davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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. (AL)

After checking my credit report there are multiple inaccuracies from this company like date last paid, balance, recent payment history, status, and even date opened. My main concern however is that I was NEVER late on this account I have reached out not only to this company directly but to the credit agency as well with no response I have made consistent payments month after month and I would like to have these inaccuracies fixed as soon as possible as this has severely hurt my financial my standing. Please update the missing payments to current
Consumer complaint received 2022-05-14
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. (MA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions. 

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report.

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.
Consumer complaint received 2022-05-14
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. (MA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions.

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report. 

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Chase restricted my accounts without explanation. Not even at the branch am I able to open a new account. To my knowledge, I have done nothing to jeopardize my relationship as a client with them. It is more infuriating when they can not tell you the reason why. How am I supposed to fix something when I do not know what's going on?
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  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 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1681 section 602 A I Have the right to privacy.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (LA)

I deposited a check at a chase ATM on XX/XX/13 for more than XXXX. It was deposited and seemed fine, the next morning Chase debited the money back from my account, and I have not seen that $ since. The check was from my insurance company for IDA damage and the hole in my roof, I have no idea where this check is and how Chase has the authority to take such a large amount from someone with no apparent tracking system. That was 4 days ago and I am still waiting on XXXX, which is what they claim will deliver it, why they took it from my account has not been explained other then " there was a problem ''. I needed this check last week and Chase is acting like I committed a crime or something just by asking, I was on the phone with them for 4+ hours straight, was hung up on, put on hold for hours, and basically treated like garbage when I literally need to know where my XXXX is. I can't be the only one they are doing this to. I had to cancel the roofers and now have further damage to my home, all bc Chase decided to take my check back, for no other apparent reason than it was a large amount and they wanted it.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions.

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report. 

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (IA)

I refinanced my existing mortgage. On XX/XX/XXXX at XXXX the title company wired the money to NewRez ( the exising mortgagor ) to pay off the mortgage. NewRez applied the payment on XX/XX/XXXX and took 3 additional days of interest out of my escrow without any notification to me. How can they the steward of my escrow account take money out for their benefit without any kind of notification? This should be illegal!!! The title company has provided me proof of the wire to NewRez the morning of XX/XX/XXXX and I have forwarded that to NewRez and their response was it took 3 days to process. They charged me 3 days of additional interest by taking my money without permission thru my escrow!!! How can this be?? dont they have a fiduciary duty-Its my money and their charge was crooked and false. How many people are they stealing from? Im sure this is a widespread practice. Along with delaying my escrow refund by 30 days with no interest on my money. They charged me XXXX in interest for a time period they already had my money ( full mortgage had been paid off )!!!
Consumer complaint received 2022-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NJ)

There is no clear way to pay down the principal. They call it an " overpayment '' and they apply it to the interest of the largest loan. I have a XXXX loan that they have scheduled at {$420.00} / month and that would be paid off in XXXX or XXXX payments. The loan was originally XXXX and by the time I pay {$420.00} for 144 months I will have paid them {$61000.00} for a $ XXXX loan. When I looked at how I could pay down the Principal, I learned that I can not make a principal paymet but can " overpay '', but am not sure where that money goes? Does it go to the interest or the principal. Not clear and I would like to know and wonder how anyone can allow a loan like this to exist! 

When I called Sallie to find how how I can apply loans to the principal one man said, " you can't '' and hung up. The next agent walked me through the site. I had to log off and go to main site to find an example for repayment or 'overpayment '. ( The actual PDF will be attached, but I have copied and pasted highlights below ). Please not the unrealistic monthly payment that are associated with loans in the amounts of XXXX or XXXX? {$25.00} or {$67.00} a month is not accurate at those interest rates. So this is misleading and impossible to pay down! 

******FOLLOWING IS AN EXCERPT FORM AN ATTACHED OVERPAYMENT EXAMPLE PDF FROM SALLIE MAE.com ( XXXX is attached to this complaint ) ******* Loan amounts : {$10000.00} {$8700.00} {$5500.00} {$6800.00} {$31000.00} Current Balance 8.25 % 8.00 % 8.00 % 7.75 % Interest Rate {$69.00} {$25.00} {$37.00} {$44.00} {$170.00} Current Amount Due {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} Overpayment Amount Payment allocation : The payment of {$300.00} was first allocated across all loans to cover the Current Amount Due of {$170.00}. Then the overpayment of {$120.00} was allocated to Loan 1 because it has the highest interest rate of all loans. 
____ The agent and me could not find a description anywhere, that said this " overpaymenet '' was applied to the principal or the interest. WHERE WAS PAYMENT ALLOCATED TOWARDS! PRINCIPAL OR INTEREST? 

I would like to see where mypayment is applied when I make it. How much to principal and how much to interest and why does a $ XXXX loan need 144 months to repay and why is it slated for payoff 13 years from now when I am paying $ XXXX/month! 

Since I have 4 loans, I do not know how to pay down the principal for each, as Sallie Mae decides and applies the overpayments to the largest loan Main question, is this overpayment applied to interest or principal! Why are there XXXX payments for a XXXX loan!? 

I have 4 loans : You ask for loan numbers but there are 4. They control how they are paid off! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-14
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. (CT)

I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed.
Consumer complaint received 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX XXXX XXXX XXXX- Account Number : XXXX and XXXX XXXX XXXX - Account Number : XXXXhas 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 instruction 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.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-10-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NV)

On XX/XX/2022 I received a phone call from a lady saying she was from there fraud department and that I had a block on my net spend card I was asked several questions and then she said she removed the block that was at XXXX XXXX  Nevada time then at XXXX XXXX  I went to make a purchase and I got notification that XXXX XXXX dollars was transferred out of my account by me to me I never did that transfer or authorize it I immediately called the net spend card reporting fraud they sent me knew card and I sent in police report fcc report any reports I could send to prove fraud was committed I waited 14 days only for them to say it was my fault and then they closed my knew netspend account and said Im to much of a risk to bank with them I feel this is unfair how I was treated by this company this company automatically assume that there customer is to blameXXXX this was my reference number they gave me please help me
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NY)

In XXXX my credit monitoring service alerted me to a new account created for Acima. This company allows customers to buy now pay later. I didnt open this account and it was clearly a result of identity theft. I tried to resolve with the company but they said they needed me to file a complaint with FTC fraud prevention. I was then routed here. The account is now delinquent and has made my credit poor. Acima doesnt have a phone number for their fraud department and make it difficult to resolve these sorts of issues.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as XXXX XXXX XXXX continually bills me monthly with a higher balance then I owe. 

I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX XXXX XXXX XXXX XXXX was XX/XX/2021 and most recent email was XX/XX/2021. 

When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the XXXX XXXX XXXX directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''
Consumer complaint received 2015-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliant Capital Management LLC (IL)

ALLIANT ALSO CALLED ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX IN VIOLATION OF F.C.P.A AND FDCPA, AND FCRA.
Consumer complaint received 2019-07-22
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: REGIONS FINANCIAL CORPORATION (TN)

I filed a chapter XXXX XXXX. My bankruptcy has currently been completed as of XX/XX/XXXX. Doing the bankruptcy I didnt include my mortgage. I paid it outside of the bankruptcy. Regions Mortgage and Bank will not report accurate information on my first and second. The bank says its the credit company and the credit comapny says its the bank.