davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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. (OH)

On XX/XX/2019 I spoke with TransUnion about disputing the hard inquiries applied on my report unauthorized. I was advised by both CSR and Supervisor that I can not dispute my inquiries with them unless I have my FTC information or police report. I submitted my FTC information to them on XX/XX/2019 as well as my report has fraud alert added and a security freeze. Also, when I was redirected and discouraged to dispute the inquiries and the concern, TransUnion told me to contact the creditors to dispute the unauthorized inquiries. However, Ive contacted only Five creditors so far and they redirected me to dispute it with the CRA. And some of the inquiries does not have an address and phone number to reach them for TransUnion to state that the inquiries are considered factual. Under FCRA section 604, Information regarding inquiries, Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insur- ance transaction that is not initiated by a consumer. My rights are being violated and want these unauthorized/fraudulent inquiries REMOVED.

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX-No phone number 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX-on report 2x 5 ) XXXX XXXX XXXX-No phone number 6 ) XXXX XXXX XXXX 7 ) XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXXs 15 ) XXXX XXXX XXXX-No phone number 16 ) XXXX  XXXX XXXX  These hard inquiries are hindering my ability to apply for credit. When I spoke with XXXX from XXXX XXXX XXXX, she stayed that the request was submitted by man at XXXX. Again, theres no number provided. I even XXXX the number and called had no response. I am demanding that TransUnion to stop violating people rights as a consumer and fix the problem and remove these items presented and they are suppose to investigate.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I made an online payment of {$1600.00} on my credit card. At that time the previous Balance was {$1300.00} and the open balance was {$1600.00}. So I made a full payment and the card balance should reflect a {$0.00} balance. The following month I received a statement with the balance of {$18.00}. It seems I got billed interest on the card with no balance at all. I was thinking it is an error on the bank 's part and did not pay the bill. On XX/XX/2022, I received a notification that my card balance is XXXX. I contacted support via chat and they explained the charges. Interest rate $ XXXX late fee $ XXXX {$37.00}. They also confirmed that they waived the charges and it should reflect on the next billing statement. 
The same day, on XX/XX/2022, right after chatting with the support, the credit card company lowers my credit limit from {$1400.00} to {$300.00}. 
On XX/XX/2022, around XXXX I contacted the bank to get a clarification on why my credit limit was changed. XXXX who was on the phone told me that the only fee that was waived is the late fee and she will remove the interest fee. I asked for confirmation but she didn't provide it and told me that I should receive an email confirmation that all fees are waived and the balance on the card is zero. Also, I asked to discuss the credit line issue and she transferred to the credit department. XXXX ( ID # XXXX ) explained that the credit was reduced because my credit score was changed. Since he could not help I asked to speak to a supervisor. XXXX ( Id # XXXX ) was telling me that all the charges are correct and one of the factors is that credit was lowered because of the past due amount. After mentioning to XXXX that " I won't be surprised if you close my credit card after this conversation, she responded that due to your request we will close the card ''. 
This is how credit cards are helping hard working people trying to pay off their debts in these hard economic times. 

The bottom line is 1 ) I paid off my entire credit card debt. 2 ) After paying on time, I got billed additional interest, a late fee, and the credit line decreased. 

The actions of the employees are very unprofessional, rude, and ridiculous.
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (LA)

I received a letter dated XX/XX/2019, which stated that an account had been listed with the sender " for collection. '' It appeared from the letter that it was a claim on behalf of an insurance company ( XXXX '' ) relating to a date of " loss '' of XX/XX/2019 and listed the name of an " Insured. '' I have no relationship with either XXXX or their insured, nor was I involved in whatever incident they were cryptically referring to. On XX/XX/XXXX I responded by letter, telling the sender that I disputed the validity of the claim, demanded that they provide information including detail of their so-called claim, and took them up on their offer to identify the " original creditor '' and " current creditor. '' I have not received any response to my letter. 

Instead, I received a second letter, dated XX/XX/2019, telling me where to send my payment. The letter did not include any of the information I had demanded. I understand that this second communication violates the Fair Debt Collection Protect ion Act.
Consumer complaint received 2019-06-12
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. (MA)

sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and Equifax reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX  XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC (PA)

I am interacting with a mortgage lender named FBC Mortgage LLC out of XXXX PA on XX/XX/2019. The lender, XXXX XXXX shared my private financial information including rates, costs, and conversations with a third party .. XXXX XXXX of XXXX XXXX without my approval. I did not authorize this and told him that was not authorized to do so. He blew it off that it wasn't a big deal. 

I consider this a serious breach of my information and am worried about their data privacy practices.
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (PA)

In XX/XX/2018 I was approved for a mortgage with JGWentworth. 
On XX/XX/XXXX I made an offer on a property and the seller accepted. 
I have paid {$500.00} for home inspection, {$550.00} for appraisal and {$500.00} for deposit. 
On XX/XX/XXXX we were suppose to go to settlement but we didnt. 
I had to sign an extension addendum for XX/XX/XXXX which settlement still didnt happen. I was told I needed to pay down 4 credit cards in order to get approved for the XXXX grant. I then paid {$1000.00} total for the 4 credit cards. Another extension was signed for XX/XX/XXXX which didnt happen because they ( JGWentworth ) told me I had to pay off my car note {$380.00} in order to go to settlement. I then found out that we wasnt going yet again because I was short {$1500.00} I needed to close. A new extension was signed for XX/XX/XXXX and still didnt go to settlement. I spoke to my lender to find out how much exactly did I need. Mr XXXX told me I needed {$6100.00}, he asked how much did I have and I replied {$5500.00}. When then had the seller sign another extension for XX/XX/XXXX. I have the {$6100.00} I need to close and now its another problem. They wouldnt accept the {$3000.00} gift from a friend in order for me to close and the seller had her agent email me a termination of the contract so that she can put her house back on the market. Due to the negligence of JGWentworth I am out of my money. I have done everything asked of me to get this done. Everything I have paid in order to get this property. Its not fair my money was spent on a property that I dont have.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

one inaccurate bankruptcy chapter XXXX is reporting under my experian credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my XXXX and experian credit file thank you
Consumer complaint received 2019-06-12
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. (MA)

sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX XXXX XXXX dealership for day one due  to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX  several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX reports as settlement accepted on this account or paid account/zero balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX   XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.
Consumer complaint received 2022-07-08
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: ID Analytics, Inc. (IL)

In accordance to the Fair Credit Report Act Capi/ XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2023-04-12
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. (SC)

Hello, I never received my original contract with my wet signature and I never signed a contract with XXXX XXXX  XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached 2 pieces of information for proof of my identity.
Consumer complaint received 2019-04-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/2019 at XXXX XXXX ( 31 mins ), XXXX XXXX ( 2 mins ), XXXX XXXX ( 1 min ), and XXXX XXXX ( 16 mins ) I called my mortgage company Mr. Copper. I spoke with XXXX ( ext # XXXX ) in regards to a letter I received in the mail. The letter has a statement date of XX/XX/2019. In the letter it states that I have to pay {$80.00} to my escrow account by XX/XX/2019 to have a monthly payment of {$990.00}. Mr. Copper calls that option 1. That is an increase from my past monthly payment of {$980.00}. Option 2 is to have the escrow shortage divided for 12 months and my new monthly payment will increase to {$1000.00}. I paid {$90.00} on XX/XX/2019 to my escrow account to have my monthly payment be option 1 of a monthly payment of {$990.00} and yet my monthly payment increased to {$1000.00}. 

The reason for the call was ensure if I place {$1000.00} in my escrow account would it decrease my monthly payment. When speaking to XXXX she told me that was not possible. I told her I would like to see a copy of Mr. Copper 's policy on escrow accounts and would also I like to speak with her supervisor. The supervisor name is XXXX ( employee # XXXX ), she gave an analogy of the escrow account being like a bank checking account. She said, " If you escrow account is in the negative, then the increase in the monthly payment increases to cover the projected escrow cost. '' I then said, " If that is so then if I transfer {$1000.00} my escrow account then my monthly payment should decrease. '' She told me that is not correct and the escrow account could not have a positive amount and I would receive a refund the following monthly. I then ask if she could send me Mr. Copper 's policy on escrow accounts, a document in writing where it clearly states that as being the company policy. 

It is now XX/XX/2019 and I have not received Mr. Copper 's policy on escrow accounts and that is my chief complaint. 

My secondary complaint is that I paid {$90.00} to my escrow account on XX/XX/2019 to have my monthly payment of {$990.00} and it still increased to {$1000.00}. 

This occurred to me last year as well. I paid the required escrow payment and my monthly payment increased anyways. I am sure if Mr. Copper is doing this to me they are doing it to other people. 

-- Sincerely
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (FL)

THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.
Consumer complaint received 2022-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2020
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

I was impacted by COVID-19 pandemic and as a result my work hours decreased severely also had a on the job injury. These two combined really hurt me financially, I have always kept in touch with Santander consumer USA regarding my situation. I have kept in constant communication with Santander Consumer USA from the very start, I told them that I am responsible and willing to bring my account to current status because it is in default and they have threatened to repossess my car again. 
I have told them that I am willing in good faith to bring my account up-to-date but they continue to harass me giving me notice to bring my account current or they will repossessed my vehicle. Earlier this year in 2022 Santander consumer USA was sued by consumers in another state it was a class action representing consumers with subprime loans who were affected financially the government was involved and Santander settled with consumers. I would like to add that I was just a few months away from being part of the class action but was not so I didnt receive any relief, Santander consumer USA is known for preying on consumers with their subprime loans and lending practices. They issue loans knowing that consumers with supreme loans will at some point default in their loan and then they come and repossess the vehicle and in the end they profit where is consumers are left behind. 
Santander consumer USA continues to harass me over the phone using Robo calls despite the fact that I have kept communication from my end continuous. They issued me a right to cure my loan before a certain date they have continued to ignore my financial situation and I am currently being forced to seek the option of filing a chapter XXXX bankruptcy for relief and to protect myself from Santander Consumer USA repossessing my vehicle. There lending practices to consumers are against consumers fulfilling their loan obligations and they continue to practice like this taking advantage of vulnerable consumers like myself who are trying to get back on their feet financially especially during the Covid/19 pandemic. 
The state of California, Attorney General should file a lawsuit against Santander Consumer USA for their business practices and targeting consumers with subprime loans and further taking advantage of them when they know in advance that consumers with supreme loans will most likely default within the term of the loan and not have an opportunity to pay the loan off. 
Their predatory lending practices to consumers needs to be overlooked by the attorney general so that they stop from targeting vulnerable consumers.
Consumer complaint received 2020-06-06
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: JPMORGAN CHASE & CO. (CA)

I noticed a recent new CHASE Total Checking and Credit cards  account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.