davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NV)

I have had 2 credit cards with Chase Bank for the past 7+ years, of which I have never been late and often paid extra. I also have 2 checking accounts with Chase as well. I received a letter in the mail that my credit limit was being decreased. Due to too many inquiries on my account ( I am in the middle of purchasing a home ), and too many times not paying above what my minimum is due. Both of my credit card limits were decreased with Chase causing my credit score to drop 40 basis points. My credit score was in the XXXX range and is now below XXXX. I was in the process of a mortgage loan and was unable to obtain my mortgage due to this point decrease. 

I did contact Chase and asked them if there was anything they could do to help me. The gentleman I spoke with told me that in order to increase my credit limit back to where it was they would need to do a hard pull of my credit. This hard pull would once again lower my credit score even more. I explained to him that I have been a good loyal customer to Chase for the past 7 years, paying on time, etc.. As of this date, Chase has not offered any sort of recourse and my credit score still remains 40 basis points lower. There is no real explanation as to why my credit limits decreased, I have had credit cards for over 20 years and have never been treated like this before.
Consumer complaint received 2020-09-01
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute PXXXX XXXX/XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXXAccount Name XXXX   XXXX  XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine
Consumer complaint received 2020-05-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (CA)

In XX/XX/2019 I noticed that they increased my interest rate to 5.25 % and then in XXXX it was increased to 5.65 % I contacted the company I called them regarding the interest rate on my reverse mortgage. The increase rate has increased quarterly, while the interest rate at other banks have dropped. I also took out money from the loan and I was told that an interest rate would not apply to that amount. In reality, American Advisors Group applies a high interest rate on this amount each time I withdraw from the reserve.
Consumer complaint received 2020-05-04
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. (MD)

My original lender was XXXX XXXX up until XX/XX/XXXX XXXX is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them
Consumer complaint received 2023-01-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/. The tax lien was filed on XX/XX/. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a " third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MD)

This account is being re-aged. My credit card account has reported multiple chargeoffs.This item is being reported inaccuratley and not congruent on your credit. Because of this negative reporting, the creditor is attempting to increase credit damage, and coerce payment by making the debt appear newer in age. This is a clear violation and this is hindering my ability to borrow. The " date of last payment '' and " date last active '' are all reporting different dates on all 3 credit bureaus. ( see attached ) Please delete this from my credit report.
Consumer complaint received 2020-09-02
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. (CT)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Consumer complaint received 2023-01-31
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. (FL)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (MD)

My original lender was XXXX XXXX up until XX/XX/XXXX bsi is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them
Consumer complaint received 2023-01-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

On XXXX XXXX 2023 I sent a dispute letter to CREDIT COLLECTION SERVICES, asking for them to show evidence of my signatures that I indeed owed them money and if not then immediately removed this debt. I have not heard anything from this company, so they have ignored my letter sent certified mail. 

Not only do I have aright to a fair and accurate report they have violated 15 USC 1681 Also violated 15 USC 6802 and 6801
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I contacted consumer in regards to my past due account amount on XX/XX/2023. The first agent that I spoke with informed me that the account had been transferred to a third party and provide third party contact information. I contacted the third party who than stated that my account was not visible in their system as of XX/XX/2023. I than processed to contact the consumer back and spoke with an agent by the name of XXXX  who stated that no settlement can be made on the account at this time. I asked to speak with a supervisor, XXXX  was the supervisor I spoke with on my account. I asked her about a settlement as well and she stated that no settlement could not be made on the account at this time. I asked her is their a reason stated in their system as to why no settlement can be accepted on the account, she was unable to find a reason. XXXX  placed a ticket to investigate the account more. The ticket # that was provided to me by XXXX  was XXXX. XXXX stated that a communication will be sent to me once the investigation has been completed. I am trying to get this account resolved and removed from my account. Please Inform with more information.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

This complaint about XXXX cobranded credit card issued by XXXX XXXX. The payment is due by XXXX XXXX EST on the due date and there is no way to pay before XXXX and NOT incur a late fee. General practices for financial institutions is to effective date payments received after the cutoff time to the benefit of the customer. But this bank does not do it.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

I purchased a home XX/XX/XXXX with Guaranteed Rate. The previous owner is a 10 % XXXX vet and is exempt from paying property taxes. At the time of my closing ( late XX/XX/XXXX ) I did a simultaneous closing on my departing primary home. Due to the seller being exempt title was unable to prorate my taxes. Since I was receiving a large amount of money back from the sale of my home I was fine with them collecting the full amount of taxes on my new home since we pay taxes in XXXX and escrow analysis are typically done in the spring. When guaranteed rate called in XXXX they were told no taxes were due on my property. There wasnt enough time I am guessing for the recording to happen as tax bills go out XXXX XXXX XXXX. I wasnt aware they didnt pay my taxes until XXXX XXXX when I received a letter threatening to place a lien XXXX my home for unpaid taxes to XXXX and XXXX XXXX XXXX I DID elect for escrows and I verified on my closing disclosure they collected for both XXXX  and taxes. When I called guaranteed rate they investigated and simply sent me a letter. Stating they paid it for me as a forced place bill which caused a massive shortage in my escrow and charged me all the fees they billed including collections and late dues. They had the money to pay please ask for my XXXX. They owe me those fees I was charged. Ive asked multiple times for someone to look into it and no one responds. I refinanced within the year due to repetitive deceptive practices on their end from day XXXX.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (LA)

I made a purchase via my paypal account ( XX/XX/21 ) via an unknown merchant for cloth masks. Upon the merchant routing me to my paypal account I was offered to have payment from debit card ending in XXXX On XX/XX/21 checked my email and discovered that my XXXX XXXX XXXX account was charged an overdraft and upon review of my account, it was paypal. I immediately contacted paypal and while waiting for an agent, tried to inform them online that the paypal check out made a mistake. I spoke with an agent and he stated that he started a claim and gave me a {$20.00} credit for my inconvenience. Next day, I discovered that the merchant was contacted and was asked to " return '' the funds. I called paypal to inquire as to " why '' was the merchant involved in this matter when it still had the funds on the card ending in XXXX The agent stated that the only way they could get the funds back to my checking account was to get from merchant and then pay him from the debit card on file. I spoke with another agent yesterday XX/XX/21 and was told that the merchant would not be paid from the card. i informed all reps from paypal that the situtation was not the merchant or my fault but paypal 's and they should " own '' it!
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

onemain I'm filing a complaint on your company for violations Of the FCRA AND THE FDCPA I was viewing my credit report and I noticed some violation reporting on my credit report I have disputed this account with all three credit bureaus and they states that you verified the account But as I review the report from your company I noticed that you didn't enter dispute marks that consumer disputes with out that Information the account can not report fcra 623 you could be fined {$1000.00} per account. So please delete this account from my credit file. violation number two the account is a charge off you are still showing late payments on a charged off account there should be no late payment reporting you could be sued for {$1000.00} for each violation on each credit report. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have disputed this with the credit reporting agencies and they are not conducting a proper investigation and don't take this as a threat But I have file suit on all three agencies is why I'm disputing with you right Now
Consumer complaint received 2023-01-31
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. (GA)

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I recieved a notice on a closed card for the first EVER time on XX/XX/XXXX. Within XXXX hour of being notified i closed the balance and pay the account in full. I was NEVER given any alert or notification of this. i was charged way too much of a late fee.. almost XXXX percent and again was never notified. i have never been late on a card transcation.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.