davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  is completely violating my consumer rights I have been nothing but a loyal customer. To have this type of mistake on my report is damaging my life. An investigation was completed but proof ever rendered only a statement? Under the FCRA 15 USC 1666B ( a ) it states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date./ When no proof of late or missed payment can be verified XXXX XXXX is in violation of my consumer rights. As you are directed to have reasonable procedures
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Due to a miscalculation, I had an unpaid balance of {$7.00} after I submitted my payment due for XXXX with Capital One. I had a pending refund and subtracted the wrong amount from my balance due. I was charged {$20.00} dollars in interest on my next bill. I then promptly paid my balance in full, an amount over {$1800.00} by XX/XX/XXXX, when payment was not due until XX/XX/XXXX. On my most recent statement I am once again being charged over {$15.00} dollars in interest with my next payment due on XX/XX/XXXX. I have spoken with Capital One representatives who state they can do nothing about the interest charged a second time even though the previous months significant balance was paid in full. I have worked diligently since XX/XX/XXXX to pay off my balance monthly with the exception of one balance in mid XXXX. To not allow a grace period or to take a look at the circumstances resulting in a small unpaid amount and then charging approximately $ 35+ in late fees for a consumer with excellent credit and a long history with the company is an indicator of poor and unethical practices.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed a copy of my currrent credit report and show inaccurate information with creditor name XXXX XXXX account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted XXXX XXXX you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.
Consumer complaint received 2022-03-27
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)

I have several inaccuracies on my transunion credit report and I have disputed them all dating back to XX/XX/XXXX and I have not heard back from the bureau with any information in regards to my disputes and its now XX/XX/XXXX. I have wrote many letters with no response. I have not seen or been made aware of any changes to my report
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2021-05-28
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: World Acceptance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (GA)

Dear CFPB, Today I have asked Zwicker & Associates to cease and desist from contacting me and to date XX/XX/2022 they are still sending threatening letters and communication regarding a debt that was part of identity theft. They sent to me a docusigned document that I have no recollection of even completing nor signing. I say to myself if I received the alleged amount I wouldn't have any debt at all and there is more than one account that was created summing a lot more total dollars. 

I received a letter from the IRS on XX/XX/2022 Integrity & Verification Operations, Program Manager which gets no more legal than this. I am still being plagued by identity theft and have since been instructed by the IRS to contact the three bureaus, local police and in this case my name was signed the same way. It's obvious that it is east for anyone to create accounts make payments etc.., According to the IRS agent they had my bank account information and address etc..in which they did an entire tax return and according to the IRS they submitted documents being me XX/XX/2022 twice and it was accepted on XXXX XXXX with a signature as well. In the meantime I ask that while I continue to work on my ID theft that they " DO NOT '' contact me anymore and that includes mailing to me threatening letters stating that they are trying to collect a debt that isn't owed by me.This is not my debt! None of this is true, none of this alleged debt is mine. XXXX XXXX went so far as saying they contacted the XXXX Police Department and lied about who they spoke with and any validation. Their response to me was they stated that it wasn't ID theft yet they have a police report on file with all of the listed accounts. If XXXX XXXX would have done its job when I contacted them regarding my ID theft we would not be hear today. This demonstrates their lack of integrity and how the unethically handles business. 

This is " NOT '' my debt.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AK)

in XXXX of 2021 I received a tax exemption on my property taxes. In XXXX of 2021 I sent a copy of the exemption to Loan Depot and requested an escrow account review. They told me they couldn't do that without knowing an amount. My Borough sent them a letter stating I received an exemption. nothing happened and they were not interested in correcting my over payment to escrow. 

On XXXX XX/XX/2021 I sent them my new tax bill which showed my taxes for XXXX to be {$170.00} for the year. ( my exemption is for {$210000.00} in assed value ) I requested an escrow review and then I received notice that my payment was going up because I supposedly had a shortage in my escrow account. I contacted them again repeatedly. I asked to speak with a supervisor and they told me one would call to day but have not heard from anyone. When I call and ask for a supervisor i am told one will call me but no one does. 

I can't get through to these people that i am overpaying into my escrow and i have an overage in there not a shortage. they dont seem to care and want my money so they can use it to fund other loans. they pride themselves in good customer service but i have received the worst customer service ever in my entire life and nothing seems to get through to them
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however XXXX, XXXX, and Experian continues to allow American credit acceptance to break the rule. They have exceeded the time long before I made this complaint. XXXX XXXX XXXX has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

*THIS IS A FOLLOW UP TO MY PREVIOUS CLAIM TO BE SENT TO VENMO* This is kind of a two part problem with BOTH Venmo and XXXX. What happened was is that I attempted to purchase football tickets through an individual online, I know huge mistake. I was scammed. They requested {$120.00} ( XXXX XXXX XXXX ) through XXXX. I sent it and the person claimed they never got it. So we attempted Venmo, in the promise that they will return the original {$120.00} IF they receive it. So I sent {$40.00} ( XXXX  XXXX XXXX ) on  Venmo and another {$110.00} ( XXXX Mobile Banking ) through another bank that I have. Same thing. They claimed they never got it. Thats when it started to click that I was being scammed. After I refused to send anymore money, they blocked me. I have no way of contacting this individual. I have attempted every possible route to recover my money. Venmo and XXXX wont help me. My banks wont help. My XXXX XXXX XXXX XXXX department recommended me to go through this route. Is there anything you guys can do for me?
Consumer complaint received 2022-04-11
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. (TN)

According to the government, loans are supposed to be brought current and with no reporting of default or delinquency. You all are still reporting delinquencies from closed accounts from 7 years ago. I need these delinquencies off my report.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (OH)

I received a my XXXX XXXX XXXX XXXX from community capital bank that I did not apply for, did not give permission to pull my credit, do not want. I visited a XXXX XXXX store on XXXXXXXX XXXX XXXXXXXX. This application that granted a card was started then. 
Every time you check out the cashiers try to push credit card applications. I always say no. Apparently these minimum wage bottom dwellers get bonuses for every application they get. The cashier obviously entered yes and also violated my credit by authorizing a credit check as well. 
I have tried multiple times to contact this bank to request this account be canceled, my credit be repaired, compensation made, and the XXXX XXXX cashier executed for their crime. This bank has made this an impossible task by jerking me around for hours on hold
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, Equifax, and XXXX are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NC)

Opened a credit card with synchrony bank and they offered {$100.00} cash bonus after spending {$1000.00}. I completed the requirement but never received my bonus. Called several times and did not get a response. This unfair business practice and deceptive advertising
Consumer complaint received 2022-03-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC (VA)

XXXX i made a payment and the company is saying they never received it.. 
WILLIAMS RUSH & ASSOCI XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (MD)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). Please remove these inaccuracies from my consumer report immediately.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (AL)

I have sent multiple letters to this company and the credit companies with no response more than 45 days later. I have tried to get this issue resolved but somehow have hit a stone wall due to the unresponsiveness of this company which has hurt me finically. I have never heard of this company before it was placed on my credit report I was not given a chance to dispute the alleged debt. I do not have any contract with this company I do not owe this debt I have sent out multiple to letters to have this debt validated it has been more then a month now approaching two I ask that this account be removed from my credit profiles as required by law. Also s a consumer my rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with federal grand jury or written instructions.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I am a Paypal business account holder. I have used my PayPal account for almost 4 years now. On the XXXX of XX/XX/2020, I woke up to see Paypal permanently limited my account for no reason. I am a university XXXX studying XXXX XXXX, XXXX  and also have some family members who depend on me. I borrowed money from people to expand my virtual tradings. As I am talking, all the funds have been locked up in Paypal for 180 days. Honestly speaking I can't wait for the 180 days because if I try to wait, I will either go to jail or commit XXXX. I have an amount of {$1400.00} USD locked up. I have contacted PayPal through XXXX but the response I received wasn't encouraging. I am partially homeless now. I would happy if you can intervene to save me from this misery. I just want to die now. I am XXXX  and not as fine as I am talking. 
I want PayPal to allow me withdrawal my funds urgently or restore my account. I have never engaged in criminal activities with my account before. I use my account only for business and payment of school fees. I don't deserve to be treated like this. My Paypal account address is XXXX. Thank you My PayPal limitation Reference ID : XXXX
Consumer complaint received 2022-03-27
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. (FL)

My XXXX is stating I have an open account for XXXX and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with XXXX, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new XXXX XXXX balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through Experian. I am calling XXXX as soon as they open their customer service.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX  is showing as an account that not only has a balance but that is still open and that it was included in a bankruptcy, which dropped my score XXXX points. 

I disputed it with experian as well as XXXX  around XX/XX/XXXX and its not changing. 

I spoke with XXXX XXXX on XX/XX/XXXX spoke with XXXX who said the account shows as a total loss in XXXX  computers thus there should be no more reports and account was reported as closed. 

XXXX claimed the dispute was finished on XX/XX/XXXX and didnt change the information. I contacted XXXX again on XX/XX/XXXX and spoke with XXXX who said again the account is closed as of XXXX with XXXX and yet credit bureau is reporting false information with the account still open as of XX/XX/XXXX. 

I have once again disbuted this with experian and XXXX and they are NOT FIXING THE INACCURACIES! They are ruining my credit score and doing nothing to fix the wrong information by saying its true when the company ( XXXX ) clearly shows different and correct information.
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (TX)

I bought items from XXXX and XXXX XXXX  provided a loan through TD Bank. Everything was fine until they switched how you pay, they created a new website. No email nothing noting the change. I wasn't able to make payments. I called 20+ times I have the call logs ). Hold times are more than 1 hour ( never waited longer ). Finally, their bill collection called me, walked me through the process to set up a new account, and waived past-due fees. In setting up my account, and still today, the new site does not accept my banking info. I get an error message saying " Something went wrong, please try again. For assistance, please contact customer service ''. That's it. Customer service has never answered, not once. I have screenshots of the wait time when I've called. I have screenshots of the error message. All I get is the collection department calling me now but all they can do is transfer me to the same customer service line that does not answer. I am unable to make a payment. I will retain a lawyer and sue if it affects my credit score.