JP Morgan Chase Bank and all they would tell me was that all of there loans belonged to XXXX and would not give me any information about the loan. I called XXXX and they did not show a loan for my daughter at all. I gave them the account number listed, but they said it was the prior company 's account number and was no good to them. The only way to dispute the IRS charge is to prove my daughter is still paying on the loan, but however neither company will help us. Surely JP Morgan Chase could research their records to find out what happen to the load. My daughter swears up and down she never had a loan forgiven or a XXXX What do we do?
Consumer complaint received 2018-10-12
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I am deeply disappointed with Bank Of America and XXXX XXXX for ending financial services to law abiding companies making and selling Firearms. This is nothing but an attempt at social engineering and bullying by large institutions who benefited from taxpayer funded bailouts when they faced financial collapse due to their questionable practices.

The entities they have targeted are operating legally and protected by our second amendment. My wife and I are both Life Members of the NRA, and strong supporters of our second amendment. We would like to see these financial institutions honor the taxpayers who saved them by supporting our second amendment rather than bowing to political pressures from the left.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I was pre-approved and applied for a credit card with XXXX XXXX on XX/XX/2021. 
Reference number XXXX They declined my application and said it was because I have no credit history. I have over a decade of credit history and have had no problems with getting credit in the past. 

They suggested we do a manual application so we did that on XX/XX/2021. 
They rejected it again and told me I don't have a credit history. I was able to pull all 3 of my credit reports and I faxed it to them after they requested it. 
They still refused my application and would not escalate it. I clearly have a credit history. They kept saying that it is Experian and XXXX 's issue and I should speak with them. 

I talked with XXXX and they said that they see that there was hard pulls on my credit report by XXXX XXXX so they must have got my credit report. They said it was XXXX XXXX 's issue and that everything is fine on their end. They refused to escalate or talk with XXXX XXXX on my behalf. 

I called Experian several times but was put on hold for over an hour each time and never got anybody on the phone. 

I could not get any of the companies to escalate the issue for me because I very certainly have a credit report. I do not know what to do or how to have this resolved.
Consumer complaint received 2018-12-11
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)

During XX/XX/2018, I disputed specific accounts and inquiries via mail that are fraudulent on my credit report. I am a victim of Identity theft and it is vital that all of these items are blocked and deleted.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

There is a collection account on my XXXX and XXXX account from receivables performance. Original creditor was XXXX. Paid XXXX in the amount of {$590.00} and was told this would be removed from my credit report on all bureaus. It is still on both XXXX  and XXXX
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

PNC overcharged me in overdraft fees. I called and tried to get it resolved. I spoke with a Mr. XXXX XXXX who advised that it was a business decision no to reverse the fees. I told him I would leave and would not obtain my mortgage with PNC because of the poor service I received.