davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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)

I have contacted Transunion several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXX XXXX XXXX  claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of 29 inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft. 
So these items need to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Synchrony bank, which provides credit for medical expenses says their minimum monthly payment is {$200.00}. However, if one paid {$200.00}, they were due interest at the end of the 18 months the actual payment thats required to be made to prevent you from having Interest due at the end of the 18 months is {$350.00} the first time I got my statement I called synchrony bank to report this, and they gave me a bunch of garbage as a response, and then went and reported it to the physician who was providing the services for which I took out the care credit They called synchrony bank and the company never responded to them.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to bring to your attention several inaccuracies present on my Clarity Service consumer report. These discrepancies pertain to my personal information, addresses, email addresses, phone numbers, and employer information. I am requesting that these inaccuracies be promptly corrected in accordance with legal requirements, as they not only affect my financial standing but also infringe upon my right to privacy. 

Personal Name : The name on my Clarity Service consumer report is incorrect. My sole legal name is XXXX XXXX XXXX. I request that my correct name be reflected accurately on my report. 

Addresses : My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Any other addresses reported on my file are inaccurate, and I request their removal. 

Email Addresses : The only email address associated with me is XXXX. Any other email addresses that do not belong to me should be removed from my report. 

Phone Number : My only phone number is XXXX. Any other phone numbers should be removed as they do not pertain to me. 

Employer Information : It has come to my attention that you are repeatedly reporting inaccurate employer information. I request that this information be reviewed and corrected in accordance with the accurate details I provide. 

These inaccuracies not only harm my financial standing but also compromise my right to privacy, which is protected by law. Therefore, I kindly request that you take the following actions :
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I consolidated my loans in 2015 with Fed Loan Servicing from Direct Loans to start the Public Service Loan Forgiveness Process. With the new temporary waiver I asked for consideration..they said they reviewed my account and they did not.

None of the payments I made to Direct Loans are being counted toward my payments as they should be now.

Also now according to the waiver payments made durinf teacher forgiveness should count. They have not.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

I was applying for a loan for a car from XXXX XXXX XXXX XXXX. All papers were filled out and the final step was to get a credit report. All three of the credit reporting agency 's have been locked. I went back to the office and entered the information to Experian. After they confirmed my identity they issued me a pin. 
I read the pin number over the phone to the banks credit department. They read it back so I know it was transferred correctly. About an hour later they called and said it did not work. I went back into the Experian site and this time I requested the PIN number be emailed to me. After one hour of waiting I gave up and went back into the site and asked again. This time I received a notice that stated.. " We are unable to honor your request for a single use Personal Idenification Number based on the information you entered. 
To request a single use Personal Identification Number Please mail us this letter '' Also include one copy of a government issued identification card such as a drivers license, state ID card etc. Also one copy of a utility bill, bank of insurance statement and a copy of your Social Security card. The letter goes on with other requirements. I am current locked out of a credit reporting agency until I complete there requests. Since I was breach at XXXX  with this same information, why would I send it in the mail without knowing it wold go to a secure location with secure personal and be destroyed securely. 
It is clear that they take NO responsibility for security. If you call Experian it is just answering machines unless you want to buy their Security package which the US governments mandates is free.
Consumer complaint received 2023-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

XX/XX/2023 I XXXX, sent lawful money orders in the amount of {$5000.00} to Mr Coopers overnight processing center at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. On XX/XX/2023 my green certified return receipt was returned to me. Approximately the XXXX or XXXX of XXXX I received a call from one of their agents named XXXX, he informed me the call was recorded so its on record. He informed me my forbearance was up and it was time to make a payment, so I XXXX gave the agent the tracking numbers to the money orders and he informed me that they did in fact receive the money orders on the XXXX day of XX/XX/2023 at XXXX. He was very helpful and assured me that they would get to the bottom of it, they know they have they payment and would credit my account since it was an error on there behalf of the company for the amount listed above. I sent the receipts in to email provided which was said to no be received. I was then contacted by XXXX whom I explained what happened I asked if she would honor what the last agent said as far crediting my account for the {$5000.00}, she also assured me she would, as she woukd investigate before hand, she also informed me that the money orders were cashed and may have been placed in the wrong account. I sent her the copies of the original receipts to her XXXX. @ mrcooper.com on the XXXX day of XX/XX/2023. 
Both agents agreed to to credit my account for the amount of {$5000.00} which was indeed cashed and then not applied to my account after I provided the evidence which they needed. 
Now neither Agent is honoring the word word is bond and notice to agent is principal.

Not only are you not honoring your word but in the middle of a payment dispute Mr copper issues a notice for foreclosure.
Consumer complaint received 2023-07-21
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. (FL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

American Express directly marketed a new 0 % interest free credit card to me. I clinched on the marketing email, applied, my credit was ran and I was approved for the interest free card in XXXX of XXXX. Apparently, because of a late fee Amex assessed in XX/XX/2023, they applied a penalty to my account and removed the 0 % interest rate and replaced it with a 29.99 % interest rate, without providing any notice of the change in rate or penalty rate increase. From XXXX - XXXX, I never used the card or paid the balance off immediately, so interest was never a concern. This past month, I carried over a balance for the first time, made the minimum payment, and was charged a {$230.00} interest fee charge, which is the first time I was made aware of the change in interest rate from 0 % to 29.99 %. I chatted with Amex customer support and they confirmed they assessed a penalty in XXXX and changed my interest from 0 % to 29.99 % and never notified me of this change but told me that if I checked the statement, I would have seen the change. 

Not only did they provide no written correspondence about the change in rate, which was confirmed by the support representative ( see attached ) they also confirmed that my account has SCRA benefits applied, which is illegal to charge any interest over 6 % while on XXXX XXXX, which I currently am. Which they confirmed and can also be confirmed on the DoD database. I am attaching all relevant screenshots of my conversation with Amex support.
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (CA)

On XX/XX/2023 i received a notification from a credit reporting agency that my credit was affected by XXXX points due to derogatory claim listed to my reportXXXX XXXX sold my information regarding account # XXXX to a third party company by the name of XXXX XXXX XXXX. .I never gave XXXX XXXX any permission to sale my information take my privacy very seriously this has affected my credit and reputation XXXX i am quite petrified to say the least they are putting my life in jeopardy i do not know these people they sold my information to. i feel my safety is in jeopardy i demand them to delete all information they have on me immediately and cease all forms of communication including through all CRAs
Consumer complaint received 2023-10-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (IL)

The closing fees and dates were not the original if I recall. Wells Fargo had my loan originally, then I got divorced and refinaced/repurchased my home. The closing didn't go as planned and cost me more than originally I was made aware of.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

The original Federal loans taken out were before XXXX at the XXXX XXXX XXXX At some time the loans were consolidated without my knowledge and/or deceptively to extend the loans amount. I have over paid Navient by several thousands of dollars, the exact amount I am attempting to determine. I have been paying these loans for more than 20 years and, according to the federal government correspondence, these loans should have been forgiven in XXXX. Navient will not provide any specific details on the history of the loans or the total amount paid. I only have received general information and they are also harassing after only pausing my payments because I have no confidence that these loans are legal or are being handled properly, to date I have only missing the monthly payment for XXXX resulting in harassing phone calls on every day, including Sunday and as late as XXXX. I did open a previous case, but I believe this case needs to be addressed with a greater attention to detail.
Consumer complaint received 2022-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TX)

My wife was a victim of identity theft, so out of precaution we checked my credit report and found an open file from Acima Credit, XXXX XXXX XXXX XXXX FL XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with XXXX ( only XXXX, not the other XXXX reporting agencies ). We had never heard of Acima, and have not applied for any payday loans, rent to own loans, etc... ever. We attempted to resolve it ourselves with XXXX to no avail, then we involved XXXX XXXX with XXXX XXXX XXXX ( O : XXXX |EXT XXXX / Fax : XXXX ). Together we spoke with a representative from Acima, who could not help us over the but said they would look into the matter. XXXX suggested it was probably just a clerical error with XXXX, so we filed a dispute with them and waited the allotted time for them to look into the claim. I just received their response stating they will not remove it from my credit because they said " The company that reported the information has certified to XXXX that the information is accurate. '' Again, I know this information is not correct, because I have NEVER applied for ANYTHING with this company.
Consumer complaint received 2019-09-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am active duty sailor in the military I have contacted XXXX XXXX XXXX  and USAA XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XX/XX/XXXX I have spoken to ther credit card department, auto loan department and the XXXX XXXX XXXX banking on several occasions requesting proof of my signature for over 20 inquires for XXXX XXXX XXXX for USAA listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized XXXX XXXX   to pull my credit on 2 occasions XX/XX/XXXX credit increase and XX/XX/XXXX auto loan  . I have authorized Usaa to pull my credit for auto loan XX/XX/XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (XXXX XXXX)(USAA)I hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .
Consumer complaint received 2023-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (AZ)

Hello, I am a XXXX XXXX here in the US. I worked as a XXXX. An XXXX XXXX from other country. 

I was having a hard time with finances this year because my salary is too low, my rentals and other expenses here in the US is too high that is why I tried applying a personal loan at opploans online, I was surprised that the interest is huge but I still applied for it, resulting to difficulty of budget. I send half of my salary to my family back home, because my XXXX children are XXXX and no one will take care of their finances except me. I started a {$500.00} loan and the interest is over 160 %, I refinanced it due to financial problems and I was approved for {$1500.00}. 

They take away electronically on my account the amount of {$130.00} twice a month, starting XX/XX/XXXX until now. I am really confused with the scheduled payment specially the month of XX/XX/XXXX, I saw that they schedule XXXX autopays on my card. The loan will end on XX/XX/XXXX. This is too much. I am having an XXXX because of this. 

Please advise me. I want to be free from their incredible interest.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2023, I used my Capital One Mastercard to make a purchase on the XXXX XXXX from a seller that accepts payment through XXXX. 

When I went online today to make my monthly Capital One payment ( following the deposit of my Social Security XXXX Income ), I found what I believed to be an incorrect assessment of a {$10.00} " cash advance fee ''. 

I called Capital One for clarification, and was informed that any purchases through XXXX are considered a " cash advance '' and- in addition to the {$10.00} fee ( or 3 % of the amount, whichever is the greater ) - an interest rate in excess of 30 % would apply, which continues to accrue until the cash advance is paid. 

When I asked if there was an avenue to specifically pay the " cash advance '' amount, I was told there was no way to do so except to pay off the entire credit card balance of {$4900.00} ( out of a {$5000.00} limit ) .. and that the 30 % + interest would also be charged and continue to accrue ON THE {$10.00} CASH ADVANCE FEE itself! 

I requested to speak with a supervisor, and asked that - as I subsist on a social security XXXX income - perhaps Capital One might extend a one-time compassionate consideration and at least waive the {$10.00} cash advance fee ( since I was unaware that processing a Capital One charge through XXXX was considered a " cash advance '', nor that I would incur such outrageous fees and interest charge ), I was advised that they " had no way '' to do so, and was summarily dismissed. 

I will never again use my Capital One credit card for ANYTHING " cash-advance '' related, and will do everything within my ability to pay down the entire balance without incurring any further charges, and ultimately reserve this account solely for emergency situations, or close it altogether.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (SC)

Blacklist, defamated, forgery restricted discriminated ilegally retaliated I was seriously assaulted... cast for 3 months... back then... 
XX/XX/XXXX for Citibank from XX/XX/XXXX thru XXXX employment investigation was to my favor but they XX/XX/XXXX... providing wrong personal information and credit info.outhere... 

MyXX/XX/XXXXpension was not given to me... asked for docs .... settlements for others... never got an increase, salary from XXXX to XXXX ... .. mocked Checking, pension, XXXX claim .... request, thats what I am asking from this agency to look into.
Consumer complaint received 2023-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is not answering the questions I am asking. 
Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX andXX/XX/XXXX That is on ( attachment XXXX ) from the so-called loan application. under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (GA)

I'm a business owner. I deposited a check of {$75000.00} some time in XX/XX/2019, in my Business Checking Account at the BB & T, XXXX, Georgia branch. I made a withdrawal of {$30000.00}. Later on, when I went there for another withdrawal, I found out that both my account and debit card were blocked for no reason I aware of. 

I have been requesting for that money for four [ 4 ] months now. Still I cant get access to my account. When I go to any branch, they refer me to the fraud department and when I contact the fraud department, they too ask me to go to the any branch, and that the fraud department does not have any problem with my account. I did this for more than six times and still my account is active but no way to get money out of it. 

Please, I need your assistance as this matter has created a big problem in business.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

In accordance to the fair credit reporting act this creditor 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 the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

I rented a car from XXXX XXXX. On the XXXX of XXXX. I paid XXXX for the week in advance I returned the car a week later. I was told I owed nothing cause I paid in advance. 3 days later XXXX charges my card XXXX without my authorization because the contract was void because I returned the car. I went to XXXX XXXX XXXX and filled a dispute on the XXXX. They came back and said the dispute wasn't in my favor because I filled the dispute while still in possession of the car and that's no way true because I have all the proof.