davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

I am writing this letter to report that my former bank, Chase Bank refused to investigate the evidence / supporting documents I have about a transaction that shouldnt have been applied to my account. Chase reported me to credit Bureaus as delinquent. 
Here are the facts : On XX/XX/2020, I booked a flight from Washington, DC XXXX ( XXXX ) to XXXX, XXXX ( XXXX ). The flight was scheduled for XX/XX/2020. I paid for my flight ticket using Chase Credit Card the amount of {$700.00} on XXXX XXXX On XX/XX/XXXX, due to the corona virus pandemic, the XXXX XXXX published a list of countries that are not allowed to visit XXXX and USA was one of them. Americans were banned from travelling to XXXX. 
The travel agency and the airlines both absolutely refused to refund my ticket, even though it was completely useless! 
While I was stranded overseas, I contacted Chase twice via online banking to dispute the transaction. 
I contacted Chase Bank to file the dispute via the online platform they set up for this reason. The was a limited number of spaces to explain my concern. There was no way to upload any documents and the only other way to contact Chase was to sending them a fax or give them a phone call while I was stranded overseas with limited access to technology. I left messages on the Chase bank platform and requested an email address where I could contact them. I also requested to have the result of their dispute sent to my email because I did not have a physical address in USA at the time. I was overseas for 7 months. 
Chase ignored my requests repeatedly. I managed to make an overseas phone call and contact the bank ; however, they keep ignoring my request and saying that my documentation had not been sent. ( Please see attached copy of the documents that I have ). 
While I was overseas trying to contact Chase regarding the dispute I had filed, Chase was trying to contact me regarding payment. There should not have been a payment, this charge should never have been processed. 
One month ago, when I came back to USA I went to a Chase Bank branch and they called the credit card branch. I was told that they can not open this dispute again because its too late! Basically, the information I have provided has been ignored. 
I am still disputing this transaction and therefore I am asking that any item or information reported by Chase Bank to Credit Bureaus be removed from my account until true diligence can be performed.
Consumer complaint received 2018-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (NY)

I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an collection from XXXX XXXX had been put on my credit report with a pass due amount {$1300.00}. i reached out to the XXXX XXXX via certified mail about debt owed and got no response.
Consumer complaint received 2018-04-09
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: Experian Information Solutions Inc. (TX)

The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to me.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

I've attempted to contact my mortgage company Shellpoint A division of NewRez for the last 6 months using the phone number provided to me by them, XXXX but it automatically disconnect me every time i've attempted to call them. it wasn't until I got the foreclosure notice that I was able to contact my original lender with their listed company name. XXXX XXXX XXXX which I was able to reach an agent of that company who themselves told me that the number provided by ShellPoint wasn't the correct number to contact them. The XXXX agent then provided me with the correct number to reach shell point at : XXXX and XXXX. I tried submitting an inquiry on their website about the correct contact information aswell but their website gave me a scripting error. When I finally spoke with an agent at shellpoint a division of newrez they told me I could contact them through the exact same number that automatically disconnects every time I called, and to make sure it wasn't just my phone service i've tried at least 5 other phones borrowed from friends and family, both mobile phones and land lines. They denied that the phone number doesn't work, so i requested a script of the recorded call. I gave them all of my updated contact information for their records which you can get from them as my phone number has changed.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX has on my Transunion report File # XXXX Date XX/XX/2021 I did not sign or agree to no hard credit been ran by XXXX XXXX XXXX XXXX XXXX XXXX needs to provide my signature in regards to this matter as fraud by XXXX XXXX  Violates Federal Fair Credit Reporting Act or FRCA There needs to be proof showed by XXXX XXXX of this transaction by document not verbal is not legal. I have also filed with US Attorney office as DOJ on consumer complaints to this matter as Fraud on XXXX XXXX XXXX and Transunion
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

To whom it concerns : Ref : Account # XXXX have a major concern because I paid off my acct on XX/XX/2019 I then called to close my account on XX/XX/2019. Barclays rep then told me that my account was at a zero balance and closed. as of XX/XX/2019 i never received anymore statements until the day i called on XX/XX/19 LATER the credit agencies alerted me that i was past due 60 days. i then called and i was told that an investigation would be formed in order to see if Barclay rep mislead me, i was glad that someone was going to look into this huge mistake in order to fix my credit bureau that has taken XXXX decades to perfect. I called again to make sure that this investigation would indeed occur then received a call from Supervisor ( # LASEM ) she had me on the phone for over an hour informing me that no investigation would occur and that i had to right this letter. ( # LASEM ) offered no help with my situation appears that this was done in spite of me paying my account. i have been a great customer to barclays and i sincerely beleive that this is a violation of .The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2019-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

Unbeknownst to me, my wife bought a truck at a used car dealer 's tent sale and when she brought it home I questioned her actions and made her understand that she could not afford the truck or the loan payments. She is a XXXX elderly person with a multitude of ailments and takes an incredible amount of prescription medications which renders her XXXX  XXXX quite XXXX. 
I do not understand how she could get a loan of this magnitude when her only income is {$1000.00} a month and the monthly payments would be {$630.00}. 
We went back to the dealer and I asked them to take the truck back and cancel the contract. The tent manager told me " She owns the truck - deal with the bank '' I contacted a local branch of the bank and they told me there as nothing they could do, if there was an alternative she could do a voluntary repossession. The legal consequences of this are quite disturbing. 
I believe this contract is voidable as she did not have the XXXX XXXX to understand what was involved here.
Consumer complaint received 2020-12-16
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: ALLY FINANCIAL INC. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019,XX/XX/XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-06
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. (IL)

victim of identity theft and fraud and demand these accounts to be removed from my credit today. 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
Consumer complaint received 2019-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This involves Transunion credit reporting again. I have had issues with them on at least two other times mixing up my credit report information with another person 's information. 

I was applying for a new job on XX/XX/XXXX and I was unable to unlock my frozen credit report on Transunion because my identifying information did not match. I called them up on XX/XX/XXXX and they told me I have an error on my credit report record once again a mixed file error. This is now the third time this has happened. Same problem. I called them twice already to fix it and it seems to keep happening they can not seem to fix the problem. How did my credit report get changed at all when I had a credit report freeze on it? 

I would like for this to be investigated and for Transunion to finally figure out how to fix this problem once and for all so it does not happend again. I have no confidence in Transunion 's ability to fix problems at this point. Three times is way too much for a probem to happen with Transunion.
Consumer complaint received 2019-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (TN)

This initially began in XXXX and XXXX when the XXXX, TN Republic Finance employees ( XXXX and XXXX ) would repeatedly call me as soon as my payment was 5 days past due ( after the company grace period ) but I could not give them an exact date on which I would be able to make my payment. If I was unable to answer the call because I was working, they would call all of my references ( even though I was only a few days late ). They would often speak rudely to me and talk over me. I finally filed a complaint with Republic 's customer service department. I spoke with XXXX on XX/XX/19, who said that she would reach out to the Regional Vice President regarding my issue. I received a letter a few days later from XXXX XXXX stating that the representatives would no longer be able to phone me. I began making my payments online so that I did not have to interact with the rude employees. On XX/XX/2019, I made my payment online at about XXXX XXXX. Shortly thereafter, I was on the telephone with my husband ( one of my references ) when he received a call from XXXX stating that if I did not call him in the next five minutes he would flag my payment as late. I called XXXX, feeling threatened, and told him that I was returning his call. He immediately began to be rude to me and told me that because I made my payment online at the end of the month rather than calling the store to make my payment that it was going to be considered late. He said that they tell customers that the payment must be made by 3 to considered the same day. I told him that as many times as they have called me no one ever told me that. I tried to ask XXXX if my payment was definitely going to be considered as late because that was not what was said to my husband. He refused to answer my question but instead continued to chastise me for not calling the store. I became very frustrated with how he was talking to me and by him not simply answering my question so that we could end the phone call and explained to him that that ( the way he was speaking to me ) is why I do not like to call. 

I have tried to work with the employees at Republic Finance yet they refuse to be polite and work with me. I understand and honor my responsibility to the best of my ability. I am a hardworking bill paying adult who does not deserve to be treated ( abused & harassed ) the way XXXX and XXXX have treated me.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX. I made multiple payment to my Mastercard credit card owned by XXXX XXXX on XX/XX/18 for {$400.00}. And on XX/XX/18 paid another one for {$100.00}, on XX/XX/18 made a {$450.00} payment. The money was taken from my checking account and was posted on my Mastercard account permanently. It was posted that I have available credit of a {$1400.00}. When I went grocery shopping on XX/XX/18 for {$97.00} the Mastercard was declined. I called comenity bank to see what is going on. A representative answered me that my account was blocked because you made a multiple payment and it will take a 7 business days to be unlocked. I explained to her but the money was cleared. Was taking aout of my checking account and was posted in my Mastercard as cleared. She said sorry can't help you more. I requested to talk to a comenity bank supervisor or a manager then the representative put me on hold for 30 minutes and no one picked up again.
Consumer complaint received 2023-06-12
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. (OH)

XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX and multiple other XXXX accounts 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. 

I have tried numerous times to resolve this issue to no avail. XXXX has violated FCRA regulations
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (TX)

We where given 2 financial deferments in a course of one year we called in asking for assistants and was given a deferment for XXXX and XX/XX/2019 these payments where to be put on the back end of the loan went to the bank in XXXX TX to make a payment after the deferment and was told that the account was behind by 2 months and we would have to call into the collections department XXXX when calling the number you are on hold for 45 min to and to an hour to speak with some one there phone drops or a busy signal  recording this is against FCC rules and regulations, I should have a number that is properly working to be able to speak to some one about my loan. After 29 calls I spoke to a representative in collecting department of BBVD COMPASS I was then  granted another deferment for XXXX and XX/XX/2019 because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. The following month we attempted to make a payment at the BBVA Compass in XXXX TX and was told we where more than 3 months in the rear and owed over {$1800.00} plus fees and that the deferments was not honored, we never received a call or letter we kept trying to make payment at the bank the {$1800.00} then told they can not accept the payment need to call Collections department so we XXXX XXXX over {$1600.00} they put it on hold department then was told to send in another {$260.00} sent in {$600.00} XXXX XXXX they put that on hold no money was applied to this account Called the bank again and was told owed {$2400.00} and the last and final attempt was to have it refinanced so the new company called but BBVA Compass and they charged off loan XXXX we made over 79 attempts to resolve this issue We made a call to the corporate office and spoke to some with Mr XXXX he advised the loan was under review and ask how much did we have to get the XXXX Truck back a little confused we still have our truck So we decided to file several complaints an seek an attorney we have place this information on social media looking for other to start a class action lawsuit my credit have been ruined by BBVD Compass sense XX/XX/2019 and now the loan is charged off according to our records we had a 3 month deferment plus the payments we paid and the money they held
Consumer complaint received 2021-03-31
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. (TX)

XXXX XXXX has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.
Consumer complaint received 2019-10-01
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. (SC)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX credit made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.
Consumer complaint received 2021-02-10
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. (FL)

I just check my credit and I notice that there are some accounts on my credit that I did not authorize bringing me to file this report because I'm a victim of identity theft these accounts should not be on my credit report cause potential harm to my credit score or jeopardizing future financial obligations I wish to seek for myself in the near future.