davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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. (OH)

I was offered a short term loan via email communication. 
I've dealt with them before, so took the loan. The monthly repayment was {$100.00}. My first payment was due in XXXX, which I made a double payment prior to the due date and was given a new due date of XX/XX/XXXX for my next payment. In between the time the double payment was made in XXXX and before XXXX, they reported me delinquent to the credit bureau. I immediately attempted to contact them by phone, but you are NEVER able to connect to a live person, they tell you to email or send a response thru their website. I tried multiple times and each prompt disconnects you and doesn't allow you to speak with a person. I emailed them 3 times : XX/XX/XXXX by email, XX/XX/XXXX on their website and again on XXXX as I have received no response to any communication I made with them. Additionally, I emailed to rescind my authorization for any automatic deductions for payment from my checking account, To date, not one response to any email or communication from them. I also disputed this with the credit bureau, but they continue to clear my dispute and list me as delinquent. I should not have been reported delinquent as per my online account, it stated my next payment date was XX/XX/XXXX - I assumed since I made a double payment at the end of XXXX, that was a true next due date. 
This company will not return a call to me, respond to my email requests to discuss, absolutely no response. I need assistance in getting this resolved.
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (LA)

I have disputed a Collections account with National Credit Systems multiple times and they have yet to send any information to me validating {$1100.00} being reported on my credit report. I have not done business with a XXXX XXXX XXXX and have no clue as to what this is. I do not owe anyone from XXXX XXXX XXXX and have asked that they supply documentation proving this account belongs to me. I have been going through this since XX/XX/2018 with no resolve and need someone to step in. When I contacted the Collections agency, the representative I spoke with had very broken English and was not able to explain to me what this is and why its on my credit report. She was extremely abusive and kept saying I knew what it was and I need to pay it as though I personally owe her money. This company has horrible customer service practices and dont even attempt to help you. I just need something from them indicating this belongs to me and for what-especially since I have no clue what XXXX XXXX XXXX is and have never done business with them.
Consumer complaint received 2019-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I contacted XXXX and Equifax multiple times about them Reporting incorrect information on my personal Credit report. I summit documents and Certified letters asking XXXX and Equifax to provide Valid information on the Investigation of Incorrect information on my personal credit report, I asked for manner as to how this accounts were verified, who verified and for proof that these accounts belong to me, and XXXX and Equifax failed to proved information that the Law ( FCRA ) specified.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hello- I have reached out to the credit bureaus, department of education and XXXX Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Consumer complaint received 2023-03-20
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-07
Product: Credit reporting 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)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.
Consumer complaint received 2022-03-12
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. (TX)

I checked my credit report recently and i noticed a lot of accounts that are not mine. I have requested information from the companies, but they have not provided me with any information. I have never used my credit for anything but a XXXX XXXX  account. The other information is not mine.
Consumer complaint received 2022-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (KY)

Asked spring oaks capital several times to remove item or verify I had personally signed contract with them and they would not verify and repeatedly sent same UNSIGNED documents over and over. Nothing ever had my own personal signature on it and nothing ever verified I had personally opened an account with them or any other entity.
Consumer complaint received 2018-10-26
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: EQUIFAX, INC. (MS)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate UNKNOWN XXXX, XXXX XXXX XXXX   XXXX
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NC)

My account was opened and funded when my card arrived I tried to activate it. When I tried it didnt work I called them and got transferred to the rudest nastiest customer service agent who read a long script and then she hung up On me. No explanation just a bunch of words
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXXXXXX & XXXX
Consumer complaint received 2017-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on XXXX/XXXX/XXXX stating that there was an escrow shortage of {$2600.00} and my mortgage payment would increase to {$1600.00} as of XXXX/XXXX/XXXX. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. 
I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US Bank either. I have never been late on a mortgage payment and I would appreciate it if someone would investigate this problem and let me know what options I have to resolve it.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. ()

I came to a agreement to settle the account in full with Santander consumer Usa for a lesser amount than I owed. Santander agreed for to settled the account paid in full for {XXXX} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my XXXX  and XXXX that I still owe {XXXX} and I would like this removed immediately!
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (ND)

I opened an account with the bank on XX/XX/XXXX while a promotion was running to start up a checking account with them to receive {$220.00}. The promotion ended XX/XX/XXXX but I met all of the qualifying activities ( direct deposit needed to be set up to waive fees, promo code was submitted to bank, I created the account with them in person ) prior to that date and the terms stated that the promotion would be distributed within XXXX days of meeting the qualifying actions, not the end of the promotion. It has been nearly XXXX days. I have called the bank numerous times. I have had many email exchanges and nothing has resulted from it. I just continue to be told they are working on it. I have no proof that they are. This is false advertising and they breached their own contract by not acknowledging it. Customer service is terrible.
Consumer complaint received 2023-03-20
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. (GA)

Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.
Consumer complaint received 2022-07-11
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: CAVALRY INVESTMENTS, LLC (NJ)

I have seen collections on my 3 Credit bureaus. I don't remember or recalled doing any business with them. Multiple times, I asked them to provide me with some kind of proof that I conduct business with them. Nothing was ever produced for me. When, I called them they ask for my personal info, or put me on hold for long long time. Please help me.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (CT)

T.D. Bank Credit Card from Raymour and Flanigan approved a credit card with a limit of {$8000.00} in XX/XX/XXXX, since than I have made multiple purchases and payments. The payments that I have made have been over the minimum payments. I made 2 purchases on XX/XX/XXXX. I made a payment of {$170.00}. a few days late on the month of XXXX my payment was due XX/XX/XXXX, and I made the payment late XX/XX/XXXX. Then I made a payment in XX/XX/XXXX, for {$2300.00} only owing {$400.00}. and still leaving me a limit of {$8000.00} dollars when I checked my account. The bedroom that I purchased on XX/XX/XXXX was being delivered today XX/XX/XXXX. The purchase went through just fine on XXXX. Raymour and Flanigan checked Friday XX/XX/XXXX to ensure that the bedroom set can be put on my credit where I still had the {$8000.00} dollar limit. Allowing me to receive my delivery today. Today, Saturday XX/XX/XXXX, they reduced my credit limit {$2700.00} this morning. The bedroom delivered today I had to have the deliverers put all the furniture back on the truck and take it back because than I would have been over the credit limit and TD Bank 's credit card would have charged me fees for being over their limit that they reduced today. I called and spoke to the Supervisor XXXX Title : Lead, Agent ID : XXXX at T.D. Bank who kept stating that they reduced because of my second late payment in 11 months but if that was the case, " Why didn't they reduce my limit in XXXX '' it was reduced XX/XX/XXXX the day of the delivery of the bedroom items that would have pushed me over their limit. They did not inform me they didn't give me a 45 day notice, there was no email sent or letter. When I stated to XXXX the Lead to close this credit card for their atrocious conduct with consumers he hung the phone on me. I will pay the {$400.00} dollars that I owe and close this credit card even if my credit score takes a hit. I do not want to do business with a company who intentionally does this without informing their clients. Although, I may had two late payments in XX/XX/XXXX, and XX/XX/XXXX, this are two different years I still made huge payments a few days later. This was during a pandemic and my payment was due XX/XX/XXXX, and I made a {$3000.00} payment XX/XX/XXXX. The payments weren't a month late they were days late. I asked the lead why I wasn't informed that I needed a 45 day notice before my items were being delivered that my limit being reduced the day of was wrong, He stated and I quote " You didn't inform us that you were going to have late payments when you applied for our credit card, did you? '' which was inappropriate and wrong.
Consumer complaint received 2018-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Seniors should be especially wary of doing business with this company.The Union Bank  may publish a meaningful disclosure of credit terms, a requirement of Truth in Lending, but the Bank utilizes a non-standard accounting system, inconsistent with American Accounting Standards because it allows them to open multiple accounts in your name in which to hide false filings ; and facilitates undocumented false demands. False charges are hidden there in small print. A {$600.00} charge for an appraisal is hidden in one of three accounts opened in my name ( without Notice and Agreement ) when no appraisal had actually been done. That happened months ago, but they still have not rectified the charge. This is a super greedy company. seniors beware! seniors should not do business with this bank unless they are experienced in dealing with rogue banks.
Consumer complaint received 2018-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

1 ) I am having issues/problems to pay my mortgage sinceXX/XX/XXXX. My mortgage company is MR. COOPER a/k/a Nation Star 2 ) With the help of NJ Citizen Action, we filed for Mortgage Modification and Mr. Cooper approved a TRIAL PERIOD on XX/XX/XXXX. ( Letter was received late on XX/XX/XXXX. However, I did the required payments for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( see attached ) 3 ) On XX/XX/XXXX via email I express to Mr. Cooper the reasons I was not agreeing on signing the Contract with the modification ( see attached ). 
4 ) OnXX/XX/XXXX I sent a letter to Mr. Cooper inquiring about my modification ( see attached ) 5 ) On XX/XX/XXXX I sent a letter to Mr. Cooper again inquiring for detail as of how they applied my payments. ( see attached ). 
6 ) On XX/XX/XXXX I made another inquiring to Mr. Cooper ( see attached ). 
7 ) On XX/XX/XXXX NJ Citizen Action representative Mr. XXXX XXXX filed a second application for Mortgage Modification, and explain on it that my financial situation have been worsening due to loss of rental income. However, that if received a modification as presented before, I will be able to make the payments. 
8 ) On or around XX/XX/XXXX, I contacted Mr. Cooper, they claim that they never received the application for a Mortgage Modification filed on XX/XX/XXXX. Mr. XXXX XXXX proceed to re-filed ( see copy of email attached ) 9 ) On XX/XX/XXXX, I have a phone conversation with Mr. Cooper representative, when I inquired about the status of Mortgage Modification filed on XX/XX/XXXX and re-filed on XX/XX/XXXX She stated " Your application was denied on XX/XX/XXXX '' at which I replied " But I have not received any letter stating that '', She claim " oh yes a letter was sent '' ; my response was " I need a copy of that letter so I will be able to discussed with NJ Citizen Action Representative and make a decision as of how to proceed ''. 
10 ) On XX/XX/XXXX I received a letter from Mr. Cooper, DENYING the Mortgage Modification application with a PRE-DATED DATE OF XX/XX/XXXX and the reason for denial is " LOAN PREVIOUSLY MODIFIED ''. ( See attached ). 
11 ) This denial is a violation of my rights for two reasons. a ) Mr. Cooper did not informed me on a timely manner of their denial, they pre-dated a letter ; after using a very informal way of doing business ( a verbal notice via their representative ). 
b ) Their have not been a LOAN PREVIOUSLY MODIFIED. It was a Trial Period which I complied 100 % on. 
12 ) Mr. Cooper need to explain how monies paid to them are used in detail and stop their practice of responding only verbally to a serious legal matters.

The people involved in this matter are Myself, Mr.Cooper a/k/a Nation Star and NJ Citizen Action.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

I have issues with Chase dating back for a couple years now regarding NSF fees. I do take accountability for my part of negligence of having allowed my transactions in the past exceed my available balance. However, in the past I have placed countless calls to Chase customer service seeking forgiveness and have the fees refunded to me. In some cases I was successful in getting a couple refund and in most cases, was unsuccessful. After having spoken to many agents, I believe there is a shady practice where they are not doing whats right by the customer. In my calls, it was clear I was distraught over the fees and struggling. Many times the agents wouldnsee that I have called in the past about this issue and that I was struggling. At no point did any agent proactively offer a solution that would have prevented this a long time ago, even when I asked for solutions. Come XX/XX/2018 - finally, one agent proactively offered that they could turn off the Debit Card Protection that would prevent one time transactions. Wish agents would have mentioned this a long time ago because in the last 2 years I have been charged nearly {$1000.00} in NSF fees. Again, I take responsibility on my part for not being filligient and looking at my debit card account multiple times a day. However, It appears to me that the leaders of call strategy train their agents not to proactively offer this as a solution so that consumers could potentially go over their balance, thus resulting in NSF fees so that they can collect more money. I think this is a very shady tactic and only benefits the greed of Chase and not provide viable solutions to their consumers for a better experience. Please investigate..
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SYNCHRONY FINANCIAL (NY)

Sir or Madam, I am writing to obtain a Loan Release Letter from SYNCHRONY Financial, headquartered in XXXX. Loan has long been paid off, I do not have loan no. but my Social is XXXX, Vehicle in question is a XXXX XXXX motor scooter : VIN. No. XXXX vehicle was purchased from a XXXX dealer in XXXX XXXX. I am registering a complaint against Synchrony Financial, after several attempts to get them to at least acknowledge that they are at least working on my request. I am in urgent need for this lean release letter, ( I understand these things can take some time ) but at least acknowledge my request and confirm that you ( Synchrony ) are working win it. Respectfully, XXXX XXXX XXXX