davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
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. (FL)

I have reviewed my credit and noticed that there are account ( XXXX ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (MN)

My loan was being serviced by Suntrust, who was bought out by Truist Financial. Since the merger, I have not been able to get in touch with anyone at Truist Financial to service my loan. I have decided to refinance my vehicle with a local credit union and they have tasked me with obtaining the loan buyout documents from Truist, but I can not get a hold of anyone at the bank. I've tried waiting for hours and hours on hold, but no one has ever answered their number. There has never been a time I have called when the hold queue has stated anything else than " more than 60 minutes '', and I have tried looking up employees of the company and emailing them, but have not been able to get any responses. I can not service my account at all with this institution and no longer want them to service my account. Due to this, I am being forced to bank with Truist against my will, and would please like any help I can get. Thank you.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Re : USAA XXXX XXXX XXXX XXXX Credit Card XXXX The reason for my complaint is that i asked for an account Review and a adjustment on my credit report of a late payment dated XX/XX/2021. 
If you review my account carefully, along with any customer service notes/interactions ; I had called and asked for a payoff amount on my credit card ending XXXX before I headed out for XXXX. The same day I proceeded to pay off my balance as provided on the website, automatic system and confirmed by a live rep. A few weeks after, I got a notice that I was delinquent on my account by about {$1.00} and it was reported to the credit bureau as not paying my account. As soon as I was aware of this, I proceeded to payoff the balance that I was not aware of, and as you may know, acces to emails or communication during XXXX is very limited depending on the location, which made this more unfortunate for me. I contacted customer service as soon as it was possible for me, and unfortunately the representative was not understanding of my situation and was unable to provide any help or solutions, moreover I was treated like any other person who has been irresponsible with payments. 
I am humbly requested that my account is reviewed and the late payment be reversed and reported to the credit bureaus. 

Usaa reached out and all they kept saying is that the charge is correct, which indeed I have no arguments against. I informed USAA that the representative provided incorrect information about my pay off right before my XXXX, and I proceeded to pay off what I was advised to close out the balance on the account. The representative provided erroneous information which caused a negative remark on my credit report due to USAA negligence. USAA DOES NOT WORK ON THE WELFARE OF THE SERVICE MEMBERS, they utilize predatory practices that affect consumers, specifically XXXX XXXX military. 
See attached statements showing amount due and pay off amounts being equal. 

XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Sierra Credit Corp (CA)

THIS COMPANY VIOLATED MY RIGHTS AND THE TRUTH OF LENDING ACT THE 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title ACCORDING TO MY CONTRACT THE FINACE CHARGE IS THE SUM OF ALL CHARGES WHICH IS XXXX THIS COMPANY DECIDED TO CHARGE ME A TOTAL OF XXXX I HAVE PICS FOR PROOF THATS A XXXX DOLLAR DIFFERENCE ON TOP THAT THE DEALER TOOK MY XXXX DOLLAR CASH DOWNPAYMENT AND INCLUDED IT IN THE TOTAL SALE PRICE WHICH IS A VIOLATION OF 15 U.S. Code 1692e - False or misleading representations AND A VIOLATION OF 15 USC 1692J Furnishing certain deceptive forms ALSO THE DEALER DID NOT DISCLOSE THE SECURITY INTEREST IN SMALL WRITING, Vehicle Code Section 11713.18 11713.21 was violated as well
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I'm filing this complaint against Midland Credit Management as they've failed to provide debt validation on two occasions. This is my third ( XXXX ) attempt to have them honor my right as a consumer pursuant to 15 USC 1692G and provide to me in writing the information that they're furnishing on my credit report.
Consumer complaint received 2022-03-14
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. (MD)

This is a demand for reinvestigation. 
Pursuant to 15 USC 1681i send me the detailed description of the procedures of the reinvestigation!

I demand a full layout of every detail and full time line of specific names dates and days Within the description of the procedures to cross-reference the validity of the bankruptcy claim.

Your company has failed to execute before the account was posted to my consumer report an initial investigation to determine the accuracy and completeness of this account.

Your company now has 15 days according to Congress and the law set forth to provide me the full details of the description of the procedure.
Consumer complaint received 2022-03-14
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: CITIBANK, N.A. (FL)

I was upgraded to the Macy 's American Express card in XX/XX/XXXX, included with the card was an insert claiming that I would receive {$50.00} in Macy 's XXXX money, if I spent at least {$500.00} or more on purchases outside of Macy 's placed on the card. The offer stated it must be completed by XX/XX/XXXX. The terms and conditions states that the bonus points for the {$50.00} in Macy 's XXXX money could take up to two billing cycles past the expiration date of the offer. 
I have met the requirements of the offer. Two billing cycles have passed. I have not received the promotional offer. Why?
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I have tried over a dozen times to reach EXPERIAN on the phone. They have made it impossible to speak to a live person. I have resorted to emailing their CEO, XXXX XXXX to have someone contact me. I need to speak to someone to thaw my credit freeze because I'm applying for credit.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I sent my information to Experian XXXX and XXXX twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MI)

My husband and I have been customers of American Express for a decade or so. After making on-time payments for years, in the late summer/early fall of XXXX, I shorted a payment by {$15.00} on accident. Seeing the error I quickly made the payment so the account would not reflect as past due. Little did I know that {$15.00} missed payment would trigger penalty based pricing and nearly double our interest rate. 

My husband ( XXXX ) contact American Express on approximately XX/XX/XXXX for a separate matter and was advised that our interest rate was an incredibly high 29.24 %. We were shocked to find out that our rate went from a variable rate of 17.24 % to 29.24 % because of a {$15.00} discrepancy in payment in XXXX. Looking back through statements, I finally found the notice indicating the increase in rate, but it was in small print and not easily located. When my husband inquired of the American Express representative on how we could return to our regular contract rate, the representative was quick to offer to have it changed back for the next statement cycle and advised him that if we had called earlier, they would have taken it off at our request. 

The fact that American Express has no guidelines on when a customer 's penalty pricing will be removed is unfair and disparate treatment. All of their customers are not being treated consistently. Most credit card companies I know will return a customer to regular pricing after six months of consecutive on time full monthly payments, but penalty pricing would have continued indefinitely had we not contacted American Express regarding a completely different issue. How can a credit card company get away with such treatment of their customers? We are not wealthy by any means and the increased APR caused our payment to go up nearly {$120.00} per month. {$120.00} during the covid pandemic that could have put food on the table for our children, helped provide for tutoring for our struggling XXXX  aged XXXX learning virtually, or allowed for us to live with some peace of mind.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NV)

I sent the letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). Experian XXXX and XXXX have 30 days to respond to my dispute. This is the violation of my rights.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (KY)

My husband passed away on XX/XX/XXXX. The next week, as I was making cuts on bills, I chosed to have my internet turned on, and the cable turned off. I called XXXX. The guy I spoke with told me I had a {$20.00} past due. I was prepared to pay it, but he told me not to worry about it, that he was writing off my balance. Since then, I pay my monthly bill on time every month as I'm working on my credit score. 

Out of the blue, on XX/XX/XXXX, i received a notification from Southwest Credit Systems in XXXX, TX, that I had a past due balance from XXXX in the amount of {$140.00}, I needed to pay. 

Today, XX/XX/XXXX, I phoned XXXX and was told by two ( 2 ) people there was no past due balance on my accounts. I asked if they could send me something that said that so that I could send it to the creditor and was informed they could not send me anything or contact the creditor, but another department could so they transferred me. 

The ladies I spoke with ( there were two ), told me there was a {$140.00} balance and they demanded payment. I told them there was no money owed, so I asked them what we could do. The last one I was speaking with told me that I must pay it. I said that wasn't going to work until they could show me why two people said I owed it and two said I did not. She ended up hanging up on me. I never got rude or raised my voice. I know that I do not owe this money. I'm sure I would not have service with them now if I did.
Consumer complaint received 2022-12-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Motor Credit Corporation ( aka : Toyota Financial Services ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm XXXX XXXX XXXX XXXX XXXX. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (TX)

Account XXXX  Account number XXXX Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX  Acccount number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account NumbeXXXX XXXX Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXXt Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX  XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX  XXXX Account Number XXXX. BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX  XXXX XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX  Account XXXX Balance {$1700.00} Date XXXX XXXX Account Number XXXX Balance {$3500.00} DAte XXXX
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone hacked my account and deposited money into it without my consent. The bank closed my account. I was not aware of it, I did not go to the ATM or anywhere to deposit a check. I tried calling the bank to explain but they were not helpful. Ive lost my account for something I didnt do.
Consumer complaint received 2022-03-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (IL)

My Illinois unemployment card, issued thru Key Bank, was frozen and I havent been able to use the funds deposited for over 6 months now. I spoke to multiple bank representatives and sent in all of the info that they asked for and have yet to get the account unfrozen, not have I received any correspondence from the bank. They basically locked up my funds and ceased communication.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report 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. 1681s-2 ( A ) ( 1 ) states : 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 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 and XX/XX/2022 I received two fraudulent charges on my wellsfargo account for the amount of {$4900.00} and {$3200.00}. Immediately I contacted wellsfargo and reported the non authorized charge, they started an investigation that took 20 days for them to tell me since the money went out my account it was not fraudulent. Again i did not made those purchase or authorize anyone to make it
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-05
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.