davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (IN)

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
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to TransUnion and XXXX. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both TransUnion and XXXX making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX 's letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, TransUnion, or XXXX after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from TransUnion and XXXX on 2 separate occasions. 
1st and 2nd letters to TransUnion and XXXX  were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I took out a short term installment loan with CashNetUsa to facilitate a small emergency. I In order to avoid excessive fees, I attempted to pay the loan off early, by debit card, the day before the first installment payment was due. I chose " Pay off outstadning balance '' option and made the payment. However, their website is dilibertly decitful in making the customer think they paid off the then loan when in fact they didn't. The pay oustadnding balance ( which all consumers would agree means the total loan balance due ) is not the total loan balance due. They calculate the payment with the CAB fee, and do not include the full principal, so your actually left with one more payment PLUS interest PLUS another CAB fee, even though in the contract it specifically states that if you pay the loan off early you avoid other CAB fees. They are dilibertly misleading consumers by using the term " Pay Off Outstading Balance '' so that conumsers think they are paying off the loan early and saving on the CAB fee, when in fact they have a small principal amout left, which will incur more interest and another CAB fee. For example, I took out an installment loan for {$800.00}. The day before the final payment, I choose " Pay Off Outstading Balance Option '', and paid {$820.00}. When you make the payment, there is no breakdown on the screen that shows what portion is going toward Principal, Interest and CAB fee, its just one lump sum that is auto-populated by the system. After making the {$820.00} payment, my account still showed an ACH for {$150.00} due the next day. Thinking this was automaticly done by the system, I contacted CashNetUsa via their chat option, and requested the ACH be canccelled. They confirmed and cancelled the ACH. If I had not logged back into CashNetUsa, I would not have knonw that the account was not paid in full. Once I logged back onto the system, I saw the same amount of {$150.00} to be ACH drafted in two weeks. I contacted several different members via the chat option on the website to ask why I still owed a balance even though I picked " Pay Off Outstadning Balance '' option and paid with a debit card the day before my first payment was due. All the customer associates I spoke with repeated that I still owed {$150.00} but would not tell me why I owed this amount, even though I picked " Pay Off Outstanding Balance ''. Until I examied the reciept I recieved from email did I not realize that the " Pay Off Outstading Balance Option '' did not include the full principal and none of the customer asstiance associates explained this as well.This is a flat out deceptive practice aimed at generating more interest and CAB fees from Users.
Consumer complaint received 2017-09-08
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. (SC)

This complaint is aimed at the credit reporting agency, Equifax, for failing to adequately secure my private and personal credit and financial information. 

Using their website designed to check for the notorious data breach I came to learn my information was compromised. This is the website they told us to use : https : //www.equifaxsecurity2017.com This is inexcusable in a world where credit rules and technology is king. Thus, I am submitting a complaint against Equifax for failing to properly secure my personal credit and identity information and exposing my identity and financial data to unknown sources, along with that of 143 million other individuals. 

Thank you.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX I got a notification from XXXX, through XXXXXXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?
Consumer complaint received 2019-05-22
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. (GA)

Please know that I was not late sending my payemnts to ..I wonder why Transunion report it as late when in fact payments were sent before the due date..They wont give me  concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I was a victim of online fraud. I reported an unauthorized purchase for {$3300.00} on XX/XX/19 through XXXX to Chase Bank because the money was taken from my debit card account. I have messages of me asking the seller to cancel the order, the seller never answered back and sent me an empty package. I filled up a police report. I sent the police report, pictures of the package ( I also have a video of me opening the package ) and screenshots of the messages to Chase bank. However, they refused to give me that refund because they said that they had " evidence, '' I asked them to send it to me. I received a letter and the evidence they found was the tracking number. I had the tracking number from the beginning, but that is not evidence of anything. I did not purchase that computer on XXXX, and I also received an empty package. The pseudo company of XXXX is called " XXXX. '' Someone signed for that package, and it was not me or someone I know. The address they wrote was also different to my address. The seller ( XXXX ) is doing something completely illegal. My money was supposed to be safe there, but it was not. The bank is not helping me and instead is giving the money to a criminal.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Though there are protections in place to prevent XXXX discrimination in nearly every aspect of life, the three credit reporting agencies are happy to discriminate on XXXX people covered under XXXX protections in the way that they report. Despite multiple attempts to have misleading information removed from my credit reports ( which has prevented me from being able to secure financing based solely on data that was the product of blatant XXXX discrimination ), the agencies refuse to represent my financial responsibility in a way that adequately represents my spending habits. In stead of demonstrating my credit worthiness, the credit agencies are skewing my results due to accounts that I could sue for blatant XXXX discrimination ( which I am working on ). While the effects are minimal for the other FICO scores, the accounts that are inaccurately depicting my financial responsibility lower my FICO-4 score ( which is used for mortgages ) to a ridiculously low level and will exclude me from home ownership for the rest of my life. The account in question has four years of negative payment history following the notification from the Attorney General 's Office that the account needed to be modified to accommodate my XXXX. My XXXX began two years prior to that in 2012.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I submitted my first complaint on on XXXX. 

" I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company. '' I got a response on on XX/XX/16, but it does not help with answering my questions. I need to speak with a customer representative, and the response I got was " XXXX XXXX may contact ChexSystems by telephone at XXXX and select other options to speak with a representative. '' Please note I called that number, and there was no option to select " other options. '' I am still unable to speak with a real human being. I would like to speak with a real human from ChexSystems please. 

Thank you, XXXX
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICE XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX : Earnings Withholding Order for Taxes, Account Number : SR AP XXXX. 

XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX XXXX. XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: JPMORGAN CHASE & CO. (CO)

I had a Southwest Visa Credit Card that was issued by Chase. On XX/XX/2023, I paid off my balance of approximately {$5300.00}. At this time, I also paid off several other credit cards and loans through a consolidation loan. On XXXX I got an electronic letter from Chase stating that my credit limit was reduced from {$5400.00} to {$500.00} stating that my limit was reduced due to high balances on my revolving accounts. I check my credit report several times a week and as of XXXX my credit report shows that paid off two loans and three credit cards. I believe that Chase opened the account when I was rebuilding my credit with a 28 % interest rate in an act of predatory lending and when I paid it off they punished me by reducing my credit limit. I have never missed a payment or violated our agreement which would justify this decrease. When I addressed it with them, they stated that I could file a disagreement and resubmit all of my information to see if i could get it increased. As I have done nothing to violate the previous agreement and I believe that this was originally approved as a predatory practice, I closed the account.
Consumer complaint received 2023-01-10
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. (TX)

I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; XXXX to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (GA)

On XX/XX/2019 I was expecting money to be deposited in my bank account My email address XXXX from Zelle informed the money will be deposited to a XXXX XXXX account which I DID not have a XXXX XXXX account. The senders sent the money through Zelle. I received an email from Zelle that XX/XX/2019 XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) sent money will be deposited in XXXX XXXX account. The problem is I do not have a XXXX XXXX account. I have an online XXXX XXXX account. I contacted Zelle and someone informed me that XXXX XXXX has a link to my email. I informed Zelle that I do not have a XXXX XXXX. The money that was sent from the two individuals was sent to a XXXX XXXX account that I do not have. My email address XXXX XXXX XXXX is being used by someone name XXXX with the last account number XXXX from XXXX XXXX who I do not know.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (KY)

I settled a credit card debt with XXXX XXXX XXXX who sold it to Credit Control, llc under the name XXXX XXXX XXXX & i disputed 7 times the status Failure to pay with XXXX  & XXXX & they continue to say it's valid even w/ copy of ck  {$270.00} pd XX/XX/18, it dropped my score & updated as a Open acct which is also incorrect! The company refuses to fix it saying its XXXX XXXX fault. Call XXXX XXXX they say its XXXX XXXX  fault either way how is it failed to pay w/ letter of payment in Full?? They promised to update as paid per verbal Recorded statement.
Consumer complaint received 2024-05-16
Product: Credit 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: DISCOVER BANK (OH)

I was the victim of a scammer and possible identity theft. This person gained my trust and proceeded to have me purchase, saying they would pay me back, gift cards. Once I realized what was happening to me, this person threatened my livelihood, said they were watching my home, threatening my family, and also said I would never get my money back unless I paid {$500.00} for it back. I have not given this person anymore money, and because I didnt, they posted topless pictures of me on their XXXX XXXX XXXX  ( they are blocked now, but I could still see what was posted. )
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WESBANCO BANK, INC. (PA)

I applied for a conventional mortgage through Wesbanco. During the initial closing disclosures, I discovered we ( my co borrower and I ) were being charge over {$660.00} for discount points. After explaining to the lender that neither one of us asked to purchase these mortgage points, nor was it explained to us prior to moving forward with the purchase, because as investors, we planned to buy the property, repair, rent and repeat. So, buying points on this deal would actually make us lose money on the investment after refinancing in only 4-5 years. The lender insisted that there was nothing he could do to remove the points because my $ XXXX investment loan was too risky.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-12
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: Vericred Solutions LLC (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Vericredsol for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2023-01-10
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. (MI)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortiXXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I opened a new checking account with Citi online and immediately transferred a significant amount of money into it from a XXXX  XXXX XXXX account ( by visiting a XXXX branch in order to make the transfer ). The funds showed up successfully in my Citi account within a few days. Next, I attempted to pay a contractor from the Citi account using a verified XXXX account that I've had for years and linked to said new Citi account. The payment was denied. When I called Citi to find out why, I was told a security hold had been placed on my account but was not given a reason why ( one customer service rep out of the 5+ I spoke with said they tried to validate a public records phone number associated with my name ; I have had the same phone number since I was 15 and used it to establish the account so not sure why they would take this action ). Now, I have received an email stating that my account will be automatically closed within 60 days because I " have violated the terms of your account per the client manual '' and I will be mailed a check for the amount in my account. I would like to immediately pull my money out and transfer back to XXXX  XXXX XXXX, but they are not allowing me to touch it. I am at my wit 's end and have never been so frustrated! Citi is holding tens of thousands of dollars that belong to me hostage without any sort of explanation.