davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (CA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Credit Card opened on XX/XX/2017 showing a balance on my credit report of {$150.00}. This was a secured credit card with a secured high credit limit of {$200.00}, in which I could not go over that limit, the card would decline if any purchases were made over the {$200.00} credit limit or decline if the total was more than the balance of the {$200.00}. I also did not receive my secured deposit of {$200.00} back nor was it credited to my account. 

I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and up date the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Consumer complaint received 2023-08-25
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with Transunion XXXX XXXX, XXXX XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. Transunion, XXXX and XXXX refuse to explain, verify or rectify despite repeated calls and letters.
Consumer complaint received 2023-08-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (MI)

I'v been charged extra tax on my device alone on my XXXX order XXXX Each item has a break down of taxpre shown on my FIRST STATEMENT but everything was apart of a bundle and purchased in ONE TRANSACTION. These items were apart of a pre-order promo for the XXXX XXXX XXXX  XXXX. I used XXXX financing that's backed by XXXX Bank to make the purchase, tax is 6 % where i reside. According to my statement the balance before taxes was {$1000.00}. I was charged an extra {$60.00} in taxes for taxes my phone ALONE it shows {$740.00} and i was charged {$100.00} in taxes for it. At 6 % sales tax my total balance that i should owe is {$1000.00} not {$1100.00}. My buds and watch were taxed correctly at 6 %. My transaction summary on XXXX shows {$1100.00} vs my TD statement of {$1100.00} a difference of {$12.00}. A statement and transaction summary/receipt should have the same amount of charges no more, no less. I'm pretty for sure people aren't catching on to these extra charges being added to the statement. I wasn't born yesterday {$740.00} doesn't equate to {$100.00} in taxes. Being charged extra is not what i agreed to.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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



XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 an 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 2023-08-27
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Captial One mallicoiusly lied to disqualify my dispute. 

After a year of frequently calling, checking and waiting- I was told to submit documents several times. After nearly two years of run-around, I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE.

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES.

Capital One was notified of this issue 10+ times by phone and 5 times THROUGH THE CFPB and continues to defend their fraudulent behavior.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IN)

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

We reported fraudulent activity on our account, they provided credit at first. Then the said that the charges were valid ( showing us no proof of validation ) and put the charges back on our account and closed our credit card.
Consumer complaint received 2023-12-10
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: EQUIFAX, INC. (TX)

on XX/XX/2023 I ordered a credit report to check on it and found several hard inquries that were not approved by me and 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. 


list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c . 1681 section 602 a. states i have the right to privacy.

15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX
Consumer complaint received 2023-08-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (PA)

I had a Car loan with Santander bank in XXXX through XXXX. During that time I had very low income and I was unable to pay the monthly bill and was charged outrageous amount of fees and interest that resulted in me paying my loan amount over 3 times the amount the contract was for because they did not provide me resources when I was in need of financial hardship assistance. My son and I had to live with my parents as I could not afford to live on my own and we lived XXXX XXXX XXXX XXXX. I had to seek help from friends to afford to feed my son because if I did not pay my loan I could not go to work to pay my car. I worked only to pay my loan and I had nothing else. There was a lawsuit I was never made aware of that Santander consumer settled on and I had never received a letter to join as this was unethical and other consumers were taken advantage of. I was not qualified for that loan but they approved me knowing I could not pay it and would suffer tremendously in life like I did with my XXXX  child. I asked for the fees and extra interest applied to be reimbursed to me, as I continued to pay the car and outrageous fees so my credit wouldnt be damaged which they did anyways and I couldnt purchase a car for a long time
Consumer complaint received 2023-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PROVIDENT FUNDING ASSOCIATES (GA)

My loan was sold to Provident Funding. I had auto pay setup with the originator, XXXX and had my Escrow / insurance sent to XXXX. 

When Provident bought the loan they did not xfer the auto pay info and are now threatening me with a late fee. IMHO, Dodd Frank reg0-z etc specifices that the buying servicer needs to xfer ALL info, the borrower needs to do NOTHING. A servicer xfer should be transparent. Not a preditory series of threatening being late and needless re -- setting up of auto pays and re-asking my insurer to send the policy info to yet another servicer. 

The servicer needs to make it transparent, XXXX action for the bowerer when they buy a loan. 

My Provident new loan number is : XXXX / XXXX XXXX XXXX XXXX GA XXXX Provident ( and other servicers ) need to xfer the auto pay as well as all Escrow info, balance, insurer, re taxes paid or not etc.
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (DC)

I am on an IBR plan. I recently changed jobs ( I am now earning less than before ), and emailed recalculation paperwork to adjust my monthly loan payment relative to my new salary. I sent the paperwork in on XXXX XXXX, XXXX. When I did not receive an email confirmation that my paperwork was received, I sent it two more times : XXXX XXXX and XXXX XXXX. On XXXX XXXX, I called Nelnet to confirm receipt of my paperwork. The Nelnet representative confirmed my paperwork was received on XXXX XXXX and that all information necessary to process the recalculation was in the system. When I asked for a confirmation email that the recalculation would be applied to my XXXX bill ( my payment due date is the XXXX of every month ), I was told that it " probably would be '' but he could not confirm because their paperwork processing department is so backed up and they were still processing paperwork received on XXXX/XXXX/XXXX. ( Note : During my annual renewal process in XXXX of XXXX, I was told by a representative that their paperwork processing time is 30 days. ) I then asked to be escalated to the manager. The manager told me they could expedite my paperwork so it would be processed in 3-5 days, but they could not confirm that it would be applied to my XXXX payment. I then asked to speak with her manager. Her manager told me that he could not confirm that the recalculation would be applied to my XXXX payment, and also that expediting my paperwork was also not an option. I then asked to speak with his manager, at which time I was sent to the Resolution Department. XXXX in the Resolution Dept told me that they would not confirm the recalculation would be applied to my XXXX payment because " while there is a 30 day processing time, we require an additional XXXX days to apply the changes to your account. '' I then asked XXXX to verbally confirm that while their policy states 30 days of processing time, they also have an additional 3-5 days processing time. She confirmed this was the case, which was not consistent with what I had been told in XXXX XXXX. I asked XXXX to email me this in writing, which she declined to do. I asked for her contact information, which she declined to provide. After asking why there was no way to contact her directly, she gave me her telephone extension. I then asked to be transferred to her manager, which she declined to do. After more discussion she agreed to send me to her manager 's voicemail, but then she hung up on me. All of this took more than 30 minutes. I simply would like to have my paperwork processed within the 30 days I was told it would be, and have my XXXX payment reflect my new salary.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2023 I notified Chase bank in regards to my denial for a vehicle from XXXX XXXX XXXX. The representative that I spoke with explained to me that he was aware of the Federal Reserve Act Section 16 and Equal Credit Opportunity Act and that Chase Bank doesnt have to abide by the Constitutional guidelines and policies. Roughly thirty minutes to an hour later a supervisor reached out to me. I expressed my same concern and she gave me the same answer. She also switched me over to her supervisor. They had me on off and suddenly the phone hung up mid ring.
Consumer complaint received 2023-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (OH)

On XXXX  XX/XX/23 about XXXX XXXX my husband recieved a voicemail on his phone saying that the message was intended for us. ( Said our names ) saying that documents will be going out to our address needing signatures from both of us. ( My husband and myself ) to please contact issuing firm immediately at XXXX reference case # XXXX. This is very time sensitive as well as urgent. Said our names again and that we have been notified. 
I immediately called the number and a man named XXXX answered and gave his name. I asked whose number I was calling as he did not give name of the law firm. Told us he was collecting a debt from Discover from XXXX. Gave an amount in excess of {$4000.00}. He said he was sending documents to take us to court to collect balance owed. We told him we had not received anything in the mail regarding this. He said it was sent in XXXX and it couldn't be helped since we didn't respond and make restitution. He said the address of our property and asked if that was us and that we lived there XXXX  years, right? We said it's our address, but we've only had the property for XXXX  years. He even gave an address that my husband lived in before we were married, but he hasn't lived there for XXXX  years. He said the were taking us to court to get the monies owed. That the only thing we could do to stop it is pay in full. We told him we didn't have that kind of money, he said that wasn't his problem. He had to do what he had to do. Then he said let me talk to my supervisor for you. When his supervisor got on the phone he was very belligerent and yelling that it was our debt and we had to pay it. 
We got disconnected, so I called back and got XXXX again. He said I had to make a decision about what I was going to do because he had to send the papers in in XXXX hours. I told him I was too stressed and couldn't think. He said he would give me until XXXX XXXX XXXX time to call him back. Otherwise he was sending the papers in. 
When I hung up I called our attorneys office. When I told her everything, she said she thought it was a SCAM and not to call him back. I gave her the phone number I called, and told her they never gave the law firms name. She tried to check who the number belonged to, but could find no information on them. She was leaving the office for the weekend, but would look into it on XXXX. I have not called them back.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. I Also send the my statement and the letter from the court telling that they are not reporting to the credit bureau and you also have both copy Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TX)

Under 15 USC 1681 XXXX/Bridgecrest, has violated my rights and in violation of The federal Truth in Lending Act ( TILA ) 15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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 2023-08-26
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: Experian Information Solutions Inc. (NY)

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 the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case