davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXX XXXX XXXX XXXX. HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I had a credit card charge that i am not aware or have not authorized. I filled gas at a XXXX, XXXX gas station and the merchant told me that the card is declined. I then paid it by another card. However, the merchant fraudulently charged lot of money on my card. Citi bank declined to fully investigate this. They did not get any information from the merchant and they clearly stated it in the letter i received. Despite of this, they closed it stating that it is valid because i gave the card to the merchant. They ignored on what i stated about card decline. Full details of what has happened is in the attached letter. 

I kindly request authorities to look into this case and particularly the way they have conducted this investigation, because this type of partial or weak investigation is going to impact lot of customers like me.
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I have tried to reach out to this company and Experian to clear this up and neither one has returned my correspondence. I even sent it registered mail and have not got a returned response of what I am requesting so I am doing it here.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Controlled Credit Corporation (OH)

XX/XX/XXXX I was billed {$1400.00} I logged into XXXX, the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. I was XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX of XXXX, accumulating more bills within my XXXX XXXX I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX XXXX. Apparently XXXX XXXX XXXX  automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared in/on my XXXX XXXX  where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to XXXX collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX XXXX, especially automatically enrolling XXXX of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment. 

Then XXXX sold my debt after this was originally settled via consumer finance in an attempt to collect again. It is on record that XXXX XXXX hospital advised XXXX to stop collection on this debt. Now I am being harassed by Controlled Credit Corporation. I attempted to inform Controlled Credit Corporation about this previous report about shady collections on the part of XXXX XXXX and then XXXX, but they ignored my written submission that included this report. 

This debt was shady from the start, as I paid my accounts in full, not aware that they moved a bill to another account that I had no access to. I am tired of fighting this unfair fight. Check my account with XXXX XXXX I am paid in full as I have always been. This is shady business deals, I never gave consent for any bills in my name to be moved to another account. 
I NEVER ENROLLED in XXXX. Ive attached that their own email states that it is optional and all I have to do in enroll to get started.
Consumer complaint received 2022-06-16
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. (NV)

Accounts XXXX of XXXX closed account ( XXXX ) XXXX XXXX closed account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a 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.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Tried to use Chase debit card to withdraw money on XX/XX/XXXX, ATM said visit branch. 
Visited branch, told accounts were " closed '', but funds NOT available to withdraw. No reason given except " bank decision to close account ''. 
No funds available to me because my savings account was closed as well as my Chase credit card. Reason : " You'll receive a letter in the mail within 10 days with Chases " reason to close account, '' Friday, Saturday, Sunday, Monday, Tuesday, Wednesday, Thursday, no money available to me thru XXXX XXXX. When looking at my Chase App, shows all accounts, no mention of any restrictions or closure. Only way I knew was because I tried to use the debit card. Shouldn't a bank notify a customer if account full of money is suddenly closed??

I visited the branch Thursday afternoon and demanded my money. With much time and patience, my money was given. So no reasons for closure. I must start all over with another bank. Chase has been an absolute nightmare for my family. Found out today, now they closed my son 's account, no reason. He is unable to get any funds.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (TX)

In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX violated my rights. 

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, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

My Chase checking account was closed due to their statement of fraud. I deposited a check that was not under my name ; it was a scholarship I had received, and I was under the impression that it belonged to me, not the XXXX XXXX XXXX XXXX XXXX. I approached the bank and asked what exactly was happening. The guy told me, with an attitude, that there was nothing he could do. I visited a branch office, and the person who helped me tried speaking with someone from the verification branch of Chase and told him that I couldn't apply for a checking account due to my history of " fraud, '' even though I had just turned XXXX and it was an honest mistake. The guy at the branch submitted a complaint on my behalf ; it has been over a year, and they never answered back. I tried to apply with other banks but had no luck either. I currently have no bank account under my name. As a student, this is very critical. I just want this to be resolved. It has been over a year now, and I don't want this mistake to affect my adulthood.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Barnhall Financial Services, Inc. (TN)

The outstanding balance reported is inaccurate. BarnHall Financial Services states that I owe {$7700.00} on one document but on my credit report the balance is {$8700.00}. I request that you verify the balance with the original creditor, as discrepancies in the reported amount may adversely affect my creditworthiness. The reported date of repossession is inaccurate. The actual date of repossession was XX/XX/2022. I have attached supporting documentation, including repossession notices and correspondence from the lender, as evidence of the correct date.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX violated my rights. 

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, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: STATE EMPLOYEES CREDIT UNION (UNITED STATES MINOR OUTLYING ISLANDS)

Upon reviewing my credit report, I have discovered that the last activity date on the aforementioned account has been continuously manipulated, presumably by your company, in an attempt to prolong its appearance on my credit report. This practice is not only highly unethical but also constitutes a clear violation of regulatory standards governing credit reporting. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), the maximum period for which negative information, such as a charged-off account, can remain on a consumer 's credit report is XXXX years from the date of the first delinquency leading to the charge-off. Any attempt to artificially extend this timeframe through falsification of last activity dates is a direct violation of the FCRA.
Consumer complaint received 2022-06-16
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. (WA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on Experian and XXXX. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Consumer complaint received 2021-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NC)

Caliber had a forbearance hardship modification with Caliber home loan doing the covid 19 .Caliber forbearance plan back in XX/XX/XXXX and suppose to last until XX/XX/XXXX because I asked for an extended also .My loan was owned by Fannie mae XXXX XXXX. I asked Caliber to put all my missed payments at the back of my loan.I told them since I my loan. was owned by Fannie mae that I can ask for this under the care act for my loan to be extended. Caliber approved me for the forevbearance and later on changed my mortgage ownership from Fannie mae to an investor ownership. Caliber also changed my mortgage server to XXXX while I was still in my forevbearance plan with them on XXXX XXXX. I called them and told them that was wrong of what they have done. Caliber had already misrepresent of a loan modification by not sending me all of the documents. Caliber is a untrustworthy loan servers. Now I stuck with XXXX trying g to give me a reasonable forbearance plan. They are the sane as caliber and I don't think they should be handling my mortgage, because ca5 transferred my loan over too early while I'm mortgage was still with them. Now XXXX said my loan is in foreclosure. They gave me a high payment for the forevbearance instead of working with me. I had asked Caliber can I use my equity from in my home and they told me that they took all of my equity and I asked they why and did not get an corrected answer. I told them that I have been in my home for 14 years where are my payments going to and why is my loan not going down after 14 years. I know that I have missed some payments but I know that I had about {$45.00} in my equity the last time I checked on it. I need someone to help me get a reasonable forevbearance plan.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance Corporation removed my active car loan account from my credit report on XX/XX/XXXX, while I'm still making payments and have another few months of lease. I've never been late, or missed a payment on my car loan. This has caused me a sudden " XXXX points '' drop of my credit score, and destroyed and ruined my credit, and caused me extreme distress and financial damages. I contacted them a numerous times and each time not only they were extremely rude and condescending, but also they kept passing me to different departments and none of them could tell me why they have removed my account, all they did was pretending that they have opened a case to reinstate my account and each time they gave me a different case number, which did not actually mean anything. They told me to wait maximum 30 days, for the account to show up on my credit report again. I waited and waited, and in the meantime I kept contacting them and requesting to talk to one of their supervisors, finally after I told them that I will file a lawsuit for the damages they have done, a woman named " XXXX '' who claimed to be a supervisor called me back. She also gave me some lame excuses for removing my account and told me that I am not the only one that they have removed their account, but she assured me that that they have reinstated my account and the latest the account should be back on my credit report by XX/XX/XXXX. All of them including her lied to me and it was a false promise. They have NOT reinstated my car loan account. Finally on XX/XX/XXXX, not only that active account with Honda was not added back to my credit report, but also they removed another account from XXXX, which was in good standing and caused additional drop of my credit score. From my understanding, Honda Finance Corporation has done this to many other people and from what I have heard, there is some sort of TAX BENEFIT for them when they remove people 's accounts. If you XXXX this issue and check the XXXX  site, you will find many complaints about the same issue with American Honda Finance. Some sort of action needs to be taken to hold these crooks liable for playing games with peoples ' credit, causing them financial loss and all sorts of damages.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/2023, check number XXXX in the amount of {$9900.00} was mailed via US Mail and made out to XXXX XXXX was apparently stolen and cashed at a XXXX XXXX  ATM machine in XXXX. XXXX XXXX  called XXXX XXXX to notify them that a check made out to XXXX XXXX was deposited by someone that does not appear to be from XXXX XXXX, and they wanted to confirm. XXXX XXXX called my office advising of this fact and I immediately called my Chase Bank on XX/XX/2023 to restrict my checking account number ending with ... XXXX and replace it with account ending with ... XXXX. Chase Bank Case number is XXXX. 

Four- and one-half months has gone by and all I keep getting from Chase Bank what the status is for the stolen check is that XXXX XXXX is not responding to chase Bank 's constant calls, emails or letters. I called XXXX XXXX, and they gave me very little information about the stolen check. Both Banks simply said to me that it could take 6 to 8 months before a decision is made. In the meantime, XXXX XXXX keeps sending me notices of payment due.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I was recently denied credit today XX/XX/2022 due to Chex Systems reporting inaccurate, unverifiable, incomplete information under the account they maintain under my social security number. 

They are reporting an unpaid overdraft at XXXX Bank in the amount of {$220.00}. I challenge the accuracy, compliance and reportability of this listing. By their inaccurate reporting I am being denied credit and this must be corrected immediately!
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Collections, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on EXPRESS COLLECTIONS IN XXXX Balance {$3000.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I settled a charged off account with XXXX XXXX XXXX credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want XXXX XXXX XXXX to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, I mailed letters to XXXX, XXXX, and Equifax via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.