davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am filing this complaint for the mishandling of a dispute. I disputed a charge where I did not receive a completed service at a lash studio franchise. After the issue was brought to the managers attention the same day, I showed them my incomplete eyelashes and was given an apology and then advised to come back the next day for the service to be completed free of charge. After the funds were debited from my account the next day, I received a text message from the manager stating that I will now have to pay and because I was not satisfied with her changing the agreement she then told me not to come at all. I disputed this with USAA on XX/XX/XXXX where I received a reversal credit. I was then sent notification to upload documents on XX/XX/XXXX which I did and for some reason they were not received. On XX/XX/XXXX, I got another message asking to upload the documents. This time around I called to see why they had not received my prior documents and if there was a mistake, to which they stated they did not have them. So I proceeded to reupload the documents that included all the back and forth messages where the merchant fully acknowledged agreeing to complete the service and then changes her story as to why I now needed to pay. I also provided pictures of my lashes. As well as a screenshot from their company website detailing that services take approx XXXX XXXX for a full service and every natural lash receives a false lash. In the documents I provided the girl did not even take XXXX minutes. 

On XX/XX/XXXX, I got another notification from USAA stating the dispute was not found in my favor and they would do a reversal credit. My complaint is that this case was not thoroughly investigated as I gave more than sufficient evidence. I have also had a prior issue in the past with this bank not properly investigating disputes and was told by a very rude USAA representative over the phone that it was too much for them to go through every single message due to the volume of disputes they have to handle. My question to USAA ; then what is XXXX XXXX of providing this information if the agents are not going to properly and fairly do their job?? 

This situation is highly traumatizing because not only am I being taken advantage of by scandalous merchants, I also can not depend on my bank who I've entrusted and been with for years to properly handle these issues.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (TX)

( A ) In general- if, after any reinvedtigstion under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvedtigstiob, and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in question : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Specialized Loan Servicing Holdings LLC (MD)

In 2016, I be came very sick which resulted in me becoming XXXX   forcing me to retire on Social security XXXX. I immediately contacted my creditors and was told about various programs that could help. I applied for a loan modification for my home equity. To qualify I had to go on a trial period for a number of months to show I could at least make the new payments. Unbeknownst to me I was still being held responsible to make the higher original loan payment at the same time. I couldn't afford to pay both payments thats why I was applying for modification. My credit suffered, over 30, over 60 and over 90. 

After successfully completing the trial I was offered the modification with late fees that had accrued were waived. I carefully read through the document there was no mention of late fees or time they would accrue going forward. 

So as my social security benefit went to my bank I was able to pay the agreed upon amount. 

Now that this loan was given to Specialized Loan Servicing and later sold to another investor. I am being charged a {$39.00} late fee for a payment made in the same manner as I did in the past. The terms in the agreement supersede all others. So why now am I know being charged fee when here is NO mention of it in the agreement I signed? 

I tried calling customer service at Secialied Loan Service but could never tell my story because the asociate keep talking over me and would not listen to the problem. The manager I asked for never returned my call. 

Attached are statements showing I was NOT charged a late fee.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

In XX/XX/XXXX, there has been an error is processing my payment. I scheduled my payment for XX/XX/XXXX. My account with you is extremely important to me. I have always paid on time and have perfect credit history with all my creditors. Unfortunately, my last payment for the month of XXXX was not processed as it should have been. I made this payment before leaving on vacation for several weeks using the prefilled information for online payments as I have every month since XXXX. 

In XXXX, after returning from my vacation, I received a letter stating my payment had not been made. This letter was dated XX/XX/XXXX ( received well after XX/XX/XXXX in the mail ). I was not notified prior to the payment going over 30 days past due based on the processing error as the payment was due for XXXX. I promptly called Freedom mortgage on XX/XX/XXXX ( the day I got the letter ) at XXXX XXXX  eastern to inquire on the matter and to satisfy both the XXXX and XXXX ( just billed ) payment. During this phone call I was not provided with details with why my payment did not go through, but was told I would be called back by a supervisor. at XXXX XXXX  on XX/XX/XXXX, I called again, as I had not received the call back from a supervisor. I was then told it would be 48 hours before a supervisor would call me back. I was told it was my fault the payment did not go through and that " you should be monitoring your own account to make sure your payments go through. '' As of the date of my first letter to Freedom Mortgage on XX/XX/XXXX, I still had not received a call back from a supervisor. I believe this matter has been handled poorly. I have been a timely paying customer for several years and have no history of neglecting my bills. I have sent several letters to Freedom Mortgage in an attempt to resolve this matter, but with no proper investigation done. An error in their payment processing caused the past due payment. None of my account information had changed. There was nothing wrong with the payment information input on my end. Please see the attached payment confirmation screen shot as well as proof of the calls I made to Freedom Mortgage. I have also attached my bank statement showing the funds were available in my bank account at the time the transfer was to take place.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (IL)

My account has been surprisingly under some reviewed, due to me XXXX XXXX making a transfer to my external account. Ive call sent letters request documentation about this matter, but all 's i gotten was a run around speaking to different representees telling me diffident thins daily asking me for my information.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XXXX I bought a brand new XXXX. In XXXX I got a letter in the mail that the dealership wanted my car and I could trade in my XXXX for a XXXX and no cost to me and that they would keep the same monthly payment. My monthly payment was originally XXXX in XXXX. Now its XXXX a month XXXX. I went to the dealership and asked why it was so expensive. They said they added the old loan to the new one and that they had sold my car already so I can't get it back. They said my only option was to refinance in a few years. I went to my bank and they said they wont refinance because theres negative equity. So now I'm paying for 2 cars when I only have one. My XXXX XXXX XXXX XXXX costed me XXXX. This XXXX XXXX XXXX XXXX is priced at XXXX but they combined both loans to total XXXX. I called to see how much I still owe its XXXX. I dont understand why I'm paying for both vehicles when they already sold the car and I'm only driving one. If I knew they were going to add the loan on I would have just kept the first car.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/year> under the XXXX account and 1 Hard Inquiry from XXXX XXXX XXXX. These accounts have resulted in fraudulent charge-offs, hard inquiries, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

My parents and I refinanced a property. We were not aware or told at the time of the mortgage signing that we would need to get Windstrom insurance. Eventually, after three letters that my father threw away, we were force-placed a policy in XX/XX/XXXX that lasted from XX/XX/XXXX to XX/XX/XXXX. This all was our fault. The problem begins here : we got our own policy put on in XXXX. While we were trying to get the mortgage company to update the policy, the insurance company cancelled a little over a month later for failing their inspection. We fixed everything and got another policy by XXXX. We got that second policy put on the mortgage and got a refund. The problem was getting the refund for the month of XXXX and XXXX. I had to call every week from XXXX through XXXX to get someone to help me. It was a nightmare because either they would promise to follow up and never would, or they would say I didn't have a refund to get. Finally after months, I got one person to listen. He followed up ( after constant emailing on my part ) and I got my money back. 

I have two other problems. One came in XXXX after we finally got them to put our insurance on the mortgage ( it took two months for them to put the policy on the mortgage ). Our payments had gone from ~ {$820.00} to ~ {$3000.00} with their force-placed plan. In XXXX they tried to auto bill me for the {$3000.00} ( their automated payments do not allow for manual adjustments, so it is on them to change the amount billed ). I told them I only had the money for the correct ~ {$820.00} payment in the account and not the $ XXXX. They told I should pay the charged amount and try to get a refund after. Absolutely not!!! They charged me a non-sufficient funds fee, which I got back after calling ( again, multiple times ). Lastly, I just got a letter in the mail saying they dont have me down as having insurance on my mortgage. I am exhausted. Of course I have insurance on it, I just bought the policy in XXXX. These people are relentless and I am so upset to be stuck with them. 

I am now trying to get hardship assistance for the coming months and I can not get through to their phone line or online application. They have drained my savings and now I fear not being able to make payments.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (LA)

I spoke with an agent that identified herself as XXXX last week. I told XXXX that I disputed the bill. Because I gave notice to my previous apartment complex of my intent to vacate. XXXX told me that my dispute was invalid. She stated that I could not dispute it. That my bill was due to insufficient notice to vacate. I informed her that in fact provided proper notice. She told me that I could send an email to request verification. I was given the following email address iqdata-inc.com. 

I called again on today on XX/XX/XXXX. Because I tried to send an email to the address numerous times. However, I keep receiving an error message saying it was not a valid email address. I again spoke with XXXX. I asked for the email address again to verify. She refused to provide it. Stating that she had already given it to me. And that the debt was valid. As well as I had missed the time frame to dispute it. I explained that the letter that IQData sent me was dated XX/XX/XXXX. So I was within the 30 day time frame according to law. She then stated that the debt was XX/XX/XXXX. So the dispute time had passed. Informed her that she was violating FDCPA by using fase, deceptive and misleading means. She became increasingly abusive stating that I am barely XXXX years old. Eventually she hung up on me.I recorded the conversation should I take legal action. It is too large to upload here. 

-- XXXX XXXX
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX did a hard credit inquiry on my credit WITHOUT my permission. 
The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. 
I already wrote to XXXX XXXX and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/2020 2020
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Consumer complaint received 2020-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I believe that I have been victimized of Transunions " inquiry issue. '' I do NOT recognize these inquiries and am requesting that they are deleted immediately as they are having a negative effect on my credit score. I contacted Transunion customer service and they would not help or take care of these negative inquiries that are being reported.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from XXXX?
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account name : XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/XXXX and XX/XX/XXXX, also XX/XX/XXXX. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX/DEPT OF ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX and list of Inquiries 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 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 item 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.