davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, and XXXX, are not following the Law, and are allowing XXXX ( because they pay these credit bureaus money as a member } to report improper information on my credit file. 
Each of the Credit Bureaus have received the verification information, and ARE NOT removing the bad information from my file.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (TX)

THIS DEBT WAS INCLUDED IN A CHAPETER XXXX CONVERTED TO A CHAPTER XXXX BACK IN 2010. THIS IS A 3RD PARTY COMPANY THAT PURCHASED THIS ACCOUNT FROM XXXX XXXX IN AN ATTEMPT TO CONTINUE TO COLLECT ON AN ACCOUNT OVER 7 YEARS OLD. I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT AND STOP ALL COLLECTION ATTEMPTS. 
CHAPTER XXXX CASE # XXXX
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

They called my number looking for XXXX XXXX I told them that this was not her number and to not call back again. They were looking for her for a 3 year old debt for XXXX. They will take send it to collections and come after me and they will call back again.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has closed my account due my XXXX and my XXXX and Im a XXXX American guy work so hard to get approved for this and I called American Express few times to cancel the disputes that I didnt filed over the phone and rebill me so I can pay them and they were unable to do so. And they close my account and I had a Hilton honors card for a year made my payments on time and my credit reports shows no history of the account .. its totally empty and I filing this complaint because I felt discriminated and its very hard to reapply with this company
Consumer complaint received 2022-07-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2022 I received 2 emails. The first was asking me to activate a credit card account and the second was that my updated XXXX  score was available. I had not asked for a credit card, so I checked on my XXXX  score first. 
My XXXX  score had dropped and when I looked to see why, it was because a credit report was pulled. When I looked to see who pulled the credit report, it was from Bank of America. That was who sent me the message about the credit card. 
When I contacted Bank of America, they said that they granted the credit card on line to someone who had the correct information for me. At that point I asked them why I didn't get a text or email to confirm it was me who was applying and their answer was that was not part of the process. Considering that if I go into the bank or call them on a banking matter, I get a text message to my phone that I have to respond to so that I can proceed, it seems to be a big security hole if they allow someone to get a credit card in my name without that text message verification. 
The BOA " fix '' was for me personally to contact all 3 credit reporting services to put a lock on my credit reports so that no one can pull a credit report. They didn't close the credit card account, claiming that the phone call from me was cut off. Since no one called me back in that case, I had to call them and spend more time on the phone to make it happen. 
Identity theft is unfortunately getting more common. BOA should not be allow to continue to have this security hole. I shouldn't have to be the one to jump through hoops to correct the problem.
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

My mortgage was transferred to Mr. Cooper effective XX/XX/XXXX. 

Under my previous lender, I was in Covid forbearance and submitted 3 trial payments before the transfer. Because the transfer occurred after the 3 trial payments were submitted and before a loan modification/solution was initiated, Mr. Cooper inherited the responsibility of providing a loan solution. 

I've called several times since XX/XX/XXXX until a call XX/XX/XXXX an associate stated Mr Cooper 's systems are finally updated and they are able to view my loan details and status.I asked about my loan solution status during the XX/XX/XXXX phone call and Mr. Cooper ensured they were working on it. 

Around 10 days later, I checked my Mr. Cooper account dashboard and it stated a solution is approved and it will generally take 3-10 business days to receive the documents. 

I'll called several more times and received the same response until a phone call on XX/XX/XXXX ( approximately a month after approval ), I asked for an inquiry on the status of the loan solution because the documentation process was taking too long. I was told I should receive an answer to the inquiry within 5 days. 

I called again on XX/XX/XXXX ; given the holidays, I thought this was ample time ( nine working days ) to receive an answer to the inquiry. I was told the inquiry wasn't submitted until XX/XX/XXXX and to wait another 5 business days for an answer. 

I called again on XX/XX/XXXX, XXXX, XXXX, and XXXX and there hasn't been any change in status or answer provided to my inquiry. 

My primary concern is that mortgage rates are steadily increasing ( over 0.75 % ) and if it's possible Mr. Cooper 's loan solution department is purposefully extending the process to significantly affect the loan solution and/or refinancing. 

This is also affecting my loan options that are dependent on loan solution documentation.
Consumer complaint received 2022-01-19
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. (NC)

In XX/XX/XXXX, I financed a car loan through XXXX XXXX XXXX. An internal error occurred and 2 auto loans ( for the same car ) were inadvertently entered under my name when I only purchased 1 vehicle ( XXXX XXXX XXXX ). The owner, a really nice gentleman by the name of XXXX, closed out the erroneous auto loan and submitted evidence to all 3 credit bureaus to delete the duplicate tradeline. Each CB deleted the tradeline except Equifax. Each month, XXXX XXXX XXXX and myself submit to delete the duplicate auto loan trade line and Equifax refuses to properly investigate and delete, this has been an ongoing issue and falsely manipulates my credit report into reporting more debt that I actually have. It is hindering my home buying process because it appears I have 2 auto loans when I In FACT have only ONE. Each time I dispute, Equifax swears by their decision and claims the loan is factual and belongs to me. I have documents to prove that north state has deleted the account on their end so why is Equifax still reporting this account as open and not closed and deleted. This is a total discrepancy and infringement on my rights as a consumer and I want this tradeline deleted from my credit report immediately. I have attached a document from XXXX XXXX XXXX with the code DA- which means deleted account.
Consumer complaint received 2023-04-03
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)

On XX/XX/XXXX, I submitted a request to block accounts that are on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2015-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RELIANCE FIRST CAPITAL LLC (NC)

Refinanced my Mortgage with Reliance Capital out of XXXX NC. From the start of the process they have told me that there would be no points or origination fee since I refinanced my last mortgage with them. When I received my first settlement statement it had {$3700.00} in points and origination fees. When I brought it to their attention the mortgage broker promised me that this would be taken off when it went through underwriting. He said the computer automatically generates it on the paliminary statements. I asked that he send that to me in writing, which I have in an email from him. Closing kept getting delayed by a month because i was told that the underwriter was dragging their feet. Closing was scheduled at my office to sign all papers which were not made available to me until the night before the closing. I immediately contact the broker in writing asking why the fees were still listed and should we postpone the closing until they get it fix. He assured me the monies all would be wired to my account. I have all of the emails attached from him assuring me. At the closing the fees were still on the settlement statement so I refused to sign it and called the mortgage broker. He said it was a mistake and to continue withe the closing and that he would send a new settlement statement that afternoon and that the additional monies would be wired in my account the following day. I received no new settlement statement or monies that week and made several calls and sent emails asking where it was. I received a call back from the broker in response to me calls and email promising me that the monies would be wired and that they were waiting on their office in another state to redo the settlement statement. It 's now a month later and I have received nothing and they wo n't return my emails or calls. I even sent an email to his boss that reached out to me in the beginning states of the loan saying if I had any concerns of problems that I should contact her and she would resolve them. She has not responded to this date. I have attached all of the emails concerning this and the settlement statement I would n't sign.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

Three of my Synchrony accounts were closed as a result of error. 1. Lowes 2. Value City Furniture, 3 Care Credit. 

The reason accounts were closed is because Lowes took an un-authorized payment on XX/XX/2022 of {$5100.00} dollars from my checking account which triggered approximately ( 20 ) account payments to other creditors to overdraft my personal checking account! 

I Immediately was notified by my bank, XXXX XXXX XXXX that the account was overdrawn and I then Contacted Lowes to seek a remedy for this error. Lowes refused to rectify this error and said that it would take them 7 days to issue a credit back to my personal checking account! 

Meanwhile, had I waited 7 days, ALL my other accounts with creditors would have been returned and delinquent. I spent years establishing & building my credit profile and have been a loyal customer to Lowes. I have ALWAYS made my payments on time. 

Because Lowes failed to resolve the issue after several attempts, Synchrony has closed the 3 accounts as mentioned above. 

This is causing me damages to my credit Integrity and is also damaging my credit profile. 

I want my accounts restored and and ALL derogatory information to be Immediately resolved as it should be. 

Note : Would like to also mention that because Lowes failed to remedy that I had no other choice but to stop payment on that account. I contacted my bank XXXX XXXX XXXX and placed a temporary block on Lowes which I later removed and then submitted minimal payment that Lowes required of {$540.00} which included late fee 's. It was after I had made this payment that Synchrony Bank closed my 3 accounts! The Payment was made on XX/XX/202XXXX XXXX
Consumer complaint received 2023-04-03
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. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (OH)

I have been contacting my local chase bank and asked about a consumer product pursuant to title 15 United States Code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. I contacted them and they meaning chase banks employees claimed to not know or understand what that is. consequently I visited chase bank ( video that I will provide later in this complaint ) in person to open this open ended product afforded to me by consumer rights. However, I was discriminated pursuant to 15 United States Code 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

I was discriminated against by not being allowed to enforce my rights in good faith to open this account. I was asked if I wanted a loan every time I asked about this open ended credit plan, I said I was a consumer, I asked about the open ended product and they kept ignoring what that was which is not in the video but that is some context to why I came inside the office. I was given " back office '' numbers which turned out to be credit card payment customer services with nothing pertaining to what was requested. I was given an application at the very end of the conversation recorded with no explanation of what it was or if it was even what I asked for. These actions Caused injury due to chase banks misconduct of not letting me enforce my right to open this account and ignorance of the law and I kept getting the run around by telling me I needed to contact other people outside of my local bank to do who knows what because I do not know why. The employee ( s ) didn't even let me apply I was told they were not explaining the product at all to me and was asked to leave the bank in short. the video is about XXXX minutes long.
Consumer complaint received 2016-03-10
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " XXXX XXXX XXXX XXXX '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-19
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. (TN)

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

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX B IRCH XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.