davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I changed banks however XXXX did not update the new information in a timely manner and consequently there was a late reported on this account through no fault of my own. I made all timely monthly payments on this account. The account has since been paid off. I have provided a copy of the payment history ledger. This late payment is reporting in error and is seriously harming my credit score. Please remove and/or update this account to reflect no lates. I have contacted the bureau to remove this late reporting however, I have not been successful.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (NC)

In XX/XX/2017, I applied in-store at XXXX XXXX XXXX in XXXX, NC for an XXXX Credit Card served by XXXX XXXX. Due to a fraud alert on my XXXX report that was on my account at that time due to the XXXX  breach, the account was not approved. Later it was approved for {$250.00}. It is important to note that I have two other store accounts with XXXX XXXX   XXXX XXXX XXXX XXXX 

I later received a letter from XXXX  saying they tried to contact me using info on my credit report I have no contact info on my report. I call XXXX, and in XXXX had them remove the fraud alert from my report and applied for a credit limit increase. I received another letter from XXXX  stating the same as above we tried to contact you at the info on your report. 

I then tried applying again in XXXX same thing. I call XXXX and they informed me that XXXX is wrong. There is no fraud alert on my report, and thus no phone number. I call XXXX, and they STILL insist that there is, and I can not get to an actual person that can help only 1st and 2nd line respondents, and XXXX   has no corporate complaint facility. 

All I want is for XXXX  to process my credit limit increase WITHOUT trying to contact me based on info in my report ( XXXX informed me that NO ONE has a number on their report unless there is a fraud alert ). If XXXX has their own " fraud alert '' on my account, then they need to remove it. It would be obvious everything is on the up and up if they would simply look at the other accounts I have with them. This is a situation that is checkers, but XXXX  is going out of their way to make it chess including quoting their " policy '' as a " law '' which is just amazingly naive.
Consumer complaint received 2018-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I made a purchase of {$86.00} on my Capital One credit card on XX/XX/XXXX. I received my statement from Capital One for XX/XX/XXXX-XX/XX/XXXX with a XX/XX/XXXX minimum due payment of {$25.00}. On XX/XX/XXXX my wife made a {$40.00} payment ( late ). On XX/XX/XXXX my wife made a {$40.00} payment of which Capital One posted to the wrong account and Capital One charged me a late fee for posting my payment to the wrong account. My wife made a final payment was {$31.00} ( $ 6.59+ {$25.00} late fee ) for a total of {$110.00} and wrote " PAID IN FULL '' on the check. That is {$86.00} plus one late fee of {$25.00}. Capital One cashed the check. On numerous occasions I had told Capital One to contact my wife and talk to her regarding this issue and Capital One refused to do that. I am a truck driver and I can not talk on the phone while I am on the road. My wife has tried to talk to Capital One numerous times from XX/XX/XXXX to  present. Capital One refused to talk with her even with my permission. I filed a complaint on Capital One XX/XX/XXXX with the Better Business Bureau, ID # XXXX but Capital One continues to bill me for {$140.00} in late fees and finance charges. I don't feel as though I owe Capital One anything else. Please help me.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

The company is attempting to collect a debt without proof of ownership. The company is in violation of the Truth and Lending Act ( TLA ) by reporting the debt as mine to the Credit Agencies XXXX, XXXX, and XXXX. The company is using statements as its course of debt validation. However, the ( TLA ) requires an application either written are orally to provide proof of an alleged debt the ( TLA ) also requires fair and accurate reporting and that interest rates be provided dollar by dollar. I do not owe and acknowledged this alleged debt and neither agree with it. If this company owns this alleged debt it must provide the chain of assignments and the contract between it and the seller and certification of ownership and provide the receipts and proof of how much they purchased the debt for. I have enclosed an enhanced validation request in this complaint to the company. Although the company has stop collection activities they are still reporting to the credit agencies as an attempt to collect the debt and defamation of my character.
Consumer complaint received 2018-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all 3 bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with XXXX  and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!
Consumer complaint received 2021-06-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (NV)

This debit does NOT belong to me and was a result of ID theft. At the time this account would have been opened by my now deceased brother, who lived with me and had used my personal information to open several loans/credit cards. It was not until after my brother passed away in XX/XX/2018 did I learn of his fraudulent activity and clearly have no recourse now. 

I have submitted the proper ID theft information/report to the credit bureaus, but AD ASTRA RECOVERY continues to reassert the debt belongs to me. I have attempted to resolve this matter several times with the debt collector directly and even at one point I extended a settlement offer to resolve the matter directly and remove the account from my credit report.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (DE)

American Express closed all of my personal and business credit card/charge card accounts. I have never have any late payment, always paid in full each month, have good relationships since 2015. Now they closed my account because of business reasons. This was unfair.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

The bank prequalified me to loan modification twice, yet they are sending me paperwork telling me I am not qualified and when I call I am told it is a mistake. I am still not getting the paperwork from the bank. I prequalified for the flex modification back in XXXX. It is now XXXX and the bank is trying to get me to sign paperwork without the modification. I am appalled that this is happening. I feel like I have no one to help me and the bank continues to not do their part to fix this problem.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (AZ)

Chase Mortgage switched me from paper to electronic statements without my knowledge, consent or advising me of the change. I pay all of my bills off of paper statements. As I never received the bill, the payment was delayed. As soon as I noticed the issue, I paid the mortgage immediately, however at that point it was a few days over 30 late. I called Chase to get switched back to paper statements and they removed the late fee, however Chase reported a 30 day late on my and my wife 's credit reports. This late payment was caused through no fault of my own as I never got a statement and they never sent me anything saying they switched me from paper to electronic. I called them, I wrote a letter, I spoke with various people and escalated all that I could and Chase refused to correct my credit report.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (TX)

I opened an account with XXXX on XX/XX/2021. On XX/XX/XXXX, a cumulative {$2300.00} was transferred to this account. On this very same day, I attempted to log in and was unable to access my account. After calling XXXX, I was informed my account was closed for " business reasons, '' and no specific reason was given. They have informed me it will take 1 week to formally close the account and another 7-10 business days to mail the check to the address on file. A supervisor named XXXX is monitoring my account and will notify me by email when the check is mailed. However, I am submitting this CFPB complaint, as this is truly the most outrageous experience I've had with a bank. On the day I transfer funds to this bank, they close my account and hold my funds XXXX for 2-3 weeks. It is incredible that they would not let a customer transfer the funds out prior to closure and instead hold the funds for several weeks. There is also no way for me to access the account to monitor the funds. This situation is extremely alarming.
Consumer complaint received 2022-04-30
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. (TX)

In accordance with the fair credit reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax has my name misspelled. I submitted a dispute and the documentation they required through their online dispute center on XX/XX/2021. I received a confirmation email that advised me I would be notified in approximately 30 days when the results of the dispute were available, which is also stated on their website and in their online delivery agreement the consumer must consent to in order to proceed with the dispute. 

Having checked their online dispute center today, I see that my dispute was marked closed the same day it was opened, XX/XX/2021. Equifax has not corrected the error and did not notify me that the investigation was closed. 

It's worth noting that I had tried fixing this error by phone once previously and was directed to their online dispute center.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (MD)

This mortgage was discharged through bankruptcy in XXXX. Modification was approved in XX/XX/XXXX. All payments o the agreed upon amount of {$790.00} have been made every month since. In XXXX I received notification of intent to forclose. I sent PHH documentation and correspondence proving that all payments have been made. Since then I have received 2 more intent to forclose notifications and no other response.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

On XX/XX/XXXX I attempted to withdraw XXXX $ from an ATM from the US bank branch on XXXX and XXXX in XXXX XXXX, South Dakota, and I was only dispensed XXXX XXXX Immediately, I logged into my mobile banking app and saw the transaction was processed as a XXXX $ withdrawal and I proceeded to call the national US bank number and file a dispute. About 2 weeks later, I received the attached letter via mail notifying me that the ATM investigation was completed and no error was found. I went to the same bank branch to inquire about the steps they took in the investigation process, such as how they counted the money in the ATM and who the team that did the investigation was, and I was told that my dispute had actually not been settled yet. I called the national US bank number again and tried to escalate my dispute or refile, and I was assured that they would get it sorted out. After probably upwards of eight more phone calls, I was told again today that the dispute was still pending ( over two months later ). The banker stated that the ATM money balance should have been counted long ago, however, so I am quite apprehensive that US bank is taking this claim seriously. In fact, due to the lack of correspondence other than the apparent error mail letter, I am beginning to wonder if the strategy of this investigative group is to just carry out the process as slow as possible in hopes that the complainant forgets about the issue or decides the hassle is no longer worth it.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Upon checking my credit report I notice a company popped up as a collection which is not accurate at all and I know nothing of the company brought my credit score down and there telling me I have to wait I was about to apply to get a loan this made my wait longer 1+ month.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

XX/XX/2023 Citi scam call regarding a fraud charge. Gave personal information. 
Closed my credit card with Citi and was reissued new ones. 
Scam number XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (AL)

MediCredit represents XXXX XXXX Hospital, they have reported a 2009 dollar debt on my credit report that does not belong to me. I have disputed this debt. They have not proven that this debt belongs to me and they continue to damage my credit with it. They take accounts and resell them to debt collectors or the debt collectors change their names and continue to harass citizens for money that they do not owe.
Consumer complaint received 2021-06-08
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: Monterey Financial Services LLC (NY)

Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NV)

The original debt amount was incorrect. I settled on a 3 payment payoff after agreeing to the final amount of {$230.00} which was more than the original final payment. The collection 's representative NEVER informed me of an ADDITIONAL charge for each payment. The first payment as stated by the representative XXXX on XX/XX/2021, at approximately XXXX XXXX, was in the amount of XXXX with two additional payments of {$66.00} to be automatically deducted on XX/XX/2021, and XX/XX/2021. Today, I looked at my bank account, and the company withdrew an extra XXXX without my permission or knowledge. When I contacted Receivables Performance Management to inquire, they said it was an additional fee for service. This information was never presented to me or I would never have agreed to the settlement as the original amount was incorrect as I had told them. This is a practice of deception to the consumer and particularly in a time of pandemic and financial devastation for many, including myself.
Consumer complaint received 2022-04-30
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. (DE)

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$19000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX  a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I have an account with XXXX XXXX XXXX. I applied for the card to rebuild my credit. I have a small Account consisting of {$1500.00}. I make the full payment each month. However the last two months the Balance has been over {$1500.00}. They told me it's because I made payments over that amount however I don't know how that's possible because If I try to use the card it will either show " Denied '' or " Approved ''. 

On XX/XX/XXXX i made a payment of {$1500.00}. I was able to use the full amount of my balance {$1500.00}, however when I tried to schedule my next payment on XX/XX/XXXX it said I still owe {$68.00}  due XX/XX/XXXX from the previous month. 

They said every time i go over my alloted {$1500.00} I get reported. I extremely frustrated because of the following : 1. ) I pay my card in full each month but for some reason they with hold or not show some purchases on the card. WHich leads to confusing balance updates 2. ) Then they charge me for over charging my card, which they have t power to deny payments.

3. ) They report this behavior like its my fault they can't keep up with the purchases on my card. I get the negative hit and they make it look like its the consumers fault 4. ) in the end its their fault for not updating my purchases and payments in time.

I'd like to report them for this terrible, unethical behavior. It's bad business.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/2017 Dollar amount {$6700.00} Ive disputed this with XXXX XXXX by certified mail notarized letter no response also letters was forwarded to all 3 credit bureaus XXXX, XXXX XXXX TransUnion
Consumer complaint received 2021-06-08
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. (MI)

I am the consumer and according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. I am the consumer I am the only that can validate a debt and that debt is not mine it is not true.15 usc 1681 a XXXX states that you have to do interviews with my family associates and neighbors. XXXX did not do that.