davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted XXXX and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX.. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2020-11-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Not a duplicate : this is my 5th complaint on Experian regarding the reporting of XXXX preferred account. For years, I have written to XXXX using the PO. Box they list on my credit report - the mail has always been returned to sender. I tried for years calling the 877 number they list on my credit report and all I got was a non working tone. I then disputed with Experian the inaccuracy of non working contact info for the creditor. Every time I disputed, Experian did not fix the error but instead dismissed my request indicating the account had been updated and verified. To this day, the account still shows non working contact information. I finally called Experian and spoke with a lady named XXXX in the Internal Affairs unit - she stated it was not Experians job to update the contact information for the creditor and suggested I XXXX a working phone and addressXXXX XXXX  still has yet to provide all documentation in the form of an itemized statement, all correspondence and documentation for this account. Only, how can they when they send all my requests as return to sender. Experian has not done its FCRA requirement in investigating the issue. Instead, they told me to go out on a witch hunt to track down the creditor. According to Experian ( attached ), if I dont agree with the result of dispute, I can contact the creditor directly using the contact information listed on the report. I pointed out that the contact information for the creditor hasnt worked in years.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing regarding a recent discrepancy on my credit report. Upon reviewing my credit history, I noticed that there is a late payment recorded on my credit card account with your company. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (SC)

I sent them a cease and desist letter asking to stop trying to contact me and I was in the process of contacting the original creditor About this debt thy claim I owe. 
And to remove all entries to the credit bureau because there inaccurate
Consumer complaint received 2023-04-10
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. (NJ)

XXXX reported late payments on equifax credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with XXXX rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Consumer complaint received 2019-08-21
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. (GA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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. (GA)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

Disconnected the account and was given an incorrect final statement. XXXX XXXX XXXX keeps submitting my account to collections after repeatedly trying to fix the issue. XXXX sent me an updated statement reflecting a negative balance and even sent me a XXXX giftcard with the balance they owed me. I disputed it with a previous collection agency and they removed it, now a new collection agency is trying to collect on the same wrong balance. XXXX XXXX XXXX is extremely difficuly to communicate with. I have spent hours on the phone trying to resolve it.
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-03-02
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: EQUIFAX, INC. (MI)

I have received a response from XXXX an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter XXXX sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you once again regarding the fraudulent account that persists on my credit report despite multiple attempts to dispute it. It is unacceptable and infuriating that despite my repeated efforts to rectify this situation, the fraudulent account continues to tarnish my credit history. XXXX XXXX
Consumer complaint received 2022-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (OH)

Filed an application for personal loan on XX/XX/XXXX. They required paystubs and ONLY paystubs as proof of income and employment on their application. I am paid from a government grant and submitted my tax documentation and offered my W-2 in order to verify my employment. The customer service agent told me I needed to get additional documentation from my work outside of a W-2 to verify employment for which I decided to withdraw my application on XX/XX/XXXX as they insinuated they could not verify my app. with a W-2. As I was now unable to get approved by other bureaus due to a recent unsecured loan which *I* withdrew, I reconversed with SoFi customer support who indicated that they actually COULD verify my employment with a W-2, contrary to what I was told before withdrawing my original application. When I opened a new application on XX/XX/XXXX for 1. the same loan amount, and 2. without a new credit check as they store credit info for 30 days my interest rate had increased 15 % from the original loan offer. When I asked what warrants an increase of 15 % in 1 day, for the same amount, and with no change in credit I was told that rates are based on credit check ( which remained from the original application ) and the application amount requested/income ( which had not changed ). When I requested further information or someone to talk to regarding this extreme increase they claimed to not have access or know what the rate was based on. A 15 % increase in one day for the exact same application seems extremely predatory? and based entirely on the whims of the company and not the actual market or application. I would like a response from the company which outlines *specifically* the basis for the 15 % increase in set interest rate between my two applications and I would like the inquiry on my credit from this company removed as 1. I withdrew on the basis of receiving incorrect information, 2. they refuse to provide a fair rate, and 3. render me unable to secure a fair loan from another company
Consumer complaint received 2021-08-16
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: Bread Financial Holdings, Inc. (MA)

On XX/XX/2021, an account for {$5500.00} was opened and funds were paid out to XXXX XXXX  XXXX when no services were rendered nor acknowledgement from surgery center of my information and application process. 

XXXX XXXX had contacted me from XXXX XXXX for a consultation and offered an interest free financing option for the services requested. Upon my approval she said she has set a surgery  date of XX/XX/2021. 2 days later I received a phone call from another representative from XXXX XXXX trying to process a consultation and financing option as well. I told her that I had already done so and if they have my information. She told me to reach out to XXXX to verify and confirm. At that point XXXX did not respond to my phone calls, messages, or emails. I further contacted the office directly and a rep told me to keep trying that she will eventually pick up. At this point I was afraid my information was compromised. I proceeded to leave phone messages and emails to the supervisor and accounting department regarding my information being falsely taken by a representative and they too failed to respond. @ weeks later, another representative contacted me notifying me that XXXX is no longer with their office in which I emailed back to verify my information and to please confirm that all services and application has been cancelled. She too, has never responded. 
On XX/XX/2021 I received a statement of financing from XXXX XXXX for payment on an open account for {$5500.00}. They notified me that I have an open account with Comenity Capital Bank for that amount. I filed a dispute with their company, as well as filed a report with XXXX XXXX  XXXX  against XXXX XXXX, and filed additional disputes with the credit bureaus.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My payment due date on my CapitalOne Venture One card wasXX/XX/2019 The balance due was XXXX. I am enrolled in Autopay. In order to avoid this amount from being withdrawn at one time, I paid XXXX on XX/XX/XXXXand XXXX onXX/XX/XXXX. OnXX/XX/2019 the amount of XXXX was withdrawn from my checking account as the Autopay. When I called CapitalOne the first clerk stated that my credits should have been reflected against my XX/XX/XXXX statement. She had to place me on hold to get assistance explaining why this was not the case. It was explained to me that my payments were being applied to current charges and not my statement. I stated that if the Autopay is able to adjust for credits from merchandise returns it should reflect payments made by me. CapitalOne agreed to refund my XXXX   payment made on XXXX XXXX but stated this will take 10 business days to post to my account. My concern is that this is deceptive. After reading the AutoPay Terms and Conditions, I do not believe CapitalOne is adhering to their own terms and conditions. After speaking with a CapitalOne representative she admitted there is a "glitch" in the system.
Consumer complaint received 2021-10-26
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Ive had this credit card for three years and always paid on time. My credit limit is still sitting at a {$500.00} limit and thats ridiculous after three years!!!!
Consumer complaint received 2021-09-17
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-06-09
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: JPMORGAN CHASE & CO. (SC)

Hi, I applied for Chase-XXXX credit card two years ago. The enrollment benefit was XXXX XXXX XXXX after {$500.00} spending in the first three months. However, I never received the stars in my XXXX account. 

I firstly call XXXX first and they told me that I should talk to Chase to resolve the issue. Then I contact Chase several times and every time I had to talk to the robot for a long time before I could access the agent. Every time the agents told me that I am qualified for the stars and they would investigate and give me the stars, but they never showed up again, not even a mail. 

Best regards, XXXX XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (AL)

My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Certified mail was sent out on XXXX XXXX
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

Arvest Mortgage let me take the money I could not pay and put to the back of the loan but now they to want to change the agreed upon terms to something less favorable for me. I do not have what they said in writing but we verbally agreed to this contract. I had a covid related hardship and that I could not get my rental house rented out due to covid restrictions, but now that I have rented the house I will be able to make the payments at starting XX/XX/2021. Arvest Mortgage wants to change the terms of our agreement. They have sent me numerous letters and even an registered letter to force me to call them. Each letter also says disregard this letter if you already know what you are going to do. I want the terms in which the money I did not pay was moved to the back of the loan, as we agreed on with no changes. I am unable to make an online payment because they want me to pay the money I did not pay back right now breaking our agreement. Or they want me to enter into a new unfavorable agreement. Arvest Mortgage asked for personal information about my tenants which is confidential and legally they are not allowed to ask these types of question. I only want to continue payments on XX/XX/2021 as we agreed upon. My interest is almost all paid off and I do not want to have to start all over again paying interest. They want me to modified my loan in such a way that I will end up paying mostly interest instead of principle.
Consumer complaint received 2022-04-28
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. (AR)

In accordance with the fair credit reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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: American Credit Acceptance, LLC (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and American Credit Accept to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I applied for a refinance loan and my rate was locked in at XXXX. Quicken loans let my payoff for my California first loan expire and did not realize this until my loan was sent for closing. At this point it was XX/XX/XXXX and my California first payoff had expired on XX/XX/XXXX. This now meant that all my numbers had to be recalculated as well as I had to order a new payoff from California first. I then had to make a XX/XX/XXXX payment on my existing mortgage loan, which was now late because we did not close on the date that I was told. ( XX/XX/XXXX ) At this time I was advised that my interest rate was going to expire and I was given a 15 day extension. ( XX/XX/XXXX ) I was then called on XX/XX/XXXX and told that my interest rate was expired again and at this time the interest rate had gone up. I could no longer receive my promised interest rate of XXXX unless I brought more money to close. I was now forced into a rate of XXXX because of being unable to bring extra cash to closing. Quicken loans has dropped the ball on my loan numerous times over the past two months. I have provided them with every document that they have requested, promptly and have kept in contact with many different individuals though this horrible process. It seems as if every time a mistake has been made on my loan, I am than passed off to a new person for contact. I have tried reaching out to the company in regards to all of the unfortunate events but no good has come from any of my calls or emails. I started my loan process around XX/XX/XXXX.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

Two transactions from a merchant was made from my debit card that I did not make, I reported it to chime and they claim to have ran an investigation and did not find any error in these transactions. Chime said they would share the information used to find their results with me, and when I ask, they've only returned my origional report without any extra information. I am asking Chime to give me the merchants contact information and location so that I may run an investigation myself but they refuse. All I ask for is the merchants contact information or return {$89.00} back to my account for the transactions with the merchant.