davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Alorica Inc. (WA)

I had a credit card account with XXXX. 

XXXX has gone bankrupt and closed. They sold all their debt to SST - Systems & Services Technologies. They closed credit lines and my account simply should have shifted into repayment only. 

My interest rate when the debt was sold was 13.99 %. It is a fixed rate. 

SST is in violation of servicing the debt they purchased, as they increased the interest rate to 19 %. They are in violation of the terms of the account and are gouging assuming they will get away with it and nobody will report them. 

They even say in their " welcome '' letter that NO TERMS OF YOUR AGREEMENT WITH XXXX HAVE CHANGED.
Consumer complaint received 2023-04-21
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. (TX)

I have asked the credit bureau to change my address to my current address and they will not change it. I do not get any mail at XXXX XXXX XXXX, XXXX, Tx XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Equifax in the past and the information was not changed after their " investigation ''. Please update this information immediately as it has hindered my ability to obtain credit and employment.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX 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 2023-04-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Commencing about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) whether Bank of Americas conduct was unfair ; and ( vii ) whether Bank of America has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I 've had an old navy credit card for quite some time now. I 've never had a late or missed payment. I paid the credit card balance off which was {$140.00} and they closed my account. I feel as if this looks bad on my credit report. I 've been a very loyal customer.
Consumer complaint received 2023-04-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (SC)

XXXX XXXX told me I owe XXXX dollars on interest fees, they said I have to pay the Interest fees, ,they change different now you have to pay it also with the payment I took out XXXX,, now Ive XXXX XXXX with no refinance are pay off taken my vehicle ( ( ( my son and the military and I took it out in 2021 there changing my contract so how!!!! please help
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America stopped my credit card. I noticed it when I tried to use the card for the XXXX XXXX  in XXXX, which was {$2.00} one ticket. I contacted BoA on XX/XX/XXXX with one of their customer representative, and was told that my credit card has been stopped so that I will not be able to use the credit card anymore. At the same time, the checking and savings accounts of mine with BOA will be closed in two weeks too, which will be done the process of deleting those bank accounts on XX/XX/XXXX. I asked the reason why they decided to delete all my accounts, and they refused to answer and said they made the decision based on their policies. I wont be told the reason based on their bank policies either.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

Last year I began receiving notices from Truist Bank about a delinquent account that I did not open. The statements stated that my account was overdrawn by over {$10000.00}. Id reached out to Truist Bank and informed the representative that I spoke with that it was a fraudulent account and I was told the account had been closed and that it was being reported to credit agencies that it was fraudulent. To date, I am STILL currently receiving notices from Truist bank about this account and the account is still accruing debt because of maintenance fees being charged to me by the bank. I've spoken to a number of individuals, and I don't understand why this matter is yet to be resolved. This is issue has greatly impacted my credit and I am still confused as to how someone else was allowed to open an account in my name with no verification of identity.
Consumer complaint received 2023-04-21
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. (CO)

PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear Experian, XXXX, and XXXX The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 
4 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation. 
5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 
According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

Experian, XXXX, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : 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 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (PA)

My FSAL was scheduled to close in XXXX, this did not happen. ACS was the loan holder of record. Why didn't the FSA loan close as scheduled in XXXX? Instead the loan was acquired by NELNET in XXXX and two cancelled loans from XXXX, XXXX dollars, never disbursed were added to my FSA. This is illegal. Another TRUMP ADIMISTRATION FINANCIAL CRIME! The FSA promissory note was signed in XXXX for 14 loans, scheduled to close in XXXX. Where are the records that record my FSAL was scheduled to close in XXXX? Who has them? It is illegal not to have a record of when loans are scheduled to close. My FSA account now shows there are 17 loans, this is fraud! There is one promissory note for 14 loans signed in XXXX. Close my FSAL immediately! It is five years passed the scheduled date to be closed. The XXXX one loan consolidation is too old to be reported to the XXXX Credit Bureaus as it is passed the 10 year old reporting date. Close my FSAL account immediately it is five years passed the scheduled close date of XXXX! It appears this is another TRUMP XXXX XXXX XXXX!
Consumer complaint received 2023-04-21
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$3000.00} XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for Chase Bank, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

This issue relates to XXXX transactions. My originating account is with XXXX XXXX, and I make transfers to my Texas XXXX XXXX XXXX account and a Wells Fargo account. In the last month or so, along with legitimate XXXX transactions, unauthorized transfers have been made. I have met in person with XXXX XXXX, Texas XXXX XXXX XXXX, and Wells Fargo regarding these unauthorized transactions, and have identified a pattern. 

INCIDENT # 1 - XX/XX/2023 Received the following e-mail from Wells Fargo. You received money with XXXX. [ My name ] sent you money. Here are the details. 
Date XX/XX/2023. XXXX {$40.00}. Confirmation code XXXX. This money has been deposited in your Wells Fargo account. For more information, please call Wells Fargo Online Customer Service at XXXX, XXXX hours a day, 24 hours a day, 7 days a week. 
XXXX XXXX includes multiple phone calls to XXXX & Wells Fargo, followed by meeting in person.XXXX  had no record of this transaction. Also met with XXXX XXXX XXXX to rule out a misdirected XXXX transaction, but no record. Met with Wells Fargo. Their banking system identified this as an actual deposit. I was advised that there is a scam regarding false deposits often followed by a text message from someone claiming it was accidentally deposited to my account and requesting return of the money. I did not receive such a text and would not respond if received. I submitted a complaint to the FTC on XX/XX/2023. 

INCIDENT # XXXX - XX/XX/XXXX. 2023 Received a message from Wells Fargo referencing another fraudulent deposit with confirmation code XXXX, this time for {$35.00} ACTION TAKEN - No record of such transaction from my XXXX records at XXXX XXXX. 

XXXX XXXX  says there is nothing they can do, as they have no record of these transactions. Wells Fargos system seems to have a flaw allowing it to accept these deposits, so they see it as legitimate, and XXXX says they cant do anything because they dont have access to these accounts.
Consumer complaint received 2023-04-20
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 (NY)

Dear PayPal Customer Service Team, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was made in error and would like to request a re-investigation of my case. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always been a responsible user of your platform and have never engaged in any activities that could potentially harm PayPal or its users. Therefore, I was surprised and deeply disappointed to learn about the permanent limitation on my account. 

Secondly, I would like to highlight that I value the services and opportunities that PayPal provides and would like to continue using your platform for my personal and business needs. Being unable to access my account has caused me significant inconvenience and financial losses, and I would appreciate your prompt attention to this matter. 

Finally, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough review of my account history and transactions will confirm my compliance with all PayPal policies and procedures. 

I would like to thank you for your attention to this matter and look forward to a favorable resolution of my appeal. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I rented a minivan including XXXX insurance from XXXX XXXX XXXX Airport XX/XX/XXXX for 4 days ; the vehicle was flood-damaged during Hurricane XXXX while parked in a hotel parking lot where I was staying in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The local area was severely damaged and without communications, electricity/power, or water. All electronics in the car were inoperable and access could not be gained ( due to the car having only electronic locks and no key locks XXXX. With regional devastation from the hurricane, communications were not available and there was no means to contact XXXX or anyone else. After several days stranded at the hotel, I was able to get a ride to the airport for evacuation. On the way, we passed the XXXX rental car facility and noticed that it was badly damaged and appeared to have been abandoned. The first opportunity to contact XXXX was made upon my return XXXX XX/XX/XXXX through their contact page on their website. I also contacted Chase to notify them of the situation and requested closure of my account to avoid unauthorized charges. Chase informed me that even if the account was closed, the charges would still come through. 
No responses were received XXXX until XXXX separate charges were posted on my Chase Freedom Visa card XX/XX/XXXX totaling {$9700.00} plus XXXX XXXX transaction fees totaling {$290.00}. I contacted Chase multiple times to dispute the charges through several rounds of disputes, insisting that specific documentation was needed as to why the XXXX insurance was not being accepted and why I was not being provided an itemized list of the charges. I also filed an insurance claim with Chase that they also rejected claiming that it was voided by the XXXX insurance that I purchased which I informed Chase that XXXX informed me was required by XXXX law ( so there was no option for me to decline the XXXX insurance at the point of rental ). Chase is unresponsive to this information. XXXX has consistently been unresponsive and inaccessible through their various XXXX numbers and refusal to provide contact names, direct phone numbers and/or emails. 
Chase 's multiple investigations yielded a copy of my original rental agreement and what I believe is a fraudulent charge for damages, with the charge being entered into a blank Chase card imprint that XXXX also required me to leave with them at the time of the rental. I continued to insist that Chase provide specific documentation re. the insurance and charges but Chase has not been responsive and has since claimed that the charges are valid despite my protest.
Consumer complaint received 2023-04-21
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. (FL)

Transunion responded to consumer 's most recent dispute regarding inaccuracies reporting on consumer report. Transunion must report accurate information according to the Fair Credit Reporting Act. The inquiries, adverse accounts, and fraudulent collections accounts need to be removed immediately. Transunion responded that the information was verified and the FTC Fraud report was not valid. Consumer is now requesting that Transunion provide documentation used to determine inquiries were authorized by the consumer. Transunion has 10 days to provide consumer with the name of individual that verified the information, documentation that was used in the verification process, signed application containing wet signature and please note consumer is NOT ASKING FOR E-Oscar report. Consumer is requesting a copy of the Consumer File, Not Report. Failure to provide the mentioned documentation Transunion must delete the information/accounts immediately. Transunion is liable under the Security Exchange Commission to follow certain rules due to the fact that they are securitizing the data on the credit report. If this credit reporting issue is not resolved in good faith and promptly I will be filing an IRS form 211 omb to audit consumers account. Transunion commission file XXXX XXXXXXXX TRANSUNION INTERMEDIATE HOLDINGS, INC. ( f/k/a TRANSUNION XXXX ), a Delaware XXXX XXXX Holdings ), TRANS UNION LLC XXXX a XXXX limited liability company ( the Borrower ), the Guarantors, 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