davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-04-27
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}
Consumer complaint received 2020-04-27
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Store credit 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: Atlanticus Services Corporation (CO)

MY FORTIVE/XXXX XXXX-BUYER BEWARE!!!!! 
PAID PERFECTLY FOR A FULL YEAR, MADE A PAYMENT ARRANGMENT FOR FINAL PAYMENT WITH A POST DATED CHECK TO AVOID DEFERRED INTEREST CHARGE AND WAS CHARGED ANYWAYS EXTRA {$940.00} PLUS FEES
Consumer complaint received 2020-04-27
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: EQUIFAX, INC. (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NV)

During the COVID-19 pandemic there have clearly been increases in online purchases particularly amazon.com. I have been granted a low limit secured credit card which has remained in good standing since inception which is well over 6 months is not a year. However, this low limit has forced me to make multiple payments toward the account and regardless which method of payment is used by me toward the secured amazon.com store card a hold of funds is ALWAYS placed. I have used secured electronic bill-pay through my bank 's online banking service which no other credit lender holds, yet Synchrony fail to see even this form of payment as non-guaranteed. I can understand by Walmart made the business decision to leave this bank as their store card provider. 

In the past, without exception Synchrony customer service has been able to release the payment hold. I am assuming the fact that I continue to use to the same payment method directly via their website using my bank 's ACH information and no returned payment history have allowed this " policy '' exception. I have never had to ask for a payment 's funds be requested until recently with the coronavirus situation and forced increased online purchasing.

Most recently, I had to make another call to Synchrony and ask for another payment hold be released but this request was  declined without reason. Even after attempting escalation with a " supervisor, '' the request was still declined. I was put in a compromising financial position due to these factors and my life was potentially in danger based on the purchase required. It feels unfair and deceptive to cardholders that there are no clear terms set with regards to potential payment holds and how to avoid them.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I am writing to about XXXX XXXX XXXX. On XXXX XXXX I was given a citation of eviction for XXXX XXXX XXXX  XXXX XXXX dollars.On XXXX XXXX. I had a court date and the Judge ruled in my favor to pay XXXX XXXX XXXX  XXXX dollars My rent for XX/XX/XXXX was XXXX XXXX XXXX   XXXX dollars with late fees included of XXXX XXXX dollars along with the filing fee of XXXX XXXX  XXXX dollars. Mrs. XXXX was in court asking for XXXX dollars and the judge asked her why?. She couldn't explain to the judge what was the amount including that is when he made a judgement in my favor for XXXX XXXX XXXX  XXXX dollars including filing fee of XXXX. In XX/XX/XXXX, I had received a notice of move out charges were I didn't agree to. I moved out as of XXXX XXXX. In the state of Texas after eviction you can't stay in the place if you do stay the management have to go back to court to get the constable to evict you but we left an moved bwecause the Judge asked me to move within five days. I had moved in with my mom until XXXX XXXX. We moved into a hotel on XXXX XXXX until my apartment was ready on XX/XX/XXXX, Also the itemized move out letter stated We had moved out on XX/XX/XXXX. Mrs. XXXX charged me rent for XX/XX/XXXX, late charges and the eviction fee the courts had already included in the amount I owed XXXX XXXX stated I caused damages without rendering my security deposit back. The damages were foreign to me and made up. Mrs. XXXX was later fired from XXXX XXXX XXXX for stealing from tenants. I have disputed with Pro Collect and the credit bureau since XX/XX/XXXX about the facts of this matter. Both Pro Collect and The Credit Bureau had told me the information is verified. Furthermore, I only receive the amount owed on my credit report XXXX and the statement from Pro Collect is XXXX and the amount with the court is XXXX. This also paced on my son 's credit and he wasn't responsible for this debt he was in high school. He had to be placed in the adults section because he was XXXX years old.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

Equifax Data Breach XXXX  I filed my claim for free credit monitoring in XXXXXX/XX/XXXX. 
I received no email or contact verifying this but read that many people also did not receive information back and that the company would send out a code after the court settlement was finalized which turned out to beXX/XX/XXXX ... the day after the final date to file a claim. I have been a customer of Equifax paying {$19.00} a month since well before the breach. I filed a claim for free credit monitoring since I felt whoever took the information would be using it at a later date. It is now well after the date to file and conveniently the settlement did not start until you received your response AFTER the claim date so if there was a problem with your claim there is nothing you can do about it. They are saying they can not find my claim now ... and sorry- too late to do anything about it. I feel more like a victim now than after the breach!! I I feel that their waiting until after the final claim date to notify you was just a sly way of cheating breach victims out of their recourse. Please help with this issue!
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I have attempted to remove a security freeze with Experian in XX/XX/2020. I mailed them my name, government issued id, and a utility bill from my current address. I can not access my PIN nor can I speak to a live person. 

I apply for new credit cards and they are denied because of this freeze that I want permanently removed.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
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 XXXX XXXX XXXX  and the subsequent response  received on XXXX  XXXX, 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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 








2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is attempting to collect on a debt that is several years past the statute of limitations in Georgia. 

They mail us at home ( XXXX ) and telephone at work, during the day, to collect this outdated debt, even after being told to stop telephoning work. 

They acquired the debt XX/XX/XXXX ; the account was originally opened in XXXX. The statute in Georgia is six years. It it XX/XX/XXXX.
Consumer complaint received 2020-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

Tried several times and put on hold minimum of 35 minutes.. Customer repj. would transfer to 2-3 departments and then phone would be cut off. We would have to go thru the same thing over with more waiting and nothing being done with people who we can hardly speak English. Frustrating when you are being on hold more than 20 minutes. I PAID OFF MY balance of {$10000.00} on XX/XX/20 per my conversations with the rep on that day and on my statement. Told them to closed my account. When to see my credit score on XX/XX/20, it went down from XXXX to XXXX because I was being charged of {$110.00} interest that I was not aware that Citi bank charged me after I paid off my balance. Called theme and always being putting on hold after I told them to reverse the fees and reverse the late payments on my credit report. HELP
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

My family was impacted by XXXX, I am in real estate and was unable to work and all of us were sick the first part of XXXX. We immediately utilized the XXXX assistance program for mortgages with Chase. We were assured we were safe for 90 days. We have paid our mortgage ON TIME for 14 YEARS!! Chase then reported my missed payment to my credit report and I contacted them right away. They assured me they would correct, and again they were there to support me and not to worry as they would be in touch after the 90 days to assist with options. I received notice of my loan being transferred to XXXX XXXX as of XXXX on XX/XX/XXXX via USPS. I immediately researched the company and there are a number of complaints about their unwillingness to support homeowners. They are in fact an REO machine!! I made several attempts to contact Chase ( waiting over 3.5 hours at a time on hold and then via messaging through the app ( as directed when they hang up on you after holding for 3.5 hours ). Finally got through today, and was told they are working on repairing my credit. I expressed my concerns with XXXX XXXX and the fact that I was being transferred 2 months behind in payments making me vulnerable to their questionable business practices. 
I do not feel this is fair or even legal, to sell my loan off during a global pandemic when my account was supposed to be on hold in the first place to protect my home!! Chase has left me vulnerable, and both companies are profiting off of a global pandemic!! I need help to stop this, please.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

In 2015 I purchased a XXXX $ tv from Best Buy with a 2 year interest free BestBuy Citibank credit card. I wanted the minimum payments to pay off the tv in the 2 years and never made another purchase on the card. The statements were being sent to an email address that I was unable to access. We had a Fire early last year and need to replace all the electronics so when I applied for a new credit card under new email address that's when I found out that I've been paying XXXX $ a month for the past 5 years. for close to XXXX $ with a balance of XXXX or so left. We contacted a supervisor at Citibank and explained the situation to XXXX team number XXXX out of Tennessee. He refused to remove the interest charges and said there was nothing anyone could do about it. 
I appreciate you looking into the matter and any assistance you may be able to give
Consumer complaint received 2020-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I have been trying to forbear my private student loan with Firstmark Services ( I guess  through XXXX ) since XX/XX/2020. I called and emailed that day with no response. 

I emailed Firstmark Services on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Investor Relations ), XX/XX/XXXX ( Investor Relations-XXXX  XXXX XXXX, XX/XX/XXXX ( still trying to forbear my loan ), XX/XX/XXXX ( complaint about total of what I owe being changed on front page of account ), XX/XX/XXXX ( asking and praying for them to not be dishonest anymore ), XX/XX/XXXX ( another complaint about them changing what I owe them in total on the front page of my account again. 

I have talked to XXXX on the phone on these dates : XX/XX/XXXX XXXX XXXX XXXX XXXX ( I think it might be XXXX XXXX or someone else named XXXX. She called me, and I called her back at XXXX XXXX XXXX XXXX XXXX. She then called me on XX/XX/XXXX, and I had to call her back with the same 800 number. She had me write down contact information about Firstmark Services and XXXX, and she emphasized which XXXX number to call. I called the XXXX number she suggested at XXXX on Monday, XX/XX/XXXX. The first time I called, I talked to woman. The call dropped. I called a second time. A man answered. He asked for some information and said he was forbearing my loan for three months. Oddly enough, he said XXXX XXXXNSTEAD of XXXX. I dont know why he said it that way. I havent heard anything from them ever since. Even though he said he put it on forbearance, my loan on the Firstmark Services website says I owe {$140.00} on XX/XX/XXXX as always. I have checked the website most days with no change. I even sent an email request with the form they suggest on Wednesday, XX/XX/XXXX as a last resort. 

What I originally owe on my loan is {$2000.00}, as stated in the account details. On the front page of my account, however, they are slowly making the total amount on my account slightly higher. ( I take pictures on my phone of this whenever I notice a change. Im also autistic, so I easily notice details like this. ) On XX/XX/XXXX, they changed the current balance to {$2000.00}. On XX/XX/XXXX, they changed it to {$2000.00}. 

Im still learning about how private student loans work, but I never knew how much they mishandled things and lied to their clients until the COVID-19 pandemic came. I dont even know where and how to refinance yet, but I believe its an injustice for these banks to not only take advantage of me but also others, especially people with student loans. I need help. Thank you!
Consumer complaint received 2020-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My name is XXXX XXXX and I have a USAA auto loan ending in XXXX. I contacted USAA in XX/XX/2020 to request a Covid-19 related extension USAA gave a 30 day extension. At the time of my request the stay at home orders had only been for 2 weeks and since then have been extended well into in the middle of XXXX. I have been deeply impacted by Covid-19. Last week ( Week of XX/XX/2020 ) I contacted USAA to ask for a second extension and to my disappointment I spoke with 3 representatives each of which at random times cold transferred me to a new Represenative each of which had limited to no helpful information or authority in which to assist me. My autoload is due XX/XX/2020 and work is at a complete standstill in fact I am now unemployed and have not even gotten any benefits or stimulus payments. I am requesting that USAA differ payments on this loan by 60 days. Furthermore, I am very disappointed in the mishandling of this entire matter based on last weeks phone call to USAA. Please communicate with me in writing only, do not call me, do not record me if you do call me.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

Southwest has not contacted me about this debt. Their initial communication with me has never happened. I disputed this debt and asked for validation, they sent me nothing. They have violated the FCRA and FDCPA multiple times. This is unreal, please help me!