davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I learned yesterday XX/XX/XXXX that on XX/XX/XXXX {$2000.00} was applied to my credit card account. That same month I also made a {$1700.00} payment myself. I never did pay attention to what my available balance was or did the math on it. All I saw was my available credit balance went up especially since now I see my payment was close to the amount of the {$2000.00} and I assumed it was from my payment. I didnt review each and every transaction so I missed seeing the {$2000.00} addition. 

I learned all of this yesterday morning because ( a whole 7 months later ) I saw a {$2000.00} debt listed as payment adjustment and a debt for {$32.00} listed as Finance Charge Prev Cycle Charges My first thought was that fraud was happening and that my credit card account info was compromised. When I called my bank thats when they told me that back in XXXX they made a mistake and applied someone elses payment to my account and that the {$2000.00} debt was them not only taking it back but also charged me finance charges on it. 

Now my account is in the negative. The limit on the card is {$7500.00}. Ive NEVER maxed out my cards or spent over the balance but now I'm in the negative - {$1600.00} and theyre telling me theres nothing that can be done despite the error started on their end. Now I'm afraid this will be reported to the credit bureau and they will charge me a fee for being over. They made the error by misapplying they payment and I made the error in not catching apparently! 

I have previously paid my card in full and then started using it again. Starting in XXXX I made payments monthly for XXXX, XXXX and in XXXX. I acknowledge not making payments in XXXX, XXXX and XXXX. However I did make a payment this month in XXXX. I didnt make those payments for XXXX, XXXX & XXXX because during those months my statements said {$0.00} due for those months so I took the opportunity to catch up on other bills since having some leeway with my credit card payment for those months. But as soon as I received a statement that showed an actual amount due ( Which was for this month XXXX ) I made the payment, on time and a little over the amount that was due. 

With that being said Ive always had an available balance. Ive never myself taken my card down to XXXX  available balance or over my credit limit. At the time that the bank realized their error I had around {$400.00} or {$500.00} available balance and now Im over a XXXX dollars negative and my bank doesnt care that this misapplied payment messed up my account for me and now I have to bare the repercussions. I dont think this is right!
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC. (NC)

I am writing to address a deeply concerning and inappropriate incident that occurred in relation to my car purchase at XXXX XXXX in XXXX, Ga dealership. My intention is to bring to your attention the unprofessional and deceptive conduct I experienced, which I believe reflects poorly on your establishment 's values and practices. 

As a recap, I visited your dealership with specific requirements for my vehicle purchase, including a maximum APR threshold and the inclusion of full Gap coverage. Regrettably, these requirements were not upheld, and I was left deeply dissatisfied with my experience. Exeter Finance is the company that they financed me through but told me I had a lower APR and gap coverage but after 3 months I found out it was all a lie. 

However, what transpired afterward has left me both shocked and disappointed. After 2 months an individual from XXXX XXXX XXXX drove a considerable distance of two hours, in the middle of the night, to surreptitiously place the necessary paperwork from Exeter Finance in my car. While I acknowledge the effort made to rectify the situation, this action raises serious concerns about the transparency, honesty, and ethical standards of your dealership.
Consumer complaint received 2024-01-03
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$84.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX , SC XXXX.
Consumer complaint received 2024-01-03
Product: Credit reporting 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed 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
Consumer complaint received 2023-12-06
Product: Credit 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: JPMORGAN CHASE & CO. (WI)

I was locked out of my Amazon account ( my husband seems to recall we were trying to watch a movie through XXXX XXXX ). I called the number it said to call to unlock my account. The person said my XXXX XXXX had expired. I questioned that I thought my Amazon came due in the fall but the person said no, it had expired and that Amazon was offering a 3 year deal for XXXX XXXX at XXXX. Since I pay about {$140.00} a year for XXXX XXXX, I said this was a good deal and said OK to it. 
A few weeks later, I went through my Amazon bills and noticed that I am charged in XXXX for XXXX XXXX. I then called Amazon and asked if they were going to start this 3 year special at the end of XXXX, XXXX since my XXXX membership would not expire until then. Amazon rep said there was no deal for 3 years, and noted that customers are charged in XXXX every year. 
When I got my Amazon bill/ Chase Card statement ( I ONLY use this card for purchases on XXXX XXXX nothing else ) and noticed this XXXX charge- I began my dispute. 
I was billed this amount on XX/XX/XXXX and have not received any 3 year special discount from XXXX XXXX, nor any other goods or services. This needs to be resolved and Chase is not helping me. They did remove the charge once from my bill, but did put it back on. 
I have been back and forth for months between Chase card and Amazon and no one is helping me remove this fraudulent/ scammed charge.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

My secured credit card with a {$300.00} limit was charged on XX/XX/XXXX from XXXX XXXX XXXX XXXX  for a total amount of {$2900.00}. Upon looking at my statement I immediately called TD and disputed the charge and closed the card. After waiting my dispute was denied because of chip on chip transaction. Again I disputed the charge and received the same answer. I called for a third time and said they would try again but it would most likely be denied. TD bank failed too send alert for the transaction or verifying it being that my card only has a {$300.00} secured limit and cant be charged more than that and i have only mad transactions on my card for under {$20.00}. This morning i noticed another charge from the same company for {$190.00} and was told from TD that i have too wait to try and dispute it, even though i still havent received my new card yet from them.
Consumer complaint received 2023-08-22
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2024-01-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-03
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

when i first had my social security card in 2019, around XXXX, i didnt know much about it since i just got into america XXXX i was in a room with few people living together so i really didnt think much of it that it was something people use to steal victims identity. i opened a bank account and applied a job. i never used my social again until few days later i decided to open a new bank account and they requested for the hard copy which i realize my social security card was stolen from my small bag that i keep some vital documents. i went to the social security office to get a new one and then went to the XXXX police station to file a report. so all the credit one my account isnt mine except which XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX. thank you
Consumer complaint received 2023-08-22
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir or Madam : This letter is in reference to a paid collection with the account number : XXXX In XXXX a collection for the amount of {$0.00} was sent to your agency due to a series of hardships and medical problems in my life. While I normally make a great strides to fulfill my debt management responsibilities, at the time of the debt I was unfortunately unable to. 

Since then, I have gotten back on my feet and have paid off this debt to your agency. 

A am now trying to buy a home, but the negative item on my credit report has made getting a mortgage complicated. I cant get an affordable interest rate because of the collection on my credit record. 

I am hoping, given the date and amount of this collection, if your collection agency would consider removing this collection from my cr5edit report as a gesture of XXXX. 

This kind gesture would sincerely be appreciated and a invaluable gift to my family as we build stronger personal finances. 

Sincerely XXXX XXXX Date of Birth : XX/XX/XXXX SS # : SS # : XXXX
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

On XXXX I purchase and receive a XXXX XXXX XXXX  financed through U.S. Auto Sales XXXX monthly payment was XXXX and XXXX Biweekly. On XXXX XXXX I receive an email from U.s Auto Sales stated effective XXXX the servicing of the account referenced above will be the servicing of the account transferred from U.S Auto Finance Inc to Westlake Portfolio Management LLCs,. On XXXX at XXXX I received welcome letter from Westlake Portfolio Management LLC I called immediately after receiving the welcome letter I ask could they provide me a updated contract from their company Westlake stated they did not have my contract and they could not provide me any copies. Per trying to obtain my contract for months I never XXXX provide one my current lienholder states US Auto Sales and not Westlake Portfolio Management which per my research is a debt collector and not a financial institution. Per my contract signed with Us. Auto Sales if I or US Auto sales may rescind the retail installment sales contracts to a financial institution which Westlake Portfolio management is a debt collector. Which means there is a breach in contract US Auto Sales went into bankruptcies in XX/XX/XXXX. Westlake is now showing up on my credit report has I have a open loan with them with no contract and also Westlake has put my car in repo status but Us Auto is still my lienholder. It so much going on and I need my car it is my way of going to work and XXXX things in life to be mistreated misused the way Us Auto Sales and Westlake are doing us I have filed a compliant with the Dmv in my regions as well as a lawsuit against both Us Auto sales and Westlake Portfolio I have attached all documents.
Consumer complaint received 2023-08-22
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-20
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I received a Chase Fraud Alert about a suspicious transaction that was denied on my account. I responded to that email by clicking the " No, something's wrong '' button and that opened a webpage telling me that they were cancelling my card and would be issuing a replacement card. I then received no confirmation email, alert in the Chase mobile app, or any other sort of banner or alert in the Chase app regarding the card cancellation/replacement, of the new card shipping, or of the new card being delivered. Eventually the card did arrive on XX/XX/XXXX and I was able to activate it at that time, but it is absurd that I can order a {$5.00} pair of socks online from a random retailer and will get an immediate 1 ) order confirmation email, 2 ) link to track the order status, 3 ) order shipment email, and 4 ) order delivery confirmation email but I get none of those four basic updates when the largest bank in the country cancels my credit card with tens of thousands of dollars in available credit because of a fraud attempt and issues a new one. I was in such disbelief over this state of affairs that I contacted Chase support to see if I had accidentally disabled those notifications, but their agent said that none of those types of notifications exist.