davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I purchased a car earlier this year, using USAA as my finance company. I was given a 13 % interest rate for the loan. They explained this was because I had quite a bit of outstanding debt on my credit report. I was told that if I took care of these debts, I could refinance at a significantly lower rate. In turn, I sold my motorcycle and other items to pay these debts off. At the time I purchased this vehicle, I was just a couple months away from deploying overseas. They told me if I send a copy of my orders, they would lower the rate for the time I would be gone. After sending the orders, they denied lowering my rate, stating that it does not apply to me. After paying off my outstanding debts, and trading in XXXX other cars for XXXX, I greatly reduced my monthly payments and obligations. I then attempted to refinance the vehicle to get that better interest rate. They then offered me a new rate that was still over 12 %. This was not helpful, and has put me in a bad place. I purchased this vehicle at a high rate under the impression that I would be able to afford it after a very short time. If they would be willing to do as promised, I would be saving between $ XXXX $ XXXX. My wife and I will be moving in XXXX of 2016 to a new duty station. We will be losing over $ 1,000/month due to lower housing allowances at our new location. We are trying to save and continue to not incur additional debt in preparation for this move. I am worried that if we are not able to have a decent rate on this loan, I will end up defaulting on it, and letting it to into repossession.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with (, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX - XXXX  DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2018-06-05
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: JPMORGAN CHASE & CO. (MI)

I was flying back home from XXXX XXXX and due to traffic I arrived to the airport only 45 minutes prior to the flight departure. My reservation was made with XXXX but the first flight out of XXXX XXXX was on XXXX XXXX XXXX that is a partner of XXXX. XXXX XXXX XXXX refused to accommodate us on the flight or to give us any other option and directed us to call collect XXXX. 

XXXX gave us some flight options that all cost more than the ticket itself slamming XXXX XXXX XXXX for the cost. One lower cost option was to fly the same night and the representative quoted us a total of {$660.00} for our reservation of two. I even confirmed that total amount before giving my VISA card number to be charged. 

A few days after returning to the US I saw two charges of {$660.00} each instead of one. I called XXXX and they were very defensive stating the representative meant {$660.00} per ticket and that is right. I challenged them about the charges but they totally refused to drop one charged and provided some electronic vouchers instead. 

So I turn to my VISA card thru Chase to dispute these charges. What I heard back is that they checked with XXXX and the charges are valid and I have to pay. I resubmitted a new request explaining in detail the circumstances and emphasizing the fact that I did not authorize a second charge of {$660.00} and XXXX should be able to check the recordings of my conversation with their representative. In the end I received another letter from Chase stating that " While you may have a valid complaint with the merchant, the results of our additional review confirms that the transaction is valid and no billing error occurred on your account ''. There was no details of what exactly they reviewed and how. 

Since these charges were never put on hold while Chase was conducting the investigation I felt that I have to pay them in order to not accrue interest charges. Honestly I feel robbed by Chase VISA card for not supporting me in a charge that i have not authorized. There must be a recording of my conversation with the XXXX agent to prove I am right but neither XXXX or Chase want to pursue that path. Maybe because my card is a XXXX XXXX XXXX Chase VISA card?
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
Consumer complaint received 2018-06-03
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. (MO)

Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The following accounts are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

XX/XX/23 There is incorrect personal information on my Experian Credit Report. More specifically, two addresses I never lived at. When I attempted to dispute this information on my Experian Credit Report via their online dispute portal, I experienced technical issues. Their system would indefinitely stall when you targeted the data to be disputed and it was loading the reasoning for the dispute ( I could see this greyed-out reasoning-for-the-dispute drop-down menu in the background as the system stalled to process the dispute further ). I then contacted Experian 's National Consumer Assistance Center at XXXX. However, the automated system only provided very generic information on how to either get your credit report and score or, alternatively, report fraud. Whatever option you chose and no matter what you did, generic information was provided that was not helpful as the automatic system blocked me from speaking with anyone about the technical issue ; or, alternatively, filing the dispute with someone online. Such resources used to be available. 

I cleared my cache, cookies, and history and tried different web browsers. Nothing worked. Further, I tried to submit the dispute on my XXXX XXXX ( i.e. not an outdated phone, by any means ). This led to the same technical issues. 

Therefore, Experian is essentially disallowing me from disputing critically incorrect information on my Experian Credit Report on a critical time schedule and further disallowing me from speaking to someone towards expeditious resolution. I am moving very shortly and inaccuracies on my credit reports are extremely problematic. Please assist. 

XX/XX/23 First thing this morning, I tried all of the above, once again. Same results and issues.
Consumer complaint received 2023-04-13
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. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX vacation at XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, XXXX XXXX and used my XXXX XXXX XXXX which is supposed to provide a 3 % reward when used for travel. When I received my statement I noticed that I was only given a 1 % reward so I called XXXX XXXX ( XXXX XXXX ) customer service ( XXXX ) and spoke with XXXX on XX/XX/XXXX and she said she would check into it and correct it. I then received 2 letters dated XX/XX/XXXX from Synchrony saying the cashed earned balance is correct as previously indicated with no explanation of why I was not given the full 3 % reward. On XX/XX/XXXX, I spoke with XXXX who said that the sale was coded as insurance at XXXX and that I would have to get them to change the coding. I spoke with my travel agent XXXX at XXXX, who passed the info along to the XXXX billing department who stated that the purchase was not coded as insurance but was coded as a retail purchase, which is what XXXX uses for all travel purchases, and they said they have not had any problems with any other customers not receiving the proper rewards from their credit card companies. XXXX also recommended that I send a copy of my invoice to Synchrony. I called XXXX/Synchrony customer service again and spoke with a Supervisor ( XXXX ) on XX/XX/XXXX to pass along the info that XXXX did not code the purchase as insurance, I also asked him if he was aware that XXXX was a travel agent and he said he does know that is one of their business lines. He also stated that he could not correct the issue but that I could send the invoice to the General Inquiry Dept. at XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX. I sent a letter of explanation and a copy of my invoice in the amount of {$12000.00} by certified mail and it was received by XXXX XXXX at that office. I then received an email from that address, dated XX/XX/XXXX asking for more info by mail or to call customer service at XXXX. I called customer service on XX/XX/XXXX and spoke with agent XXXX and Supervisor XXXX, who both stated that there would be no change. I also ask what further information they were looking for and they had no answer other that to say that the purchase would only receive the reward at the 1 % level. I believe that I should have received a reward of {$360.00} and was only given reward of {$120.00} meaning that they are they are holding back {$240.00} which the invoice that I sent to them clearly indicates that the purchase made was for travel.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been disputing inaccurate information with XXXX, XXXX and Transunion over the past few months. 
I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXXXXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

Zelle- refused to cancel a pending transaction. I sent a friend {$25.00} through the app Zelle. My friend no longer has that account. The transaction was pending. I called Zelle to cancel the transaction. They said it would be canceled in 24 hours. It was not. I called Zelle again, they said I needed to cancel with my bank. I called my bank and they said the transaction was completed on their end and to contact Zelle again. I contact Zelle and they said to contact my bank.
Consumer complaint received 2024-11-12
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc. (MS)

In 2019, I ( XXXX XXXX XXXX XXXX Into a consumer credit transaction on XXXX XXXX. XXXX  Tower Loan which became a serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with the option to opt out of all credit reporting 15 usc 6802, ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is By willfully doing this Capital One has violated many laws according to truth and lending & fdcpa. Also all consumer credit transactions are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of the XXXX XXXX.
Consumer complaint received 2018-06-03
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: WELLS FARGO & COMPANY (MI)

I am filing a second complaint against XXXX because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/2018 and the information with regards to Wells Fargo remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/2018 which brought the account current and placed the account under my ex name. Despite my continued efforts to get XXXX  to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.