davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/year> Applied Online for myWalgreens credit card issued by Synchrony Financial and was approved. Prior to applying I had reviewed the cards terms of agreement and offers none of which mentioned anything about a monthly {$1.00} paper statement fee being charged for any balance over {$2.00} in a billing cycle Shortly after taking the card out, I began seeing on each months statment a preprinted notice ; regarding paper statement fees will be starting come soon and to avert them, I can enroll in electronic statements. 

I am XXXX and rely on my paper statements nor do believe that is fair or right to bait and switch applicants like myself. I am needing paper statments because my email is flooded daily with emails so much that I can not keep up. Thus if I were to miss my email re ; my billing, the consequences would benefit SYFB since that too would involve late payment fees. 

Thanks for your consideration but wanted you to be aware.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

I was approved for a loan via XXXX XXXX to purchase a used vehicle at the beginning of the year. I took delivery of the vehicle XX/XX/year>. XXXX XXXX transferred the car loan to TD Auto Financial at the end of the month. XXXX XXXX did not make me aware of this change of what XXXX XXXX would be servicing my loan. I made multiple attempts to ask to make a payment ( which has typically be done through the XXXX app for my previous XXXX that I leased ). XXXX assured me that I would receive communication via the app. All the while, I was becoming delinquent in my car loan and TD Bank/TD Auto Financial claims they sent me information about my account with them. When they made attempts to call me, they never made an effort to identify who they were. I do not have a signed contract with TD Auto Financial. Through my own investigation, I determined that my car loan had indeed been transferred to TD Auto Financial, I was delinquent, and immediately made payments in the beginning of XXXX XXXX XXXX XXXX  to bring my account current. During conversation, I was told that TD Auto XXXX would not report the delinquency to the credit bureau. A week later, my credit score dropped XXXX XXXX from XXXX to XXXX due to the delinquency reported by TD Auto. I have made multiple attempts via phone to explain that they did not identify who they were, XXXX XXXX did not notify me of the change of servicing, and that they are obligated to communicate when another financial institution is going to be servicing a loan. To this date, XXXX has still not sent any communication to that end and no one from their financial department has returned my communication. TD Auto Finance instructed me to write to their credit department request they change their report and I was denied. I have filed a dispute with the credit bureau which has only seen my credit score increase by XXXXXXXX XXXX. Even if I wanted to be done with TD Auto Finance and refinance with another bank, due to their reporting I would have a significantly higher payment for a depreciating asset because of their actions.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed XXXX  XXXX  - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX XXXX derogatory Unauthorized Inquiries : XXXX  XXXX - XX/XX/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 XXXXXXXX - XX/XX/XXXX XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear English and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am unwilling to accept your attempt to diminish the significance of my identity theft claim as a mere error or a misrepresentation of crucial information. It is important to note that you lack the authority to determine what qualifies as a material fact ; you neither serve as a judge nor a jury, nor do you possess the capacity to render such judgments. Your right to do so is unequivocally absent. My distress stems from the fact that I have become a victim of identity theft, a criminal act that has inflicted severe emotional and financial distress upon my life. Regrettably, the response, or lack thereof, from your bureau has demonstrated a startling indifference to the urgency and gravity of my situation. Allow me to be unequivocal : I will not tolerate the apathy and indifference that I have encountered thus far. As an identity theft victim, I have endured the consequences of unauthorized accounts and transactions that have tarnished my credit profile and placed my financial stability in jeopardy. These repercussions have been profound, affecting my ability to secure loans, mortgages, and even employment opportunities. PLEASE DELETE THE 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
Consumer complaint received 2023-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

I had 2 promotional purchases with XXXX XXXX and I made an extra payment of {$410.00} and planned to payoff the first promotional loan. But instead of crediting the {$410.00} they applied it as a charge to my account. Because of this I missed my promotion deadline and they charged me an additional {$190.00}. 
I owed {$790.00} on a promotional purchase that was going to expire XX/XX/2023. So in XXXX of 2023 I made 1 payment of {$340.00} on XX/XX/2023 and another extra payment of {$410.00} on XX/XX/2023 trying to pay the promotional and avoid interest fees. 

So on the XXXX statement, Instead of applying the {$410.00} to the promotional amount they applied my payment as a charge and the promotional purchase went up to {$1100.00}. 

I called them several times and they said they would fix it but nothing has been done. They told me to keep on making the payments. As a result, the promotional purchase has expired and I was charged an additional {$190.00}. 

So they owe me a total of {$600.00} and I dont think anything is going to get done. I opened a complaint with them but nothing has been done.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (GA)

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877. ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the XXXX breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Ive been a USAA member for 18 years and have done everything through them. My account was closed abruptly and no information was given. I pleaded with them to give me grace as I am the breadwinner for the family. They refused to give me any information and said my funds would be frozen for 60 days plus 7-14 days to receive a check with my money. I NEVER had an overdraft. Ive never been delinquent. I was a loyal customer who was thrown to the curb like trash. Beyond disappointed.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I'm constantly bein denied For credit due to errors problems also the inquiries has gotten so high now due to the constant denial. It not the scores reporting. It inquiry l Have accounts bein reported not showing on my credit report. The Government needs to make changes on how these accounts are bein reported .I Just reapplied for loan for credit again has been denied for. Accounts showing incorrect delengcy .nor inquiring bein to high .these companies continue denial me for any line 's credit
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received a letter from this company on XX/XX/XXXX stating I owed money to an apartment complex.i asked for documentation and they sent me falsified documents. I lived in XXXX XXXX XXXX from XX/XX/XXXX until I moved XX/XX/XXXX. On XX/XX/XXXX my apartment caught fire while I was away. The fire was not my fault but the fault of the apartment. I moved into another apartment due to mine being unliveable. I moved out on XX/XX/XXXX and turned in my keys the same day. I asked the XXXX XXXX of this complex, they had issues keeping trustful employees who didn't harass residents or steal rent money. I asked if I owed any money they said no and once they check the apartment and if any repairs needed they would send me the final bill and anything left from my deposit. She asked for my new address and I supplied it to her. I went on my way and in XXXX of XXXX I called the apartment complex to see if they were able to tell Me when I would receive my deposit.i was told the manager I talked to in XXXX was no longer there and that I should receive my refund check in XXXX days. I got sick with covid and forgot all about following up until XX/XX/XXXX when I got a letter from Genesis Credit Management saying I owed money to this property. I disputed the charges and received a packet from them that shows that all the money I paid in rent, water and gas from XX/XX/XXXX until XXXX was asked for again even though it initially said credit then they tried to charge it again. The company Genesis Credit mgmt when I searched them online shows they have a history of lawsuits on the same thing. When u call their number you don't speak to some except for them to try to sell you their credit repair services. There's lawyers I have spoken to that are aware of what they do and how the apartments harass and use this company to collect money that had already been paid. I can't get no answers as to why I'm being charged for stuff that's already been paid or double charges to get me to pay.
Consumer complaint received 2024-07-29
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. (IL)

I have one single collection on my credit report. The creditor sued me and garnished my wages. I sent the lawsuit legal documents and proof of my garnishment, along with paystubs showing the garnishment. I told Transunion they had to legally remove the information since the creditor ( XXXX XXXX ) had not only not updated my balance all year, they actively continue to report every month that the balance is accurate and that i have a late payment ever month!!! 

I have written several times, called over a dozen times and even spoke to two managers/ supervisors. Ive been told by one supervisor that i was correctthe information is clearly inaccurate and needs to be removed. Subsequent calls to follow up have resulted in supervisors telling me that my LEGAL DOCUMENTS AND GARNISHMENT PAYCHECKS are not adequate proof that the debt has been paid down. You cant get any better proof than that!!! 

1 ) Transunion did not adequately investigate my claim and clearly sent a form template saying they had.

2 ) when asked to provide how they investigated my claim, they gave me a generic answer instead of giving me the steps they took. ( Had they taken proper steps, capital one would have verified the documents and the information on my report world have been proven to be inaccurate ( thus needing to be removed ) 3 ) Transunion employees repeatedly told me that they have nothing to do with anything and i needed to contact XXXX XXXX to have them removed or update the information. ( This is not trueTransunion has a legal obligation to accurately report credit data and to remove if wrong. ) 4 ) when provided legal documents and wage garnishment documents, they lied and told me they were inaccurate documentation to prove my case.

5 ) i was disconnected at least seven times over the course of a week.

6 ) i was told by a manager that no matter who i speak to at Transunion, their answer would be the same. Documents inadequate, creditor confirmed, GO AWAY. One even had the audacity to ask why i cared since it ( negative capital one info ) would fall off my report in XX/XX/year>.
Consumer complaint received 2023-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MA)

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the continuous harassment by Transworld in relation to a debt that I have repeatedly explained is the result of identity theft involving my Fanduel account. Despite providing written documentation from XXXX, confirming that the debt was incurred as a result of a data breach and identity theft, Transworld persists in their efforts to collect this erroneous debt. 

Here are the details of the situation : Account Information : Creditor Name : Transworld Account Number : XXXX Debt Description : Debt Collection for a Third Party Explanation from XXXX : On XX/XX/2023, I discovered unauthorized transactions on my Fanduel account, which raised concerns about potential identity theft. 
I promptly contacted XXXX and reported the suspicious activity. 
XXXX initiated an investigation and confirmed that the debt in question was indeed the result of a data breach and identity theft involving my account. 
They provided me with written documentation, including an explanation of the breach and their commitment to resolving the issue. 

Continuous Harassment by Transworld : Despite providing Transworld with documented evidence from XXXX explaining the origin of the debt, Transworld has continued to harass me through phone calls, letters, and other collection efforts. 
I have informed Transworld on multiple occasions that the debt is not valid, but they persist in their attempts to collect. 

Impact on My Well-being : The constant harassment by Transworld is causing significant distress and negatively affecting my financial and emotional well-being. 

I have attached copies of all relevant correspondence with XXXX, including their written confirmation of the identity theft and data breach. Furthermore, I have maintained a record of the continuous harassment by Transworld, including dates and details of their collection attempts. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate actions to cease Transworld 's unwarranted collection efforts. Additionally, I request that Transworld be held accountable for their actions and any violations of consumer protection laws. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will work to ensure a swift resolution. 

Please do not hesitate to contact me if you require any further information or documentation to address this issue effectively. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to formally dispute an issue I have encountered with CAP ONE AUTO, regarding their failure to remove a late payment entry from my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying this matter. I contacted CAP ONE AUTO in writing, requesting the removal of a late payment entry on my credit report, which was inaccurately reported. I provided supporting documentation demonstrating that this late payment was erroneous and should be corrected immediately. Under the FCRA, creditors are obliged to investigate disputes and correct any inaccuracies promptly. However, to date, CAP ONE AUTO has not taken any action to correct this error on my credit report, despite the ample evidence I provided. This has had a detrimental impact on my credit score and financial standing, which is causing me significant distress. I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that CAP ONE AUTO complies with federal law by promptly investigating and correcting this inaccurate reporting on my credit file. I believe this is a clear violation of the FCRA, which mandates that accurate information be reported and that disputes be resolved in a timely manner. I trust that the CFPB will take appropriate measures to address this issue promptly. I appreciate your attention to this matter and look forward to a resolution that ensures the accuracy of my credit report as required by law. Thank you for your assistance in rectifying this.