davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. XXXX XXXX XXXX   received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, XXXX XXXX XXXX received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion refuses to update my address. I called them on the phone and I have mailed a copy of my current drivers license and they mail things to me at the correct address and yet they will not update it. Their demand for utilities or bank account is impossible, due to XXXX, I am XXXX and do not have a bank account. 


Also, they show a collection for XXXX XXXX that should be removed.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Asset Recovery Solutions, LLC (MI)

I am guessing that this account was given to Asset recovery solutions Inc, under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had XXXX and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WI)

In XXXX I had purchased a used vehicle from a place called XXXX in XXXX, wi. I called the loan company for XXXX, which is universal acceptance car. I kept with contact with the loan company, I was going through financial issues and so I called the loan advisor and had asked what I could do, The guy stated that if i voluntarily returned the vehical that it would not be put on my record and that my loan would disappear as paid. I took the car back in XXXX and gave it back, the lady working that day put it in as a voluntary return. A few weeks later XXXX had called me and told me that I would not be responsible for any more payments since they sold the vehicle. A month later the company went bankrupt and all accounts got closed. After they claimed bankruptcy I was then followed with a Claim of in which the XXXX was sold for. It was not my responsibility to pay for a vehicle for a price that it was sold for. 
Last year I had contacted XXXX XXXX to help me with this situation because it was all in accurate information put on my credit report, they then sold my account to a creditor in hope to claim money that I did not own for a vehicle they sold to someone else.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IA)

American Express is running a promotion wherein spending {$50.00} with the card at XXXX XXXX XXXX gets you a {$50.00} rebate. This promotion runs twice a year, XXXX and XXXX. I participated in the promotion in XXXX, however American Express is claiming they did not receive notice of my claiming the promotion until XXXX. Because of this, they are counting last year 's credit for this semester 's promotion and are refusing to honor my current rebate of {$50.00} which I actually incurred later in XXXX.
Consumer complaint received 2023-10-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION (FL)

On XX/XX/ I sent out registered notarized letters to M & T Bank to rescind all securities interest. Which M & T Bank declined my request on XX/XX/XXXX XXXX
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2019 I sent a dispute letter to dispute inaccuracies. It has been over 30 days and no reply from the credit bureaus. Credit bureaus are refusing to comply with the FCRA!
Consumer complaint received 2018-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ceannate (MI)

Made a payment of {$250.00} for the month this morning logged out with 1 confirmation number. That is 1 confirmation number. 

This evening get emailed that 2 payments of {$250.00} are coming out with 2 confirmation numbers. 

I have 1. 

I call they are taking {$500.00} out of my checking and my bank will do nothing to stop it either. 

When I said well it has not even started to clear yet cancel one of them oh we cant. Well I never NEVER authorized it so how can you even run it. 

They are taking {$250.00} and then another {$250.00}. I just had to put off paying other bills I was gon na pay until I am paid again in a few weeks over this now ... ..
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (IA)

I received a promotional flyer from Regions Financial Corporation in XX/XX/2021 stating I could open a new checking account and receive a {$500.00} bonus if I met the qualifying criteria, including a ) enrolling in online banking and b ) making 10 or more purchases with the account debit card, both within 30 days of account opening. 
I opened the account and then waited approximately 3 weeks to receive the debit card. From there I made 10 purchases, but the last 3 transactions were held in 'Pending ' status for a number of days, and only processed once the 30 day deadline was past. According to Regions this meant I did not meet the qualifying criteria and the bonus was denied. 

This feels intentionally unfair and deceptive - by not a ) providing the debit card in a timely fashion and b ) seemingly manipulating the processing date of transactions ( to Regions benefit ) it seems impossible to actually qualify for and receive the promised bonus. 

I made a complaint to Regions that this practice seemed purposefully unfair and deceptive and have received no response. I also closed my account to avoid receiving further fees associated with the product.
Consumer complaint received 2019-11-19
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: ONEMAIN FINANCE CORPORATION (TX)

I had issues in XXXX and XXXX making my payment with One Main Financial. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

I logged into my account today and Td Bank check out {$480.00} something about some old accounts that were charged off do you shouldnt be able to go in and take money out now I cant get cash or money or pay my electric bill no one is willing to help me I have {$35.00} left in my name now my current account that I have with them from which two years has been in good standing I stopped by branch office no one wanted to help me there just give me a number to call I called the number and no ones been able to do anything no one wont help me and no one will let me get my money back
Consumer complaint received 2023-03-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : 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 2019-01-29
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. (NY)

XXXX XXXX auto loan was discharge through my chapter XXXX bankruptcy, on my experian credit report it stills shows that its open, they have not updated the status its been four years now and the other two credit reporting agencies showing that this account is closed. Experian is still showing that its still opened.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have reported multiple inaccuracies on my credit report. Each time I have shown proof and it is claimed by Experian to be accurate however, after months the account still is reporting inaccurately on my credit report. There is numerous violations and this will be my last attempt before getting my consumer law attorney involved. The account in question is XXXX XXXX XXXX. Despite sending numerous letter for months showing flaws Experian claims they investigated even though no proof or changes has been made. It has been removed from all other credit bureaus and reports. I expect action to be taken against Experian for numerous Consumer report violations.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Hello. XX/XX/2018 my friend and I went to a bar/club in XXXX XXXX. My bill was around XXXX euro and with the tip the total that I signed for it was XXXX euro. The next morning I saw the charge. It was XXXX euro extra ... I called my bank Chase and the merchant. Chase credit my account the XXXX euro and a couple months later they charged my account the XXXX XXXX euro ... No one contact me to tell me that. I called Chase corporate and I talked to all the higher ups and I wasn't getting anywhere ... I went to my branch in XXXX XXXX XXXX XXXX and I requested to see the signature on the receipt. It's so clear that the signature that my bank has on record is different with the signature on a receipt they send ... from XXXX. The branch manager in XXXX XXXX in front of me told the manager at Chase claim department Corporate office that my signature wasn't on the receipt and that They should deposit the XXXX euro back to my account ... Chase told me to contact XXXX and XXXX was telling me that Chase bank is responsible for the fraud. My claim number at Chase is. XXXX. I have on my possession the signed receipt with the fraugally signature .... that Chase received from the merchant in XXXX ... My branchs phone number is XXXX. Thank you XXXX XXXX. My phone number is XXXX Please help me find justice and also protect other consumers from fraud especially when they travel. My email is ( best way to contact me ) XXXX XXXX
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC (GA)

I have received repeated calls and mail from D & A Services to collect an alleged debt from XXXX XXXX XXXXXXXX. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related XXXX XXXX XXXXXXXX documents to review the alleged debt that D & A Services is trying to collect. These actions are causing me severe mental distress. 

Previously to receiving communications from D & A Services, XXXX XXXX XXXXXXXX made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.
Consumer complaint received 2019-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (FL)

I am not the debtor my son is. But Ive received multiple calls asking me to give him a message. Ive requested that they take me off the list of reference and not call me again but received a call today XX/XX/19. My son said they havent even contacted him.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service (HI)

I was recently XXXX in a remote location where I had no access to the internet and was unable to make a payment. 

I reached out to the company and was provided an email and no other way to explain the situation. Since that time I have paid in full the credit card and have a XXXX balance.
Consumer complaint received 2023-08-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (GA)

I thought the debt was taken care of in bankruptcy 12 years ago they contacted me a couple of years ago I did not believe the debt they threatened to foreclose in XXXX I hired a attorney he was able to stop it then they have not called back we are unable to contact them I want to take care of this
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (WI)

I reached out to Alliance Collection Agencies by mail asking them to verify a debt that was reported on my credit report. They have yet to validate the debt properly, with competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The amount of the debt is XXXX I sent them letters on XX/XX/2019 and on XX/XX/2019 asking them to send me documents bearing my signature. they haven't verified the debt properly. The Fair Debt Collection Practices Act states if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-08-18
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. (MO)

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 states a consumer reporting agency can not furnish without my written consent 15 usc 1681 investigation ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX finance # XXXX
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc. (MI)

I sent a certificated letter XX/XX/2019 to All-State Credit Bureau XXXX Inc informing them that a debt on my credit report did not belong to me. Im addition, I ask them to provide me with the documentation that was used to verify this debt or remove the debt from my credit report. However, I received insufficient documentation dated for XX/XX/2019. They sent a lease agreement with someone else signature.