davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (MD)

The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - TransUnion ( 16 ) XXXX ( 14 ) XXXX ( 12 ) Open Accounts Reported - TransUnion ( 14 ) XXXX  ( 2 ) XXXX ( 4 ) Closed Accounts Reported - TransUnion ( 2 ) XXXX ( 12 ) XXXX ( 8 ) Delinquent Accounts Reported - TransUnion ( 1 ) XXXX  ( 1 ) XXXX ( 1 ) Derogatory Accounts Reported - TransUnion ( 12 ) XXXX ( 11 ) XXXX ( 8 ) Collections Accounts Reported - TransUnion ( 11 ) XXXX ( 10 ) XXXX ( 6 ) Balances Reported - TransUnion ( {$27000.00} ) XXXX ( {$26000.00} ) XXXX ( {$22000.00} ) Payments Reported - TransUnion ( {$38.00} ) XXXX ( {$13.00} ) XXXX ( {$38.00} ) Inquiries Reported - TransUnion ( 4 ) XXXX  ( 3 ) XXXX ( 7 )
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (CA)

XX/XX/22 XXXX fees XXXX invading privacy talking to neighbors regarding debt, sharing account information with other without my consent, causing harm and separation in domestic family affairs, alleged debt without proper validation and identifications. unclear practice misleading coerce for payment.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: AMERICAN EXPRESS COMPANY (MD)

XXXX XXXX XXXX XXXX failed to credit my account in the amount of {$2900.00} on X/XX/2017 as promised and documented on the date transactions was stopped. It has been several days now and still the amount is not within my account.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (NC)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX XXXX XXXX - XXXX.
Consumer complaint received 2020-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Can not make statements of wrongful reports by XXXX to transunion about severe delinquency due to COVID 19 DISASTER LOSS. XXXX is in default. I am currently and have been in the past on COVID Relief not delinquent.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

I originally applied for a new Chase Credit Card online. Upon logging into my existing Chase account, I saw the same credit card with a higher promotion offer of {$200.00} back after spending {$500.00}, instead of the {$150.00} I saw on my application. I called and spoke to a customer service rep who assured I could have this changed and to call back once I spent {$500.00} on my card, they made a note on my account to have my reward increased to {$200.00} back. I asked if it was better to change my application so I could ensure I would get this reward, but they said I would be fine. After spending the money a Chase rep told me they were unable to honor this offer. I escalated to a supervisor ( the supervisor confirmed that there was a note on my account for the reward to be {$200.00} ) and also made a complaint on their website, however they refuse to honor the offer that was given to me.
Consumer complaint received 2023-08-23
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. (SC)

I DO NOT HAVE TO BE SPECIFIC AT ALL WHEN YOU HAVE DOCUMENTATION THAT I SENT CERTIFIED MAIL. YOU WILL BE SUED. REMOVE ALL NEGATIVE INFORMATION SUCH AS FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX AND ALL INQUIRIES ( ALL INQUIRIES ) OFF OF MY REPORT! EQUIFAX YOU ARE STILL IN VIOLATION OF BREAKING THE LAW. 

EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

I NOW WILL BE GETTING THE ATTORNEY 'S GENERAL, XXXX XXXX XXXX, LOCAL AND NATIONAL TELEVISION STATIONS INVOLVED!
Consumer complaint received 2023-08-23
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: CITIBANK, N.A. (LA)

In regarding the identity theft from XXXX XXXX and her partner as named by the XXXX Police Department, I have additional information to add. 

Please remove the following hard inquiries : CBNA - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and CBNA - XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

Contacted merchant in XXXX and XXXX of 2024 I am not able to send or receive money via the third party vendor, XXXX, that the bank uses for sending and receiving funds. I have made several calls regarding this issue but no representative has been able to determine the issue.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

Back in XXXX of 2017 I was in an auto accident and went to The ER and recieved a bill for XXXX Dollars. This was paid back in XXXX, to this date Online service in XXXX says they have removed this from my reports nor has the balance showed XXXX when it has been paid. I feel this should be removed as it was not my fault and was delayed by the insurance company being paid. No one seems to help me. I have talked to several people today I have talked to a lady by the name of XXXX. She said it was paid and she sees where it has been removed but it is still on there. XXXX filed a dispute on my behalf and Online services reported that it was legit and should stay on my report. Online services XXXX XXXX XXXX XXXX NC XXXX. Telephone # XXXX
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX XXXX HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Consumer complaint received 2019-09-16
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. (CA)

XXXX XXXX XXXX XXXX  HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX responded to my CFPB consumer complaint XXXX informing me the XXXX XXXX XXXX is removing the XXXX XXXX XXXX mortgage account from all three major credit reporting agencies and went into detail responding to CFPB. XXXX joined shady XXXX mortgage, another shady operation thats had so many legal troubles. XXXX transferred my so-called loan to XXXX. Every since the transfer I have not been receiving any notification from XXXX about my loan and I am unable to speak to a live XXXX representative because every time I call the automated system says XXXX is unable to transfer my call to speak to a live representative regarding my loan and to try back later. I have been unable to speak to a live representative and I am unable to access mortgage statements on XXXX mortgage site. I do not know what payments are due. I believe shady XXXX and phony XXXX are once again attempting to intentionally rip off my home because thats what they do. XXXX is illegally charging me false fees and reporting false information to all three credit reporting agencies. I demand to know what payments are due so I can bring the loan current. I demand shady XXXX to remove the mortgage account from all 3 major credit reports immediately.
Consumer complaint received 2019-09-13
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: Experian Information Solutions Inc. (PA)

I have called the company multiple times to resolve this but unable to do so. I need the company to provide me with the date I placed a security fraud alert in order to proceed with dealing with my bank. However, Experian has no customer service representative reachable to receiver an answer
Consumer complaint received 2023-07-12
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. (NC)

XXXXXXXX XXXX  account number ending in XXXX with a balance of XXXX dollars has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-07-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XX/XX/XXXX I was late on one payment. Called my loan care to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Consumer complaint received 2019-09-16
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 (NY)

I received an alert from my credit monitoring that my Discover card limit decreased from {$4700.00} to {$500.00}. I called concerned and was told that due to taking a loan out in XXXX and having a high limit on another credit card that is why they decreased my limit. I questioned how they raised my limit in XXXX {$800.00} and but 9 months later decreased it and again they gave me the same reasoning. The loan they referenced as wanting to see a good payment history was taken out in XX/XX/2018 2 months before they increased my credit limit, of which I have made all my payments on with no issues. Then they quote another credit card that has a high usage of which had a similar balance back in XXXX when they increased my credit limit. When I asked if it was because I haven't used the card is when they started getting confrontational and refusing to giving information on how they determined my increase 8 months ago but 8 months later determined that it wasn't good enough and decreased it by 90 %. They simply saw I was using another credit card and not theirs and reduced the limit thus forcing me to close the card further hurting my credit score. If this has happened to me Im sure it has happened to 10s of thousands of people. Simply because I made a sound financial decision to keep that card as an emergency card they decided to cut the limit. My credit score is the highest its ever been, 3 other credit card companies in the last 60 days increased my credit limit by more than 30 % while they decreased it by 90 %. As Americans try to dig themselves out of debt and build good credit, we have companies like Discover pushing them further down simply because I decided not to use the card.
Consumer complaint received 2023-03-30
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. (NC)

There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted XXXX transunion and XXXX to dispute these items and give them my updated address and they hang up on me
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC (GA)

submitted a final complaint to XXXX XXXX XXXX after filing six complaints regarding identity theft issues. The most recent complaint was lodged within the last 30 days, and on XX/XX/2023, they responded by rejecting my claim. Throughout this process, the bank has made several errors and has been unwilling to provide me with an itemized statement that would allow me to identify potentially fraudulent charges. Instead, they only submitted a proof of lending document and statement grand totals without any itemization. Moreover, I am unable to access my account as I am no longer a customer. Adding to the ordeal, the bank lost my last fee payments and then advised me to close the account during the COVID-19 pandemic. I had to file a claim for the lost payment, which the bank eventually found, but by then, my credit had already been severely damaged. I feel like I am being bullied by this trillion-dollar bank, and their actions are causing significant pain in my personal life and impacting my credit with no resolution in sight. To make matters worse, XXXX XXXX XXXX sent Cooling & Winter to my brother 's home, and they intimidated him. As a result, my brother filed a police report of harassment against Cooling & Winter and XXXX XXXX XXXXXXXX. I urgently seek assistance in resolving this situation, as it is causing distress in my personal life and damaging my credit. Your intervention and guidance in dealing with this billion-dollar bank would be greatly appreciated. 

This is my 2nd complaint with CFPB and I am asking to dismissal due to this company not providing me with my account ( s ) statements to look over the fraud activities on the accounts.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NC)

XX/XX/XXXX PNC mortgage called XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX, saying he miss the XX/XX/XXXX payment and XXXX XXXX had his receipt in his hand he told them the payment was made ... XXXX XXXX Rebbecca XXXX XXXX PNC mortgage XXXXXXXX said Mr XXXX has not made a payment for XX/XX/XXXX... And his daughter handles Mr XXXX XXXX said in XXXX of XXXX she made 2 payments and made 2 payment in the month of XX/XX/XXXX and Mr XXXX XXXX XXXX has his reciept .... So then we ask XXXX XXXX XXXX of PNC Why are they bothing an XXXX XXXX XXXX man about his payment and he has his reciepts stating each month they said he didn '' t pay ..Now we have papers or letters stating forecloser please help Mr XXXX XXXX solve this matter so the bank can '' t take his house My number is XXXX XXXX my name is XXXX XXXX XXXX XXXX daughter My email is XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp. (TX)

Absolute Resolutions has been reporting information to XXXX, XXXX and XXXX that is inaccurate and fraudulent under 18 U.S Code 1028 ( d ) ( 12 ). They have consistently tried to sue for monies not owed to them. They have NOT provided proof of any kind, with a LAWFUL two-party contract binding both parties signed in wet ink by both parties, bearing my signature, to prove I in fact owe this debt. Therefore they are committing fraud to collect on a debt not owed. They have failed to comply with FDCPA, 15 USC 1692g Sec. 809 ( b ) which states I have the right to dispute the debt and request validation of the information they claim to have on file. I have been sent NO proof. They have currently violated 8 of my rights as a consumer and continue to not comply with the Fair Credit Reporting Act, the Fair Debt Collection Practice Act and The Uniform Commercial Code. I am taking the next step to seek remedy for damages per violation at a minimum of {$1000.00} each. It has been over 90 days and I am requesting to have this account deleted immediately and cease further attempts to collect on the said debt before further action is taken.
Consumer complaint received 2023-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AZ)

Letter from Phoenix Financial Services stating a medical debt from an ambulance company ( XXXX ) with a date of service of XX/XX/19. I have never needed or used an ambulance and this is the second time this company has claimed this. According to the letter, I originally owed {$1100.00} and was credited {$1000.00} with a owed debt now of {$110.00}. The letter mentions being sued for the debt.
Consumer complaint received 2023-08-23
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: Westcreek Financial (MI)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.