davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXXXXXX XXXX  dont ever do this!
Consumer complaint received 2022-02-10
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. (SC)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-02
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. (SC)

I track my credit information monthly, and two out of the three companies have my numbers in the 700. One has my numbers in the mid 600. I check my report and they have not updated my payment history in four months. When you go to dispute the information they say the card companies have not sent the updates. How is it the other two companies get the update monthly and this one does not get any for four months. You are directed to contact the credit card companies. I don't think it has anything to do with the card companies, I think it because I am XXXX American and it known that some of us have bad credit but to keep the one down who have fairly good credit is unfair to say the lease.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXX XXXX  dont ever do this!
Consumer complaint received 2023-02-15
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: Affirm Holdings, Inc (MD)

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 purpose.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received a response back from Experian as well as XXXX stating that there was no update to the accounts in question ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ). After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response.

Most recently I have sent letter to the Credit Reporting Agencies ( XXXX, XXXX, Experian ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy on my credit report.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I started a mortgage process with Bank of America in order to buy a condo. 
The BA mortgage agent communicated both via email and the BA platform with us and his emails were always signed and included a BA footer with his headshot and address.

After numerous emails that included my real-estate agents and my lawyers, as we were getting close to the closing date ( the week of ) and we were wrapping up the last details, he sent us information for the wire transfer for a XXXX down payment. 
The document had the XXXX title logo and a Bank of America bank account to transfer. 
I completed the transfer at my local Bank of America office - 24h prior to closing date. 
He then sent us information about the closing date and time and location ( important fact ). 

I showed up at closing the next day to discover the down payment wasn't received by the XXXX Title association and I immediately recognized the fraud and checked my emails to discover that the last 3 emails were sent from the same name ( same footer, and as replies of previous conversations- but from a different email ). 

What made the situation more difficult was that the real agent stopped answering his phone bot the day before as I was trying to confirm the transfer with him and during closing, when he didn't send the closing papers - and " went on vacation '' without announcing this, we found out from his manager who eventually sent the closing documents. 

I reported the incident with Bank of America several times and nobody contacted me or even followed up on my claims. After numerous phone calls, Bank of America sent a " declined '' answer to my fraud investigation request, and they refuse to provide any explanation on why a claim involving a fraudulent email labeled BA and another BA fraudulent bank account shouldn't be held accountable in this case ( without a subpoena ).

Let me know if you need any details or documents but I would appreciate any kind of resolution you can provide, Thank you XXXX
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (MD)

I sent a complaint to LVNV Funding LLC and RESURGENT CAPITAL SERVICES responded to my Federal Complaint. I do not have a contract with them or LLC Funding LLC for that matter. Neither of them are the Original creditors pursuant to 15 USC 1692g. 

LVNV Funding LLC must respond to CFPB Case # : XXXX.
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I am working now and need to apply for a loan modification. I just want to modify my loan, improve my credit, remove all the fees, and start making payments again with fees removed and late payments applied to the back of the loan. I am making $ XXXX so I can afford to make the payments again. 

This all started when my loan got transferred from XXXX XXXX XXXXo XXXX XXXX XXXX and snowballed ever since. Now it's with Specialized Loan Servicing in foreclosed status. 

History Company Dates XXXX XXXX  XXXX Mortgage XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ( Never Honored XXXX XXXX  Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) Specialized Loan Servicing XX/XX/XXXX - Present ( Never Honored any Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) In addition, SLS  has broken many debt collection practices. A copy of the voicemail is attached below. 
XXXX at XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TX)

This company bought my information from a company that I had returned the merchandise to. The company never corrected my account that I closed back in XXXX. This agency is still today 5 years later is updating this account and will not correct that this account was closed in XXXXThey have and is calling my family members about this account.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY NAME IS XXXX XXXX XXXX FILE # XXXX .... I AM SUBMITTING THIS COMPLAIINT WITHOUT ANY INFLUENCE FROM AA 3RD PARTY OR AGENCY PLEASE SEE ATTACHED WHICH INCLUDES MY ID, FTC AND A STALL TACTIC LETTER RECEIVED FROM TRANSUNION.
Consumer complaint received 2021-04-11
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: Experian Information Solutions Inc. (IL)

Experian is reporting INACCURATE / negative information on my credit report ; they're reporting that I have 2 collections, from XXXX XXXX XXXX. I've been disputing with Experian since XX/XX/2021! I sent dispute letter to Experian, Certified mail with return receipt, which was signed for upon delivery. Experian has refused to investigate and remove this inaccurate information. 

I can not obtain credit due to this inaccurate reporting.
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

We received an email to our business from Chase Bank on XX/XX/2021 at XXXX notifying us that " we can not use your account ( s ), and we will close it soon ''. The email instructed us to read a letter in our Chase account under " Statements and documents ''. By the time we received the email on XX/XX/2021 at XXXX, our account was locked and we were never able to read the letter. As of XX/XX/2021, we have not received anything in the mail either. 

We have been calling the local branch to understand what happened and to withdraw our {$32000.00}. The branch manager has no information to share. We called the loss prevention department and spoke to a XXXX ( Supervisor ) who informed us that Chase can terminate the banking relationship at any time and for no reason. The supervisor further stated that Chase also had the right to withhold our money and therefore our money would not be returned to us. She offered the solution of us contacting our customers to see if their banks would be willing to draw back their deposits and the customer reissue the payment. This is not a viable nor acceptable option. 

Chase has been illegally holding our businesses money for six days not without any resolve. This has severly impacted our business and we are not able to pay our vendor invoices because they refuse to return our money. 

We have been Chase bank patrons with several business bank accounts all of which are in good standing. When we opened our business checking and savings accounts with Chase, we in good faith deposited our money with the understanding that it would be in safe keeping. WE DEPOSITED MONEY FOR CHASE TO LEND ON AND NOT TO STEAL OUR HARD EARNED MONEY FROM OUR SMALL BUSINESS. 

A simple XXXX  search will show you that this is a common practice for Chase Bank and their customers need to be made aware of such bad business practices. 

We need help in getting Chase to return our money and NOT ILLEGALLY HOLD IT FROM US. 

Thank you in advance for your help. 
XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Union Bank Credit Card ( Card ending in XXXX ) I used their Promo Balance transfer option. 
" Enjoy 0 % Promo APR on Balance transfer through XX/XX/XXXX '' ( 3 % fee ) I transferred {$8000.00} into my account and paid the {$240.00} fee. 
Total amount of {$8200.00}. Transfer on XX/XX/XXXX. 
Since I had 0 % interest till XX/XX/XXXX, I set up automatic Minimum payments on that account, but on the first payment, Union Bank took the total Balances of XXXX XXXX out of my XXXX  XXXX XXXX account. 
So they basically made the {$240.00} fee for them self. The {$8000.00} was in my bank for about 2 1/2 weeks. I called them several times and basically just got the " Run-around ''. 
Like saying someone is gon na look at it and contact me etc. Never got a call back. I called them like 5 times in a 10 day period. 
They just cashed in the {$240.00} and ran!!!!!!!!
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX ( account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX ( account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.
Consumer complaint received 2020-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Received a letter today, XX/XX/XXXX, dated XX/XX/XXXX which happens to be my B/D, from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One '' What kind of XXXX is this? I called and got a human being, which is unbelievable this day and age, I told the guy the above story. He says I have been a customer since XXXX. I told him I had an {$8000.00} credit limit and now your are reducing it to {$2000.00} dollars just because I havent added thousands of dollars of purchases to my account? I told him that wasn't right. It was nice to have the higher credit limit in case I would need it some time. What did I do to deserve this? Supposedly the call was being recorded and I would love to hear what the higher upper XXXX thing of this! Of course they don't care about the average customer. As I wasn't a happy customer I told them to close my account. The Rep didn't even try to keep me as a customer. I AM NOT A HAPPY CAMPER!
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XX/XX/XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I had to use my card make a large purchase as I could not goop into the bank to get a wider. I made the down payment in XXXX of 10k and called to let them know what I was doing and there would be more. I made the rest of the payments in XXXX and XXXX and I would immediately pat it off. In XXXX I accidently paid the payment twice of 19k. I called them and let then know what had happened. The customer service agent had said that everything would be fine.The next day they closed my account and 4 other Synchrony accounts with no notice. I found out when I went to use the card. 

When I called them they could not give me a reason just that they could close them at any time. The first two agents were terribly rude taking to me like I was a criminal. I asked why they had not contacted me. They said I would receive a letter. I had been a customer for 15 years and paid my account in full every month. I did speak to a supervisor who says he would appeal it. 

We received the letter in the mail and it said they had been closed with the reason : activity on accounts with Synchrony bank indicative of high risk of failure to pay. Which I had over paid from the account I always paid from. This was dated XX/XX/XXXX. I received another letter dated XX/XX/XXXX stating they were closed due to the high number of accounts we have with Synchrony. Which I have had the same number of accounts with them for several years. 

Their action caused my credit to drop from XXXX to XXXX XXXX appox ). I have worked my entire life to have good credit and now I am almost ready to retire and they destroy my credit. They should not be able to have this kind of power. I have read reviews that say Synchrony discriminates towards seniors and maybe that is the reason.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX .That made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXX XXXX It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX , that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.