davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

Back in XXXX XXXX we decided to switch our family cell phone plan from XXXX to XXXX XXXX XXXX. We paid in full our last bill and switch to XXXX XXXX XXXX. On XXXX, our company account was debited {$420.00} without our permission and without an explanation-of charges. We called our bank ( XXXX XXXX XXXX XXXX ) and disputed the charges. On XX/XX/XXXX another debit of {$1000.00} was debited with out explanation or permission from us. We also disputed this charge again. Every time we call XXXX to discuss the issue, their representative will inform us that we don't have an account with them. On XX/XX/XXXX we received a bill for unpaid balance of {$1000.00}. I reach out to XXXX and asked to explain why. The invoice from XXXX came in without explanation just unpaid balance. XXXX didn't provide any explanation for their invoice. The following week XXXX hit my credit and sold my information to a debit collector XXXX, XXXX XXXX  XXXX. We wrote to the company and explain the situation and tried to solve the issue. We ask to send us a bill of {$420.00} that we agreed upon and settle and close the dispute. We never heard back from this company again. All documentation are available upon request. 
On XX/XX/XXXX, we received an email from XXXX for one time offer XXXX % savings off the balance we currently owe to be paid before XX/XX/XXXX. We did except the offer and paid the amount of {$520.00} and XXXX remove the dispute on my credit report. 
On XXXX XXXX I received an email from XXXX letting me know that my credit was hit with XXXX point down for delinquent payments. I went on line to check. A company by the name of Jefferson Capital System in XXXX claims I own them {$520.00}. I asked them how did you get my informations. I was told that they bought XXXX debit. 
I explain that our bills with XXXX was closed paid on XX/XX/XXXX and I don't have an open account with them. They still insisted that I have to pay this amount and told me it will hurt my credit. I called XXXX immediately and explain my situation. I was informed that either XXXX didn't close my account after getting paid and still sold my information to a debit collector again. XXXX will investigate and clean my credit. WE are a small Business owners and Credit is very important for the health of our daily operation. I hope this never happens to anyone. Thank you
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

CFPB. XX/XX/2024 Second dispute to PayPal Fraud and a Scam, delinquent behavior. 
International money transfer Background and history of the case. 

CFPB COMPLAINT ID XXXX Need to start a new complaint because PayPal is playing with CFPB, XXXX, and Me. 

Facts : PayPal called me after CFPB sent them a letter to complain about what they did to me of scamming me out of my money, they sent it to someone who is not my friend, is not my family, and has a different name than the one I send the money to. 
I wrote the first complaint number above so you can follow what XXXX talking about. 

PayPal called me to ratify that CFPB and they had an agreement to return and fix the money they mistakenly sent to someone else. The problem was that the next day they mailed a letter to XXXX to confirm that they would not return the money to XXXX and XXXX to me. After telling me they would. 

I need, please for CFPB to take this case again in a new complaint and be more specific to PayPal to STOP playing games. I will attach the letter they sent to XXXX from PayPal. Too bad I have nothing to demonstrate the phone call they made to me. 
They never sent me a written declaration of what they were going to do, they sent XXXX a letter saying the contrary. 

Please help me. 

Attached is the letter PayPal sent to discover to confirm that I did a valid transfer therefore they will not return the money, So it is lost? 

If need any other documents to confirm my case let me know. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Today, I learned that Capital One has 2 accounts under my social security number. I only applied once for my credit card. I assumed it was still the same. But today I learned that the original ( XXXX ) account that I have isnt the original account. It was closed. Capital One never informed me about this change! Ive contacted them several times, before these ridiculous interest rates went into place, asking for help lowering my interest rates. NOT once could I get any assistance from Capital One! Yet here it is, theyre benefiting, ripping off consumers with every new interest rate increase! NOT to mention they provided NO assistance nor gave any information about changing my original account! But Capital One is quick to charge more, close, and have records of XXXX accounts on their books for the only account that I created with them. Having me only learn about their deceptions by inquiring again about Capital One, over inflated interest rate charges for balances being paid prior to the constant interest rates hikes by the federal government. All are a bunch of thieves! Let all the banks collapse! I was informed also by the operator that they closed the original ( Sparks ) account and started the account I assumed was the original one I am still paying off. Operator also said that according to the original documents I agreed too, Im being held to those and their terms, while Capital One is above any laws the ordinary consumer knows anything about! I asked for help, got nothing!!!! Told NO! NOTHING about any of the changes mentioned either!!!
Consumer complaint received 2024-05-14
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. (GA)

Subject : 15 U.S. Code 1666b - Timing of payments I am writing to formally dispute the inclusion of a late payment entry on my credit report, attributed to XXXX XXXX XXXX XXXX for the month of [ Month/Year ]. This dispute arises from a fundamental misunderstanding of the timing of payments, as outlined in 15 U.S. Code 1666b of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I was dismayed to discover an entry indicating a delinquency in my payment history with XXXX XXXX XXXX XXXX. However, it is crucial to clarify that the timing of payments under the FCRA allows for a grace period before a payment is considered late. 

Acording to 15 U.S. Code 1666b, creditors are required to provide consumers with a reasonable amount of time to make payments before imposing late fees or reporting delinquencies to credit bureaus. This grace period ensures that consumers have sufficient time to submit payments without incurring penalties or negative consequences on their credit reports. 

In light of this legal provision, it is evident that any late payment entry on my credit report must adhere to the guidlines outlined in 15 U.S. Code 1666b. I assert that my payments to XXXX XXXX XXXX XXXX were made within the stipulated grace period, thereby negating any grounds for reporting a late payment. 

Furthermore, the inaccurate representation of the timing of payments on my credit report not only violates the FCRA but also undermines the integrity and reliability of the credit reporting process. As a consumer, I rely on accurate and transparent credit reporting to assess my financial standing and make informed decisions. 

Therefore, I demand a comprehensive review of the disputed late payment entry, taking into account the provisions of 15 U.S. Code 1666b regarding the timing of payments. Any inaccuracies must be rectified promptly, and the erroneous entry expunged from my credit report to ensure compliance with the FCRA and uphold the accuracy of my credit history. 

Failure to address this dispute in accordance with the legal provisions outlined in 15 U.S. Code 1666b may necessitate further action to protect my rights under the FCRA and mitigate any adverse effects on my creditworthiness. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the corrective actions taken.
Consumer complaint received 2023-12-20
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-08-16
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. (PA)

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 an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under 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 account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, 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. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I want my old car loan for the XXXX  Toyota XXXX removed from my report as a loan balance because I paid it off. My car accident, on XX/XX/XXXX, this year left me in a bad spot. The loan was paid for the most part by gap insurance, and the perp 's insurance, XXXX XXXX. The remaining was paid by my pockets. I want it removed. Should be updated to say it was paid off.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

As of XX/XX/year> Navy Federal Credit Union Has Taken My SSXXXXI Payment to allegedly satisfy a Lien I was. Now my Government Benefits to pay for my housing is gone and my home is unpaid. I was told this was to cover a Lien, I was never given notice of an actual lien. 

They Posted the Debit for a Credit Reversal From a Dispute which is still ongoing. They cant even provide proof they even engaged in a dispute with information provided. 

So how can NFCU be taking conclusive action. NFCU has also closed my account without notice. It is Navy Federal Credit Unions Job to Dispute the Transaction and negotiate the fee or dispute it to XXXX based on the defects. XXXX claims NFCU hasnt even reached out to them yet they are sabotaging my account. NFCU refuses to respond to the CFPB complaint ( s ), yet they are taking adverse actions against me and my accounts. 

Government Payments are only able to be garnished or levied by the US Department of Treasury. Here I am without my SSXXXX Payment, For a Lien there was no notice provided for. Which is not a lien it is an overdraft created from a dispute they failed to dispute. 

Which is unacceptable. 

******************************************************************************* Can a debt collector take my federal benefits, like Social Security or VA payments? 

Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. This is called garnishment. 

The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. 

As long as I am using direct deposit, which federal benefits are protected? 
Money you receive and direct deposit to your account or card from the following government programs is protected : Social Security benefits Supplemental Security Income ( SSI ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the Federal Emergency Management Agency ( FEMA ) ********************************************* XXXX XXXX XXXX XXXX I am requesting all correspondences be submitted to CFPB ONLY Do not call or Write. I want the correspondence accessible to the regulators and in writing electronically stamps. 

Copies Sent to / via : Navy Federal Credit Union Consumer Financial Protection Bureau All Correspondences Can be sent to : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-14
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. (AR)

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 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 ) ( 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 informationisinaccurate.
Consumer complaint received 2024-05-14
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (TX)

I was the power of attorney for my mother. Since her passing, Ive been trying to become successor in interest. My brother and my sister and I were heirs to the property in question. My brother and sister declined to be financially attached to the property. And I elected to the successor in interest. Since I submitted my mothers death certificate back in XXXX, I have been railroaded by the mortgage lender, and very disrespected. All the while all Ive wanted to do is clarify who I was, and turn in the documents needed in a timely manner, so then I could assume the notes and find a way to Budget the financial obligation I had. When I kept getting documents sent to my home stating I was not verified because my identification was not legible? I found it very odd and so I kept submitting it over and over and over countless times I believe it was at least 10 times if not more over the course is it Five years weve been living in the home. What I found very odd also was that I went to XXXX XXXX County clerks office to record the affidavit of airship. They asked for my identification, which is clear to me that I wouldve been identified in all aspects of pertaining to the mortgage. Also, since I was power of attorney for my mother the mortgage lender had every knowledge ofI who I was because I showed my ID to become a power of attorney and it is on record, and I have document to prove that as well. No, it is true. My husband and I both became sick. My husband had XXXX I have a XXXX. My husband also suffered a XXXX XXXX and could not work, hes in XXXX and works very hard and its very hard for us to get from one day to the next. It seems some times and were not young anymore. But we want to fulfill our obligation as homeowners and we want to work with the company but I dont see how they can tell me that they can not read my identification or find away promptly, and it just state that in the logbooks that they must identify me as a successor in interest, and give me that afforded me that up of opportunity. And another thing whenever the documents were in their eyes verified they said I was too late that the sale had already started and they had sold my home. However, I received a letter stating that they still needed on my document and that I had 90 days from XX/XX/3020, XXXX XXXX business days to respond and get it in which I did. But all in all the home have been sold underneath me even though the very next day XX/XX/XXXX, I spoke to a representative from the company and they assured me that it did not sell and that they were taking the home off of foreclosure list. Thank you very much.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC. (AL)

My credit report was involuntarily frozen by XXXX due to its security breach. I applied for a loan today with Ally Bank through XXXX XXXX, etc. in XXXX, AL ; however, Ally Bank wants to charge me 15 % interest with a XXXX credit score. Two years ago I was granted a 12 % interest auto loan with a credit score of around XXXX with XXXX XXXX XXXX. I was told by the finance manager of XXXX  that the reason Ally Bank charged this high interest rate is that my credit report had to be unlocked and that some finance companies penalizes consumers because of this. This is totally unfair to consumers. I did not place this freeze. XXXX  had to place this freeze due to a security breach. What is going on? Most auto interest rates in today 's market starts at or about 3.0 with an average credit score of 640-699.
Consumer complaint received 2023-07-31
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. (NY)

details of this complaint is in the letter please review it. i have attached FTC that you requested and a screenshot as well of the charge-off accounts that i did not authorized and its not mine
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I'm a disaster victim and I reached out to Navy federal and they representative informed me that Navy federal was assisting member who were affected. He went on to state that he would reduce my payments to {$200.00} on all cards and that would remain in affect for a period of 1 year. However, that is not what they did. They charged me extra fees, gave me a loan for only {$5000.00}, but now they have all the card payments due at the same time. Moreover, all of the information that was told to me are now a mistake on the representative part and they have increased everything. Placing me in a worse situation than before the disaster.