davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A COUPLE YEARS BACK I SENT A LETTER TO THE CEO OF TRANSUNION CREDIT BUREAU. SINCE THAT TIME THIS AGENCY HAS FAILED TO LET ME KNOW OF BREACHES TO MY ACCOUNTS AND HAS INCORRECT PAYMENT INFORMATION ON PAYMENTS MADE TO MY ACCOUNTS. THIS SEEMS TO ME TO BE A PERSONAL VENDETTA AGAINST ME AND MY CREDIT. THEY HAVE FAILED TO ALLOW ME TO BUILD MY CREDIT BECAUSE THEY HAVE INCORRECT INFORMATION AND APPARENTLY THERE HAVE BEEN BREACHES TO MY ACCOUNT THAT NO ONE TOLD ME ABOUT. IF THIS CREDIT BUREAU IS SUPPOSED TO DETERMINE PEOPLES CREDIT RATINGS AND THEY XXXX UP INFORMATION AND DO NOT RECOGNIZE BREACHES TO PEOPLES ACCOUNTS THEN WHAT THE XXXX ARE THEY GOOD FOR? 

I HAVE LOOKED FOR THAT LETTER TO THE CEO AND EVEN THOUGH I HAVE EVERY LETTER BACK TO XX/XX/XXXX, I CAN NOT FIND THE LETTER I SENT TO THE CEO OF TRANSUNION. 

WHEN YOU CALL THESE PEOPLE THEY ARE ABSOLUTELY CLUELESS AND THIS HAS BEEN GOING ON SINCE THE DATE OF THE LETTER WHICH WAS BACK IN XX/XX/XXXX. THERE ARE ACCOUNTS SUCH AS MY XXXX XXXX ACCOUNT, XXXX XXXX ACCOUNT, MY PERSONAL ACCOUNT WITH XXXX XXXX XXXX WHICH IS MY BANK AND MORE AND ALL OF THE PAYMENTS ARE LESS THAN WHAT IS ALLOWED AS EVEN A MINIMUM PAYMENT AND I DO NOT WANT TO CONTACT THEM BECAUSE THEY ARE INCOMPETENT AND JUST RECENTLY MY SCORE DROPPED CONSIDERABLE WITH NO EXPLANATION WHAT SO EVER AND THAT IS OUTRAGEOUS. I WANT THIS COMPANY INVESTIGATED BECAUSE I AM SURE I AM NOT THE ONLY ONE THAT IS BEING EFFECTED. 

WHOEVER IS RUNNING TRANSUNION THEY ARE INCOMPETENT AND THEN THROUGH XXXX XXXX I FOUND OUT THERE WAS A BREACH FROM COMPANIES I HAVE NEVER DONE BUSINESS WITH AND ALSO CREDIT CHECKS FROM COMPANIES THAT I HAVE NO IDEA WHO THEY ARE. 

IF MY IDENTITY HAS BEEN HACKED, THEN TRANSUNION HAS DONE NOTHING OR NEITHER HAVE THE OTHER COMPANIES THAT CONTROL CREDIT FRAUD. TRANSUNION IS CONTROLLING WHAT THE OTHER AGENCIES IN MY CASE ARE OFFERING ME AS A SCORE. I AM SICK AND TIRED OF THIS ABUSE AND I THINK WITH THE ADMINISTRATION WE HAVE THAT THIS CREDIT BUREAU SPECIFICALLY IS NOT DOING THEIR JOBS AND NOT TELLING PEOPLE WHY THEIR SCORES DROP AND HAVE MANY MANY INCORRECT PAYMENTS AND I WANT THIS CHECKED INTO AND THE CEO RUNNING IT SHOULD ALSO BE INVESTIGATED AS SINCE MY LETTER TO HIM, I HAVE HAD NOTHING BUT TROUBLE. 

I WANT TO KNOW IF MY ACCOUNT HAS BEEN HACKED AND THESE IDIOTS HAVE NO IDEA. AND THEY DO NOT CARE. I THINK REGULATIONS SHOULD BE PUT ON THEM AS THEY ARE EFFECTING PEOPLE WITH NO EXPLANATIONS AND MOST OF THE TIME DO NOT EVEN ANSWER THE PHONE OR HAVE A PHONE NUMBER PUBLISHED. WHAT ARE THEY HIDING? 

PLEASE INFORM THEM THAT I WANT EXPLANATIONS WHEN THEY XXXX WITH MY CREDIT SCORE WITH NO EVIDENCE AT ALL.
Consumer complaint received 2022-08-15
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXXXXXX XXXX  XXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX CREDIT OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX CO. 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-11
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: M&T BANK CORPORATION (MD)

My husband got gas on XX/XX/XXXX at a local XXXX gas station. The charge was for {$29.00}. A several days later we noticed our bank account was much lower than it should be. Upon investigation our charge for gas showed up on XX/XX/XXXX, but then XXXX other charges showed up at the same gas station for : - {$85.00} on XX/XX/XXXX - {$43.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX - {$79.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX This totaled {$370.00}! I am assuming that someone skimmed the card. I don't understand how or why they charged it at the same gas station -- unless there was an error at the gas station. 

My husband immediately called M & T Bank and reported the unauthorized charges. They gave us the money back temporarily and cancelled the bank card and issued my husband a new card. After a couple weeks, the money disappeared from our account and we got a letter saying that M & T Bank denied our claim because our PIN number was used. 

We did NOT give our PIN number out our make these charges! I read that people use a camera to catch your PIN. I find it hard to believe the bank does not know this. Also, I am still concerned -- what if the gas station had a glitch? 

My husband called and was told that we would be sent a form to appeal the decision. My husband also went to the bank personally and they put notes in our account. But, we never received the letter to appeal. 

My husband then called the bank today, XXXX, and was told that the fraud department closed the claim and will not reopen it! I was pretty angry and called. They told me the claim was reopened on XX/XX/XXXX and they are still investigating it. 

We are hearing constantly different things and are getting the run around. I have no proof they are investigating this fraud and it appears that they will not protect us. I am very upset. I called XXXX and the police and both told me that the bank is who we were supposed to call, which we did do.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

I was buying flight tickets through an online travel agency in mid XX/XX/2022 with my Chase credit card. The travel agency is XXXX, and the tickets were for 3 people going from XXXX to XXXX. On my first attempt to purchase the tickets, the website told me that the payment failed. I then try again, because I knew my card was in good order. The pop up again notified me that the transaction failed. 
I later notice emails, and I believe app notifications or texts from Chase. They were suspicious activity warnings. They explained that the transactions were stopped, asked me to approve them, and says that this transaction was declined, so I would have to go back to the vendor and try again. 
I went back to the travel agency and tried to process the payment. It works. 
At XXXX XXXX the next morning. I got three order confirmations for the tickets. All three attempts went through, even though Chase said they were declined.. Note, it is not even possible for the tickets to be used. 
I go to my chase app to check if I was charged three times, and I saw three pending charges. The app said I can not dispute charges until they posted, so I waited to see if all three posted. 
Upon receiving my statement, I see three charges. I contact Chase, and they say they found the transactions to be legitimate. However, only one of the charges should of went through. Chase has refused to solve this issue, and the travel agency has went quiet.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

Someone else signed for the equipment in my name and they left the equipment any way. 
I wasn't even in the area or in town when the alledge equipment was left. 
I was out of town during that time. This equipment was signed by whomever and left illegally. I do not have this equipment nor should I have this bill on my credit. 

Please remove this off of my credit it is not my bill. Please compare the signitures and you will notice the difference in the handwritings.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /   2017  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) a nd the clients right to counsel.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (NY)

I went to a car dealership name XXXX XXXX XXXX XXXX XXXX XXXX they agreed to rum my credit XXXXne time when i left the dealership i found out the was running my credit behind my back alot of times.
Consumer complaint received 2017-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX, I contacted IC Systems regarding a credit report entry they had placed. During the conversation with representative XXXX, I verified my identity and requested transaction documents and contracts. XXXX mentioned that these had been sent in XXXX, but I explained that I never received them due to errors in my last name. Stressing the importance of accurate information, I pointed out XXXX 's failure to inform me of my right to dispute the account, which is a violation of the FDCPA. Additionally, she refused my request for payment history information, suggesting I consult my bank statements. I expressed concern that if my name and number were inaccurate, other details might be as well. XXXX responded, " This account has already been substantiated. " She directed me to go online and make a payment. She continually stated, What amount are you willing to settle for today? I will be happy to get that approved!
Consumer complaint received 2022-07-10
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)

I went to a car dealership name XXXXXXXX XXXX XXXX XXXX XXXX XXXX  they agreed to rum my credit one time when i left the dealership i found out the was running my credit behind my back alot of times.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
Consumer complaint received 2018-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Company-CapitalOne falsely reporting that I owe {$300.00} from XX/XX/2017. 
They have ruined my credit and score since then and I would like for CFPB to do a thorough investigation to make sure they are under investigation for sending false information. Thank you
Consumer complaint received 2018-10-21
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. (GA)

XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...
Consumer complaint received 2017-06-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NY)

Contacted me regarding a debt was  XXXX   XXXX   XXXX . When I advised that it was under dispute with the NYS Attorney General a nd Consumer Protection, they  advised me that it was not their problem and to pay up. They have since called multiple times per day and will not honor requests for a cease and desist.  <P/> They have been increasing rude and crude. Original creditor has no interest in dealing with it either they just keep referring to them and advised me they do not have to cooperate with state folks. These phone calls have bordered on harassment.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Im typing this letter as evidence of my attempts to mediate an on-going dilemma between myself and CAPITAL ONE.I find it IMPERATIVE that you intervene as governing party. Since XX/XX/2021 I have contacted CAPITAL ONE by way of phone, fax, email, mail and now through the Consumer Financal Protection Bureau. I have RIGHTFULLY concluded that CAPITAL ONE is and has been willfully negligent in rectifying their affairs. Pursuant 15 U.S Code 1691 ( c ) CAPITAL ONE has assumed liability pursuant 15 U.S Code 1691 ( k ). CAPITAL ONE has discriminated against me as well as violated my federally protected consumer rights. PLEASE REVIEW ATTACHMENTS
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

Calls and hangs up when my employers answers, left threatening voice mail messages, when employer answers phone will ask for a person that does not work there, calls repeatedly throughout the workday. Repeated phone calls disrupts business operations and prevents legitimate customers from being able to reach Employer. Overall unwarranted and unsolicited and excessive harassment. Have been told to stop calling and will not stop calling the workplace.
Consumer complaint received 2018-10-21
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. (IL)

I have contacted Experian Credit reporting agency via certified mail regarding fraudulent accounts being reported on my Experian report as well as provide copies of my ID theft police report and fraud affidavit and as of yet Experian has not blocked the fraudulent items as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer indentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of such receipt by such agency.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC (CA)

I received a letter from your company that you requesting the supporting documents and information for my dispute. Please see enclosed documents and information to resolve and investigate account in my file. 
AMER CR ACPT XXXX Balance : {$0.00}
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I contacted CapitalOne regarding the interest earned on my savings account. My deposits in XXXX only earned a 30bps yield in Q4. I called on XX/XX/XXXX ( XXXX EST ) to ask why my account was not earning the 3 % + rates they were advertising on their website. The customer service agent I spoke with was named XXXX XXXX XXXX ). She explained that I had an older type of savings account called " 360 savings account '' and that only the newer " 360 performance savings account '' earns the higher interest rate that are advertised. She further explained that the types of savings accounts were identical to each other ( no fees, etc. ), but the only difference was the yield of the account. I asked why my yield was not changed and/or was not upgraded given that is the only savings account they're offering to the public at this time. She did not offer an explanation but stated it's my responsibility to check yields and that they're available on their website. 

I have had the money in the account for 10+ years and never once was notified that my account type was " old '' and wouldn't receive higher interest rates. The CapitalOne service agent did say they have received numerous complaints about this, but the only thing I can do is open a new account and transfer deposits into it. They could not pay me for the interest I didn't earn because my account type was " old ''. I believe this is a bait and switch tactic to get people in the door, advertising high interest rates, but then they don't notify customers their accounts are obsolete and won't earn higher interest. This practice is unfair to the customer and not ethical.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXXXXXX XXXX XXXX account # XXXX. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX 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.
Consumer complaint received 2019-05-07
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. (MO)

I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NY)

I opted to receive electronic statements and notifications for my mortgage with Rushmore Servicing.

I happened to go on line to look at my account and realized that my monthly escrow payment had been increased by {$370.00} per month, more than 10 % of my previous mortgage & escrow payment. I was not notified of this change by email or in a written letter.

I called Rushmore Servicing and they said that they don't have to notify me by any other way than sending me my monthly mortgage statement. To be honest, I don't look at the monthly mortgage statements because I assume they will always be the same unless I'm notified otherwise.

Is there nothing in the law that says a mortgage provider does not have to notify a home owner if they are changing their monthly escrow expense?
Consumer complaint received 2019-05-07
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. (CA)

Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX XXXX have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.
Consumer complaint received 2018-08-23
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: Bread Financial Holdings, Inc. (GA)

I was not aware that XXXX XXXX has me listed as an authorized user on this account. This account belongs to family member and I or the owner of account was not aware that I was listed on the account. I want the account removed from all three credit bureaus.
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

I found out last Sunday, XX/XX/XXXX, that my credit rating had been lowered and I learned from the XXXX credit bureau that the agency FIRST FEDERAL CREDIT CON was collecting a debt I had never heard of before. I have never been contacted by a collection agency. How can I pay a debt if it has never been reported to me yet it appears it is not mine? 
I, therefore, request that it be immediately removed from my credit report and that a validation letter and verification of the alleged debt be provided, please. 
XXXX