davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One=Quick Silver Credit card. On XX/XX/XXXX someone took {$150.00} from my checking account without my consent. I notified Capital One by phone of the problem and my account being overdrawn and a dispute was filed out. I was told my payment not due till the XX/XX/XXXX. XX/XX/XXXX went to bank and they notified Capital One my account problem and to rerun my personal check they would honor it. XX/XX/XXXX my checking account was refunded the {$150.00}. Credit One charged me {$30.00} for non-sufficient funds as well as a {$25.00} past due fee for XX/XX/XXXX.  In XX/XX/XXXX they charged me another {$35.00} for past due fee ( makes no sense my checks are mailed at the post office on the XX/XX/XXXX of every month when I get my SSI XXXX check ). Payment wasn't posted until the XX/XX/XXXX. Again in XX/XX/XXXX they did the exact same thing waited a day after due date to post my payment. Another {$35.00} fees charged. In XX/XX/XXXX again the same thing. In XX/XX/XXXX I called and spoke to a representative complaining about my bill. She wanted to sign me up for a Specialty Assistance Program. Told her I just wanted my bill current and to stop waiting 1 day past my due date to pay my bill and charging me late fees. What do I owe and I'll send a check in the mail. She said with the NSF and three late fees taken from my bill my balance is {$200.00}. I told her I would send a check XX/XX/XXXX for that amount and mark Paid In Full in Memo. She said make sure I put the last 4 digits of my account number on as well. On XX/XX/XXXX I sent them a letter to terminate my credit card. Amazing that check was ran as an Electronic Check Conversion for the {$200.00}. Get a email from them saying my monthly bill is ready to view. I open it and it says I still owe over {$150.00}. Call my bank XX/XX/XXXX she gives me the transfer code and reference number. They have my cancelled check. Hence, they also receive the paper showing indeed my account did come out to the {$200.00} as per the woman suggested the pay off amount was for.
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ridge & Valley Realty, Inc. (FL)

There are two collection listed on my credit file that are unknown to me, I have disputed with no validation received back. The accounts are XXXX XXXX XXXX XXXX and XXXX These inaccurate remarks need to be removed
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been discharged and I need them to be deleted, as well as all other paid off accounts on my credit report.
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TX)

The Predatory Lender American First Finance was a lender I used to get a XXXX for around roughly {$1000.00}. I was set up for biweekly payments and made sure to make each payment full for 3 months. Assured by both parties ( XXXX XXXX XXXX American First Finance after calling ) that I was on track to pay everything off on time without any extra trouble. Today when I pulled up my account- it showed that I suddenly had a balanced owed of {$2500.00}, after making all of my Payments for 3 months. 


Its very unfair to me because I was ensured multiple times by both parties that I was enrolled and making payments at rate that ensured that the product would be paid off on time without paying triple of what I was expecting. There were also no emails or phone calls to inform me that this was going to happen.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (CT)

Diversified Adjustment services called me and threatened to ruin my credit and have me deported if I did not pay a utility company for a debt I either don't know or that is the product of identity theft. Diversified Adjustment Services Inc said that although I was born overseas in XXXX XXXX as US Citizen because my father was in service, and as a result if I lost paperwork and didn't pay the bill that they would report me to someone at XXXX for immediate deportation ( lived in country for over 40 years as US citizen ). 

The phone number that called me was XXXX
Consumer complaint received 2022-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

We originally had our mortgage with XXXX  XXXX XXXX for many years. Because of covid and our business shut down for 2 months, we applied for the relief. XX/XX/2021 we were wanting to start making our payments again, and XXXX  XXXX XXXX sent us a loan remodifacation, which cut interest rates and payments practically in half. Which we were excited about. Then they sell us to this Mr. Cooper ( Nationstar Morgage ) so then its in review with them. I had set up their app on my phone, but they would not let me make a payment. They just kept on saying it takes time when you are being transferred and loan remodifacation, there is nothing you need to do. Then finally in XXXX, our loan remodification was approved and so we waited for the paperwork to come, which it never did. Then as of XX/XX/XXXX, they are saying it expired and we have to fill out an application and start over ... ..I feel like this is very shady and I am sure they are not going to give us that rate and probably higher than what we had originally. I also called multiple times to find out what was going on with our loan and they were like Oh we will get this expedited for you and still never got our paperwork.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX 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 XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED 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  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 2022-06-20
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 the creditors below, 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. 

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 XXXXXXXX XXXX XXXXXXXX bankruptcy dismissed XXXXXXXX XXXX XXXX bankruptcy discharged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED 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 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, I attempted to make a purchase via XXXX XXXX. It was during the review of my credit file that I learned of a freeze via a PIN. I have never ever put a freeze via Transunion  but several years ago, I did prevent access through XXXX. The problem is upon visiting Transunion  website much information is being advertise regarding this PIN. My question is how does Transunion  possess so much power that they can apply PINs without the consumer 's request. And, by doing so, never communicated such information to the consumer. My purchase through XXXX XXXX was hindered because of this PIN. Transunion site does not permit easy access to removal of such PIN without encountering a product that they seek the consumer to purchase.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with GE Capital was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX GE Capital stated they longer have an account for me because the contract was canceled and charged off on XX/XX/2018 XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On my credit reports they have me down as having a bankruptcy charge and it 's incorrect and because I was late on a couple of bills my name was put on the bad credit list! After paying them off I 'm still on the bad credit list and I paid them off on time in fact early. So what can I do to get my name off or fix this problem please help me. Thank you for your time
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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

15 U.S.C 1681 section 602 A and 602 B. States I have the right to privacy and accuracy within my credit report. 

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. 

On XX/XX/2022, I sent letters to XXXX, Equifax, and XXXX about inaccurate information that was in my credit report and as of today XX/XX/2022, inaccurate information is still in my credit report including my year of birth, spelling of my name, and former addresses, along with the information from this XXXXXXXX XXXX XXXX  company.
Consumer complaint received 2022-03-07
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. (IL)

Ive submitted dispute letters regarding two separate accounts to Transunion on inaccurate and outdated information. The first letters were sent in XXXX of XXXX, followed up in XXXX of XXXX. It has been well over 4 months. 

One for XXXX the other for XXXX. 
XXXX they are reporting " At least 12O days PAST DUE. '' THIS ACCOUNT IS PAID IN FULL AND CLOSED. Needs to be corrected to PAID. 

On XXXX - Two-Year Payment History : Reporting outdated history that is more than two years old. 

There has been no response or indication that an investigation was even started. 
Ive attached letters and copies of my credit report on both accounts.
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires. I have been disputing these inquiries to no avail with Transunion.
Consumer complaint received 2022-03-07
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: ENCORE CAPITAL GROUP INC. (NC)

Midland credit management is reporting an account on my consumer reports that i have no recolection of and they have absolutely no documentation to on this account to provide me to validate this account basically all they have is my name and an amount they are trying to collect on, no other form of documentation to prove this alleged debt. I have asked multiple times for validation and they can not produce any valid documentation. i was this account removed from ALL of my consumer reports immediatly.
Consumer complaint received 2022-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

On or about XX/XX/XXXX, I signed a modification packet with Freedom Mortgage who services my loan. I made my first payment on XXXX XX/XX/XXXX and attempted to make the 2nd trial modification payment in XX/XX/XXXX but instead was told my modification paperwork WAS NOT in the system and i would have to wait to make the XX/XX/XXXX payment. I called in XXXX on 4 separate occasions and finally was informed the modification paperwork WAS NOT returned by the notary and Freedom Mortgage would have to underwrite my loan again for the modification. I, called every week since XXXX XX/XX/XXXX and I have been told it would take 10 days, 30 days, the file is still in underwriting, a host of excuses and as of this day XX/XX/XXXX, I have not received another modification, I've received calls in regards to payment, but no resolution as to what I was promised. ( A NEW SET OF MODIFICATION DOCUMENTS ).
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion has been reporting a negative account on my report for the last 3 years I have suspected and they will not remove the account is incorrect has no date no amount and showing negative for three years I have reported over and over and they have done nothing to help
Consumer complaint received 2020-12-16
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: HSBC NORTH AMERICA HOLDINGS INC. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, XXXX XXXX/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, HSBC BANK USA XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX Subject : Demand for Arbitration Dear XXXX XXXX XXXX I am writing to formally demand arbitration regarding the dispute related to CONTRACT, billing errors under the terms of our contract ( balance owed and reported ) INACCURATE Date of Last Activity : XXXX XXXX. In accordance with the arbitration clause detailed in our agreement, I propose initiating the arbitration process to amicably resolve this issue. 
Please acknowledge this letter and inform me about the next steps in accordance with our agreement and applicable laws. Failure to respond within 14 DAYS will compel me to seek further legal action. 
I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (TN)

My unemployment insurance card was stolen out of my mailbox and I have tried and tried to get in touch with the the benefits issuer but non luck. I was supposed to have 2 deposits each {$1400.00} in which equal to {$2800.00} which was unauthorized card use. I cant order a replacement card even though my card is stolen and not in my possession.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On Thursday XX/XX/XXXX I opened a payee account for my son who receives ssi. I successfully opened the account and deposited the check which they were going to hold until the XX/XX/XXXX. Now I tried to use my card on Friday to make a purchase and I went to my chase online account only to find it suspended and I called and no one can tell me why and they won't realse my money until 10 bussiness days
Consumer complaint received 2018-05-19
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. (NY)

I paid off a collection account from the original creditor ( XXXX XXXX XXXX XXXX ) with a collection agency named ( XXXX XXXX XXXX ) Under a written agreement from them stating to remove from all credit reports. Experian has not removed this collection from my reports. I have disputed more than once with them. I have the Pay for Delete letter that XXXX XXXX XXXX sent me as proof. XXXX and XXXX   have already graciously removed said Item from reports.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I had a bankruptcy discharged in XX/XX/XXXX. XXXX waited 10 years after my bankruptcy and put it back on my credit. I had to fight with all the credit bureaus to get it removed. I sent in my bankruptcy papers to Equifax to have it deleted. Equifax ADDED the bankruptcy to my credit file. I spent 3 hrs on the phone arguing with them to have a young woman from overseas state that my bankruptcy was filed in XX/XX/XXXX and would remain on my credit for 10 years. I sent a schedule showing them listed as an unsecured creditor and also the discharge papers. Equifax will not admit they made a mistake by placing an 11 year old bankruptcy on my credit and said I needed to dispute it. Why would I need to disputed something they added to my file incorrectly? I have been going in circles with them regarding this bankruptcy and I am at wits end. Please assist me with this. They Equifax operator said the bankruptcy has never fallen off my credit ... from XX/XX/XXXX??? This is unreal!!! These credit bureaus do not have the right to ruin lives and upset you day to day life style ... and then take their time to correct the error.
Consumer complaint received 2022-03-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gragil Associates, Inc. (MN)

Received call saying I owe on an old pay day loan. Said if didn't pay they would file lawsuit Took pay day loan over 11 years ago. I recall repaying loan Said if didn't pay they would file lawsuit and garnishment Told them to file and hung up