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: 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. (CA)

Equifax did not do a proper investigation into the issue. They continue to misrepresent the information and label it correctly. Date of first delinquency is not accurate. According to the original creditor. This is a continuous issue with equifax.
Consumer complaint received 2021-05-05
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. (NY)

XXXX has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.
Consumer complaint received 2020-09-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I filed a second dispute with Experian about a collection account ( XXXX XXXX XXXX ) To be verified by providing me an original signed document or for it to be removed as stated on F.C.R.A. section 609 and section 611. Experian has failed to provide me with an original signed document and has not removed the collection account.
Consumer complaint received 2021-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am sure this will involve TransUnion and XXXX, but XXXX has been a problem forever. I recently refinanced my home and also paid off my second mortgage and 2 auto loans. I have no alternative but for the accounts to close once they have been paid off. However, a drop of 66 points is just wrong. How am I supposed to improve my credit score? I have NEVER been late, my credit card balances DECREASE EVERY MONTH, yet I get dinged 10 % for closing an installment loan that has been paid off. I have tried to contact XXXX, but they offer not contact information and it is an endless loop of " contact an agent '' which brings me back to the same FAQ page. Is there nothing I can do about this? What is the incentive of paying off loans when the last payment is due if it is going to affect credit? If I get a loan now, I will have to pay a higher interest rate due to the decline in my credit score fro XXXX to XXXX. If anything, it should have gone UP. XXXX  lowered my score 66 points, TransUnion lowered it 46 points. What is the difference? There is nothing I can do about this, is there? Why bother with paying my bills on time? This is so wrong, and something needs to be done about it. I am livid. I did all of this to increase my score, but now I could file bankruptcy and probably have a higher score. Bunch of jerks. Do something about this. Now, the loan I was going to renew will be much higher. Thanks for nothing.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First Associates Loan Servicing LLC (CA)

ACTIVATE FINANCIAL IS TRYING TO COLLECT FROM XXXX, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED. 
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER. 
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

On or about XX/XX/XXXX a company by the name of First Point Collection Resources added two medical debts to my credit report. Amounts : {$430.00} from XX/XX/XXXXand {$110.00} from XX/XX/XXXX I was not given notification of this debt or given a chance to dispute/request validation.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America to report some fraudulent charges and they opened claims and credited my account for the missing/misused funds. After about a month or so, they did chargebacks and took those funds back out of my account causing a negative balance on my account. I called and spoke to a rep and reopened those claims because although I know someone accessed my cards without my knowledge, I didn't know who it was. I explained to the rep that I had family members who were displaced due to COVID19 and unknowingly to me, those family members allowed their friends to come freely in and out of my home. Those family members have since been made to leave, but someone still accessed at least 2 of my debit cards, and I have no idea who it was. I just know they used my cards without my permission and I contacted my bank to handle the problem. Instead of my bank handling the problem, they closed my account and revoked my access to it. I have been a customer since 2011 and this is how I'm treated. I have never had any issues like this in all my years of doing business with Bank of America, but they closed my account and blocked my access.
Consumer complaint received 2017-12-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Chaparral Inc (OH)

I have told XXXX XXXX whose number is XXXX several times that my husband has lost his job and will be back at work at the end of this month. Via email and phone. Today I get a harassing text and phone call from someone stating that they are an investigator named " XXXX '' and that they are calling the Sheriff to come to my house. This was also communicated to my parents and friends I have listed as references on this motorcycle loan. The person than began to text message me repeatedly after I asked them to please stop. This has caused more stress than our financial situation we are currently going thru. I want this harassment and threats to end. We have never been late on any payments until this loss of employment happened. We should not have to deal with such harassment
Consumer complaint received 2017-12-20
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: Opportunity Financial, LLC (CA)

First of all I am a veteran so I cant get payday loans. Look me up. Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me. Also where is my actual signature. Electronic signature I would never do that for a loan. 
2nd this person was awfully rude. Unbelievably rude. 

That is not my bank if you must know. I go to a well known bank which I wo n't be giving any information because I still do not know whom this company is. 

Because I do not know whom you are. The number you gave me was out of state. Now you are being incredibly rude to me.
Consumer complaint received 2020-06-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$3500.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Transaction made at XXXX, XX/XX/XXXX, for {$55.00} with my Capital One Account. I contacted Capital One before transaction as to how this was to be charged to my account, and was informed it was a transaction with a fee since it was cash going to an inmate. When I received that statement it showed a fee of {$5.00}, but also a Cash Advance balance, subject to interest rate of {$16.00} and Interest Charge of {$0.00}. This was not explained to me before the transaction. I was told the charge to cash Advance was a mistake, and would be removed. The following month it was still on my statement. I called again and again informed it would be removed. 
I made the mistake of not checking my statement each month, just making sure I made my credit card payment each month. ( I was having illness issues ). 
Fast forward to XX/XX/XXXX, I decided to read my complete statement, and that is when I realized this charge was never removed and had increased to {$210.00}. This was on a {$55.00} transaction 6 years ago. ( I realize I should have been more observant ). 
I contacted Capital One to discuss this and asked them to remove this charge based on my earlier contact with the company. I was informed it could not be done. I was then told the only was to handle this is when I make the minimum payment to pay an additional amount, and it would be applied to this CASH ADVANCE balance. If I had been informed of this from the beginning I could have paid the {$55.00} amount the next payment due date. 
I tried to work out and arrangement with a supervisor ( XXXX, Employee # XXXX ). I asked since I had been a very good customer almost 20 yrs, could they eliminate this charge or that I could pay half of this charge? He repeatedly cited the section " How to Calculate the Interest Charges ''. This section does not refer to when a transaction is charged as cash advance. I was not informed correctly from the beginning. If I did not get the info in writing I should not have trusted them. I would like this to be corrected so no one else has to suffer. THANK YOU
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

All three major credit bureaus Equifax, XXXX and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. 

According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. 

All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. 

Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. 

Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal,  Family, and Household.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I have several inquiries on my experian credit report that I did NOT authorize. This dealership had my personal information from XXXX and have called me constantly trying to get me to buy another vehicle from them. In XX/XX/XXXX I went to dealership to look at a vehicle. I did NOT give them any information to run my credit in XX/XX/XXXX. They were not even suppose to have my social security number on file..but they did.. Next thing i know i had several inquiries on my credit report.. I called the dealership and the manager just said " oh well dispute it '' .. On XX/XX/XXXX i called experian to tell them about the inquiries and was told since i bought a vehicle from that dealership in XXXX, I could not dispute it even thought I never signed anything or gave verbal concent on XX/XX/XXXX for them to run my social security number again.. I DID NOT GIVE THEM THIS INFORMATION!!!
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

XXXX XXXXXXXX is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
XXXX clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. XXXX  XXXX  also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2013 I opened up the Chase freedom card with Chase bank when I open the card I had a {$5000.00} limit they told me in time with good payments history the APR would lower. Did you not keep their agreement the APR never drop down but the credit limit did rise the XXXX is where Im at right now I called Chase for years now bargaining with them to lower my APR they havent budged I have 69 straight month with perfect payment history.. chase did NOT keep their agreement the APR, it never drop down but the credit limit did rise to XXXX is where Im at right now I called Chase for over four years now bargaining with them to lower my APR they havent budged I have 69 straight Months of perfect payments I called up Chase a few months ago and they put A bank monitor name Mr. XXXX on my case to modify it he call me roughly a month ago and told me theres nothing they can do they will not lower my APR when in fact they can lower it from where Im sitting now at 24.75 on Transactions they can definitely lower it to at least 17 % and they have not budged they have not moved they have not been anything but denied my request and reneged on their agreement with the credit card Im looking for help to resolve this matter and Im hoping that the CFPB can thank you for your time its highly appreciated l!!
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FTC IDENTITY THEFT REPORT Attached Transunion is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Fraudulent INQUIRIES XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX DEPARTMENT OF EDUCATION DATE : XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

It has been since XXXX last year ( XX/XX/2021 ) that every time I make an additional payment toward my principal, Mr. Cooper ( formally Nationstar ) mortgage company applies part of that amount to my monthly payment without my permission, even though my monthly payment has already been taken care of and paid. They have not applied those amounts correctly for the past 7 months, and every month after I make that additional payment toward the principal, I have to reach out via email to have those amounts rectified and applied correctly. 
Attached is the email correspondence with the mortgage company and my mortgage statement showing how many times they have applied those amounts incorrectly and than had to reverse them to applied them correctly.
Consumer complaint received 2019-08-15
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: SYNCHRONY FINANCIAL (MD)

XXXX XXXX - SAMS club has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the SAMS. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by XXXX XXXX, 30 days late and XXXX 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or SAMs as a whole removed from my credit history. SAMS was paid in full and I had them close the account. Why is date of status at XXXX???? in the XXXX  report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is optional, but not by law. This can be removed at any time. I asked SAM to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and SAMS. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

SYNCB is the crediting bank.
Consumer complaint received 2017-12-20
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (CA)

On XXXX Navient contacted not only my employer XXXX XXXX, but contacted an individual store regarding collecting my debt. This is highly embarrassing and they were abusive to the store associate they got in contact with. They shared my personal information regarding debt owed with my company.
Consumer complaint received 2019-08-15
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. (VA)

Noticed a hit on my credit score provided by XXXX 's webpage. Ignored it. 

Got 2 more hits on my credit score and identified the hits as coming from XXXX XXXX. 

I haven't used a XXXX XXXX Account for more than half a decade. 

I went online to my old XXXX XXXX account, their FICA score app identified the hit on my credit score as coming from a XXXX XXXX XXXX   account. 

I called XXXX XXXX and they checked their system. They said there is no XXXX XXXX XXXX  account associated with my Social Security Number in their system. They said that it may be identity theft. They told me to check my credit report and file a claim. 

I checked my credit report and the hit is identified in my credit report. It was definitely not me and XXXX XXXX agrees with me. 

I would like to file a claim.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (AZ)

I applied for a SBA loan and was granted {$31000.00}. I had it sent to my checking account in my name, since I do XXXX  as a XXXX XXXX. The credit union started acting very suspicious after I asked about removing the money for XXXX  reasons. I was asked for all types of documentation and I supplied everything asked of me. They would not release the money. They were not properly instructed on how the loans worked and who was entitled to receive them. They eventually said they would sent me the money in a cashiers check, but in reality sent it back to the SBA. My XXXX  has been suffering because of these situation. They closed all my accounts and shut me out totally.