davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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. (FL)

*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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX 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 account without my written instructions
Consumer complaint received 2021-06-09
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. (CO)

I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (PA)

My identity was stolen and is being used in another state. I was reported to collections for an unauthorized charge I did NOT agree to and I did NOT sign for. I'm in the process of buying a house and was informed of this fraudulent charge and it is greatly affecting my health and I'm going to have to take legal action. The police have been notified and an police incident case has been started. I have sent the paper work to them and it's still on my report.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I had two XXXX XXXX  checking accounts. I owed XXXX XXXX a certain amount. Because my name was on the high school account they took money from their accounts to cover my debt. I have to be a signer on their account. So they should not be help responsible for my debt.
Consumer complaint received 2018-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I had a XXXX XXXX card via XXXX and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. XXXX XXXX  was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many XXXX XXXX  accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.
Consumer complaint received 2018-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Due to a recent refinance, LoanCare has my loan. In my opinion, they use a coercion mechanism to deny customer the right to a postal statement. In particular, I can't see any online statements at www.myloancare.com, unless I agree to accept 'estatements ' thereby losing my right to a postal statement. 

Result, IF the postal statement is wanted ( it is ) then looking up the statement online, is barred by LoanCare. 

FURTHERMORE, they do NOT mail the postal statement timely. I want to pay the loan by the XX/XX/XXXX of each month ( 10 days early ). I typically don't have their postal statement, AND I can not look up the eStatement online either. The result is I have no statement at all, neither electronic nor postal, when I'm ready to submit payment ( typically the XX/XX/XXXX ). 

I've had MANY mortgages ( and credit cards ) in my life, and never experienced this type of blockage against postal statements, NOR blockages against looking up statements online. 

All attempts to resolve this with Loancare fail absolutely. They are uniquely unhuman and unhelpful. Now they changed my statement headers to " XXXX '' apparently moving my loan servicing to another subsidiary. The tight timing to my objections, suggests they changed the company name on my statement, to 'cover their tracks '.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

To whomever it may concern, As of today XX/XX/2020 my money has been held without explanation since XX/XX/2020. XXXX XXXX dollars has been sitting in my capital one account this whole time saying funds not available for withdrawal. It was the beginning of my business and we were working on getting our business account. The fact that their were third party payments, the bank took it upon themselves to open an investigation which still to this day has not come up with a conclusion, when i ask them about it they say they cant say nothing to jeopardize the integrity of the investigation. None of the clients who sent the money filed a dispute or complaint in regards to unauthorized payment, in fact no-one has said anything about anything due to the fact that my client are outside of this country and used a digital banking app known as XXXX. Since trying to explain to them what XXXX is and they not knowing they just kept stonewalling me. I have called and filed numerous complaints with the bank and have spent at least 25 hours on hold waiting for someone to give me a conclusion. At this point my company has suffered irreplaceable losses due to the loss of our seed money, which basically came from our first project. In the middle of covid the bank decided to hold over XXXX. At this point I am filing a law suit in small claims court against the bank. 
Capital One customer service used profanity and even used racist comments to describe my situation when i pleaded with them to help with my situation, multiple events where I was told to be put on hold and litterally just hung up on, no class or deception just straight up treated me like dirt. When I went to the branch they said there is no way to speak to the investigators who made this decision, The crazy part is that every month the account is still gaining interest meaning they are actively using that money in their portfolio which is what banks do and recognize it as viable funds able to fund their bank and make their trades, but for me the money is frozen weird ...
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

Purchases totaling {$27.00} were made XX/XX/XXXX and XX/XX/2018 using Lowe's/XXXX XXXX Credit Card . Electronic delivery of statement was missed and {$25.00} payment due on XX/XX/XXXX was made two weeks later on XX/XX/XXXX. The remainder of the balance for purchases plus interest ( {$3.00} ) was made XX/XX/XXXX when the next statement arrived. Interest on {$25.00} for two weeks calculated at the statement rate of 26.99 % annual is approx. {$.00}. ( XXXX XXXX  ).  Lowes assessed a late fee of {$25.00} on the original purchase amount of {$25.00} ( purchase amount was paid two weeks late ). That is equivalent to approx. 200 % per month or 2400 % per annum. When the original fee of {$25.00} was not paid, Lowe's/XXXX XXXX, on subsequent statements continued to assess and attempted to collect additional fees and interest, compounding monthly. The current balance of fees and interest on XXXX amount purchase principle is {$180.00}. For the calculation on a zero principle to be any amount more than XXXX, the interest rate required would be more than infinite. 
I hereby report Lowe's/XXXX XXXX  for the crime of usury.
Consumer complaint received 2022-05-03
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. (CA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text on XXXX indicating that new Bank Of America Credit Cards will be shipped to me in XXXX  days. I never applied for new Credit Cards. I called Bank Of America and highlighted it as a fraud.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened my new checking account with Citi Bank in XX/XX/2018 and met the requirements for the promotion offer of XXXX . It has been more than 6 months and I have not received any bonus. I called the customer service several times in the past few months but no any response. I request the Citi honor its promotion offer as advertised.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and Experian the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Office of Edwin B. Parry (UT)

I started getting garnishment for a debt from 7 years ago that I would not remember anything about, I wish these debt lawyers would try to contact costumers before just out of the blue start garnishment especially if its a debt you dont even know you owe. I dont see it on my credit report so how would someone know. Now there garnishment with interest so now Im paying triple the amount, this should be illegal and not to mention its a pandemic so its a struggle right now just to eat. Talk about taking advantage during this pandemic that shows a lot about this company!! Shame on them
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

PHH Mortgage reported XXXX late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with PHH acct. num. ) to have payments differed until after my orders ended ( I.A.W. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called PHH to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. PHH customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into XXXX and it did no good ). PHH states they have no way to call XXXX to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, PHH 's research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, PHH customer service and XXXX to get the mess sorted out but XXXX said they are not allowed to talk to third parties.
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

This is not mines compant threatened to ruin my credit if i didnt pay. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Unknown Account Name EOS CCA Account # XXXX Account Type Other Collection Agencies Balance {$42.00} Past Due {$42.00} Date Opened XX/XX/2018 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
Consumer complaint received 2018-11-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX
Consumer complaint received 2018-10-14
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. (AL)

I received documentation from XXXX XXXX XXXX/XXXX on XX/XX/XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXXthat the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.
Consumer complaint received 2018-10-14
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. (IL)

I have tried to correct this mistake made by equifax 3 times. On XX/XX/XXXX I moved from a house which address was XXXX XXXX XXXX XXXX XXXX Il. XXXX I then contacted all three credit reporting agencies and changed my information, I also have a credit freeze due to being a victim of identity theft. I then received letters from XXXX XXXX and equifax and equifax letter dated XX/XX/XXXX stating my address change. Sometime between that date and XX/XX/XXXX someone from equifax has made a mistake and entered the wrong address on my credit. I have called 4 times have a conformation number of XXXX for my dispute I have faxed the copies they have requested and still my account is frozen. My problem I have applied for credit and can not remove my credit freeze due to the address discrepancy. They have locked me out of my account and when I call and give them my correct address it locks me out. All I want is for equifax to unlock my account and change my address to the correct one which they already have been given which is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2022-05-03
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. (TX)

EXPERIAN INFORMATION SOLUTIONS LLC has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Accountant Exchange Group (NC)

I received flyer in mail I called about loan. The person told me they couldn't large but could do small loans which ended up being something like payday loan. when paying amount back I only paid interest and the person claims I owe them more than that so I refuse to pay back anything I didn't receive now the person is harassing my job that I listed on application.They are calling my manager and telling them they are responsible for my bill.

My manager stated this is how the phone went : The guy asked for XXXX and I told him that she wasn't working. He then proceeded to ask me ( XXXX ) if I was in human resources for XXXX  XXXX. I said no. He then asked if I authorized this ... I wasn't sure what he was talking about. So I told him that I didnt know what he was talking about. He also asked why my name was on it, authoriting it. I told him that I didnt know, but my name needed to be taken off. He then said that this wasn't going to go away ... insinuating that someone was going to have to pay. After that he asked for a manager, so I sent him to our store manager who got tired of arguing with him so he hung up on him. He called back the next day ( sunday ) and asked for XXXX. I said that she wasn't there and hung up on him.
Consumer complaint received 2018-10-14
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. (AL)

I received documentation from XXXX XXXX XXXX/XXXX on XXXX XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXX that the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.