davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (HI)

I got an email this morning from Chase saying that on XX/XX/2021 my now closed account ( they did that as punishment ) will be charged penalty APR of 29.99 %. They are the ONLY creditor that has not reduced my interest rate during this nearly 1 year long pandemic. This is CRIMINAL. I had been paying as much as I could during COVID but they took all my remainaing credit ( over $ XXXX ) away after a $ XXXX payment in XXXX. I haven't received a dime in unemployment in over 2 months so I will have to borrow money when I try to settle this debt because with what I have paid in interest over the last year I could have substantially reduced my principal.
Consumer complaint received 2018-03-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I paid off balance {$4000.00} online from checking account.

On XX/XX/XXXX, I canceled recurring payments of {$110.00} set to occur XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, Bank of America ( BOA ) processed an electronic payment of XXXX from my checking account. I did not authorize this! The credit card balance was already {$0.00}, and the transaction was not necessary and not authorized! This transaction resulted in a credit balance of {$4000.00}.

On XX/XX/XXXX, I noticed the unauthorized transaction and called BOA to look into possible fraud. Spoke to multiple departments - fraud, credit card services, online services - but nobody could provide reason or how an unauthorized transaction could have occurred. XXXX investigation # XXXX supposed to look into this matter. I requested the XXXX be refunded to me by check.

On XX/XX/XXXX, I called BOA regarding the findings of case # XXXX. BOA 's response was unsatisfactory because they only stated the facts of what happened, and did not provide an explanation of how such a transaction occurred without my authorization. It was not a mistake on my part, as I have evidence of my recurring payment for XX/XX/XXXX was canceled. Furthermore, the setup for my recurring payments was only {$110.00}. My account scheduled payment activity history does not show any authorization. I still believe there may have been fraudulent activity, but on the part of BOA in taking money from my checking account and hoping I would not notice.
Consumer complaint received 2018-03-11
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. (CT)

I HAVE BEEN A VICTIM of TRANSUNION AND XXXX  AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON XXXX  BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, Chase Merchant Services XXXX deducted {$99000.00} from our bank account. We were not given any notice nor any explanations to the reason of the debit. From XX/XX/XXXX to XX/XX/XXXX further deposits have been withheld in the amount of {$9000.00} that is not reflected on our bank account. This makes the total amount withheld {$100000.00}. This action taken by Chase JP Morgan XXXX is detrimental to the survival of our fledgling new services, survival of our organization and disables us from meeting our debts and obligations. It has been over 60 days and despite many calls by me and by our local bank representatives the {$100000.00} has not be reversed. This action by Chase Merchant Services demonstrate abusive use of position without due process. 

After all communication with many representatives we were left with two possible reasons to debiting our account by {$99000.00} plus other deposits. First reason possibly due to section XXXX of Terms of Agreements to cover Chase Merchant Services in section a ) from risks, refunds and liabilities and in section b ) about required Reserve, which we will determine in good faith. Deducting {$100.00} thousand from total transactions of {$220.00} thousand which is approximately 50 % of all collected amounts does not demonstrate good faith only abuse of position with lack of regard to a new business. Second reason being that we stated that our total estimated transactions would be {$25000.00} and we exceeded that amount. Nowhere in the Terms and Agreements is it stated that the amount of our transactions can not exceed our initial estimation of transactions. We provided the bank letters showing that we are processing special health insurance for students at a major college and the amount taken is premium from 167 students who paid their premium in good faith that now can not register for Spring XX/XX/XXXX classes. We provided letters from college leadership, insurance company leadership explaining the urgency of this matter to no avail. The service we are providing is at minimum risk and refunds are rarely issue in spring since 98 % of students are ongoing students who are not eligible for refunds and this was substantiated by college leadership and insurance company. Hence making the amount of fund withheld in reserve extreme and unfair practice.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted Capital One regarding the interest on a closed account. The agreement was for 93 a month, however the fees alone total half of that payment, It is simply too high. I will never get ahead. I contacted them to remove the late fee and also help me with the balance but they refused. I need assistance with this bill because at this rate I will owe them even when I die.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Automotive Acceptance (MD)

I voluntarily gave the XXXX XXXX XXXX ( SNACC ) back their car, which is considered a voluntary repossession. This occurred early XX/XX/2016. SNACC was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.
Consumer complaint received 2020-01-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

So I moved into XXXX XXXX XXXX  3 years ago into a small one bedroom apartment listed at XXXX  monthly I believe. I didnt have issues paying rent and I had gotten a small puppy shortly after. It was a poodle Id say I got her 5/6 months before my lease was subject to end. It was a 12/13 month lease. Very small dog anyway me and the dog went along fine the office had no idea etc. I walked her in public at the dog park etc. at the same time I got her I got a boyfriend and lost my job at XXXX XXXX for being late. Therefore I asked him if he could help me pay my rent he said he would if I agreed to dog sit for him a few days out of the week : XXXX XXXX caught wind of his dog immediately and threatened to evict me because of it. If I didnt pay a pet fee, a pet deposit all over 500 dollars. I advised them the dog didnt live with me and that I was dog sitting daily for a few hours. At the time there was no policy against this. Because the dog didnt spend the night. So we didnt have the extra money and I moved out swiftly! With only 2/3 months left on my lease but I somehow owe them XXXX dollars if I moved out early from my current complex which is much newer and nicer than theirs I would pay the rent and XXXX dollars which totals to be less than XXXX! I am beyond XXXX about this and I have no proof of my lease because its old and Im just now at a point and age where I care to fight it because I have a child now whos XXXX  and I would eventually like a house.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX   XXXX - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : XX/XX/XXXX.
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (DE)

My mortgage was originally through XXXX, but sold to Seterus. For the 11 years I have been paying I pay online. Recently I received an email and letter from XXXX offering a " discount '' of my late fees. First I wasn't aware of any late fees because NO WHERE on the online payment portal does it disclose there are any late fees on my account. It just shows the principal due. The letter from Seterus dated XX/XX/18 shows that I owe in excess of {$2000.00} in late fees that I was completely unaware of. My entire mortgage payment is only {$1400.00}. a month.
Consumer complaint received 2018-04-11
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. (NC)

I have disputed XXXX XXXX  several times with the credit Bureaus due to inaccurate information showing on my credit reports. Experian continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Experian is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported. 

Previously Experian stated that they submitted my dispute to XXXX XXXX and XXXX XXXX verfied the information as accurate, however Experian is the company that is reporting the inaccuracies and it is their duty to complete a full investigation. Forwarding my dispute to another company is not equivalent to an investigation.
Consumer complaint received 2018-03-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX billed me for a service I never authorized ( see attached documentation ) on XX/XX/XXXXat XXXX They billed on my credit card a {$490.00} charge for a next full year of service. I contacted XXXX XXXX and said I never authorized the charge and did not desire their services for another year ( see attached documentation ) - I notified XXXX XXXX on XX/XX/XXXX at XXXX XXXX that I never authorized such billing I explained to XXXX XXXX that I had already removed them as the registered agent and they continued to bill the {$490.00} charge anyway I contacted my credit card company and they then removed the charge About a month later XXXX XXXX billed the charge again by claiming the charge was for service provided Which is a lie The charge was for future services that I did not wish to have from XXXX XXXX ( see attached documentation ) Now it is fraud and my credit card company refuses to accept the charge as fraud and will not remove it
Consumer complaint received 2018-04-06
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 (MA)

I have a XXXX XXXX which is administered by Synchrony Bank. On XX/XX/2018, Synchrony Bank withdrew {$820.00} from my checking account as an automatic payment for my statement. They should have reduced this by {$190.00} which I paid independently of the auto payment. Worse, they have not credited my account for the {$820.00} as of today, XX/XX/2018. They have credited the {$190.00} which I can use for credit. 

I was told there was a hold on the {$820.00} since it is a large payment, despite the fact that they withdrew the money from the same account as all previous payments including the {$190.00}. Further, the checking account shows the money has cleared my bank. 

I think this is fraud. I am told that I can not use the {$820.00} until XX/XX/2018. There was no warning. They are illegally denying me the credit promised. 

They seem to be above the law.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$780.00} XXXX  XXXX {$9300.00} STATE XXXX {$2600.00} XXXX {$30.00} XXXX {$690.00} XXXX {$2300.00}
Consumer complaint received 2018-11-19
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. (FL)

My credit report ran on 3 credit bureaus while they said it will be only one bureau and soft check. They ran for a used vehicle which is not even available and I lost 11 credit points for a useless cause. They don't even have other vehicles and tried to sell a very expensive SUV to me. The finance manager did not answer my inquiry properly and was very rude.with his unpleasant behavior I was shocked. He just told me I can do whatever I can. This is happened at XXXX XXXX at XXXX, XXXX, FL.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax, XXXX   and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. XXXX is  reporting XXXX as the account number. XXXX   is reporting XXXX as the account number. However Equifax is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. XXXX and XXXX is reporting XX/XX/2018 for last payment made. However, Equifax is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and Equifax is reporting XX/XX/2018 for date the account was opened. However XXXX is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (GA)

Date of activity : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX Original dispute filed : XX/XX/2019 Claims Dept : Chase Bank Case # XXXX My wife and I brought our family to XXXX XXXX for a day of excitement and fun but unfortunately services were never rendered due to severe weather which was totally unexpected. We requested rain checks from the merchant but they stated that they do not offer any type of rain checks or refunds for that matter. As a result, we are disputing the sum total of {$210.00} that was charged to us. 
We have been to this theme park several times and this have never been a problem. We request that this situation be resolved in all fairness.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (NY)

Calvary Portfolio threatened to sue me via XXXX XXXX. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX  XXXX {$690.00} NWIDE XXXX {$1100.00} XXXX  XXXX {$2300.00} XXXX {$790.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$780.00} XXXX  XXXX {$9300.00} XXXX  XXXX {$2600.00}
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXXXXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX