davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}
Consumer complaint received 2020-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020, I checked my XXXX  XXXX  XXXX  and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, XXXX, TransUnion, and XXXX. 

Thank you in advance!
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (KY)

I was left a message that said if i didn't answer the call from this unknown number after three attempts they would be contacting my payroll and HR department. I then called the number and they stated that I owed us bank approximately 1,700 dollars. I told them i knew nothing about this so they emailed me a affidavit for identity theft requesting all kinds of privy information from me and said I had 2 days to complete it. At this point I called them back to find out the companys name and address and proof that they owned this debt and they would not give me any more information.
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I was hoping it wouldnt come to this. But XXXXXXXX XXXX deserve to be protected!! I lived at XXXX XXXX XXXX for 2 years. I gave them 2 years of loyalty, never a late payment in spite of having to deal with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX one of which was a good friend of mine in the neighborhood who owned the liquor store across from the apartment complex that happened directly across the street from my apartment unit and another third shooting that happened in my apartment complex at XXXX XXXX. Is one supposed to have to live like that? I carried out 2 years and when it was time for me to sign my third lease I had the option to sign that lease 2 months in advance. At the time my finances were not in the best position to move so I went ahead a signed the lease. Well, things changed when my friend was shot at the store, I needed to desperately move and for a peace of mind. My XXXX, my friend had just been shot and killed in his own store that I frequently shopped at. I never asked for any sympathy but 1 month before my new lease was supposed to go into effect I went to talk to XXXX who was the XXXX XXXX XXXX of the company that owned XXXX XXXX XXXX which was XXXX XXXX. I just asked that because my lease had not gone into effect could they simply waive the fee that they charge to break the lease. I've been a great tenant despite the issues. You have already taken my deposit that I paid which I never got back. Now you want me to pay {$800.00} to break the lease. so boom they put the {$800.00} on my credit when they know I'm moving to another place. the debt hit my credit faster than I could move out. So now I just recently settled the payment at {$400.00} which they could have offered that before and met me half way but now it effects my credit. This how you do XXXX people when it comes to credit. The lease had not even gone into effect. This entire situation was insane. I held up my end of the bargain by paying 2 years straight but they failed me as a tenant. provided no safety measures following the first shooting, didn't even offer resources for therapy for the mental health issues that could arise from simply hearing XXXXXXXX XXXX. we do our communities a disservice when we don't show empathy and we make it all about the money. that is pure greed.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

My complaint is against LVNV funding. I sent a registered letter on XX/XX/XXXX requesting verification of the debt, because they had filed, and then withdrew a small claims case against me in XXXX County in XXXX of XXXX. I have been given no response. As well, I have disputed their credit reporting on my record for the " date opened ''. They have re-aged the account as opened XX/XX/XXXX, which is completely false. Their continued reporting of this account as being opened and then not paid, shows as a " recent delinquency '', and therefore is causing me great hardship with any financial turns I take. I have been denied credit multiple times due to their false dating of this account.
Consumer complaint received 2018-06-16
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. (AL)

This should be sent to Equifax, XXXX, and XXXX  I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2020-07-15
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: CBC Companies, Inc. (CA)

I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my report.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (NJ)

The debt collector, Pressler, Felt, and Warshaw representing XXXX XXXX ( XXXX XXXX XXXX ) has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (CA)

I have sent NCB Management Services numerous requests to fix the in accuracies on my credit report since XX/XX/XXXX. I have also disputed the account with all three credit reporting agencies as well. NCB is still reporting inaccurate information to the credit bureaus. I sent NCB a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and they received the letter on XX/XX/XXXX asking for an investigation under the FCRA FRCA 623 ( a ) ( 8 ) and they failed to investigate the inaccurate information and send me the documentation that I requested.
Consumer complaint received 2023-07-25
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. (MA)

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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-03
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. (CO)

I've been very carefull since I filed chapter XXXX. I even bought and paid off a car and my score kept going up an up and it should. In Experians site itself it told me to increase my score by adding another credit card a XXXX XXXX  card that Experian itself recommended I get again this was within their site while logged into my account. So I applied was turned down then they lowered my score by 33 points NOT for being late paying anything but for following their directions. Why am I being punished so severely when during a pandemic I not only was never late on any card or loan but managed to pay off a car loan ahead of time and I get my score lowered??????
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (WI)

I first initiated a dispute with Experian and XXXX  regarding XXXX  XXXX XXXX in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the XXXX  XXXX XXXX account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four dispute letters to XXXX  and Experian asking to verify the account. Experian and XXXX  claimed they have verified and validated the XXXX  XXXX XXXX account all four times. I sent in a fifth letter to Experian and XXXX  via certified mail in XX/XX/XXXX showing proof that I was not late on my XXXX XXXX XXXX account in XXXX and XXXX of XXXX. I also sent a letter to XXXX  XXXX XXXX in XXXX of XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XXXX of XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to XXXX, Experian, and XXXX   XXXX XXXX that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Today XXXX2020 I attempted to call Experian. I waited 30 minutes only to have the gentleman who answered hang up on me within 1 minute.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC (OH)

XXXX XXXX XXXX paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX CNAC is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing
Consumer complaint received 2016-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (AL)

This is a complaint against Chase Mortgage, for both my primary home mortgage and my home equity that is still reporting on my credit report as negative. I held both a home equity and XXXX mortgage with Chase. I applied for a HAMP loan and my loan was soon put into foreclosure. I had sent in the large application packet probably about 10 or more times, with responses back from Chase that my documents were now " expired '', though they were valid upon submission. I even hand delivered my packet to a HAMP processing center in Colorado. 

There were many errors and false information about the HAMP process conveyed to me by Chase. The first of which I was advised by Chase representatives that the only way I would qualify for HAMP was to let my mortgages and equity line go into default. Another grievous error was that a phone representative marked my application as a " short sale '' though I never indicated I wanted to short sale my house. My whole point of applying for the HAMP loan was to make my payments more affordable. 

Due to the mishandling of my application, I later received a settlement of {$2000.00} from Chase as part of a class action lawsuit. They prolonged my HAMP application for nearly 2 years, whereby I incurred interest, stress, and the nearly two years of accrued unpaid mortgage payments, ( that I would not pay until I was assured I was indeed qualified and would not lose my home ). My modification was finally approved literally the week my house was to be put up for auction. 

Additionally, Chase turned over the servicing of my account to XXXX, who at first contested that I was HAMP approved. I had to fight and wait to know for certain my new loan payments under HAMP were being applied and I was truly no longer in foreclosure. I had been paying Chase, but when it was transferred to XXXX they did not have my Chase records for a long time, leaving me to believe I was never approved. XXXX kept telling me that had no records of my HAMP approval for CHASE, though I had already started paying on my trial period payments. 

As it stands I was able to remove the Chase Mortgage from most of my credit reports, but my Home Equity is still showing as derogatory on my credit reports and has the incorrect last date of payment, ( I did not make a payment in 2011 ), and other errors on the reported account. I would like all my past derogatory accounts with Chase Mortgage deleted from my accounts. Also, if there is any other compensation that I could receive for all the XXXX and time that Chase caused me over the years stalling the HAMP process, I would like to know. Thank you for looking into this matter.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

An attempt to open a credit card in my name with Capital One with inquiries on XXXX on XX/XX/23 and XX/XX/23 fraudulently. I contacted capital one, they stated an account was not opened but they could not do anything about the inquiries that were placed or find out who was requesting them.
Consumer complaint received 2020-10-18
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: Credence Resource Management, LLC (TX)

Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I had my account on auto draft for 71 payments. I did not know that the 72nd payment needed to be sent in by check. I received 0 calls, texts, emails, or mail about my last payment being late. I found out through my credit reporting. This showed me as being 30 days late on my last payment. I have 20 years of never missing a payment and now it is ruined. I disputed this and the company would not remedy the problem and left the late charge on my credit report. How am I supposed to remember that the late payment 6 years later was supposed to be by check?!?
Consumer complaint received 2024-04-05
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: SYNCHRONY FINANCIAL (CA)

Violation of Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. 

Refer to Case : Synchrony Bank, XXXX GE Capital Retail Bank XXXX XXXX XXXX XXXX XXXX XXXX CFPB Orders GE Capital to Pay {$220.00} XXXX in Consumer Relief for Deceptive and Discriminatory Credit Card Practices XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had brought him in around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He was in perfect time for the vet to induce vomit. The Vet, however, asked a few general questions and sent us home. 
On around XX/XX/2021, I was offered the option of paying with CareCredit. I was approved for part of the XXXX XXXX  {$4900.00} with 6 months no interest. As I was signing up, I was offered Debt Cancellation product in the event I lost my job. When I inquired over the phone about further information on the program, I was told it would be mailed to me. I was not told that I was ineligible for the program. Given the grave circumstances my dog was in, and the uncertainty caused by the Covid-19 pandemic, I accepted. 
Had they provided details on the card security program, I would not have accepted the debt or the payment protection at all. Instead, I would have put it on one of my XXXX XXXX cards. 
Fast forward 6 months, XXXX XXXX XXXX XXXX XXXX I wasnt sure whether to submit a claim or not. When I called to learn about the details of the program I was pointed to a website XXXX  which was down. 
I could not access any of the information necessary to file a claim. Much later, after deceptive practices attempting to keep me from filing a claim, such as the website is down still, well mail you the claim forms and weve canceled your debt cancellation product without your knowledge, I learned that I was not even eligible for the product given that I worked for myself. 
I am a victim of Harmful, unfair and deceptive marketing practices, which are in violation of UDAP : Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. 

For more details and proof of FTC Violations, see CFPB XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (LA)

XXXX, XXXX is the balance but original balance was XXXX They sent me a alert but report is still not correct, XXXX has ensured me that the information has been certified correct and accurate. But that information still contains A disconnected non working telephone in which their is no new number at this time according to the recording when get when you call the number on the telephone that is on my credit file. Now according to the law everything must be accurate or it must be removed and they certified this as a reinvestigation. Not the mention they also certified that XXXX also that their information was accurate also but am not believing it. After what they did for the first one I cant believe anything they said. At this point I wan na know who and how they verified the information. Who do they talk to where did they get the information from, what was their source? Did just pull it out the air.
Consumer complaint received 2022-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (MD)

XXXX I got the loan for the store after doing the application online. I was told and the paperwork stated no interest if paid off in 15 days. I was unsuccessful to get someone during the first 15 day time frame. A few weeks later after calling other locations - i spoke with someone. At that the point, the 15 day no fee period had passed. 
The original loan was for {$3000.00}, yet financed amount of {$3700.00}. This amount includes other fees. After several attempts to get a payoff amount after the 15 days had passed. A payoff check was mailed in the amount of {$3400.00}. I was called in XXXX stated I still owed over {$100.00}. I have not received any written communications about the additional monies due. I did receive a call after the company received the check asking for the balance. One of the representative mentioned- they are currently making sure the loans are originated for the holidays. Yet, I was not able to use the right to rescind clause. Additional to the interest - I paid over {$520.00} in insurance and other fees. I continue to call and get response for my calls or messages