davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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)

These account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within 15 days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

When I applied for the mortgage deferment, it was not explained to me that the Escrow would not also be out at the end of my Mortgage. Now that I have resumed paying my mortgage the payment has increased. When I complained to Chase, what they offered was not in my best interest. I can not refinance, because i have to wait 4 months, which they don't tell you. When coming off deferment you are punished. Chase does another escrow analysis and withholds 2 payments, which does not include taxes, and none of this is explained drying the process. I was told that ***everything*** would be deferred to the end of the loan. If I couldn't pay my mortgage, how in the world does Chase bank think a person can come up with the escrow shortage?? I was not aware of any of this and now the new payment is causing a hardship.
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (IL)

I cosign for someone on a car loan about 3 years ago. The borrower is allegedly trying to refince the car loan but the borrower haven't completed the process. I would like to be release as the co signer of the car loan, especially since the borrower has made ontime payments for the last two years. What could I do in this situation?
Consumer complaint received 2019-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX   Account # XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX  Account : # XXXX Amount : {$2200.00}
Consumer complaint received 2017-05-27
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: CREDIT ACCEPTANCE CORPORATION (IL)

I opened an account with Credit Acceptance Corporation in  XXXX . A car loan. I made monthly payments on time every month until the loan was paid in full. For some reason,  Credit Acceptance  is reporting I made  1  late payment  XXXX . This is incorrect. I made payments on time every month. I then traded the car in, in  XXXX  of  XXXX . I do n't understand how they are reporting that the last payment that was made was a late payment.     It is not fair that I pay all my bills on time and  Credit Acceptance  gets to report a delusional late payment. I have disputed this problem and nothing has changed. This late payment is being reported incorrectly. I WAS NEVER LATE.
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Consumers Inc (MD)

I was taken by ambulance to the emergency room at XXXX XXXX hospital in XX/XX/XXXX with XXXX   XXXX XXXX from a XXXX to do my XXXX XXXX. I was sent directly to the XXXX XXXX. the dr. claiming this bill / never sent me a bill to my address until XX/XX/XXXX claiming it was still owed. all bills were sent to the XXXX XXXX va. billing dept. with a pre approved authorization # and all drs. agreed to be paided by the va. its not my fault XXXX. XXXX XXXX did not submit his billing in a timely matter to his agreement to be paid by the va. since I am a XXXX vet with a hardship below the poverty statis. and I made clear to all drs. who treated me that I could not pay these bills and I even asked to be transferred to the va.to see my own drs. and they told me the va. agreed I should not be moved. this is an ongoing habit at XXXX XXXX hospital of not hearing what the patience is saying to them and XXXX. XXXX XXXX put this bill against my credit report without notifing me first in fact its been on my credit report for some time now. I was also contacted by the billing dept at XXXX XXXX and they said I fell under the hardship forgivness program. if you can help me with this complaint im complaining about. XXXX XXXX XXXX phone # XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2021-02-16
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. (IL)

I had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.
Consumer complaint received 2019-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MO)

On the morning of XXXX XXXX, 2019, I initiated a money transfer to a friend in XXXX, XXXX, named XXXX XXXX. Despite having made transfers to Ms. XXXX multiple times in the past, I was told the company needed to review this transfer. An agent called me after several minutes to ask for information. When he asked for the receiver 's name, I gave it to him. He asked me to repeat it and I asked him to clarify which part he had not heard. He would not do so, and became rude on the phone. I asked to speak to his supervisor. He refused. 

To make a long story short, I had to make three phone calls to find out what was happening with this money transfer. I was cut off once -- call dropped. Eventually I spoke to an agent named XXXX, who was helpful and told me that the transfer was canceled for " business reasons. '' I asked what that meant, he said it had something to do with the compliance department but he could not be more specific. I asked to speak to someone in that department. He said he was unable to connect me because they did not have the phone number of that department. 

There should be no reason that this transfer was questioned, much less cancelled, since it was identical to transfers I have made in the past. There is absolutely no reason Western Union can not  provide a specific reason for the cancellation. And there is no reason why I, as an ongoing customer for this company, should be subjected to such miserable customer service, the agent named XXXX excepted. 

I also tried to initiate an online chat with an agent but was told that the chat function was unavailable -- immediately after being connected with an agent. 

Here are some relevant details : - WU tracking number -- XXXX - Amount : {$100.00} - Fee : {$12.00} - Time I have spent trying to clarify and register a complaint : over XXXX hour. 
- Phone calls made by me : 3 - Chats initiated by me : 1 - Phone calls dropped by WU : 1 - Detailed explanations given by WU : None
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Business and Consumer Solutions. (FL)

In XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX stating I owed them {$1700.00}. I sent a letter on XX/XX/XXXX asking them to validate this debt. I did not hear back from them. In XXXX of XXXX I received a similar letter from a different company FBCS , Inc stating I owe them the same amount of {$1700.00}. I sent them a letter on XX/XX/XXXX asking for the same validation. I also received a copy of a paper that appeared to be order for judgement from XX/XX/XXXX, from a completely different company XXXX XXXX XXXX  XXXXXXXX XXXX. The paper did not have a court seal, docket stamp, file number, case number, official letter head or anything official from a court of law. 

I found it to be suspicious, so I contacted the state 's district court where this paperwork supposedly came from immediately. I gave them all the information I had and was told there is no judgement on file against me. The paperwork I was sent is fake. My information can be searched in any court and there will be nothing on file against me stating I owe this debt. Afterwords I sent a second letter stating all the facts. I do not owe this debt, I've never heard of their company and I do not owe them. There is no court judgement against me. I received a letter stating this account will be put on hold in their office, dated XX/XX/XXXX. 

Today XX/XX/XXXX I receive a call from someone at FBCS , Inc on a recorded line stating that I owe over {$5000.00} and if I didn't pay, they know where I worked and would have my wages garnished and have their lawyer come after me. The lady on the phone scared me so I feel compelled to report them. I'm sending them another letter as well an contacting the credit bureaus.
Consumer complaint received 2019-04-23
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. (HI)

I have a credit card with XXXX/XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX/XXXX XXXX  XXXX with no successful resolution. Experian only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-06-24
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. (GA)

To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!! 

Account Name : XXXX Account XXXX : XXXX According to the FCRA
Consumer complaint received 2018-10-03
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. (NY)

Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX  and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  what are these accounts. please help me this is ruining my life please.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I received an alert from my identity theft protection company that I had opened a new line of credit on XX/XX/XXXX. I called Equifax to determine who had opened this line of credit and obtain contact information for the creditor since Equifax had not provided this information in the report. They proceeded to ask me ridiculously obscure information about things in the past that no person would ever remember ( the monthly payment of student loans which had been paid off in full over 2 years ago before I ever paid a single monthly payment ). I am now concerned that Equifax has locked me out of my own credit and while allowing somebody else to open an account on my behalf.
Consumer complaint received 2019-06-24
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. (MD)

Between XX/XX/XXXX-XX/XX/2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

My complaint is the the debt collector keeps opening and then closing the account which continues to cause harm to my credit report. One month they will report the account as closed and then the next month they report it as open, this has gone on for several months and causes my score to drop everytime. This action is being taking without me doing anything on my end to trigger it. There are several reviews on XXXX from consumers complaining about the same thing. There is no reason why the account status should change from open to close from month to month.
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NV)

I was impacted on the last XXXX XXXX XXXX, called my auto company Ally Financial and worked out an agreement with them to avoid any negative impact to my credit file. Now looking at my credit file Ally marked me as a 30 day late. Please help
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I have a unverified account from MIDLAND FUNDING LLC. I have previously disputed this account several times as they have been illegally harassing me for many years at this point. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to immediately remove/delete this account from my credit report with ALL three credit bureaus and stop ALL contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST. This has been going on for far too long and has caused a multitude of stress for me and my family over the years. It needs to stop now!
Consumer complaint received 2019-06-24
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: EQUIFAX, INC. (NY)

I tried within my total capacity to have Equifax remove 5 of the 7 hard inquiries on my credit report of which I know for certain were unauthorized to no avail.I had no problems with the other 2 major credit bureaus dealing with this issue.I verified my identity and was polite to them the whole time and got no where. Please help me because without any federal intervention in this particular case, these crooks might just get away with not adhering to the Fair Credit Report Act. There is information on my report which is currently invalid and therefore should be removed by this enitity. Please help me. As a consumer in the United States, i feel helpless against these kinds of things happening from such powerful institutions such as Equifax. Only the government, i believe, can help me at this point. Thank you for considering this complaint.
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION (CA)

i was approved for a lonan of XXXX to pay my XXXX cell phone since i am one day behind, i was asked to sign the disclosures, download them, verify my bank account information using my login credentials and than i received this error message with this link : XXXX XXXX XXXX Than my page said securiy error possible network intrusion, than the page displayed an error message.
Consumer complaint received 2018-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The Bank of America has decided to close my account without giving me an appropriate response. I spoke to the Bank 's account closing department and they pointed to a customer agreement and they said they took a business decision to close the account and they are not required to provide any reason to me. 

I am operating this account as a joint holder along with my husband since XX/XX/1999. I have been the bank 's customer for over 20 years. I work with a reputed organization and earn annually $ XXXX. I also have a brokerage account with the bank 's brokerage arm ( XXXX XXXX ) with net funds invested over $ 300K. 

There was not a single incident of violation reported on my account from my side in last 20 years. I am a law-abiding permanent resident of the USA. Such an abrupt closing of my account without citing any reason makes me feel the bank has discriminated against me. 

Please look in to this as soon as possible. 

Thanks, XXXX XXXX
Consumer complaint received 2024-02-12
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX