davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my Transunion reports which I believe has been taken care of due to the written appeals I sent. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. I did not authorized, consent or have knowledge to how or when they were opened. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX XXXX XXXX, CA XXXX address is not mine. I never lived here. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX-I don't own any of this accounts. Please see to it that they are removed.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Recently ( XX/XX/XXXX ) I received a standard letter from HSBC regarding my credit card account - telling me that after careful consideration they were lowering my limit based on several factors listed. 

Amounts on revolving credit too high. 
Proportion of balances to credit limits too high. 
Length of time installment loans have been established. 

I do use my credit cards, I support the spending economy. I believe All of my cards are over XXXX XXXX XXXX some close to XXXX XXXX XXXX. I HAVE NEVER had one single late payment, most of the time they are paid well in advance of the due dates, always more than the amount due. 

I realize that they have the right to do these reviews, my problem is that they are based on flawed algorithms, mostly with little to NO human review. When they arbitrarily reduce the limit, it artificially increases the debt to credit ratio on that account, essentially causing an even more severe impact to lowering my credit score.This then causes an avalanche of other credit companies doing the same thing. It causes the users score to drop dramatically, costing more to obtain credit ( higher interest rates ), or leads to a complete denial of credit. 

As you are aware this can take years to reverse and can really have a very desperate impact, particularly on vulnerable populations. It can cause years of unfair impact to any borrowers and sometimes eventual financial collapse. This practice is wrong and should be halted immediately. 

It took me almost XXXX hours to speak to a customer service rep, was transferred XXXX  times and eventually disconnected. Their customer support app was as bad if not worse. The agents solution was for me to apply for a credit increase, this seemed like an attempt to make another hard inquiry on my report as well as possibly raise the interest rate on the card. 

Collectively these practices seem very much like prohibited XXXX banking practices as defined by the XXXX XXXX XXXX XXXX  XXXX  Consumer Protection Act of XXXX. This is the XXXX occasion for this to happen with my HSBC account. I have asked them to freeze the account, I will pay the balance and will no longer be one of their customers. BUT that will not stop the impact this will have on my credit report.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Fraud reporting on my personal credit profile from Identity Theft My personal information was used to open accounts on my credit profile.

these accounts have had a very negative action on my credit profile as well and i have disputed with the reporting credit bureaus with no change to my profile because there is never an investigation into my claims even when i presented inaccurate and unverified information to the bureaus. this is my third attempt to have them remove the invalid accounts from my personal credit profile and if they fail i will seek legal actions against the XXXX reporting bureaus. TransUnion, XXXX, XXXX for reporting false information on my credit profile. A report was also filed with the FTC and Local Police
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Hello, I was pre qualified to purchase equipment from a XXXX XXXX XXXX. I had a finance XXXX named XXXX XXXX. 
I was told I was getting a 6 % rate when really it was a rate factor and was never a percentage rate. 
My finance rep was apart of XXXX XXXX and solicited another lenders contact. ( CIT Bank ) was the 3rd party lender. I feel violated that I was solicited and lied to about the terms. 
I was told false info thru via email ( documented lies ) and now Im struggling to make the payments. This definitely isnt standard loan practice and I would like to return the equipment and get out of the loan asap. 
Thanks
Consumer complaint received 2022-02-17
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. (TX)

I have notified XXXX in writing that I DO NOT CONSENT TO E-OSCAR or any automated investigations. I making that clear to you CFPB and XXXX. If I need to report this matter to the FTC I will with no hesitations. Yes, I XXXX XXXX XXXX XXXX XXXX am filing this complaint for myself. I know that you all try to stall process thinking a consumer has another company submitting for them, but I have enough sense to file a complaint for myself. 
In XX/XX/2022 I filed a dispute with XXXX regarding late payments being inaccurate on my credit report with XXXX XXXX. I have continuously tried to correct this issue with XXXX and have not been successful. Today XX/XX/2022 I have submitted a dispute online and have uploaded my documents for proof of my payment history that I have received from a member of management from XXXX XXXX in person. When calling in to XXXX today XX/XX/2022 I spoke with a U.S. supervisor regarding XXXX XXXX account as well and she said that she didn't see any lates, well if she doesn't see any lates then why are they reporting them on my credit report.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

After extended unemployment, we experienced a XXXX foreclosure on our home. It went to auction and sold for enough to pay off all loans and liens. Chase Bank, who had our 2nd loan for {$69000.00}, then charged off their loan in XXXX despite it having been paid off and closed previously in XXXX. Chase called near the end of XXXX to collect on a figure that wasn't even part of any paperwork I had seen ( saying we still owed {$0.00} on the loan ). I thought I had rectified the issue, but I come to find out that they charged off the loan in XXXX when in appeared on my credit report. I called to correct the issue and on 3 different occasions was told different amounts that were owed ( ranging from {$750.00} to the original amount to being told it was verified as paid off ) As of XX/XX/XXXX I have passed along all of the documentation from the county including the check that was sent to Chase and their legal team but can not get a timely resolution to the issue and I need to purchase a new vehicle. I am currently considered an unreliable loan applicant due to this " charge off '' strike on my credit report. I just need to get this issue resolved once and for all.
Consumer complaint received 2020-01-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Loantopia (CA)

They have repeatedly violated ACH revocation. The first violation was in XX/XX/2019 and the company purposely ignored the revocation and went into my account without permission. The next violation they sent court documents to my house that they had no intention of filing and threatened me via email on several occasions. XXXX XXXX their collections manager sent many nasty emails, texts and calls. The amount the claim was owed is erroneous, they have not applied payments made. They threatened to contact my employer. They threatened to contact the creditors. I tried to make a payment online but there was no way to change my ach account information or view it. Instead of an " authorize payment button '' they have a button that says " continue '' but it doesn't go anywhere it just process payment without permission. I have many text message threats from the company. I have repeated emails threatening legal action. The violated the ACH written revocation again in XXXX and refused to return the money. Said they can go into my account and violate whenever they want. My bank had to step in for their fraud. They did this again in XX/XX/2019. They repeatedly threaten me, harass me, go into my account when they want and their ach system is in violation of the rules required. 

I have attached just a sample of their threats and violations.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/XXXX I called Chase XXXX to dispute a charge on my account from XXXX XXXX  for {$86.00} that appeared on XX/XX/XXXX. This charge was made electronically, one day prior to my actual stay at XXXX, where they charged me approximately {$100.00}, on XX/XX/XXXX. I originally disputed the XX/XX/XXXX charge as a duplicate payment. Chase reversed the charge and agreed to investigate with the merchant. 

On XX/XX/XXXX, without any notification from XXXX hotels or Chase, the charge was reapplied as a 'rebill '. I called Chase on XX/XX/XXXX, to inquire, and was told that the merchant had submitted 'documentation ' to say the charge was 'valid '. They would not disclose what this documentation was nor provide me with a copy. They simply informed me that the charge made on XX/XX/XXXX for {$86.00}, was a 'reservation ' charge that was 'non-refundable '. As I had never logged onto an XXXX website to submit my credit card information, and paid in full for my room in person, this explanation makes no sense. I made my reservation with a website called XXXX, and at no time was I informed that my payment was a reservation charge or that it was non-refundable. At no time did XXXX appear as the merchant submitting the charge or as the merchant explaining the charge in response to my dispute. At no time did XXXX disclose to me that 'reservations ' are non-refundable. At no time did I log onto an XXXX website, and therefore at no time did an XXXX website inform me that reservations are non-refundable. As such, I'm being charged {$86.00} by XXXX, to which I never submitted credit card information, to pay for a room I never stayed in. I think this is a simple case of XXXX taking funds for services they never provided, and Chase refusing to do an adequate investigation of the situation, and refusing to uphold the legal requirements to protect their customer.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NV)

Credit report pulled on XX/XX/XXXX, is reflecting incorrect information regarding payment history for an auto loan that I share joint responsibility. 


Flagship Credit Acceptance - Date opened XX/XX/XXXX. Reported date opened under XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please delete this entire account for inaccurate reporting. 

Under the payment history, you have blank boxes, which I understand to mean no data has been reported for the time period. Please delete this entire account for inaccurate reporting. 

Payment Status reads current for all RA ( reporting agencies ), but it doesn't reflect one payment being made in XXXX. Please delete this entire account for inaccurate information being reported. Last payment made XXXX of XXXX. Payment history ends XX/XX/XXXX. Please delete this account for inaccurate and false reporting. 

Under the two-year payment history, you claim I was late XXXX days late from XX/XX/XXXX until XX/XX/XXXX and after that all payments go back to normal for the month of XX/XX/XXXX. Please delete this entire account due to inaccurate and false reporting. Why don't you have data for the months neglected? Please delete entire account. 

Then starting back in XX/XX/XXXX, I have accuracy from XXXX showing on time but show 30 days late with XXXX and XXXX? This is inaccurate reporting and it's damaging my reputation with another creditor. Please delete this entire account for inaccurate reporting. 

Next, I would like to have my previous addresses deleted. I have requested this action to take place several times now and all of the addresses are still listed under all of the RA ( reporting agencies ) data bases. I would like to only have my current address as I'm dealing with identity theft. Please delete all previous addresses as it is illegal to have mail going to multiple addresses. This information keeps resurfacing please delete.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fundo LLC (MO)

I had an arrangement with fundo, LLC. On the second payment they also attempted to take extra " fees '' from my checking account. At this point I revoked ACH authorization and requested a written statement so that I may pay the outstanding balance and was informed that goes against their companies practices. I then informed them I would not be paying without receiving the statement and I would only be paying by money order or certified check and they again refused and sent it over to a law firm to collect.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I tried to access my account so I could pay off my credit card balance. 

I was not allowed to login to the account. 

The website allows " guest login '' for the exclusive purpose of JUST PAYING the account balance. It won't allow me to do that so I am effectively blocked from paying my account which I am eager to pay so that my credit history will not be damaged. 

If Syncrony Bank does not want me as a customer that is perfectly fine, but at least they should let me pay my outstanding balance.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I closed my BestBuy credit card ( CBNA ) due to the annual fee. CBNA did not properly close my acct which led to an annual fee in XX/XX/XXXX and subsequently led to my acct falling past due. When I called in they quickly remedied the charges and stated that the delinquency would be removed. However in XX/XX/XXXX of this year I called in because the delinquency remained on my report. The person I spoke with informed me that it would be taken care of no other information or efforts would be needed. I then received a letter asking me to provide my ssn and permission to alter my credit report from CBNA uncomfortable with this I called in and was told that my delinquency would remain despite their admission of failing to close my acct when requested. I spoke to them one last time to resolve the issue but was turned away and given no other option than to file an official complaint.
Consumer complaint received 2018-05-01
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)

I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, XXXX, and Transunion on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.
Consumer complaint received 2017-09-21
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. (GA)

I am filing this complaint, against EXPERIAN ( Credit Reporting Agency ), also known as XXXX, after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. 

The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Experian. : XX/XX/XXXX : Dispute Letter to Experian, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

XX/XX/XXXX : Response from Experian. Experian responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. 

I wrote to the reporting CA requesting validation and received no valid response XX/XX/XXXX : Letter to Experian, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XX/XX/XXXX : Response from Experian, notifying me of VERIFICATION of this account. 

They made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. 

In a phone call with Experian about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. 

This unknown medical account appears ONLY on my Experian report.
Consumer complaint received 2024-04-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (VA)

The company Aargon Collection Agency was calling me many times to pay a medical debt, I was paying month by month and almost to finish the debt we made a payment agreement which was made in the month of XXXX, however the Aargon agency has continued withdrawing money of my card without authorization for a debt that I supposedly do not have.
Consumer complaint received 2020-07-27
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. (NY)

I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE FIRM, INC., THE (FL)

To Whom It May Concern : My mortgage was recently sold to a new servicing company. Following are the new company contact info : The Mortgage Firm. 
XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX. 
Tel. XXXX. FAX # XXXX. 
While the mortgage was still under the previous servicing company, I made my payment there on time. Monthly payment {$2100.00}, Since the transfer of my mortgage, the new servicing company is stating that they dont have record of my payment to the previous loan holder and they are charging me interests and threatening to take my account to collection. I even provided them my bank statements as evidence of my payment. I need your assistance to resolve this issue. 
Sincerely,
Consumer complaint received 2018-05-01
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)

I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX  XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.