davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I sent a letter regarding unauthorized inquires to TransUnion. As of today 54 days later I have not received a response as far as removing the inquires all other bureaus have removed these unauthorized inquires from my consumer report and I feel as I'm being taking advantage of and ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within a 30 days gives a reason to immediately remove those items from my credit report it has been 54 days so they should be deleted immediately. I demand that these unauthorized inquires be removed or I will file for litigation for misleading false reporting which is a a FDCPA Section 807 violation.
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AC AutoPay LLC, Denver, CO Branch (FL)

Was interested in refinancing my vehicle ( XX/XX/2013 CXXXX XXXX XXXX  w/XXXX miles ) since my current APR was 8.24 %. Called " XXXX '' because they popped up in my XXXX   feeds for loans for vehicles, so I figured with my XXXX credit score I can get a better APR.

After they pulled my credit and sending me documentation to print and sign, I decided to take a minute to read the documents, my remaining balance was around 7,700.. the loan that they were trying to have me sign was for around {$10000.00}.

They had roughly about {$3000.00} in hidden fees and charges that they absolutely never mentioned once about, and I almost signed for it.

My complaint is I shouldn't have my credit score have a negative effect from this majorly misinformation. And, to inform others about companies like this.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 XXXX a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.
Consumer complaint received 2021-01-23
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. (SC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I have been with BOFA since in college this was very disappointing. 

I would like to request to restore my credit limit because I need to increase or keep my restored credit store for housing purpose. 

BOFA is gambling with my credit score. 

Based on the following ground BOFA should take in account to restore my credit limit. 

1. For many years due to a divorce my card was maxed out and I was paying minimum.

Late last year, I paid off almost 50 % of the total outstanding balance.

2. No evidence of excess use of the card since paying off 50 % 3. There was late payment during COVID19 peak - where I informed the bank I was impacted and lost my father to COVID19. 
4. When I lost my card, reported it immediately and informed BOFA I need a card. Due to the Postal Issue during Election time, my bills and card everything came late. Which I informed BOFA. This delay was across the board with all creditors 5. Payments were made to BOFA on the new credit card.

6. I requested customer service few times to set up auto-payment because I felt soo much is going on everywhere where payment can be missed. The customer service advised to set up on-line banking. 
7. There is issue with online banking - I found out it didn't take my pay and later saw the error message online banking not accepting payment to be paid ( see screen shot ). So I went back and paid through my XXXX Account. I should not be penalized because Customer Service refused to set up payment and on-line banking gives an error message to pay online. 
8. No other creditor lowered my credit limit. 
9. I check XXXX XXXX often no record of delinquent reporting. 
10. BOFA never disclosed why the limit was decreased except for " Per our Review '' 11. I am a XXXX XXXX XXXX  employee which means my employment and salary is secured under all circumstance unless there is a Nation Wide crisis.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I was not paid XXXX credit by my insurance company, XXXX, as promised. 
XXXX was sent to my bank after my account closure so it had bounced back to XXXX. 

I refused to pay them their last bill of XXXX because they would not pay my credit due of XXXX. 

They ignored my requests to pay me my promised XXXX for more than 5 months & finally added a XXXX fee & referred my account to Credit Collection Services. 
I called XXXX XXXX XXXX XXXX XXXX XXXX & talked to them twice, once with a lady name XXXX XXXX and second time with a gentleman name XXXX XXXX, both have promised they will contact XXXX XXXX XXXX the XXXX XXXX XXXX fee, so I would owe only XXXX but none of them have done so. 

My file at XXXX is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

Santander did not try to communicate with me about non payment. 
No statements by mail to my address, advising of late payment. 
I was given no opportunity to take responsibility and pay. 
Vehicle was surrendered by arrangements only between owner XXXX without my prior knowledge. 
Santander only communicated with XXXX to their phone and address. 
Santander pushed dealership to get XXXX a co signer to release vehicle knowing he couldnt handle high payments at a high interest rate. 
Santander had an obligation to notify me of any non payments or arrangements.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (FL)

CONVERGENT OUTSOURCING Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX  Monthly Payment XXXX Original Balance XXXX  Highest Balance XXXX Months Terms XX/XX/XXXX On Record UntiXXXX XXXX On Record Until XXXX Balance Updated XX/XX/XXXX XXXX 
They have called and said it will be on my credit report until it is paid and also they have said this is a debit from XXXX
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OR)

This loan was paid in full as of XX/XX/XXXX following a total loss insurance payment. During the insurance process was advised by credit acceptance that account referred to insurance department and account would be on hold. Credit acceptance received this payment prior to XX/XX/XXXX and yet proceeded to report the account as delinquent and open. The current reported balance, status, and payment history have all been inaccurately reported. We brought this to their attention and were advised to file a dispute with the reporting bureaus which has been done. These reporting actions directly violate the FCRA and show a willful and malicious reporting behavior.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : XXXX ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged partly as deemed by the courts. XXXX ) Liability : XXXX XXXX XXXX - the Defendant consumer reporting agency unsuccessfully argued that, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. XXXX ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA XXXX XXXX XXXX, XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter
Consumer complaint received 2021-01-23
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. (MA)

The company XXXX XXXX sent a request to suppress an unauthorized inquiry on my credit report to Experian on XXXX XXXX 2020. That inquiry as of the wrong of this complaint has not been suppressed
Consumer complaint received 2021-12-10
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. (AZ)

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a home equity line of credit with Bank of America. I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (PA)

In XXXX, I called the American Express Delta Skymiles automated phone service to determine how much I owed so I could pay off my account, which I had deactivated some time ago until I could finalize my balance. I was told my balance was XXXX I immediately made the payment for that amount through my account at XXXX XXXX XXXX  on XX/XX/XXXX. In my mind, I had paid off the account. Then, I get the attached bill for XXXX. I called American Express to complain, ultimately speaking with a supervisor named XXXX on XX/XX/XXXX. He explained the " trailing interest '' concept, which I find blatantly unfair if the bill has been paid in full. Shouldn't the balance I was quoted have incorporated any accumulated interest still owed? I really think consumer agencies should take a long, hard look at this concept as it relates to final payment true-up for a billed amount.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Klarna AB (GA)

Today, XX/XX/21, I tried to make a monthly payment of {$170.00} due " in 24 days '' from today at app.klarna.com as instructed by their text message to me. I have made payments this way the last 6 months with no issue. I selected Payment options, to make the " minimum payment due '' and " pay with a card ''. Again, I have done this the last six months with no issues. The web browser, instead of taking me to a screen to enter my debit card information, said " Payment failed We could not process your request, please try again later. '' I had to initiate a chat with someone at the company who advised me that they made a change in their app that was causing a lot of frustration to clients because they could not pay. They advised me to uninstall the app and reinstall the app to fix the problem. However, I informed them that I was using the web app. I asked if there was a number I could call to make a payment. They then advised me to call XXXX. The person on the phone said they were not aware of app.klarna.com but they could not take any payments over the phone. This seems like it should not be allowed. If they are having continued issues with their web app/app development and I can not make a payment, what is the back up method? It seems they don't have one. And so if I am late in my payment due to no fault of my own, this could affect my credit. I am not sure if this is the correct place to report this or if my selections on the option tree to get here were correct, but if I were a regulatory authority, I would assume there has to be a way for a company to accept my payment so I don't go into arrears. I will certainly be paying this off sooner than later and no longer using Klarna. Thank you for any help in addressing this issue - not just for myself, but for the many people who have made similar complaints on the Klarna App reviews.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP (OH)

At XXXX EST on Friday, XX/XX/2021, I missed a call on my cell phone from what appeared to be a local number XXXX ( XXXX XXXX XXXX. I called that number back on XX/XX/2021 at XXXX and asked if someone had called me. A woman asked my name I said this is XXXX, did you call me? She said yes, this is Capital Management Services and asked for my last name. I said you called me and Im not familiar with this company why are you calling. She said are you XXXX XXXX I stated that was my name, but its not now, can you tell me why youre calling, I dont think we have ever done business. I felt it was a scam. I XXXX  the name and it appears it may be collections, only I dont have anything that would have gone to collections. She said I cant tell you without your name, birthdate, or last 4 of your social. I said Im not giving you my info over the phone unless you identify what yorur company does. She proceeded to try to get my info. Birthdate and last four of social. I finally gave month and day of birth and she told me there was a discrepancy in the date she had versus what I provided ( stupidly I gave her the correct date ) so she wouldnt be able tell me anything without the last 4 of my social. I said I dont ever give my social to anyone over the phone ... nice try ... and hung up. Any legitimate company would tell you who they are and why they are calling and Im pretty sure collections has to identify themselves. I want to report them for fraud, misrepresentation, illegal, and unethical behavior. I found many consumer reports regarding similar tactics. I also read they try to collect debts that have already been paid or charged off. I dont understand how they can continue to get away with this.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To whom it may concern my name is XXXX XXXX, I am filing a complaint against Capital one Bank. I received a XXXX XXXX XXXX grant in the amount of {$10000.00} on XX/XX/XXXX, my XXXX  was a XXXX  XXXX  that I used to provide XXXX  and XXXX  for XXXX XXXX at that time. Because my XXXX was a XXXX XXXX, I used my Capital one personal checking account for that business purpose, which by law is totally legal to use your personal bank account for a XXXX XXXX. On XXXX  XXXX XXXX XXXX XXXX XXXX, Capital one put a restriction on my account six months after I received the XXXX grant. After explaining to Capital One Customer Security Department that my business was a XXXX XXXX the restriction was removed. On XX/XX/XXXX Capital One decided to put another restriction on my account, once again I contacted Capital One Customer Security Department and they said that they decided to close my account. The Amount in my account as on XX/XX/XXXX is {$3400.00} in my Capital One checking account XXXX, and {$240.00} in my Capital One Saving account XXXX, that is a total of {$3600.00}. Personally, I feel that Capital One Bank Customer Security Department profiled me, and I have a few reasons why I am making these allegations against Capital One Bank. 1. I received the {$10000.00} grant on XX/XX/XXXX, why would Capital One Bank wait until XXXX XXXX which is XXXX XXXX XXXX to put a restriction on my account? 2. After the restriction was removed the same day, which was on XXXX XXXX XXXX, since then I have received my {$600.00} Stimulus payment from the IRS, a XXXX payment in the amount of {$750.00}, and Cashier check payment for {$3000.00}, why on XX/XX/XXXX, did Capital One Bank decided to put another restrict on my account again? knowing that I currently have {$3400.00} in my checking account and {$240.00} in my Capital One saving without sending any type of warning letter or email of any kind and knowing that I am a XXXX  class XXXX American male, that uses my funds to put food on the table for my family and pay my bills. I am really upset about this because I really believe that Capital One purposely profiled and targeted myself and other minorities. I currently have a totally of {$3600.00} and Capital Bank needs to send my funds asap so I can pay my bills. Thanks
Consumer complaint received 2021-01-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

Apparently XXXX  XXXX University made a loan to me. I was never informed that XXXX  XXXX was making loans personally ; I was told that it was a XXXX XXXX XXXX. 

That was circa XXXX or so. I graduated in XXXX. During that time I was experiencing chronic homelessness and severe financial difficulties. I made several attempts to address the debt with XXXX  XXXX in XXXX, during a time when I was homeless, unemployed and broke. 

So XXXX  XXXX sent the debt to the Attorney General, who then doubled the amount of the original debt, from {$6500.00} to now almost {$12000.00}. The Law Offices of Robert A. Schuerger Co., L.P.A has threated to sue me and even rudely informed me that the debt wasn't dischargeable in my Chapter XXXX bankruptcy I filed in XXXX, despite the debt being classified as university/institutional debt. 

They have informed me that I will be sued and they will take my tax refunds and garnish my wages and that there is nothing I can do with the debt except pay it. The statute of limitations has since passed for this debt and I don't appreciate the strong arm tactics being employed.