davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit
Consumer complaint received 2024-02-16
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. (TX)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2021-06-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have received a copy of my credit report and it shows company BK OF AMERmaccount number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2016-01-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

Lender : J.P Morgan Chase Bank Loan Date : XXXX Account # : XXXX Home Equity and Consumer Lending Division XXXX XXXX XXXX XXXX, OH XXXX Branch Office that Wrote Contract : Chase Bank XXXX XXXX XXXX, MI XXXX My Reason for filing a complaint is due to me XXXX XXXX trying to get copy of the Appraisal ( suspect fraud ) I am in need of the appraisal regarding the contract account listed above. 
I have contacted the Branch Office twice regarding this issue. In return I then received two letters regarding the appraisal, stating they are no longer available. 
I was informed by law all documents are suppost to be available including appraisals. So if I needed copy of appraisal ( as I do ) it would be available. 

Thank you for taking the time to read and review my complaint. You are welcome to contact me any time between Monday - Friday XXXX - XXXX at XXXX Or After XXXX or on Saturday and Sunday at XXXX XXXX also email XXXXXXXXXXXX
Consumer complaint received 2022-02-16
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. (NC)

Hi, My credit score dropped significantly in the last month. There was a fraud alert on my XXXX XXXX account and my score went from XXXX to XXXX. Due to the Covid 19 Pandemic Act, I worked out a plan to make payments. I was planning on refinancing a paid off property and paying off my cards when I tried to apply for the loan and I checked my credit score and it dropped significantly. On the report it states I have paid in a timely manner so this score has prevented me from obtaining the refinance equity loan to pay off my cards and renovate the property for income.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reached out to XXXX, XXXX and TransUnion three times to dispute inaccurate accounts on my credit report. They have responded both times and stated they have verified/updated the accounts. However, they have provided no proof and only an updated credit report. They have violated multiple laws according to the FCRA. I have demanded to have these accounts deleted from my credit report which has not been done so.
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have a USAA credit card, -- -- -- -- -- -- XXXX. 
USAA Bank allowed a {$3000.00} + charge on my account using someone else 's credit card, their number is, -- -- -- -- -- -- XXXX! 
That is not my credit card number! 
That is illegal!!! 
USAA Bank says that is to bad, and that it does not matter to them, and that I still owe the {$3000.00} plus interest!!! 
I was not able to get an XXXX, so I took off work, and paid XXXX {$150.00} and shipped the merchandise to the USAA Bank!! 
USAA Bank said that makes no difference to them and that I still owe them {$3000.00} plus interest!!! 
I have been with USAA for more then 26 years, I have never been even late with a payment, and this is the way they treat their customers!! 
MILITARY PEOPLE, AND ALL PEOPLE, STAY AWAY FROM USAA!!!
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC (KY)

Call from D and A Services XXXX about a personal matter. They are a debt collection service trying to satisfy a debt and the call was recorded. I do n't owe such a debt. Left a message for me to return a call to XXXX. Asked me to verify my last four of SS number and dated of birth. I told them I do n't give out personal information to anyone I do n't know, especially over the phone. Then she attempted to verify my identity by giving me a bogus address. I told them that was n't me or my address and she asked for my address. I told them not to call me anymore. They said they would remove my name from their call list. This was a phishing scam.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I have been trying to get the credit bureaus to investigate some accounts that are being reported on my report, but so far they have not given me a solution, please verify the documents attached to this complaint. Thank you
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (VA)

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge on XXXX/XXXX/2015. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Consumer complaint received 2015-06-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (GA)

I requested a Qualified Written Request from Shellpoint Mortgage. I alleged that they change the terms of my fixed rate mortgage ( with no prepayment penalty ) each month I pay more than the minimum payment amount. I allege they are penalizing me when I attempt to pre-pay my mortgage. Normally, every mortgage company I have dealt with ( until Shellpoint XXXX will apply the additional amount to the principal and push the due date for the next payment into the future, effectively shortening my loan. Shellpoint does n't do this. They apply the additional amount to the principal, then the RECALULATE the remaining principal and interest to maintain the original maturity date and require the next month 's payment in full. Their business practice end up making the loan appear younger and they end up collecting more interest than standard industry practices, but me as the consumer have no built in cushion to get ahead in my payments. Shellpoint 's response dated XXXX XXXX, 2015 states they feel my QFR does n't apply to them, that my complaint is n't about their servicing of the loan. They sent the original loan documents from the XXXX mortgage company XXXX as it happens that company did not recalculate my note each month I overpaid ) and restated what I said, with the exception of how they recalculate the loan every time more principal is paid than what is due. I would like to ensure they are NEVER allowed to purchase XXXX my loans in the future, as well as insist they can not recalculate the interest and principal ( amortization schedule ) to maintain the monthly payment amount and say they are n't changing the terms of my fixed rate mortgage when I pay down my principal.
Consumer complaint received 2023-04-17
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TN)

I made a complaint against Capital Accounts on XX/XX/2021. My complaint number is XXXX, which they received the same day. In a blatant act of retaliation to my complaint and my dispute they manipulated my credit score by first adding an increase of XXXX  dollars on the debt owed and then on XX/XX/2021 decreasing the debt amount by XXXX  dollars in an attempt to make it look like I have accepted the debt and began paying on it, which resulted in my credit score dropping immediately. As I said in my original complaint they are clearly in violation of The Fair Debt Reporting Act. As stated in previous complaint I have sent them a validation letter, it has been thirty days and I still haven't received validation. I am becoming emotionally distressed with the tactics that this company is using against me, while trying to collect a fraudulent debt that is impossible for me to owe thus the reason why they can't not validate it. My next step is to let my lawyer handle this matter because it's just becoming too much for me and is mentally draining.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (FL)

I have been very successful in my life, but like millions of others, I lost everything in the XX/XX/XXXX-XX/XX/XXXX recession. My credit was ruined by my divorce. I have not had a credit card in 5 years I went bankrupt ( never filed ) I use to have an XXXX credit sore. I began to learn about secured credit cards and a friend told me Discover offered one with no credit check. 
You know a hard inquiry will hurt your credit I FILLED OUT THE APP, I was never told a Hard inquiry would be pulled. I HALTED THE APPLICATION BECAUSE I DID NOT HAVE ALL THE DOCS NEEDED I TOLD THEM TO STOP THE APPLICATION. I HAVE A RECORD OF 2 phone calls I told them to stop the APP AND 7 emails asking me to COMPLETE THE APP ... .WHICH WAS NEVER COMPLETED THEY PULLED A HARD INQUIRY WITHOUT MY COMPLETING THE APP WITHOUT MY PERMISSION AFTER TELLING THEM TO STOP APP THE CALLS ARE RECORDED SO WE CAN PULL THEM THIS IS DECEITFUL AND ILLEGAL- I never COMPLETED THE APP AND I HAVE 10 emails CONFIRMING THIS I WANT THIS HARD INQUIRY REMOVED FROM MY REPORT
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CO)

I ordered a phone from XXXX on XX/XX/2016. The phone was financed through XXXX finance company COMENITY BANK. 
The phone never arrived. XXXX was the shipper. They declared it a total loss. Fully insured by shipper, XXXX was paid IN FULL. My order was cancelled for a phone. I have been called by COMENITY BANK for payment on this phone & shipping Charges. I have explained this to them on every call. I have called XXXX about this. I have an email from XXXX assuring me a credit has been issued. Still COMENITY BANK calls for payment.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (VA)

I was billed the entire XXXX XXXX XXXX without them running it through my insurance which they had provided to them at the time of service. When they called to collect debt I let them know it had not been billed through my insurance and they said oh we are just hired by the hospital to collect the debt. Then stated we will call you back once everything is rebilled. I never received any other notifications calls or emails or mail until I saw on my credit report it was sent to collections. 

Name and info of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.
Consumer complaint received 2017-10-12
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. (TX)

I 'm sending this complaint to Equifax on behalf of the XXXX accounts that are suppose to be removed from my credit report as of XXXX XXXX, XXXX XXXX Please see the CFPB XXXX XXXX XXXX. I spoke with XXXX XXXX with the XXXX loans company and he stated that the request has been sent. Equifax is the only credit reporting company that still have these accounts on my report. This accounts are hindering me obtaining any type of credit to establish life after hurricane XXXX. Please see the CFPB XXXX XXXX attachment for my complaint and their response. Please see that i sent a Validation request and that is the reason why i sent the complaint to CFPB because they did not answer my XXXX, but someone signed off on the certified.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

There was a collection debt that has been recalled back by the creditor in XX/XX/XXXX, Equifax has not done nothing about it as of XX/XX/XXXX and still reporting it therefore affecting my overall credit score, I have filled a dispute with no results, when I try to access my account on the website I am always logged out, personal information on my account was changed by a creditor even after I submitted copy of driver license and social security card, there is no way to get a hold of the company customer service not on the website not over the phone, I was emailed links to see the investigation results but I can not access them because the link or the information is incorrect, I have searched online reports on complains about this company and find that time and time again thousands of complaints about this company from reporting to customer service, 1 ) why is this company allowed to report on persons/people credit report if they report incorrect information 2 ) why is this company still allowed to conduct business if they do not provide any customer service or the worst customer service in the world 3 ) why is this company allowed to conduct business if you can not access the information or dispute it I would like someone to provide information to me on how to have this company stop reporting on my credit report since the information they are reporting is incorrect, out of date
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I took 2 cash advances totaling {$60000.00}. This was from Bank of America during the month of XX/XX/year>. This offer charges no interest as long as the principle is paid within 1 year. This is what the terms on their website said : To activate this offer, you must request a Balance Transfer and accept the Terms & Conditions. This is an Online Banking offer and may not be available in financial centers or when calling the bank. Once activated, this offer may be used until XXXX XXXX XXXX 
The current transaction fee for balance transfers is 3 %. Effective XX/XX/year>, the transaction fee for balance transfers will be 4 %, unless you reject by XX/XX/year>. 

I called up on the phone to XXXX to reject the higher balance transfer fee and the automated prompt said it you reject the higher 4 % balance transfer fee, your credit card account will be closed. This information is not to be found anywhere in the terms of the cash advance transfer offer on their website which makes it misleading. 

As a result, instead of paying {$1800.00} for the cash advance, it now will cost {$2400.00}! 

I think a class action lawsuit needs to be started here!
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

XXXX/XXXX/17 -- Called Bank of America ( after receiving MANY calls -- -at least 3x per day and a letter in the mail ) to negotiate the debt I owed. Told the customer service agent that I only wanted to be contacted via written communication and no more calls. They wanted to negotiate MY debt based on my fiance 's income which I said no. They pushed for me to provide information on his social security number as well as income. I still said no. They sent my call to an agency that works to negotiate debts down and I had to speak to them even though I did n't want to. I declined their offer also. Since that call I have received COUNTLESS calls per day from Bank of America including voicemails. The two most recent have been XXXX XXXX at XXXX ( voicemail left ) as well as XXXX XXXX at XXXX ( voicemail left ). They also call at inconvenient hours which are disruptive to my life.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I applied and received a Capital One credit card. When I applied I requested paperless statements. On my records the card had an 18-month no interest grace period. 
XX/XX/XXXX the card charged interest. Upon calling, it came to my attention that the company could not find the original terms and did not provide them to me. The company agreed to waive the interest for that month and find and send the terms. I just received the letter -- it has NO indication of the grace period and no mention of any terms. It looks like a regular account of their fees and other practices. 
I 'm at a loss as to how to proceed.
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OR)

Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.