davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Exchange Finance Company (TN)

exchange finance company XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX XXXX I have a personal loan with this company and I have advised XXXX 2 times not to contact me at work and the human resources department has advised them as well the calls continue to come and could cost me my job.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Frost-Arnett Company (IL)

Frost-Arnett collection company was unable to reach me on my cell, so proceeded to call my work and tell my co-worker who answered the phone all about my debt. Not to mention she could get me fired if she keeps doing the back to back to calling while Im trying to work!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  **************** {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX  XXXX {$3800.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I was victim of Identity Theft, somebody stole my personal information to open credit cards.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (TX)

I have been charged {$5.00} monthly for XXXX XXXX credit life insurance without my acknowledgement. I contacted them around XX/XX/XXXX advising them of the charge and no action has been taken as of today XX/XX/XXXX. 
This was from best buy XXXX  card
Consumer complaint received 2019-09-24
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. (OH)

I applied for credit in XX/XX/XXXX, I was told by the finance company I had a negative reporting on XX/XX/XXXX by XXXX XXXX XXXX appear on my credit report. so I pulled my credit report XX/XX/XXXX. This also the same month I began to dispute this item from XX/XX/XXXX to present XX/XX/XXXX this item continues to remain on my report and XXXX XXXX XXXX continue to provide false information from their XXXX Virgina location and XXXX California Location.
Consumer complaint received 2021-03-08
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Persolve, LLC - Legal - Series 2 (NV)

My wages are currently being garnished by Persolve LLC because I was sued in a state in which I do not live in. I never received any letters or a chance to dispute the charges against me. I sent a form disputing the charges to the court that this lawsuit was filed because its in a completely different state than where I live now but because of the government shutdown earlier this year I understand they are in a backlog.
Consumer complaint received 2019-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

XX/XX/XXXX was virus on my computer and number pop up to call .I called the number and end up bein hackers .So they log in to my computer, then to my bank account and they mad me transfer {$89000.00} to their account # XXXX and routine # XXXX.This was happen around XXXX XXXX .At XXXX I called chase wire transfer department and they gave me case # XXXX # XXXX .So I believe it is chase mistake waiting until XX/XX/XXXX then they send hold harmless letter to XXXX XXXX .I tried to call chase wire transfer almost every week but they do not gave any specific answer.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax/XXXX, 15 USC 1681c Requirements relating to information contained in consumer reports ... 

A. Information EXCLUDED from consumer reports. ( B ) no consumer reporting agency may make any consumer report containing any of the following information : 1. Cases under Title 11 of the States Code or Bankruptcy act that, from the date of adjudication ( filing ), as the case may be, ante date the report more than 10yrs .... 

Remove the Chapter XXXX bankruptcy ... Fair Credit Report Act has giving direction in this matter. Youre never to report this information ... 

Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Equifax/XXXX, please remove the Chapter XXXX bankruptcy, all accounts and inquiries..
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX sent me an email notice asking me to check online message regarding my monthly payment for the XXXX-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my XXXX XXXX login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called XXXX XXXX and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of XXXX XXXX monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If XXXX XXXX spent more time on their IT management, they would not have had the data breach incidence and I would less likely to skip their email. In addition, XXXX XXXX called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish XXXX XXXX to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by XXXX XXXX. They do nothing to protect consumer 's interest.
Consumer complaint received 2019-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I spoke with an agent at Capital One about my account that is showing two recent 30 day late payments and he told me that it's not late and i let him know that it has been reported to the credit bureaus and dropped my credit score.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loancare LLC took over servicing our mortgage for the XX/XX/2019 from XXXX. We have made all payments on time without a problem. The problems have occurred when I make addition principal payments. The problem is when I make the payment, Loancare applies it to two regular payments and the rest to the principal instead of applying it to the principal. I have called the two times I that they did this. I am told that it will take 5 days to process  and correct the situation. The new payment is always {$15.00} hire and I do not get 100 % of the additional principal payment on my account. 
Today I called the company, the agent I spoke to again took my payment over the phone, the original payment was XXXX and I was charged XXXX for my XX/XX/XXXX payment. When I asked why the agent told me she did not know. I asked to speak to a supervisor so I can find out. I was told that the do not forward calls to supervisors they would call me back within hour. That was at XXXX XXXX it now XXXX and no call has been received. 
The two incidents occurred on checks written : XXXX XXXX and XXXX XXXX. 
Additional information available.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I'm in escrow this week and need to deposit XXXX into my escrow account. I deposited a check for {$4600.00} with Wells Fargo and I was told the money would be there today XX/XX/24 however when I logged on to look the money is nowhere to be found. There is no pending deposit or a record of the deposit. I called Wells Fargo and showed them my emailed receipt and they said it would take 10 days to resolve. Meanwhile I need to move forward with my escrow. This is unacceptable and I want someone to answer me as to what went wrong and more importantly I need a speedy resolution.
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (NV)

Last XX/XX/XXXX I received a letter from Barclays Bank demanding payment on loan for XXXX XXXX XXXX XXXX. I returned their letter with handwritten statement explaining I tried using the vacation club to no avail even after speaking to Manager to fix the problem. Payments were to be automatically removed from checking account. Went back to XXXX office again to discuss issues but manager didnt have time for me and was to call me, which never happened. Why should I pay for something I cant or allowed to use as sales pitch promised. Felt from the very beginning I was being scammed and as a XXXX year old female, I still feel this way today. 

Now yesterday I received a three-day notice. We are seniors battling XXXX fight and dont need added stress to something I tried to resolve from beginning two years ago when first purchased this vacation plan.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (NV)

This company has on several occasions called me, my family members, and my husband 's ex-wife stating that I have a pending law suit against me. The company gets very aggressive and threatening before hanging up. Today XX/XX/XXXX I decided to go along with the call to find out exactly what they were trying to get from me. I have 2 voicemails from a gentleman stating that there was a lawsuit against me and that my failure to respond would result in my admission and I would be held accountable by the courts. I called back and was transferred to a girl that said it was in regards to a Wells Fargo account that I opened in XX/XX/XXXX and that I overdrew the account and owed {$4200.00}, I knew that this was incorrect. She then stated that they had tried to settle the account with me for {$1300.00} which was also incorrect. I told her that I was concerned that someone got a hold of my social security number and that I would be calling the social security department, she started to get aggressive and ask why I would do that but then quickly said that maybe I should because I am responsible for the debt and I should be prepared to show the judge everything. I asked when the court date would be and she said that would be in the letter they send me. I asked her when the account was closed and she said that I didn't close the account but Wells Fargo closed it because the account was so overdrawn. I also knew this was false. I called Wells Fargo and they confirmed that I do not have any outstanding accounts with them. I was able to get the name, address, and phone number to the company that has called. I want them to stop contacting me and the people I know in regards to this fraudulent claim. The company is called XXXX XXXX XXXX, the phone number was XXXX, and the address is XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I had an interest only promotion from XXXX XXXX/Commenity Bank. 
I called for a loan payoff prior to term ending and paid on XX/XX/XXXX the payoff of XXXX. 

All of my payments were made for XXXX. 

They charged {$400.00} dollars for interest after the payoff. Continue to charge interest and late fees on the incorrectly charged interest in the first place. I have called 3 times and told they will never remove the interest fee applied post the payoff receipt on XX/XX/XXXX. All fees have been incurred since then. I have had this card for years and rarely use and now they are reporting 30, 60 days late on my credit report via XXXX and the other agencies as well. 
I did not use an actual card for this charge they processed electronically. The company will not provide me with the account number only my statement has the last 4 digits.
Consumer complaint received 2019-09-24
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. (CA)

XXXX XXXX ran a hard credit report without my consent. I did not request any credit or loan from them. I went to open a momeymarket account for savings only and did not want any other products. I was not told that they would do this. I called them but have not gotten a explanation. I want them to immediately correct this.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

This letter is in reference to # XXXX by Midland Credit Management , LLC, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from XXXX XXXX for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with XXXX, XXXX and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted XXXX XXXX, XXXX by phone on XX/XX/XXXX at approximately XXXX XXXX with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the XXXX XXXX, XXXX records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by XXXX XXXX, XXXX to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM NOW SUFFERING THE CONSEQUENCES OF SOMEONE'S SELFISH ACTS. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. 
IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.