davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NV)

Comenity BankXXXX XXXX closed my account XX/XX/XXXX for no reason I paid from XXXX to XXXX with no late payments. as to all 3 of my credit bureau reports. 
Closing my account caused impact on my credit.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Good Evening Capital One. As you can see, I have a long-standing relationship with your company but today I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected or fast enough. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report. Today, when I saw that balance I went ahead and made full payment.
Consumer complaint received 2022-11-16
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)

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. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 an 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 2021-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

I got a loan on about XX/XX/2021 in my chime account and they had my acct.open after i received my loan of XXXX for about a week so on the XX/XX/2021 they closed my acct and i have emailed them time after time and after the second day they said i would have something in my mailbox in a week and i went to my mailbox and i hadn't received anything from chime so i emailed them back and they sent me an email saying i will receive something in my mailbox in 2 to 3 business days and i still haven't received any kinda do documentation letting me know why they close my account and the people who deposited to me is wombly they also contact chime because i have been with them for 3 years and chime let them know that they have no problem with them depositing my funds because i was in good stardards with them i have the email frm wombly to prove that they contacted chime before depositing my funds its now XX/XX/2021 and i have yet heard from chime they telling me that they are not gone refund my money and im not understanding why they haven't given me a direct answer and i also have other deposits coming to my card that im not able to get thats not right for them to just take my money and not tell me anything i really need help with resolving this matter i cant contact no one to talk to or anything i have bills that need to paid lije asap and i cant get no help with this matter
Consumer complaint received 2018-02-27
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX I had attempted to have a authorized charge of XXXX go through. I was noticed that the charge was denied. I proceeded to log into my account to see what the issue was. I had received no notification on my phone or email. By that, I mean that if there was unusual activity on the card, I would receive a notification. I log into my account and was shocked that my limit was decreased from XXXX to XXXX. I had received no communication of any kind that this would happen. 

I had called my credit card company to found out why my limit was decreased. I was told that due to my other accounts having high limits, that the XXXX report submitted to my credit card company was the reason my credit limit was reduced. I have made 100 % on time payments and explain that I was supposed to be notified weeks in advance, but the representative could not give me a clear answer. I have a store card with my credit card company where my limit went from XXXX to XXXX! For the store card, the only reason I need about it is that I had receive a letter from my credit card company on XX/XX/XXXX, two days after I already knew that my balance was decreased.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-04-27
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. (PA)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$630.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and SBI do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and XXXX do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NY)

Hello. 

I have a loan with One Main Financial. I fell into a financial hardship and can not pay the loan right now and told them that. I told them I was working with a debt relief company and they will get their money. For the past 2 weeks, I have been THREATENED through voicemail regarding paying the loan and them taking my LEASED vehicle. This has caused tremendous stress on me and my family. I understand that I would receive calls but I should NEVER BE THREATENED!!!! 

This should not be happening to me and I need some help.
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (MO)

I, XXXX XXXX entered into a consumer credit transaction with Speedy Cash finance on XX/XX/2018. A consumer credit transaction is as transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. I have been receiving bills from Speed Cash since XXXX which is a violation of 15 usc 1692b. Also, I sent them a certified letter in the mail, stating I wanted them cease and desist. They have received my letter on XXXX XXXX according to the stamp but have still got a withdraw out of my account from them on XXXX XXXX.
Consumer complaint received 2018-03-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

In 2012, Ocwen Loan Servicing cozied up with shady XXXX   XXXX  who scrambled and then obtained the phony XXXX file that was sitting on top of the pretender lender loan servicers criminal CEOs desk that is stuffed with fabricated documents, forgery and fraud, manufacturered force place insurance policies, false principal balance, false payment history, void assignment, manufacturered note, and lots of other fraud and then started slandering my title again and again to embezzle. Shady Ocwen was using and adding false information, false balances, false dates, false payment amount, false bankruptcy information and other false information to all three major credit reporting agencies, XXXX, XXXX and XXXX. Ocwen Loan Servicing intentionally done these quiet crimes for years and intentionally failed to respond to my many letters and complaints regarding credit reporting intentional fraud errors for many years causing me exteme harm. I have most of my credit reports that will be given to the court. Fraudulent Ocwen shady employee XXXX XXXX who is assisting her white collar crime operation with embezzlement intentionally removed Ocwen incorrect information from my credit report to sweep another white collar crime under the fraudulent CEOs desk. Never would of thought that Ocwen could brainwash a young new lawyer to assist pretender lender loan services with fraud criminal white collar crime embezzlement. This complaint is evidence that I have spoken with the City of XXXX Mayor who forwarded my matter to the sheriffs. Crooked pretender lender loan servicers and lawyers who tweak up the laws to hide from crimes they commit are the ones who always fail with thousands of open lawsuits. This is what incompetent crime bal people do!
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (NY)

On XX/XX/XXXX I enrolled in Freedom Debt Relief ( FDR ) Program to consolidate 6 credit cards and to lower the original amounts owed. I spoke to a representive XXXX XXXX and he stated I can pay {$160.00} bi-weekly and they will pay all my credit cards over a 2 year period. I was told if I get any letters from any credit card company to foward it to FDR and they will take care of it. I was also told DO NOT pay ANY credit cards or make any settlements. After 2 years with this program I noticed no settlement was made for 1 of my credit cards, which was XXXX XXXX credit card. I owed {$3900.00} when I enrolled. 

XX/XX/XXXX I received a letter from a law firm XXXX, XXXX XXXX XXXX stating my XXXX XXXX credit card was sent to them due to non payments. The letter stated I owed {$4500.00}. due to no payments made on the account and late fees. I called FDR and asked why no settlement was made on this credit card and was told there was not enough funds in my account. I was told to foward the letter to them, which I did. 

XX/XX/XXXX I called FDR to inquire about the XXXX XXXX account and asked why no settlement was made and was told not enough funds in my account. I was told a settlement will be made in XX/XX/XXXX once they pay off 2 other credit cards that had smaller balances. 

XX/XX/XXXX I spoke to FDR and was told that the lawyer representing XXXX called FDR and asked for a 1 time payment of {$3200.00}. When I asked why I wasnt informed, I was told " Do you have {$3200.00} to make that payment ''? I said of course not. I then removed the XXXX XXXX account due to them not making any settlement. 

XX/XX/XXXX I called FDR and terminated my account. 

This outstanding balance is on my credit report and it is damaging my credit. 
I am trying to refiance my truck and I am getting denied because of this account on my credit report. I would like to have FDR held accountable for mishandling this account for 2 years and not informing me aboout the settlement the law firm offered.
Consumer complaint received 2022-11-16
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. (GA)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 an 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 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA FED SVG BK- XXXX XXXX  Closed account XX/XX/2020 I did not receive any notices by law for the car by USSAA FED SVG BK XXXX XXXX bank no notice to retain the car. 
My husband and I was going threw a divorce when he took the car change all information and insurance. I was a victim of XXXX XXXX. My husband lost his rank in the XXXX and discharge him on base. I could not find the car or knew where he was or the cars. 

I don't understand why I never received any notices after writing the bank and getting the run around. Every time I call it was another person never no one person. Some one going to call back but never call to resolve none of the issues at hand.
Consumer complaint received 2021-05-27
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: Avant Holding Company, Inc. (AR)

AVANTCREDIT AND XXXX XXXXMUST SEND LETTER TO XXXX DEMANDING THE REMOVAL OF MY ACCOUNT FROM THEIR DATA BASE AND TO UN SUPRESS CREDIT FILES TODAY
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted numerous disputes, and no investigation has been performed. only offer from reporting company is to contract privately through their sites and different channels of dispute. I will keep re-opening my dispute until I am satisfied with investigation. I also have other agencies review for liability. My question can Experian show me the L.A.W./Statue that invalidates my electronic statements as proof of my address?
Consumer complaint received 2021-05-27
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. (CA)

There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$360.00}
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello - I reached out to Bank of America in XXXX of XXXX to look into refinancing my existing home loan. The main reason I went with them is because they have the loan already and I thought I could save some money/time. 

After going back and forth between loan officers the process got so confusing that I started asking questions. Knowing what I could sign electronically and what I couldn't was almost impossible to tell through their portal. Half of the time, uploading docs through the portal wouldn't work even though I ensured their size and formatting was correct. My questions to my primary and secondary loan officers went without answers. 

I pinged them multiple times to see where the loan was at - no response. When I finally got a hold of my loan officer, the time to provide documents that I didn't know the underwriters were asking for, had lapsed. Loan/attempt # 1 : Dead. 

The loan officer was so nice and convincing when talking to him about the disfunction - he owned up to not calling/communicating in a timely fashion. I was also now able to get a lower rate, so I went for it again. 

In early XXXX I tried the entire process again - paying for a new credit app fee again. Scanning documents and chasing info down again. This time I got it back to them very fast, concerned that the loan application could have the same issues as the first. 

The last correspondence I had with a loan officer was on XX/XX/XXXX. I made sure that the ball was in their court and I have that email to prove it. After getting nothing else back, I started to check in again with them to see where we were at. Each request got nothing back, so on XXXX, I CC 'd management and asked if they could get me a status. 

The sales manager/vice president ( of what I do not know ) came back with an email on XXXX stating that the loan had expired because of lack of needed documentation. I shared with him the email proving that I was in good standing and providing docs when asked. This time the Refi process went from " you are good, we will let you know '' to " the loan has expired because of the lack of documentation '' within 2 weeks. Each time I asked for a status after XX/XX/XXXX I got nothing back. 

They are supposedly working on getting me credited both credit application fees. Thank goodness there wasn't an appraisal fee associated. I will never use BOA again and will be actively shopping my refi around with someone else that I can hopefully trust. Sharing this in hopes that other will also avoid spending a ton of time and energy for nothing - stay away from BOA!!!
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

This is a transfer debt, from a former collection agency that I informed and showed proof that this is a fraud account that was open with XXXX. I have no knowledge nor had service with this company. This company keep coming up with debts that are fraud and not trying to resolve it with me.
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (VA)

I emailed you and advised you I do not know who you are or what this debt is you claim i owe you. 

Without contacting me you reported a collection to the credit bureau 's intentionally harming my credit like the cowards you are. 

I will not pay one red cent. According to your address it says you are based in California. Well I HAVE NEVER LIVED in CA, so how could i owe you almost {$5000.00}?! You see how you never can produce a signed contract when I dispute the bureaus? 

You have the wrong person
Consumer complaint received 2020-12-03
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.