davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ZuntaFi Corp (CA)

This started with my monthly loan payment amount being increased from XXXX XXXX XXXX XXXX XXXX. I did some research on my own only to find very disturbing facts. Although not necessarily the fault of the servicing company ( ZuntaFi ) I found the reason for the increase was due to the FED RATE INCREASES. Two {$25000.00} balance loans now will cost an additional {$10000.00} EACH thanks to the FED Interest rate increases. Disgusting, but a complaint for another time and entity. It does relate to suggested resolution. 

The complaint here is about THE CALCULATION OF PAYMENTS AND TOTAL AMOUNT TO BE COLLECTED. 

When I did the calculations across multiple student loan calculators I found there to be either too many payments, or too much collected per payment. This depends on how one looks at the loan. When I contacted ZuntaFi and brought this to attention I was given reasons relating to total collection and the sudden ( and significant ) monthly payment increase. The terms of the length of the loan was one reason. The terms of how payment increases may be made if the interest rate increases in order to keep the length of loan term within the contracted time was another reason. 

Whether I agree or disagree with those reasons has no room for debate. HOWEVER, under those conditions the way they calculate remaining payments results in my having to pay almost {$1500.00} OVER ... IN ADDITION TO... THE ACTUAL AMOUNT TOTAL AMOUNT DUE FOR EACH LOAN. 

Essentially 4 additional months of payments after the loan is paid in full. Once again multiple loan calculators confirm this when plugging in THE EXACT numbers provided by ZuntaFi INCLUDING the loan term as their excuse for how payment amounts are calculated. 

It is my belief this would have been completely ignored and I would have paid more than {$3000.00} too much ( two loans of near equal value ) IN ADDITION TO the {$20000.00} total increase as a direct result of FED interest rate increases. 

When I made it aware to my contact at ZuntaFi she told me everything is governed by the contract and the amounts are correct. She sent me information that included payment history and some contracted information and basically closed the conversation ( there were several emails back and forth ). NONE OF THE INFORMATION SENT TO ME ADDRESSED THE CONFLICTING CALCULATIONS though I was told it would answer all of my questions. 

I have not contacted ZuntaFi since receiving and studying the information sent to me. It is my belief I have come to a meaningful end to productive communication with ZuntaFi. That is why I am here. 

Dates of communications are RECENT.
Consumer complaint received 2023-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services (CO)

I had a loan which interest rate is outrageous and can not afford to pay due to unemployed. 
They call me uncountable times a day, every day for months, and they also called my landlord and my previous workplaces. 
It's a harassment!
Consumer complaint received 2023-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I was trying to call XXXX Support for an issue I had with my XXXX TV account. The website came up and had a big XXXX Certified logo and the number came up on the screen just like it normally looks on the XXXX, so I called. 
It starts out seeming like a regular support call. It is hard to hear him due to some choppiness so he states he is going to call me back from his direct line. He does. I go through the regular questions, name, email, etc. Then they say they need to remote into my phone so they can help me trouble shoot what is going on. 
They asked me to download the XXXX  app and they remoted into my phone. 
They said my validation was expired and that they need to troubleshoot an issue with my card and my account. 
That didnt work and they asked me to open Venmo to validate my payment method that way. Im distraught at this point, things dont seem right. I hang up and try to re-check the website I had gotten that number off of, but he keeps calling me back. I answered and was arguing with him about all of the things that had transpired so far and he said, weve frozen your Venmo account so nothing will actually come out. This is just a way to validate your payment. He kind of talks me down and then proceeds to ask me to send multiple payments to 4 different accounts. And when a pop up came up saying insufficient funds I finally just hung up. Deleted the anydesk app. Contacted Venmo immediately, which was extremely difficult. I couldnt get through to anyone and had to send a message through the contact portion of their site where I reported the payments and told them what happened. 
There was no way for me to cancel or stop the payment in the Venmo app, I did look and try. 
They tried calling me back many times after I had hung up and was trying to contact Venmo. So I blocked all 3 numbers they were using. 
XXXX the number I initially called from the website. 
XXXX his direct line XXXX another line The Venmo accounts were XXXX for {$250.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23 and payment to - XXXX for {$240.00} on XX/XX/23. 
I also contacted my bank and locked down my bank account and card and told them what happened. They said no money would be able to be taken out of my bank account. 
They opened up a new bank account and moved my remaining funds into the new account. Ordered a new debit card. 
I deleted my Venmo account later that night I have put a freeze on my XXXX report, so far. Ive reported this to the Federal Trade Commission as well.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

XXXX XXXX  UNAUTHORNIZED INQUIRY XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$44000.00} ; XXXX XXXXXXXX Balance Owed : {$44000.00}.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to file a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initiated contact with Equifax concerning the following erroneous information on my credit report. As of the present date, I have not received any response from them. I hereby provide the details of the inaccurate information and the necessary corrections required : Inaccurate Account Details : Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I received an email from 2023 JPMorgan Chase & Co stating that I applied for a credit card with them. I did not. The next day I received an email from them stating that k requested a new card ; I did. It do this either. 

Someone has applied for credit cards using my personal information that was NOT me.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tromberg, Morris & Parnters, PLLC (MA)

On XX/XX/XXXX, I looked at my XXXX XXXX XXXX bank account and realized that on XX/XX/2023, I was charged to " Legal Order Fees, LTS ''. XXXX for {$120.00} and the other for {$3200.00}. When I asked my bank what this was, they gave the number of a law office in New York. I called and left a message, as well as emailed, but have not heard back. I have never been contacted by this law office and have no knowledge of any judgement or cases made against me.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items below XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below 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 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 XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

During XX/XX/XXXX and XX/XX/2023, I received rent from my roommate. The rent comes in form of zelle payments, XXXX payments total. 

Those payments were suspected by chase to be fraudulent. XXXX suspended my account on XX/XX/XXXX. I lost all access to my checking and credit card account. 

I spoke with over the phone and in branch chase employee on XX/XX/XXXX. They assured me account is closed but fund will be sent via check after XXXX 's investigation. 

I waited patiently till XX/XX/XXXX to call chase again. Over the phone I was told the account is closed for good and check will be mailed out on XX/XX/XXXX. 

I waited patiently till XX/XX/XXXX to call chase. I was told this time the check won't be sent out as XXXX of the zelle payment is determined to be fraudulent. 

I feel frustrated and being lied to about the timeline. 
I feel taken advantage of by chase holding all my funds while claiming to investigate XXXX payment.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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

Here is the list of items that do not belong to me or were opened without my permission. 

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 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
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$340.00} DEL-XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (RI)

Re : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) I am writing to dispute the accuracy information that appears on my credit report. Pursuant to my rights under the Fait Credit Reporting Act ( FCRA ), Specifically 15 U.S.C. 1681i ( a ), I am requesting to reinvestigation of the following item : Service Finance Company Description of Inaccuracy : Charge off reporting every month I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) I kindly request that you conduct a reinvestigation of this matter to determine the accuracy of the disputed information.

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Upstart Holdings, Inc. (TX)

On XX/XX/XXXX around noon time I made a phone call to Rising upstart bank concerning a letter for repo on my vehicle. At the time we discussed a prior payment on XX/XX/XXXX and the total amount due to avoid the letter of repossession going into affect. Their agent told me all I need to do was make another payment and to total the amount requested on the letter of repossession. I went ahead and explained itd be hard for me to make that payment which was needed to be submitted before Tuesday the XXXX of XXXX. He assured me that if I could make that payment the truck wouldnt go up for repossession and all I would have to do is make up the current payment. I did everything possible to make enough money from the XXXX to the XXXX to be able to make that payment. The XXXX of XXXX I made the payment online and tried to contact the company for confirmation. I reached out on Saturday the XXXX via phone call multiple times with no prevail as I was calling with in the hours suggested by their voicemail. I reached out once again on Monday the XXXX to get sent straight to voicemail. Finally I reach back out on Tuesday the XXXX which conveniently was the final day on the repossession letter and I get a new agent on the line. As we go through the process of confirming I am the account holder I finally get to explain to the agent the situation and what the previous agent told me. When I asked if that information was correct I was told that the previous agent was incorrect and that my vehicle after XXXX that day would go up for repossession if I didnt pay an additional amount of money they were requesting. I asked if there was something they can do since the agent before them made a mistake and that I was unaware of this issue since the lack in of communication lasted 2 business day. They basically told me Im out of luck and that if I didnt make the payment that Tuesday the XXXX Id be losing my vehicle after that day. I asked if an exception could be made since I was misinformed by the previous agent and I could make the payment at the end of the month plus next months payment. I was then told again that I was out of luck since the prior agent didnt completely understand the situation. We then escalated the situation and after an hour on the phone I was then told that there was nothing they could do for me. 
Till today all Ive received were emails explaining that their escalation team takes 5-7 days to investigate and that I needed to make a payment today XX/XX/XXXX for them to be able to put the vehicle repo team on hold but since I had a payment scheduled for tomorrow XX/XX/XXXX they wouldnt be able to hold them today till tomorrow they would be able to hold it. 
Ive lost sleep and have dealt with more stress these passed few days dealing with them than I ever have before.