davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
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. (LA)

I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.
Consumer complaint received 2021-08-28
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. (FL)

Transunion keeps exploiting my info I HAD A GYNOMASTIA CLAIM RISPERDAL XXXX & XXXX AND THIS MUST BE A PUN ... TRANS!! I GET IT ... IM TIRED OF THESE PEOPLE. THEY TOOK MILLIONS FROM ME AND I HAVE REPORTED THEM TO THE FLORIDA BAR JUST THIS MONTH. XXXX XXXX XXXX I will sumbit a claim for to. As far as credit reporting why the bother. What can You do? Just let me know what I can do about random score decreases for no reason then!
Consumer complaint received 2017-08-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

XXXX states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (WA)

Today my chase bank sent information that my credit score went down. So I checked everything and I found out someone did my ID theft to get Amex credit of over {$20000.00} and someone paid monthly payment in XXXX and XXXX but not XXXX, XXXX and XXXX. So Amex closed account. This was a fraud so I request a dispute and I am going to go to police department as well.
Consumer complaint received 2022-08-27
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-14
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. (MS)

This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian XXXX to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MI)

On XX/XX/2021 the lender received payoff from a new lender who I refinanced with. The amount sent by the new lender exceeded the actual payoff amount. On XX/XX/2021 I contacted the former lender about the funds overage and was told I would not receive the over payment until after XX/XX/2021 because they have a six week policy for refunding payoff overages. They stated they don't pay interest on those funds nor are they able to process the return of over payment funds any quicker.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NV)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. Also the debt does not have the same information on the XXXX and the experian credit report. One says a payment was made in XXXX, the other doesnt. Please see this is inaccurately reported
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (TN)

Credit limit was first increased then they decreased it. No payments were missed and have never been late in all the years and never been over the credit card limit since doing business with them. Telephoned creditor to inquire why credit limit was decreased. They advised they needed to decrease it due to ability to repay. Advised them this made no sense as I have never been late or over the limit with them. Later they pushed to try and have me setup an automatic payment with them. I refused to do so as I stated that I have never been late or over the credit limit with my account. Since Discover card reduced my credit limit my credit score was negatively affected and decreased my credit score. This has had a domino affect now with my other creditors who have subsequently reduced my credit limits which has further reduced my credit scores. Again I have never been late or over the credit limit with Discover or XXXX. Because of Discover it has adversely affected my credit scores and credit limits with other creditors due to no fault of my own.
Consumer complaint received 2017-08-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

XXXX states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased
Consumer complaint received 2015-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (MD)

I paid my debt in full on XXXX XXXX, 2015, according to the balance they told me. I called them on XXXX/XXXX/2015 and asked them why they had left a message on my mothers answering machine ( my old number ) about a debt and someone told me to sign some paper and then hung up on me I received notification from a credit monitoring service they were still reporting an open collection balance of {$25.00}, as of XXXX/XXXX/2015. No one ever mentioned a {$25.00} balance.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX still shows an account I had closed as open. I have disputed this in XXXX with all credit report companies. I sent a letter from a lawyer and the issue was corrected by XXXX, and Equifax. XXXX is the only one that has not corrected this problem. They continue to tell me that the account is still open. The account status that I am disputing is from : XXXX XXXX XXXX  It states the the account is open and there is a past due amount of {$6.00}, XXXX. 
It has been causing several " hard inquiries '' on my credit report when I try applying for a credit card or a loan causing my credit score to drop. I would like to have those removed as well as the account listed as closed. 
I have attached the letter I sent to XXXX, Equifax, and XXXX in XXXX. The issue was resolved with XXXX and Equifax only. 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept Zelle for payment. I had used Zelle via XXXX XXXX in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my Zelle account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be Zelle customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from Zelle, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a Zelle business account. I immediately contacted XXXX XXXX to request an interception of this transaction ( case # XXXX ). I was told by the XXXX XXXX agent that she could not intercept the payment, but that she would file a claim to request that Zelle investigate it. I also attempted to contact Zelle directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because XXXX XXXX had held it because of my call, but was dismayed to see that it was processed XXXX days later. On XX/XX/2022 I contacted XXXX XXXX again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.
Consumer complaint received 2019-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

Opened a key bank checking account around XX/XX/XXXX during a promo in which you deposit XXXX $ & they send you XXXX $ had 4 representatives tell me different stories. 2 representatives had no knowledge of the promo never told me you had to make a single deposit of XXXX $ in order to receive the XXXX $ then another representative tell me months later on XX/XX/XXXX you had to make a single deposit to receive the XXXX $ then the last representative tell me you had to make a single deposit off XXXX $ in order to receive the XXXX . Ive wasted months trying to do exactly what was asked only for it to be the wrong information. Ive been directed to different people & my issue still hasnt been solved
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (NV)

In accordance with the Fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have 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. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have 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. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Nevada XXXX XXXX
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivables Management Partners, LLC (IN)

IMC Credit Services made a second phone call to my place of employment today XXXX XXXX XXXX, XXXX ) from the phone number XXXX after I already filed a complaint on XXXX XXXX, XXXX. Their response to the original complaint was that they would cease attempting to contact me at my place of employment.
Consumer complaint received 2017-08-30
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: EQUIFAX, INC. (GA)

I have tried to solve this issue with Equifax and the creditors. They all told me that I authorized these inquires when I did not sign anything or authorized them to pull my credit. 

XXXX XXXX, DOD Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX GXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2018-07-11
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. (TX)

XXXX XXXX  amount owed XXXX, i have call XXXX XXXX repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit
Consumer complaint received 2017-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Purchased my home in 2007, My loan was first with First franklin then first franklin sold my loan to Bank of America I tried with both companies to do a loan modification 11.7 % interest rate, at the time XXXX was the company Bank of America had doing loan modifications each time I would send my paper work in they kept saying they did n't get my modifications even when I went to Bank of Americas bank branch to have the paper work faxed four times in four months, I even took the modification paper work to XXXX sent them to Bank of America.
I am a XXXX XXXX  and I believe I am Victim of predatory leading practices
Consumer complaint received 2015-09-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

This is a follow up to complaint # XXXX where the bank USAA resolved the issue in my favor but as " revenge '' decided to deliberately disable my overdraft protection linked to my USAA credit card on both of my checking accounts. Customer service there following the complaint only got worse and more rude where they could n't answer the most simple of questions of when the hold policy would change as it applied to me because I was getting conflicting answers. They suddenly decided to do as I asked one day, refunding the interest charged on my credit card and lifting the hold policy but decided for some immature unprofessional reason to disable the overdraft protection on both of my checking accounts, which has now resulted in a {$29.00} overdraft fee from them on XXXX plus probably interest and a late fee from the credit card company requesting the payment. I really do n't understand why they ca n't be straightforward and professional instead of having a temper tantrum. The complaints will continue until they do the right thing without exceptions.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (DC)

In XXXX XXXX I entered into the following agreement with XXXX, a representative from XXXX XXXX : 5 installment payment plan that would reconcile my past due balance and keep my payments current. The agreement was to deduct {$130.00} on XXXX XXXX, XXXX and then {$110.00} every two weeks beginning XXXX XXXX, XXXX. After the completion of the payment plan, my account was suppose to be current and I would go back to making my regular monthly payments. Unfortunately, after the installment was complete, I received several calls from XXXX XXXX stating that I had a past due balance of over {$400.00} and that I had to pay it immediately or further action would be taken. I explained to the representative that I believe their information was incorrect and talked to her about the payment agreement I had just finished. She informed me that my agreement was only to take care of the past due balance and that I am still responsible for making my regular monthly payments. I explained to the rep that was not the agreement I entered into, and had I been able to make the regular monthly payments in addition to the installment agreement, there would be no need for the agreement. I would not enter into an agreement that I knew I could not afford. Since that conversation back in XX/XX/XXXX possibly XX/XX/XXXX, I have three particular incidents in which I had to escalate to a manager because the Representatives who continue to call me have been rude, unprofessional and threatened to take " other action '' which could result in damaging my credit and assets. In particular, i recall two phone calls one in XX/XX/XXXX and the other on XX/XX/XXXX in which the representatives were rude and unprofessional. Since I am a victim of identity theft, I explained to the Rep on XX/XX/XXXX at XXXX XXXX that I did not feel comfortable supplying/confirming my personal information to him since I could not verify his identity and his responses were " you did n't have a problem giving your personal information when you wanted this credit line '', " either make the payment now or else we will take further action that will hinder you in the long run '', " if you dont make this payment we will look into your assets and financials, you can avoid all this ''. Approximately 5-10 minutes after that phone call, around XXXX XXXX I received another call from a different Rep at XXXX XXXX asking the same questions. Back in XX/XX/XXXX, I had an issue with a XXXX XXXX Rep who repeatedly yield at me, threatened to take further action and actually hung up the phone on me and then called back and left me a voicemail which was unprofessional and very loud. I have asked XXXX XXXX to provide me with documentation regarding my installment agreement, I have yet to receive this. I 've made several complaints to escalate this issue to a manager, no one has contacted me and I continue to be in contact with rude, unprofessional representatives.