davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am attaching the investigation request that my husband and I sent in to the credit bureaus on XX/XX/XXXX. They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
Consumer complaint received 2019-10-18
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. (TX)

Transunion is reporting incorrectly a collection in the amount of {$260.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should not be reporting as a collection on my credit report. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2018-05-07
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. (AZ)

This is the second written request asking the companies ( TransUnion, XXXX, & XXXX ) to provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
Consumer complaint received 2018-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (TX)

My husband went to purchase a vehicle. The dealership sales manager said he would probably not be approved for a loan just by himself and told me I needed to sign with him in order for him to get the vehicle. I have never had insurance and they knew I did not. Once giving them a XXXX deposit they let me take the vehicle off the lot. Upon looking at the paperwork they listed my husbands insurance from Ohio on the vehicle. The Ohio insurance says they are not going to cover the car because its registered in Texas. I tried to get my own insurance but based on my pay I will not be able to afford it they are saying its going to be 3,000 for 6 months. I also talked to the bank and they let me know the loan has not been approved yet and that i'm just driving around a free car. I explained all this to the dealership and they are saying I have no choice that I have to keep the car. I have attorneys and the bank saying no I can return it. Im not sure what to do.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/ I sent certified letter to XXXX XXXX disputing an item in the amount of {$900.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/ which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Burke Moore Law Group, LLP (NY)

I don't know what this is! I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim..
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My bank Huntington : Via the web portal I could see 1 ) My business checking account 2 ) personal checking 3 ) Joint savings account 4 ) My Huntington credit card A ) last week on Tuesday ( XX/XX/25 ), I went to my bank Huntington to make a deposit. I was informed I could not make a deposit and that Huntington was ending its relationship with me. 
I was told that in 3-14 days I would get ta letter and a check for the balance in the account * I could still see all 4 on the web portal B ) Also on Tuesday my credit card merchant told me that deposits were bouncing- so I couldn't get my payments from my credit card transactions c ) On Thursday the XXXX, I received an email that a deposit went thru on my business account. That was a change- so I thought things have changed. I did take out some money just in case this was a fluke * Now on portal I can only see Business checking and my Huntington credit card d ) Today- its been 8 days and no letter and no check on the balances on the accounts missing : My personal and the Joint Savings e ) Today I received notice from my XXXX XXXX  that a payment I put on there bounced. I took this as a very bad sign and that I have very little credit left on this card f ) so today, I go to Huntington to try and move out a significant portion of the money- leaving some monies for the automatic withdrawals. 
I am informed that my business account is closed. Now I am dealing with the exact same person at the bank as previously- so she remembers me from Thursday when I took some money out. 
She calls corp office. They have no answer to as why this is happening and they refuse to talk with me. 
I say to her if we are going to end our relationship then give me a cashiers check for 70 % of the account and leave some in for withdrawals- she says she can not take out any money. 
I say to her how can I pay my bills. She says now corp says I will get a letter and check for the balance in 35-45 days!! WHAT! 
* I can still see my Business checking account and Huntington credit card. When does the clock start on the 35-45 days? and Why did it get lengthened from 3-14 days?? 
I don't know what to do. I have the payment to the XXXX due on the XXXX and other payments coming due.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (IN)

I called XX/XX/XXXX to inquire about this debt. Credit Management , LP informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from Credit Management , LP, again as XXXX, and again as XXXX account number XXXX as till owing.
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

Hello, I recently changed jobs and my income went down. I applied for recalculation of my REPAYE payment. I submitted a paystub as evidence of current income. The new payment was incorrectly calculated. It was calculated using my gross income, not my Adjusted Gross Income, or taxable  income. I am attaching the paystub with the deductions circled that are not supposed to count toward my XXXX. These are my retirement contributions ( Pension and XXXX ) and my medical FSA. My paystub clearly shows my taxable income. I receive 20 paychecks a year like the paystub submitted. I am paid 10 months of the year since I work in education, they did calculate that part correctly. I am including two paystubs just for extra verification. My new payment should be approximately {$570.00} a month, as I have a child as well. I have written to Fedloan Servicing twice since they miscalculated the payment. The last response from them was on XX/XX/2020. I have not received any further information since then. 


Thank you, XXXX XXXX Account
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (WI)

XXXX bought out Simple banking and since doing the transfer I have been locked out of my account for 3 days not able to access any of my funds and I have bills due ... They have no customer service available and when they do they are hanging up immediately I need my money now and I will be closing my account ASAP.
Consumer complaint received 2020-07-29
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. (FL)

I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

Requesting documents 1099 OID form and the original charging instrument these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (CT)

The M & T Bank blocked our checking accounts in XXXX caused us checks to be bounced and mortgage payment to be delayed without any notifications and proper reasons. To resolve this issue, we had spent more than 4 - 5 hours calling several M & T Bank operators and managers at XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX. However, none of the M & T Bank representatives were willing to tell us why our accounts were blocked nor helped us to resolve the issue. As a result, I filed a complaint to the Consumer Financial Protection Bureau to resolve this issue on XX/XX/2023. 
XXXX XXXX XXXX on behalf of the Office of the M & T Bank President emailed me to contact XXXX XXXX for assistance with our account concerns on XX/XX/2023. I called XXXX XXXX at XXXX XXXX  on XX/XX/XXXX, and got no response. So, I left a message on his answering machine. On XX/XX/XXXX, I called XXXX XXXX at XXXX XXXX  again and got no replies. So far, we have never received his calls or voicemails. It has been more than a month that we still have not received the proper reasons why our accounts are blocked, and none of M & T Bank representatives would try to resolve this issue for us. 

Nevertheless, we really want to move on beyond this agony and depressed problems with the M & T Bank.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

DISCOVER BANK Account XXXX 15usc 6801 Protection of Non- Public Information DISCOVER BANK has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy DISCOVER BANK did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2019-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Please tell me why Equifax scores my credit XXXX points lower than XXXX, is very slow at raising my score, and will drop my score by several points immediately if my balances rise on any of my accounts. Is Equifax paid to suppress people 's credit scores??? Who pays these people? This is a genuine problem and I am sure I am not the only one that this happens to ALL THE TIME!
Consumer complaint received 2018-05-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (PA)

Our mortgage was transferred to 21st Mortgage in XX/XX/XXXX, at which time, we had been working with XXXX for modification. Despite having TPP, was unable to reach anyone until I learned we were actually transferred to 21st. IT was months before they had our account information, and by that time, 21st Mortgage made us reapply. Unfortunately, they have kept us in dual tracking limbo since XX/XX/XXXX, when loan was with XXXX. It was transferred multiple times with multiple assignments filed ; however, 21st Mortgage acquired loan from XXXX. Hence, it was eligible for HAMP modification. They repeatedly wrongly denied and took advantage of us at every turn. As a result, we have not been able to submit any payment, nor come to any kind of fair & reasonable modification, despite the loan being eligible and part of past XXXX settlement and foreclosure review.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (FL)

I get numerous calls a day in regards to a debt that I do not owe or even know about. I keep telling them to stop calling its not my debt. I asked them to furnish proof that this is me and they insist I give them my social security number. I refuse and they hang up and try again.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

I opened a Chase checking account on XX/XX/2020, I downloaded the XXXX app to login to my account, I then received an error that stated my account is locked and I need to call to get it unlocked. So I called about XXXX CST, the representative I spoke to was very rude, she put me on over 10 minute hold. She then came back and stated that I have to open a new account. While she put me on another hold, I attempted to go online to open a new account like she stated, however, it said I already had an account was not able to open a new account. She stated that someone in the back office shut my account down, no reason was provided. So I then spoke to a supervisor who was unhelpful and said that this account is locked and will close in 26 days. I had absolutely horrible experience with Chase Bank and the way their representatives lie to customers over the phone and are very hostile.
Consumer complaint received 2020-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

I notified via email my email was changed. If I did this or not. I went in to say it was not ok but of course I could not lid in because my email was changed. Then, I was notified I sent money to someone which I didnt. It was only {$20.00}. She had sent money back but of course I didnt receive it back. This company is PayPal and I can not get through to a human. Its all automated. Ive been trying to remedy this for a week now.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I applied for credit and was denied because TransUnion reported a score of XXXX, yet the TransUnion score reported to my monitoring service ( XXXX ) shows XXXX. 

Why is there such a large discrepancy? Shouldn't I as the consumer have access to the my data that TransUnion sells to companies deciding my credit worthiness?
Consumer complaint received 2022-06-14
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)

These inquiries I did not authorized. I have called Transuion and I have spoke with the creditors they have no record I did buisiness with them nor gave them permission to run my credit. I have been dealing with this issue for years. 

XXXX ( Inquiry date : XX/XX/XXXX ) XXXX Of XXXX ( XXXX Date : XX/XX/XXXX ) XXXX XXXX ( Inquiry XXXX ) 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

XX/XX/XXXXa hold was placed on my account. 
Its nowXX/XX/XXXXXXXX and stilk no resolve to my account even though its been past the 24 to 48 hr review they said its under. I provided all the necessary documents and still no access to my account at all. I recently was approved for the PPP loan which was deposited with no worries. They refuse to let me log in my account and access my funds. I need help ive done everything.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Michigan XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, Experian produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Enclosed are copies of ID and proof of mailing address. 
Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

5 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 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, EXPERIAN, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, EXPERIAN, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and XXXX  and EXPERIAN just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.