davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX {$730.00} XXXX XXXX {$710.00}
Consumer complaint received 2023-01-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC (TX)

A refund check in the amount of {$410.00} was forwarded from the dealership was to the lender ( Thunderroad Financial LLC ) which they posted on XX/XX/20 as future payments. They then debited my checking account for the monthly scheduled amount of {$170.00} on XX/XX/20. The following month, I noticed my checking account was NOT debited on XX/XX/20 so I called them ( on XX/XX/20 ) to inquire as to why, which is when I learned that the refund check had been posted as future payments, rather than as a principal reduction. I asked if they could re-apply the amounts as a principal reduction. The representative XXXX, said she would have to ask their contract accounting department if they could do so. On XX/XX/20 XXXX called me back to inform that they could not reapply the transaction without causing my account to become delinquent. I asked if they could just re-apply the portion that is now posted as future payments made, and she said they could not. I advised this was not proper and it was causing me to accrue more interest over the term of the loan than I should be paying. 

I should also note that I only became aware of this because I reviewed my checking account online and noticed the automatic ACH draft was not made. Thunderroad Financial LLC does not provide any online account access to customers, nor does it include transaction information in the monthly statements it provides, which make it impossible to know the exact dates and amounts of transactions posted to the loan without making a telephone inquiry.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

First of all, my XXXX score this month is XXXX and the only marks against my credit worthiness are the XXXX late payment records that PayPal Credit XXXX XXXX  reported to the credit bureaus dropping my XXXX score a few points. 

PayPal Credit XXXX XXXX made a change in their grace period terms from XXXX to XXXX days. This change made my due date change from the third of the month to the first of the month. 

I made a purchase using PayPal Credit XXXX XXXX  for their XXXX-month XXXX interest offer. 

My first statement due date was the XXXX of the month and using that information I set up a bill pay account at XXXX XXXX. 

It wasn't until yesterday that I discovered the change in the due date to the first of the month and PayPal charging me XXXX late fees XXXX for {$29.00} and XXXX for {$40.00}. 

PayPal customer service was not willing to refund the late fee charges until I became aggressive over the phone with them. 

PayPal has over XXXX XXXX customers. If this PayPal late fee scam only affected XXXX XXXX customers charged a {$29.00} late fee from changing the due date XXXX days they would make {$29.00} XXXX in XXXX days. PayPal Credit XXXX XXXX might as well be sticking a XXXX in their customer 's back but their excuse is the fine print legal terms of service notices they publish knowing that people don't read them. 

Other PayPal customers have had the same experience. 

https : XXXX
Consumer complaint received 2021-09-10
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I continually get phone calls supposedly from Chase about my rate expiring. The number on my caller ID is XXXX XXXX. When I requested that my phone number be removed, I was told that I had to pay {$1000.00} to have it removed or I would be called once a day. The phone number call was XXXX XXXX and the most recent call was on XXXX XXXX, 2020 at XXXX XXXX
Consumer complaint received 2020-05-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (IL)

On XX/XX/2020 Santander Consumer USA debt collection agency responded to my initial complaint CFPB Case No. XXXX which references an alleged debt that I consider to be be false and inaccurate. I demand Santander Consumer USA produce the original service contract with my signature, written by my own hand. Also, as stated in USC 1605 Truth in Lending USC 1605 a ( 5 ) Finance Charge explains what is supposed to be included in the finance charge. ( 5 ) Premium, or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss. 

What I deduce from this excerpt from Truth In Lending is that insurance is supposed to be included in the finance charge. Based off of my exhibit ( s ) that I have attached, I prove that insurance was not included in my finance charge which constitutes fraud, and fraud trumps any solemn contract. 

I also was never offered any insurance before purchasing, or upon completing paperwork taking possession of the vehicle from XXXX XXXX instead I received an email two days later encouraging me to get insurance for my car through the XXXX XXXX. I never signed to decline coverage which I would have to be offered in the first place to do so. As shown in my exhibit the dealer created a computer generated name and birthdate where my signature would have gone. 

Also I did not write D  as it is written on Santander Consumers USAs copy of the original service contract which I have the original in my possession. The letter D is not written in my handwriting and is not in cursive, which is forgery and I do not appreciate this or take this lightly whatsoever this is unacceptable.
Consumer complaint received 2023-01-02
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. (FL)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnmish a account without my written instructions
Consumer complaint received 2020-05-13
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 {$6000.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

complaint XXXX was filed. Commenity Bank corrected the issue. 
However, the reporting to the credit bureau was not corrected. They brought my credit score down by 50 points. I called the company twice to correct and as of today, nothing was done.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. 

I ask that XXXX  be removed from my credit report entirely. 

Below is details based off report : : : Creditor : XXXX  appears on my credit report 10 times. 

Date Last Active and Date Last Payment : showing different years and dates. 

Date Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, XXXX is showing nothing, Experian is showing Charge-Off. Information is not showing accurately. 

Last Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

So I had 2 late payments in XXXX due to corona virus I have sent in several complaints and this employee XXXX think she is god and the only person I can talk in customer advocacy just piles all my complaints and no else never looks at my requests to get these removed they know they were due to corona virus and no one will lift a finger help this XXXX just closes out all my complaints she thinks she is god and the one person thst works at Capital and she is very rude
Consumer complaint received 2020-05-13
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 {$6000.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This problem is the same issue I had with XXXX bank XXXX. Please reference my previous complaint. I made a transfer from my XXXX Bank checking account to my XXXX mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX PM. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all XXXX major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XX/XX/XXXXand Experian were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor XXXX
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, My credit report was requested from Equifax and it was being reported that I have a XXXX score with Equifax. I have back in XXXX sent Equifax all of my information, and credit reports from other agencies as proof and yet still today I have been denied credit because I have no score with Equifax. Yet my personal information was stolen from Equifax to the sum of me receiving over 30 calls and emails since my information was obtained through their system. I have lost XXXX home loan deals because of Equifax not reporting my credit and have had to pay higher interest rate because of their frailer to report my credit history from past and present. I have written to then sent an affidavit of proof of self and credit that is being reported by other agencies to no avail. I don't know what else to do. How can a credit reporting agency refuse to report your credit history when that's the job of the business. They refuse to simply report my credit history when requested by reporting only that I have a XXXX score with them they have no history for me so they claim yet they allowed someone to hick in and steal my information all together.
Consumer complaint received 2021-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I was contacted by a Navient agent around XX/XX/XXXX inquiring if I was interested in lowering my monthly payments of {$420.00}. During the call, she requested some information, mostly none PII, with the exception of my current salary. Because I was contacted by them and as a precaution, I refused to provide my yearly salary. The agent then advised me that there were other options not requiring salary information and started processing the request to lower the amount. She offered 2, 3, and 4 year plans, with the last one lowering the monthly payment to approx. {$240.00}. I asked to be included in that plan with the understanding that it would go up at the end of the 4 years. The agent even added that before the expiration of the new loan, I would be able to resubmit a new request and restructure my loan all over again. 
Due to what the agent described as some processing issues, she said that she will just submit the request and that I would be getting a letter in a few days with a confirmation that the payments have been changed. On XX/XX/XXXX I received the letter and the amount of my monthly payment was increased to XXXX. Instead of lowering the amount, it actually increased it by {$3.00}. I immediately contacted Navient and they advised me that I did not qualify for the loan that I was offered ( Graduated loan ). Also, and due to my yearly salary of $ XXXX I do not qualify for any other plans. Why this did not come up in the original discussion baffles me. Navient says that this change was going to happen regardless of my request for lowering my monthly payment, but that seems to much of a coincidence. This is bait and switch. They call me and offer me an option to lower my payments and then end up increasing them. The increase is negligible, but how many other people with a different income are they doing this too.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I HAD NO VERIFYING QUESTIONS. USAA DELETED MY PROFILE CLAIMING THEY COULD NOT VERIFY ME ANYMORE AFTER 35 YEARS OF VERIFYING ME. XX/XX/XXXX USAA tried to take advantage of my age & disability tricking me into sending them my drivers license to RECOVER MY PROFILE they claimed. USAA OPENED AN ACCOUNT IN MY NAME I DID NOT OPEN. THEY CLAIM IT WAS OPENED BY PHONE WITH NO VERFYING PHONE NUMBER OR VERIFICATION IT WAS ME XXXX. USAA NEEDED MY DRIVERS LICENSE TO VERIFY I OPENED THE ACCOUNT. I SAW WHERE THEY WERE GOING WITH THE SUDDEN REQUEST OF MY LICENSE AFTER 35 YEARS. I DEMANDED USAA PUT THE REQUEST IN WRITING WHY AFTER 35 YEARS VERIFYING ME USING MY PROFILE I WOULD NEED TO RECOVER MY PROFILE. USAA REFUSES TO REQUEST THIS DOCUMENTATION IN WRITING. WONDER WHY IF SO NEEDED? USAA NOW SAYS THEY DO NOT NEED THE LICENSE SINCE THEY WOULD HAVE TO PUT THE REQUEST IN WRITING. HUH? I DO NOT TRUST USAA. I AM AFRAID OF THEM AS I WOULD BE A CRIMINAL. USAA PROVIDED FRAUD CREDITS {$460.00} XX/XX/XXXX FROM FRAUD OF XX/XX/XXXX. TWO YEARS LATE!! XXXX USAA DESTROYED MY EXCELLENT CREDIT COLLECTING ON THIS ID THEFT. I WILL NOT ALLOW MY HEALTH TO BE DESTROYED FROM USAA ABUSE AFTERMATH OF THE LACK OF ID FRAUD THEFT RESOLVE ANYMORE.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NC)

I had 11 withdrawals made at a XXXX XXXX ATM. Someone was able to skim my card and American Express Serve refuses to acknowledge and refund the transactions. I've filed a police report and have sent them supporting documents showing that I was at work when the transactions occurred. They refused to get a subpoena to access video footage. This has been going on since XX/XX/XXXX. They said there " investigators '' determined there was no fraud but no one knows who took money from my account.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

This company has been charging me interest on my unpaid medical bill and its decreasing my credit score every month. They have not sent me a bill, and I only found out about them because I looked up my credit score. When I called on XX/XX/2020 at XXXX the representative informed me that there is a 10 % interest on my account. I have never agreed/signed any contract regarding the interest and I believe they are violating the Fair Debt Collection Practices Act which states that a collector may only charge interest and fees as they were outlined in the original contract. seeing that it was a medical bill, it never had an interest or fees agreement. The representative told me someone will call me and i also e-mailed them, so far no reply.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (NC)

No reply from credit bureaus they sent me a generic reply. Nothing with my signature nothing showing I legally owe this debt. There

s 15 accounts that are showing closed thats over 10 years and still showing on my reports. See attached of student loans still showing on my report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.