davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

On Sat XX/XX/XXXX, I attempted to use my Chase Visa # XXXX At XXXX XXXX & was very surprised to learn I only had a few hundred $ available. I then used my ATM, & when I left XXXX XXXX, I called CHASE VISA & per XXXX at Chase card services - on my account # XXXX my payment of {$5500.00} ( that I made Electronically from my checking account on XX/XX/XXXX ) did not come in until XX/XX/XXXX, was not posted until XX/XX/XXXX, and then was reversed stop payment XX/XX/XXXX! XXXX supervisor, XXXX, refused to take my call because we do not honor the stop payment The payment teams dont handle this type of concern per XXXX. ******** After worrying all weekend, I attempted to follow up with this problem with Chase fraud recovery investigation, on Monday XX/XX/XXXX, XXXX XXXX ( see attached ) XXXX I only got VM- I was referred to XXXX XXXX XXXX. 
XXXX Was FAR less than pleasant OR PROFESSIONAL saying WHOA!! That sounds like a real mess!!!! You owe {$29000.00} too!!!!! Yelling at me. My response was, no I dont. And I hung up on XXXX. 
I then sent an email to XXXX XXXX at the XXXX Ca XXXX Branch & with her investigation, she believes that a {$5500.00} payment was made twice to CHASE VISA # XXXX. Thus, I called CHASE VISA back this morning, initially spoke with XXXX & eventually a supervisor again ( XXXX who apologized for the inconvenience ) & I explained to XXXX That we have gone far beyond INCONVENIENCE!!! That ALL that ANYONE had to do for me on Saturday XX/XX/XXXX, had to do was LOOK AT MY TRANSACTIONS & they would have SEEN WHAT HAPPENED instead of causing me so much anguish, anger & worry!!!!! I do not understand why CHASE BANK IS INTENTIONALLY TRYING TO RUIN MY PSYCHE & my LIFE!!!!
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (WI)

TodayXX/XX/2018 I called Discover since I have a discover card about why I couldn't take out some money out of my account, they come to tell me without even telling me or notifying me that they closed my account today. Right now I have someone I know well helping me pay for my card and he made a payment of XXXX XXXX twice and Discover rejected both payments. Now this is a bit too much for me, esp closing my account without letting me know.
Consumer complaint received 2022-07-09
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC (CA)

This complaint is against Planet Home Lending. We took a forbearance in XXXX for our mortgage. They accepted our forbearance but marked our credit reports as late throughout the entire time of the forbearance. I inquired about this and was told that we were not current in our mortgage payment in XX/XX/XXXX due to a returned check. We weren't current but they still took us for forbearance. I also was told that when we did the Loan Modification in XXXX of XXXX we had not brought the payment of {$1100.00} current so the late payments had to remain. 

My husbandXX/XX/XXXXduring the covid pandemic, and that was XX/XX/XXXX. I didn't realize we had a returned check until months later. I thought that since they accepted us for forbearance we were current and in good standing. 

We made the payment of {$1100.00} to make up for the XXXX late payment in XXXX of XXXX. Planet Home didn't acknowledge that we made that payment and indicated in a letter to me that we were behind in our payment of {$1100.00} at the time of the Loan Modification which isn't true. I have spoken with representatives at Planet Home Mortgage about them saying we didn't make up that payment when we did and was told it didn't matter. 

Planet Home Lending knowingly granted a forbearance to us when they knew we were not current on our mortgage it appears to me. 

It was several months of getting my husband back healthy after hisXX/XX/XXXXand XX/XX/XXXXXXXX. I can document all of this if needed. 

So in short, Planet Home Lending granted forbearance knowing we were late in XXXX with a returned check. When I inquired about the late on the credit reports I was told we had not made up the late for XX/XX/XXXX of {$1100.00} BEFORE the loan modification of XX/XX/XXXX. That is not correct. That late was made up in XX/XX/XXXX. 



Thank you.
Consumer complaint received 2018-08-27
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: EQUIFAX, INC. (WA)

My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello. My card ends in XXXX. The account was closed bc of a fraud alert by my three major reporting agencies. This was a secured credit card which was funded directly as an ACH transfer of funds ( XXXX  ) Ive never used the card and it has a XXXX   balance. I was never notified that the account was close and it was embarrassing to experience a decline. I called and spoke with a senior manager of escalations within the fraud department named XXXX. employee id XXXX the call took place on XX/XX/18 around XXXX EST. She wasnt able to let me know when the refund would occur or what process it was going to occur. Im extremely dis satisfied with the outcome of this company and promise to never continue doing business with your brand again! You could have just asked for verification of my identity if there was an issue.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PMAB,LLC (NC)

XXXX XXXX XXXX hospital and XXXX XXXX didn't fill out the paperwork for the insurance correct I have been XXXX  10 years and have Medicaid and Medicare and Medicaid I don't owe anything for the bills
Consumer complaint received 2022-07-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-25
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. (PA)

After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
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. 
XXXXXXXX XXXX XXXX 
XXXX. XXXX. XXXX
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NC)

I own shares of XXXX XXXX ( originally XXXX de XXXX I originally had bought back in 1987 through my XXXX XXXX XXXX account. I have never held personally any stock certificates, as they have always been held in my Brokerage accounts at XXXX ( acquired by XXXX XXXX XXXX XXXX ) . My stock holdings have always been held electronically in my account -- no certificates. Recently, I received a notice that XXXX XXXX was consolidating different classes of stock into a single class. Essentially, this was accomplished by electronically removing one name on my Brokerage statement and inserting the new name -- nothing more. No forms to process, no certificates to cancel and reissue, just electronically remove one name/description and insert the new name/description in my XXXX XXXX account. For this electronic transaction, I was charged two fees of {$2300.00} each or a total fee by Citibank of {$4600.00}!! Those charges threw my account into a debit balance for which I will also be charged an as yet undetermined amount of interest by XXXX XXXX. If you think overdraft or bounced check fees are improper, how about having this outrageous cost to change a name electronically on my statement, a decision I had no choice in making. I want all fees and interest charges refunded into my XXXX XXXXXXXX brokerage  account.
Consumer complaint received 2024-03-02
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-03-24
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: SUNRISE CREDIT SERVICES, INC (SC)

XXXX XXXX XX/XX/XXXX XXXX {$69.00} XXXX  XX/XX/XXXX XXXX {$240.00} 15usc1681 section 602a right to privacy 15usc1681 section 604a section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15usc1681ca5 states no consumer reporting agency containing any of the following items of information any other adverse items of information other then records or convictions of crimes with attendants the report by more then 7 years 15usc1681s2a1 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 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC. (FL)

n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C1681 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
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (MD)

The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

I noticed 2 collection accounts from the same collector on my credit report ( {$95.00} and {$88.00} ), Since I never received a notification of these debts I searched the collection agency on internet and called. During the first call to the collection agency -XX/XX/2019- I was informed that the collector had 5 accounts under my name and social security number, with a total of {$300.00}. I asked for a full itemized statement since I never see the original invoices for these 5 accounts, the collector agreed so send the a full itemize statement. After several weeks waiting for the statements, I called the collector one more time -XX/XX/2019-, they claim they sent the itemized statements, but I never received it so I requested for second time, the collector told me the itemized statements can take 2 weeks to send ; since the hospital have search the files and later sent to the collector, that is a red flag because the collector don't know what exactly they are collecting, they don't have the invoices to collect. I haven't received the statements yet.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

Citi Bank website said they will pay {$300.00} bonus when we open new savings account and deplosit XXXX funds. After 90 days, I will get bonus. It's been almost 4-5 months but I didnt get any money. When I made few calls to them they kept transferring calls here and there and ask me promotional code. 

I did some online research and found since the offer is for everyone their system generate random promo code for every application in backend and assigns it that customer does not know when they open account online. Customer service hangs up the calls, shows attitude, waste times, put you on hold for long time. No luck. 

Saving account number XXXX You may contact me at XXXX XXXX
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX show me late on credit report was not late it on XXXX XXXX XXXX the late need be remove thank you
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I paid off the rest of my student loan and then went to cancel my auto debit payments, got an email on XX/XX/XXXX that the auto debit was cancelled, the terms of the autodebit with nelnet state cancellation requests will be honored 3 business days before the payment date, but then on XX/XX/XXXX, they still auto debited my account {$300.00} and are saying a refund will take 4 to 6 weeks since it's a Dept of Ed loan and the payment went to the Dept of Treasury.
Consumer complaint received 2022-07-25
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have two collections from XXXX on my credit report that I am not familiar with, I have disputed these collections multiple times asking for verification from the credit bureaus and they have failed to verify these accounts. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IN)

To whom it may concern, My loan was modified permanently on XX/XX/XXXX, after I made 3 consecutive trial payments.

Im filing a complaint against Ocwen for Misreporting and negatively impacting my 3 major credit bureau records. On XX/XX/XXXX, we were told by Ocwen agent XXXX  ID # XXXX, that the account had started to report current as of XX/XX/XXXX. However after printing a portion of my credit report which best reflects Ocwens reports, clearly show that the account is and has been reporting as over 190 days + late since XX/XX/XXXX.

We are seeking for this matter to be immediately researched and for corrections to be sent to all 3 major credit reporting bureaus : XXXX : XXXX XXXX XXXX XXXX, GA XXXX   XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX PA XXXX Regards, XXXX XXXX