davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (GA)

On XXXX XXXX I wrote to XXXX XXXX, Equifax, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX 2 ) I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
3 ) I work at XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (PA)

By accordance with the fair credit reporting XXXX  accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland sold my debt to XXXX XXXX XXXX. I am unsure as to why Midland keeps reporting my debt. I contacted XXXX XXXX firm twice per the attached letters and have not received what I requested. I then proceeded to contact XXXX to dispute all this and XXXX along with Midland stated that the debt was correct without once again providing me with the information I requested. Again, Midland should not be reporting this debt since they sold it and XXXX XXXX did not provide me with the documents requested.
Consumer complaint received 2022-04-26
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. (PA)

By accordance with the fair credit reporting XXXX  accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
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. (MI)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-05-03
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. (IL)

I have filed Identity theft report because one item appeared on my report on Equifax Bureau, that doesn't belong to me. Equifax refused to investigate and reply back to me with no result. They do not have verification information but claiming like this account belongs to me. Only Equifax has reported this account on my credit history.
Consumer complaint received 2021-05-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (AL)

On XX/XX/21 we spoke to manager XXXX regarding a XXXX late fee on our account. We were never late as it is set to auto pay electronically. We were told their bank was closed that day and that is why the payment did not post until one day later. We were told if we paid XXXX that day that they would waive the other late fee. Our payments were only XXXX and we had another payment coming out autmatically for XXXX put we paid via phone that day the extra XXXX. That would put us a month ahead, but that was fine so that this did not happen again. Now in XXXX we are turned over to collections and they say that we owe XXXX because we did not pay the XXXX late fee and it has accumulated another XXXX. We sent a print out of all of our electronic payments and none have been late. We are refusing to pay the late fee and they are saying that they can not waive them.
Consumer complaint received 2020-06-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent the below dispute letter in the mail on XX/XX/XXXX and haven't got any dispute results on this. Can I get an answer on this. 


Dear Transunion, I am writing to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove inaccurate derogatory information from a consumers file under Section 609 that can not be verified. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I request that all future correspondence be done through the mail or email. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I filled an online application with HSBC Bank to open a Advance checking account and was declined with no explanation.The application reference is XXXX.I sent a letter on XX/XX/XXXX requesting the reason for the denial and have not heard from HSBC. 
I believe my application was declined for no valid reason.
Consumer complaint received 2021-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bizcorp, LLC (WI)

I got a high interest loan. I wanted to cancel it within the two days but am having trouble contacting anyone. I have sent multiple contact us emails through the website. I intially told the representative I get paid on the XXXX and XXXX. They tried to take out the money on the XXXX. The man on the phone said they had to take it out early due to South Carolina state laws. He refused to take extra money out so I could get this paid off early. The number given goes only to him. He is very mean and rude. I tried another number they gave me which has a recording that says it is an attempt to collect a debt but noone answers. I finally sent an email saying I revoked their authorization to take money out until I could talk to someone to straighten things out and they took out money anyways. I have no idea what to do. Because they won't take extra out and I can't work something out with them to take it out on my paydays I would literllay be paying this off forever.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Experian credit bureau will mot remove a late payment for my XXXX credit card, i have tried on 4-5 different occasions to dispute this information with Experian and they refuse to correct this on my credit report. I am trying to purchase a home and i cant because Experian is reporting wrong information. XXXX  and XXXX  are reporting that i have a great payment history. I have also called XXXX as well and they have also sent them requests to remove from my report
Consumer complaint received 2020-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a Capital One credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling Capital One they said to contact XXXX  which I did. They notified me that Capital One never responded to dispute so they legally could remove the card. I called Capital One two more times even speaking to supervisor and they confirm responding to XXXX. 
Also XXXX  said to just tell Capital One to report and we will add back. Capital One did report on XX/XX/XXXX and XXXX saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and XXXX  is in no way helping. They are being reported to as other agencies are getting the info.
Consumer complaint received 2023-03-02
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. (NV)

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 any purpose.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC (OK)

I have XXXX FS Card Services ( XXXX 's Jewelers ) card for approximately four years. During this time I have had a 98 % paid on time account. The account has been reporting in good standing. I have had a {$2200.00} credit line on this account. The highest balance that I have ever had on it was around {$790.00}. I currently owe. {$580.00}. I started noticing that my statements were showing me the {$2200.00} credit limit but with XXXX credit available. I called to inquire about this and THEY told me they would need to do a review. The next thing I know is that they are closing my account. I have been paying consistently with a XXXX percent on time ACCOUNT as I have said above. I received a letter dated approximately XX/XX/XXXX that my line of credit was being closed. I have other things past due but not their account. I am being punished for being on time with them simply because other things have fallen behind during this Covid Pandemic. I FEEL THIS IS ABSOLUTELY UNFAIR.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DigniFi (NJ)

I have contacted DIGNIFI several times regarding an account which was already resolved with the credit bureaus and remove off my credit account. However, this account continues to reappear on XXXX, and my XXXX credit report. Ive made several attempts with DIGNIFI company regarding this matter, and the company refuses to accept the terms from the credit bureau for this account to be removed entirely I provided police reports and several other documents related to my identity theft issue. Ive never owned a vehicle of any sort to have any account with this specific merchant I requested they accept the terms that was giving from the credit bureau in removing these accounts and to stop them from appearing on my accounts, XXXX and XXXX
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TN)

Vance and Huffman LLC entered on my credit report in XX/XX/XXXX a past due account under the company name XXXX XXXX XXXX. I contacted them twice by phone, as well as disputed with XXXX  credit bureau. XXXX  closed my dispute saying Vance & Huffman said they confirmed this is my past due account. The second time I called Vance & Huffman, they provided a copy of the supposed check signed by me XX/XX/XXXX in XXXX, NM. The check not only does not have my signature, but the address underneath my name XXXX XXXX  XXXX XXXX XXXX XXXX NM XXXX does not exist, and of course have not lived there. The company listed on the check is XXXX XXXX XXXX using address XXXX XXXX XXXX XXXX XXXX, NM XXXX which comes up as an automotive repair shop of some kind under a completely different name. Additionally, I have lived near XXXX, NY since about XX/XX/XXXX, and have not even been inside the state of NM. Of course I have also never heard of XXXX XXXX, nor ever been into an XXXX XXXX XXXX store location anywhere. Vance & Huffman at this time has not confirmed they will remove from my credit bureau accounts, and continues to question this fraudulent charge, and therefore do not know what to do next. Vance & Huffman now also has entered the account onto my XXXX credit report fraudulently. I have also filed a Federal Trade Commission Identity Theft Report under reference # XXXX and do not know what to do. I have a credit freeze, and fraud alerts placed as well. Seeking additional advice as well because there was never a credit check/inquiry for XXXX XXXX XXXX XXXX to give the $ XXXX out under my name, which is now hurting my personal finances with low credit scores. If not resolved, I would appreciate professional advice on potential legal action I can take as well.
Consumer complaint received 2022-04-26
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. (CA)

I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS XXXX. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED
Consumer complaint received 2020-11-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (ID)

This complaint concerns my attempts to communicate with JP Morgan Chase Bank, N.A.. about the savings and checking account my late mother had with the company. 

My mother died on XX/XX/2020. In XXXX, I called Chase 's Service Center ( XXXX ) to inquire about the procedure for closing the account. I was told to visit a Chase bank branch office, but I live nearly 100 miles away from the nearest branch. Chase then gave me the address for the Chase Decedent Processing Group in XXXX XXXX, TX, and told me to write a letter detailing my mother 's personal details, her bank account details, my personal details and to include an original death certificate. On XX/XX/2020, I sent the required letter and documentation via USPS Certified Mail. According to USPS tracking, the package was delivered on XX/XX/2020. 

I never heard from Chase or the Decedent Processing Group. I subsequently called and left a voicemail explaining the situation with a specific request for a call back, but never received one. 

In XXXX, I called Chase 's Service Center again, and was told that, now, the only way to communicate with the Decedent Processing Group is by email. On XX/XX/2020, I sent an email to the email address provided ( XXXX ) explaining my multiple, unsuccessful attempts to communicate with the Decedent Processing Group and requesting a prompt reply. 

Later the same day, I received a secure email from JP Morgan Chase & Co. telling me to submit : An original or certified copy of the death certificate for the decedent ; Certification of Trust that Meets the States Statutory Requirements A notarized letter of instruction from the successor trust. 

There were no further instructions, nor any acknowledgment of my original letter and the fact that I had already sent a death certificate. 

I have since reached out again via JP Morgan Chase & Co. 's secure email system to request additional instructions. On XX/XX/2020, I received a reply with a Trust Certificate form attached that I should fill out. This form was not included in the original email I received on XX/XX/2020. 

I then sent two additional messages via the secure email system requesting clarification on the information requested in the form. The most recent email was on XX/XX/2020. I have not received a reply. 

Today, I have again called Chase 's Customer Service Center number ( XXXX ) to lodge a complaint and request help with remedying the situation. As I write this, I have been on hold for 1 hour and 9 minutes. 

Nearly four months have passed since my mother 's death. JP Morgan Chase is making it extremely difficult to process matters of estate, in spite of numerous good faith efforts on my behalf. I understand that the Covid-19 pandemic has created hurdles for businesses in a range of industries, but Chase is a major, well-established financial institution. The poor service and deplorable communication I have experienced is simply unconscionable.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (IL)

I have tried to make my credit card payments about 4 times now. I was trying to pay my credit card off in full but my payment was returned to me on 2 occasions. I reached out to the Avant customer service and they advised they only take credit card payments on the XXXX of the month. It didnt make much sense for them to to my take payments on the first but I agreed and asked them to schedule a payment for me. When payment time came I got another message saying my payment did not go through though there are funds in the account I tried to pay with. I have other credit cards Ive no problem paying but this one never seems to take my payments.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because equifax told me to do so and they deleted one of them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because XXXX  told me to do so and they deleted XXXX XXXX them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-05-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

Roughly about two weeks ago, I received a call from a representative, from Freedom Mortgage, to set up my closing date. The representative provided the closing numbers, Rate : 2.25 %, Loan Amount : {$440000.00}, Monthly Payment : {$2700.00}, and next payment date of XX/XX/2021. The closing date was scheduled for XX/XX/2021, at XXXX XXXX 

I called Freedom Mortgage on XX/XX/2021, to obtain a copy of the closing statement in preparation of the closing date on the XXXX. The representative XXXX XXXX XXXX emailed me a copy of the closing statement. The closing statement had different numbers than what was presented to me by the representative scheduling my closing date. The Loan Amount had changed to from {$440000.00} to {$450000.00} and the Monthly Payment from {$2700.00} to {$2700.00}. I asked XXXX to look into the issue ; she said she would escalate the problem up her chain-of-command. 

After carefully reviewing the documents, it is clear that Freedom Mortgage is not deducting the previous escrow balance of {$5300.00}, from the Loan Amount or the Pay-off balance. Freedom Mortgage is currently servicing the original loan/mortgage and they hold the escrow balance of {$5300.00}, which is not credited in the closing statement attached. With the escrow balance credited XXXX {$5300.00} XXXX, than the total loan amount is about $ XXXX, as presented by the representative scheduling the closing date. The closing date is tomorrow. I've emailed XXXX and XXXX a couple of times with not resolution. As a matter of fact, XXXX send me the same closing statement earlier today with no changes.