davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

When the car was bought the loaner said if anything was to happen to the car and it was total that it would be taken care of and paid in full by them and the car was totaled but yet the balance is still showing up as a collection on my credit which should not be there. 15 USC 1692c Law Clearly States A debt collector must halt its collection efforts upon receiving a written request from a consumer to cease collection efforts or a written refusal to pay the debt.
Consumer complaint received 2019-12-30
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. (CA)

XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency Experian and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.
Consumer complaint received 2023-05-24
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. (MI)

I am a XXXX  mother and was trying to purchase my first home to provide security for me and my child, & it wasn't until I started the application process only to realize all the fraudulent accounts on my credit report! Due to this, I've had to let go of what WAS my dream home for me and my child, now I'm stuck renting until you guys remove these fraudulent accounts!
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC (TN)

I received an unusual text from National Recovery Agency about a debt with a Maryland utility company, XXXX. I had never heard of National Recovery Agency and I have never received a text message in place of a letter from a collection agency, with a link to pay processing fees in addition to the amount owed. A few hours later, I received a call from the original debt collector, XXXX, who had no knowledge of or connection to National Recovery Agency. Fearful of a scam, I contacted XXXX directly and took care of the balance. I then called National Recovery Agency and spoke to a XXXX XXXX. I explained what happened and asked to be removed from their list. I explained that I didnt know if their tactics were legal, but that I no longer wanted to be contacted by them. XXXX XXXX became belligerent, and abusive, telling me that I only called to argue and then she abruptly hung up on me. This behavior, in total, is unacceptable.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THE CREDIT BUREAUS HAVE STATED THAT ACCOUNTS WERE PROPERLY INVESTIGATED, HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE OF LAST PAYMENT IS INACCURATE, THE DATE LAST REPORTED IS INACCURATE, AND NO. OF MONTHS IS INACCURATE. ALSO HAVE SERVERAL DISCREPANCIES, THIS IS GROUNDS FOR REMOVAL. 

MY RIGHTS HAVE BEEN VIOLATED UNDER 15 U.S.C 1681 SECTION 602 ( A ). STATES I HAVE A 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 ANY WRITTEN INSTRUCTIONS.

ALSO THE COLLECTION AGENCY CONTACTED ME PERSONALLY THIS IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681C 605A.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I cancelled my XXXX XXXX Membership on XXXX I have been charged {$10.00} XX/XX/2019 to present since I cancelled and additional {$30.00} in XXXX totaling {$120.00}. I originally disputed the charges on line with chase. Eventually they were reverse and I continues to be charged. When I filled the original disputes I told them I had canceled and could provide documentation. I had documented that I expect them to refuse any further charges from XXXX XXXX XXXX. Then I notice I was still being charged on my AMAZON CHASE card for XXXX XXXX XXXX. I called this time they said no problem they would take care of it. Again some time goes by and I am still being charged by XXXX XXXX XXXX. I call and now they are saying they can not dispute all the charges because it past a certain time limit. That's crazy I was very specific when I said not to except any charges from XXXX XXXX XXXX. I have stated this from day one! I go to XXXX XXXX with my documentation and the managers tells me non of the employee that I have spoken to in the past work there. She said she has to fill another cancellation form. What? Said that is the only way to cancel it. I feel that CHASE has acted irresponsibly, I told them this membership has been cancelled on more than one occasion and told them not to except anymore charges form them. XXXX XXXX  XXXX is a scam with there billing practices ... .There is no one you can talk to to get dispute settled. I have documentatuion!
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

I signed up for a monthly subscription with XXXX for roughly {$15.00} I immediately noticed the service did not work. And contacted customer service to make a resolution. Once I realized its the site error I requested a refund at what point I noticed I was overcharged. They charged me {$120.00} I did not receive a receipt at sign up or cancellation receipt. I am only able to screen shot the actual website showing I have deactivated the service and still have my card details on this site despite me asking them to remove them. This company is fraudulent as they are not providing the service they advertise. They are refusing to refund me the Yearly subscription they charged me for or adjust it to the monthly subscription I opted for.

I attempted to contact cashapp who has lead me down a long road asking for receipts when they have the information clearly listed on their transaction history. I am not able to provide anything more than the screenshot that is available to me. CashApp a subsidiary of Square Inc. Is not able to help me with this transaction. I am not even able to contact anyone by phone only email which is taking days to resolve. And at this point I am at a dead end as I do not have a receipt because this transaction was fraud therefore I am being told I can not be helped.

CashApp Customer service is not making any attempt to resolve this issue where my account has been overcharged. Only asking me for information they already have in their system. I just want this charge reversed I have attached a copy of the transcripts with XXXX, CashApp, and the Card they still have on file that I want deleted as I am afraid of more unauthorized charges.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax and XXXX reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX XXXX account. My balance for XXXX  XXXX was report as a zero $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements
Consumer complaint received 2022-07-22
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. (FL)

Today, XX/XX/22 I went to XXXX XXXX to inquire about a vehicle while they were partnered with a local credit union. I specifically asked the agent if they would " shotgun '' or run my credit numerous times, as is standard practice for people doing poor business, and it adversely affects credit. He informed me no, just once. I signed for them to run it, with the agreement that they'd run it ONCE, understandably with the credit union. He said they had been making deals with people credit scores that weren't so great. They ran my credit SIX times, without my consent, all with places unrelated to the credit union. The information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-06
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: Resurgent Capital Services L.P. (NV)

I have disputed a collection account on my report numerous times over the period of at least 8 years. The company reporting the account has no information or accurate records that the account is mine and fails to remove the account. They also continue to readjust the date the information was " opened '' on my account. Not only is the information incorrect, the account is not mine, they can't prove it and never have, but it should have been removed from my report a couple years ago but they keep reporting it. When I have disputed it and they have sent a copy of their " proof '', all they send is a one sheet " account summary '' that doesn't show any proof that the account is mine. No signature of mine, no proof of any kind that the account ownership is mine. I am using this as a last XXXX  attempt to have the information cleared from my account before taking this matter to the courts for violations of the FCRA.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 XXXXXXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2020-10-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/2020, I applied online for a short term loan with Speedy Cash ( in the amount of {$750.00} ). 

The online application offered me two options how to repay the loan - ( 1 ) Monthly or, ( 2 ) Bi-weekly. I selected monthly. It was my understanding that I was giving Speedy Cash authorization to withdraw One ( 1 ) monthly payment in the amount of {$210.00}. Speedy Cash online application gave the impression that there would be only One ( 1 )  withdrawal on the XXXX of each month. 

The first monthly withdrawal occurred on XX/XX/2020 in the amount of {$210.00}. 

On XX/XX/2020, Speedy Cash was not authorized, by me, to withdraw {$210.00} from my account. 

On XX/XX/2020, I contacted Speedy Cash numerous times to inquire why they prematurely withdrew funds from my account without my consent. In my phone conversation with Speedy Cash personnel ( XXXX, XXXX and several others ) I learned there was discrepancies and issues that I never approved. I requested clarification, but their response was uncooperative and vague. They gave me " the run-around '' and would not be forthcoming as I demanded information and answers. Further, I specifically requested Speedy Cash to email or furnish my online application of XX/XX/2020, to compare and verify that Speedy cash was in error. 

I would like to point out that Speedy Cash 's online application disclosure ( s ) were vague, misleading, broad and misrepresents a " Truth and Lending '' provision. 

For example, I sought to remedy and resolve the matter with Speedy Cash respectfully asking for a correction of the problem. To resolve the matter, I asked to be reimbursed my {$210.00}, since I did not authorize the premature withdrawal. I offered a solution to resolve my dispute, i.e., to withdraw One ( 1 ) monthly payment from my account on the XXXX of each month. Also, I gave authorization to Speedy Cash to make payment withdrawals once per month on the XXXX. Speedy Cash stated that I could not change the error, and therefore, I will be binded to two withdrawals each month - which I did not authorize. 

Finally, I am asking CFPB to conduct an inquiry into the business practices of Speedy Cash to ascertain whether they have violated Regulation Z and the Truth and Lending Act, which protect consumers under 12 CFR 1026. 

Please keep me informed to the status of this complaint.
Consumer complaint received 2020-10-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2021-06-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for a mortgage with USAA. I was preapproved for $ XXXX. I purchased a home for much less than that at $ XXXX. I had several issues with my loan processor and most importantly with her supervisor in bullying/insisting that I sign a waiver to my right to my appraisal within the allotted 3 days before closing timeframe or they would push back my closing. The appraisal was requested on XX/XX/XXXX. It was initially received on XXXX and it appraised for less than list. Keep in mind that the home was built in XXXX at XXXX sq feet. The average price for homes of that size in the area are north of $ XXXX XXXX zip XXXX ). 
My first complaint is the appraisal process -- these homes should not go into " XXXX '' which is not a TREC term but a SA term because of the high number of appraisals undervaluing the homes even though comparables support the list prices. I feel this is modern-day " red-lining '' to keep certain XXXX groups of middle income from buying in up-and-coming neighborhoods. 
2. My second complaint is the legality of USAA forcing applicants to sign a waiver to receive their appraisal report within the legal time limit. I have emails and documentation to support all of my complaints.