davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (DC)

Mr. Cooper acquired my loan. After they acquired my loan on a random day without my consent or knowledge they charged my bank account for a mortgage payment. At the time I had no idea who Mr. Cooper was and that they had acquired my mortgage. I had the bank reverse the illegal charge. Mr. Cooper stated that they obtained autopay information from my previous lender and said they were authorized to charge my account. I told them absolutely not. They had no permission or authority and the date of the payment was unscheduled. The bank agreed with me that Mr. Cooper 's conduct was illegal and reversed the payment. I have 60 days to make a payment to Mr. Copper without penalty. Mr. Cooper has put a {$25.00} fee on my account because their illegal charge was reversed. They are charging me for stealing money from my account and having the charge reversed. This is a horrible company with horrible people.
Consumer complaint received 2022-06-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and 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 2022-06-10
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  Accounts " XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , 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 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/2021 I purchased a motorcycle online with Chime debit card for XXXX. I realized that shipping would be delayed because of pandemic so I immediately cancelled the order the same day. I got a email stating order was cancelled and refunded. Chime made me fill out disputed transaction paper. I filed the paper along with all the messages from XXXX company verifying cancelled order and since then I have gotten the run aroundsome say they dont have the transaction some say they do and the emails keep coming saying they are working on I cant get a straight answer and that are stonewalling please help
Consumer complaint received 2021-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I reached out to Experian to discuss the fact that my utilization went from 80 % usage down to 24 % usage and they decreased my credit score by 11 points. While XXXX  and XXXX  increased my score. Upon discussing this issue with a representative and asking to speak with a manager the representative disconnected the call. I attempted to call back and was placed on hold and then disconnected again.
Consumer complaint received 2023-01-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : PORTFOLIO RECOVERY A {$560.00}
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by XXXX XXXX and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

At XX/XX/XXXX, I was in Bank of America to have my name added on an existing account to my mother which was also in the bank with me. While talking to the personal banker and manager, they told me I was unable to be added on to my mother account because someone took my SSN # and name and continued to open up an account during the months of XX/XX/XXXX and was successful on XX/XX/XXXX. I was shocked and begin to report this incident to the Bank of America fraud department. I have not had an account at this bank since XXXX or XXXX. While I report the fraud to Bank of America, they communicated to me that there was a few pages full of transactions from this account. My reference number that was given to me from Bank of America is # XXXX. The phone number to the Fraud department for Bank of America is XXXX. They told me that they will send me more documentation in 2 to 3 business days to review the transactions that was made. After I froze the three credit reports from XXXX, XXXX and XXXX. I was still able to file a police report for this incident and I received a incident number which is # XXXX.
Consumer complaint received 2020-07-31
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. (OH)

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX  NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Consumer complaint received 2021-07-07
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. (GA)

Sent cerified mail and made several phone calls with Transunion about reporting inaquate information on my credit report leaving me with problems on my credit report.
Consumer complaint received 2022-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (PA)

My daughter was seen at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was diagnosed with XXXX XXXX at that visit and I was able to apply for XXXX for her. At the time the bill from XXXX became due in XXXX, she was not in the system with the state of PA yet so XXXX placed her account on a XXXX hold. Before the 30 days were up, in XXXX of XXXX, I got confirmation that she was all set for XXXX and they would cover her XX/XX/XXXX visit. I called XXXX and provided the information to bill. Someone there did not bill the state and instead the bill when to collections. I did not know until I got a notice from Harris & Harris collections in XXXX. I called XXXX back and advised them that I got a collection notice and asked what happened to billing the state of PA. I was advised that the ball was dropped. They pulled the debt back from collections and billed the state of PA. However, Harris & Harris continued to contact me every day by phone. In XXXX I contacted XXXX and advised them that collections was still hounding me. They advised I had no debt and the calls should stop. They didn't. I called XXXX back in XXXX and they reached out to Harris & Harris to advise that there was no debt and cease contacting me. They were contacted by email and phone by managers at XXXX. They still continued to call me. I contacted XXXX  again in XXXX to advise them that Harris & Harris is still contacting me for a debt I did not owe. They advised that the issue has been escalated and they would handle with Harris & Harris. It is now XX/XX/XXXX and I got yet another phone call from Harris & Harris for a debt I do not owe.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (PA)

A mortgage commitment letter was issued by better.com on XX/XX/2021. Better.com then rescinded that commitment and I was forced to find another lender. This delayed closing on the subject property by one month causing me {$2500.00} in damages. 

Better.com had no reasonable basis for rescinding a legally binding agreement issued by them. They claim they made a mistake. Fair enough ... however, when your mistake causes someone else harm, you should reimburse them for that harm caused.

Better.com has refused to provide reimbursement for the damage they caused.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth have violated my HIPPA rights!!!!

Commonwealth sent information about my medical records without sending me a copy of a HIPPA release form. Commonwealth have violated the HIPPA laws and they have one or two options : 1. Pay me a fine of {$50000.00} for violating my rights or 2. Remove this from my credit file ***If this is not removed from my credit report within the next 30 days my lawyer will be in touch for the lawsuit of HIPPA Violation and we will be suing for {$50000.00}
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (CA)

Re : BMW Financial Services XXXX XXXX XXXX # XXXX On XXXX XX/XX/XXXX, I prepaid excess miles on lease expiring in XXXX in the amount of {$5500.00}. On XXXX XX/XX/XXXX, I entered a new lease on a new XXXX, but XXXX problems arose. First, the local dealership did not credit my closing lease account the final months payment or {$1300.00} including taxes. Also, I was overcharged {$400.00} on damages I did not acknowledge although I did sign off on {$2100.00} in repairs when I returned the car. When I contacted BMW Financial they said to contact the local dealership. The dealership said to contact BMW Financial. Round & round this went for some time until I called the Presidents corporate office & I started to get help with a resolution. However, I overpaid by {$270.00} & BMW Financial is refusing to reimburse me although the manager XXXX on XX/XX/XXXX agreed to do so after a 30 minute argument on the phone as he kept playing a shell game. I demanded a full credit of {$270.00} & he only would accept a {$73.00} credit. Despite this no refund whatsoever! Today, I tried again online & got the run around again. Out of frustration I am filing this complaint. Im a great long term BMW customer. If they are treating me like this I have to imagine their unethical practices are widespread.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (IN)

On XX/XX/2022 I was contacted by XXXX offering a job for XXXX XXXX with data collection. On XX/XX/2022 I received an atm check for purchasing supplies and sending money to suppliers, then on XXXX XXXX I deposited the check and the funds were available in my Navy Federal accounting XXXX XXXX. I was then asked to send 3 XXXX transactions of {$200.00}, {$450.00}, and {$550.00}. I am now aware that i might have been used in a fraud scam and the check deposited into my account might not even be real and the funds not actually in my account. Navy federal is a good bank but approved my check and now froze all of my assets due to a potential scam. I do see how I might have been gullible for accepting this job and not looking more into it but I firgued it is 2022 and remote work is so common and a check was sent to me.
Consumer complaint received 2021-12-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

Yes I am owed XXXX since XX/XX/2021 I tried to get the bank to transfer the overpayment to my interest checking they refused to refund my overpayment and talk to me on the phone
Consumer complaint received 2018-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: 3rd Generation, Inc. (CA)

First and foremost, I must be honest and say I am 26 days past due on my loan. XXXX XXXX XXXX   has made reasonable attempts to help me stay current. My problem is with their collection practices. No, I do not answer every call they make to me. However, I do stay in contact with them at least every two weeks. My problem is with their continued third party disclosure to references I gave to them. Calling XXXX XXXX one week after speaking with me and verifying good contact information with me is excessive when you are telling her I am past due with my loan. She is only a reference not a signer. Telling XXXX XXXX you are calling about my past due auto loan and you can't get in contact with me is not only a lie but, once again she is not a signer on my loan. Only a message can be left. Not that I'm past due.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Theres a hard inquiry on my transunion report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report.
Consumer complaint received 2018-07-31
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: Bread Financial Holdings, Inc. (IN)

I applied for a charge card with XXXX 's. I received a letter in the mail indicating that my credit rating level was insufficient to receive a lower interest rating, therefore, my application for a credit card was rejected. It originally showed a high credit rating, then went down to XXXX. The reasons for the rejection were : Available credit on open revolving accounts were too low ; Newest delinquency/derogatory status on accounts is too recent ; No usable real estate accounts ; number of inquires was also a factor, but effect was not significant ; and ratio of accounts consistently paid on time to all accounts is too low. 

I owe NO one, own my home, have only 1 credit card that I haven't used for months, and if I did, I paid off immediately. I did receive a notice on my one charge card that I was delinquent in paying the balance. I did notified that company that I did not charge anything on that card from the source they should, they removed it from that charge card and reimbursed me and said it was an error. So, you can see, I have never ever had any problems with credit rating and I want this changed. I also will not pursue any account at Meijer 's for this error.
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I have an existing lease with my car which will expire in XX/XX/XXXX. My lease is held by Chase Bank. I have a perfect payment record since XX/XX/XXXX which is when I signed the lease. However, my credit report regarding my lease is negative since I filed for bankruptcy in XX/XX/XXXX which was closed in XX/XX/XXXX. I did not include my lease in that bankruptcy and I held on to my car with continuing to make prompt payments. I have never been late and my account shows that I pay at least 10 days early each month. I submitted all paper work to Chase and my attorneys have contacted them as well and I have spoken with them numerous times. They refuse to report my excellent status and continue to report that my account is closed due to bankruptcy and in derogatory status. 
They insist that since I have a bankruptcy on my record that they have the right to report it on my credit report with them. This is affecting my ability to lease another car because of the inaccurate reporting by Chase Bank. I have had two accounts with Chase in my life time for cars and each one was in excellent standing. My bankruptcy in no way affected my lease and yet they are affecting my credit and credit score negatively. Please help me to have this corrected.
Consumer complaint received 2018-04-09
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)

The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to me.
Consumer complaint received 2018-04-09
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. (FL)

My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. Equifax online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of XXXX XXXX. 

I have called XXXX XXXX - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, Equifax is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

Equifax sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.