davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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: Credit Karma (NY)

My credit score was XXXX I was told I was pre-approved for a XXXX  XXXX XXXX XXXX And if I applied my credit score wouldn't be affected. I was denied by XXXX XXXX and immediately my credit score was effect. My credit score drop down once I was denied. It even reflect on my credit score which I been trying to dispute with credit karma and still no resolution. Please help
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I PAID {$1400.00} TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX BANKING WITH XXXX XXXX XXXX, XXXX. BUT THE FUNDS NEVER ARRIVED AT XXXX XXXX. XXXX XXXX XXXX. USES JP MORGAN CHASE AS THE CORRESPONDENT BANK FOR INTERNATIONAL AFFAIRS. OUR BANK IS XXXX XXXX XXXX CONFIRMED THAT THE FUNDS WERE SENT TO JP MORGAN CHASE. TO CONFIRM THAT THIS TRANSACTION HAD BEEN DONE WE REFER TO SWIFT REFERENCE PET XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX XXXX, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them i never applied for their card and they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 
XXXX XXXX Account number XXXX
Consumer complaint received 2022-10-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : OFFICE OF THE ATTY XXXX # XXXX Account name : XXXX REWARDS # XXXX Account name : XXXX XXXX # 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 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 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

From the onset of Roundpoint mortgage purchasing my loan there has been continued efforts on the company 's part to attempt to get me, the homeowner, to pay sooner than is required. There is a 15 day grace period on the loan. This is common practice and is stated on the mortgage statement. However, Roundpoint sends a letter each month on the XXXX or XXXX day of the month stating the mortgage is late, even though it is paid within the 15 days allowed. They also send the mortgage statement out prior to the final day to pay, which is the XXXX, and this bill suggests the mortgage is over due or late. So the bill which should state {$3400.00} instead says {$6800.00}. All these letters and statements are intentionally written to be deceptive. It also puts pressure on home owners to pay earlier than is required. This pressure is unfair to the consumers and if successful is a huge financial benefit to the company. This behavior is predatory, and unethical, if not illegal. In addition to pressuring homeowners to pay early, XXXX failed to pay the house insurance on time. This put the house at risk. I have never experienced such unethical behavior in a mortgage company. I have owned 7 houses, and currently own 3. I have never had such a problematic mortgage company. They should be investigated and sited for unfairly pressuring homeowners to pay early.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I tried to notify the bank that an unauthorized ACH withdrawal had been made on my account. The employee ( on telephone ) said he was having trouble restricting the account. So I went to the branch on that day and they restricted the account and opened a new account but they were not able to transfer the funds ( {$63000.00} ) from the restricted account to the new account. 

The next day I tried again to have the funds transferred to the new account. They failed and said to try again the next day. The next day they failed again and said they were very busy and to try another branch. Which I did. The new branch again tried to transfer the funds and failed and so said they would send the problem to the " Branch Complaint Escalation Team. '' 6 days later that rep called and said he could not help and to call the " Telephone Bankers Check Releasing Hold dept. '' Which I did. They said it was not their problem and it could only be handled at the branch.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (TX)

I pulled my XXXX credit report today XX/XX/2019 and I applied for American Express plum card on XX/XX/2019 and American Express pull my credit report twice with XXXX  and refuse to remove on of the inquiry and Ive been sending documents and they never responded or return my calls .... and Im asking them to remove the duplicate inquiry off my XXXX  report and its been few months and Ive havent heard from them the application number for the business plum card XXXX and I have the copy of my XXXX report and I also noticed that there was a inquiry back in XX/XX/2019 for a American Express green card and I never applied for it and I received a letter saying it will be removed off my XXXX  but its still remains
Consumer complaint received 2022-01-17
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. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

While requesting a pre-approval mortgage loan from XXXX XXXX, on XXXX XXXX, 2016, i found out there 's is something in my credit report that does n't belong to my personal credit history. It is from XXXX, joint acc. # XXXX opened on XXXX for the amount of {$6800.00}. i called XXXX, they told me they could't help me with this because the account was n't under my name. they reffered me to Equifax to be helped with removing that transaction from my credit report history.
Consumer complaint received 2022-12-01
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. (NV)

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



XXXX  XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX & XXXX 15 U.S.C . 1681 section 602 A. States : I have the right to my 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.

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 items of information other than records of conivctions 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 resonable cause to believe that the information is accurate.
Consumer complaint received 2023-07-21
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. (GA)

This complaint is about this noted Company having a reputation as being an easy target for Identity thieves. I have been experiencing identity theft since XXXX, XXXX due to a Data Breach by XXXXt XXXX XXXX XXXX . XXXX XXXX  XXXX has my Case. Loans, Credit Cards, etc. were taken out in my name as these thieves had my personal info. due to this Data Breach. All Companies have been easy to work with, except for this company. I had well over 20 fraudulent inquiries on my Credit File. This company wants me to do all the work for something they allowed. This is not a XXXXustomer Oriented Company, and I would not recommend the financial services of this Company to anyone. 
XXXX XXXX XX/XX/XXXX  XXXX
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I switched my loans to the XXXX plan recently. When I look at the federal estimator it shows my possible loan payment amount at XXXX $ a month, when I complete the application for ALL of my loans it shows my payment amount at XXXX $ a month. Mohela seems to have XXXX separate lines for my loans XXXX on it's own and the other XXXX grouped together. Both under the save plan but calculated separately. This is resulting in {$230.00} and XXXX or XXXX a month. This is clearly a mistake of how they've decided to separate the loans which should be grouped together. When I call to ask about it I spend hours on the phone where they ask me to recalculate through the federal student aid office ( done ), where they tell me that the amounts are accurate ( wrong ) or they otherwise refuse to resolve it. When I ask what the numbers they have based my calculation on are they refuse to give it to me leading into a perpetual cycle of calling and not resolving the problem. I have not been able to get a single person to understand why calculating the XXXX loans separately is incorrect and why they should be grouped together under a single payment and calculated together and they tell me they are going to have someone 'review ' my account and offer XXXX business days to complete the review. There is never any review which seems to occur and when I call to ask again I get the same run around.
Consumer complaint received 2024-05-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC (CA)

XXXX XXXX XXXX purchased a falsified debt from Advance Financial regarding a pay day loan. This deb is not owed. And, the debt appears to soly consist of interest charges of 247 %. The statement that was provided to me by XXXX XXXX, does not include a full statement including remaining balances post payments ( including interest rates charged ) and XXXX XXXX has not responded to documentation that I have provided. XXXX XXXX added this falsified debt to my credit report in attempt to extort money from me.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (KS)

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Consumer complaint received 2021-09-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC (FL)

Back in XXXX i contacted COLLINS ASSET GROUP Collections whom was contracted by a finance company ( XXXX XXXX ) i owed {$2200.00} whom Obtained my Car Title from the Lean Holders after i had paid the Vehicle off in XXXX of 2020. XXXX @ XXXX is who i've been corresponding with over the phone @ Collins, i exlained that i understand they were holding my car title & i want it so lets make arrangement for me to pay, we ageed i would pay {$70.00} a month auto withdrawn from my chkg acct until the debt of {$2200.00} is paid & we hung up, {$70.00} was withdrawn @ the end of that same week, the following wk i called XXXX back because {$70.00} isn't enough & i didn't want them in my acct that long so iasked if we could make a different arrangement of {$1500.00}, sure she said, so i said {$130.00} bi-weekly & she said Ok for 6 months & it would total {$1500.00} she said & i greed & asked her to send me something in writing stating the agreement we made & the amount for me to pay & she said she can't change the statement amount but the agreement amount of {$1500.00} is in their system. ( she was very nice & convincing & willing to work with me on {$1500.00} agreement so i took her word & didn't pressure on the statement issue ) & the bi-weekly paymnt started to be withdrawn regularly until i got a insufficient fund in XXXX, so i called XXXX about NSF & she said No Worries you get no penalties, so i said can you put that payement at the End? & she said yes & i said thank you & can we resume withdrawals on the following payweek? yes again & we hung up then in XXXX the 2nd withdrawn for that month i got another INF, so she called & told me i got to many NSF 's & she can't hold the agreement of {$1500.00} anymore, i said to her that she never stated any of this to me & then she started to get really Nasty & told me i had to start all over again with payments & that i still owed over {$1300.00} & when i question her about all the payments i had made already & that she is sounding like i didn't have an agreement & she is charging me the full {$2200.00} she told me she really didn't have to make an agreement with me & that she was doing me a favor & that i had only made 2 payment because i broke the agreement twice.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (KS)

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Consumer complaint received 2022-11-30
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. (FL)

I checked my credit report and saw a medical collection appearing and this clearly a violation of 15 U.S. Code 1681a ( 3 ). There is a restriction on sharing of medical information. Here is the account appearing XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Account # XXXX. This relates to a formal complaint XXXX and an answer is required as it follows a response from the bank which I am not happy about. The issue explained by the bank is that my ex-wife at time of the divorce years ago did not acknowledge the transfer of the deed from ( me and her ) to myself. I do not understand why the bank is aware that the deed was supposed to be transferred to me, this is a mystery. I clearly remember receiving paperwork from the county clerk testifying to the fact that the deed has been transferred to me. It is very late in the game to discover this. If the bank figured this out, how in the world this mistake was not discovered at the time of the incident ( my wife not acknowledging the transfer ). 

Who do I believe? the clerk? TD bank and who is supposed to tell me? How was I supposed to find this out? And, foremost who is responsible?
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (FL)

Equifax has blocked me from using my account. I have been on the phone with them for at least four hours over the last two weeks they said there was a problem with my account because of my signing in was not correct they have sent me a new password resets but nothing works they are just impossible to deal with They refuse to cancel my account which means I keep paying every month
Consumer complaint received 2015-12-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

Purchased a house in XXXX/XXXX/2014 the initial mortgage was with XXXX then sold to XXXX and then XXXX. We received a letter from XXXX that they just purchased our mortgage and that was it so we paid them every month and never a problem. Then we recd letter stating new mortgage co Penny mac never received our payment so called found out it was sold again and payments had n't got forwarded. So talked to customer service and they said to sent new payments and they would correct it and no problem they never notified me of no payment late payment no call. then I find out its on my credit report and now I cant refinance.. We were never notified till after the fact that they never got the payments we made them and have a good payment history and now because we were never notified they have damaged my credit -no call no letter to say never got payments or payments were not forwarded from XXXX ... So I corrected it on phone and made payment they said would never affect my credit because it had n't been 30 days.. But they did and I 've tried to fix it with them but they are difficult to work with. They insisted they did n't put it on our credit but its there ... We had nothing to do with this they should of notified us that mortgage was sold again..
Consumer complaint received 2022-01-17
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. (MD)

I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all XXXX credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.