davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year>, I attempted to place a security freeze and credit lock on my TransUnion credit report to protect my personal credit files while applying for business credit. Specifically, I was in the process of applying for a business auto loan through XXXX XXXX and wanted to ensure that only my business credit would be pulled during the application process. 

I had previously created a paid TransUnion account to access the freeze and lock services. However, I encountered issues both online and through customer service. After several attempts to freeze/lock my credit, I contacted TransUnions customer service via chat. The representative informed me that they were unable to process my request and created a claim to escalate the issue. I was given case number XXXX and told that I would be contacted by their special handling team within 3-5 business days. Despite expressing my concern about preventing any potential negative impact on my credit, the agent said there was nothing more they could do at that time. 

Several days later, I still had not been contacted by TransUnion. In the meantime, the inquiry from my business auto loan application has appeared on my personal credit report, which I was trying to avoid. This inquiry is now visible on all three bureaus. Despite paying for the service and multiple attempts to resolve the issue, I am still unable to place a security freeze or lock on my TransUnion account. 

I am attaching a screenshot of the chat with the TransUnion agent as evidence, showing the case number and their promise to escalate my issue.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (IN)

I just don't understand how I took the loan out in 2020, tried to work with them on paying the loan back, ultimately had to default on it after making two fulll years of payments and I owe more money than what I borrowed.

Original loan amount {$4900.00}.

Amount in collections {$5300.00}.

Originally took out the loan due to my wife not working during covid, I was suffering losses at my job because of covid. I was also working my way through school. Granted, I took out the money, but this loan just seems predatory. Now the collection agency they sold the loan is filing a lawsuit.
Consumer complaint received 2024-08-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (CO)

I am the co-signer for this account. The primary is in XXXX XXXX XXXX  XXXX. Due to this situation I contacted care credit told them about the primary and was told that I could have access to the account with the account number and register for online access. My information is linked due to being the co-signer that incudes my social security number. Due to the primary not paying, my credit has been negatively impacted already. I have tried to do the right thing and pay off a debt that is not mine. I called again and was told that the email just needed to be reset and I would have access to the online account. This did not work. I have been told multiple times at this point that I would have access to the account in order to set up payments. After talking to a supervisor I was told that I was misinformed and the primary is the only person who has access to the account despite me being the co-signer and my social and credit being impacted. As a victim of XXXX  XXXX, being the co-signer, trying to do the right thing and pay for debt that is not mine, and being misinformed, this situation is absolutely mind blowing and unacceptable. To add insult to injury the supervisor stated I could still make payments over the phone. This is not a way to communicate or handle situations like this.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an automatic payment setup for my mortgage at XXXX XXXX XXXX XXXX. XXXX submitted the debit for my mortgage payment on the XXXX to my Bank ( Bank of America ) checking account that I have setup for this payment. I noticed on the XXXX that the payment was processing and noticed that the account was short XXXX dollars for that payment so I made a XXXX transfer on the morning of the XXXX from another bank account at another bank to make sure that the amount of my mortgage was covered. On the XXXX I logged in to my BofA account and noticed that the there was a returned payment to XXXX for my mortgage due to NSF. I called to BofA to get clarification and was told that since I didn't have the funds in my account the payment was returned unpaid. I advised that I made a transfer from a different account when the payment was still marked " In Process '' so why would they send it back. They advised that this was all done the same day. I advised that it was not. Now I'm getting a NSF fee from my mortgage bank XXXX due to the lack of communication from BofA. when the payment was still marked as " Processing '' and the funds were added on my account to cover my Mortgage payment. 

When I told BofA I would be submitting a complaint to CFPB and OCC about this they just brushed it off and advised that there was nothing they could do. 

BofA Account number : XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally request the removal of several unauthorized inquiries from my credit report. I did not authorize these inquiries. Despite multiple attempts to contact TransUnion regarding this issue, I have yet to receive a response.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown and Joseph, Ltd (MI)

Received letter from Brown & Joseph LLC as debt collector of debt owed from XXXX XXXX XXXX for {$35.00} as of XX/XX/XXXX. Reference # XXXX Brown & Joseph only offered phone XXXX or www.brownandjoseph.com as contacts On XX/XX/XXXX - I accessed the website and sent an email via contact on website. 
On XX/XX/XXXX - after not receiving any information, I called at XXXX XXXX, and was rudely treated and told they have no details and I needed to call XXXX XXXX XXXX  directly. -- - How is that? They are trying to collect a debt they have no information on -- Bogus company? 
On XX/XX/XXXX - ~noon est I called XXXX XXXX XXXX - Customer Service with number provided by Brown & Joseph XXXX XXXX XXXX and was told there is no outstanding balance. My last charge was XX/XX/XXXX and charged via credit card and paid. 
She did say I could follow up with Oriental accounting dept via email -- I will not be doing that. 
On XX/XX/XXXX - Immediately following my call with XXXX XXXX XXXX, I called back to Brown & Joseph, the call was answered but open line with people laughing and some swearing in the background before someone actually addressed me on the line. Then rudely had me wait as they 'looked ' up the account again. I hung up. I believe this is a bogus, 'store front ' to see who will send money. 
I don't know if someone internal to XXXX XXXXBrown & Joseph have a scam going on but I will not be communicating with either anymore.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I did a credit report a couple of days ago and I found out in XXXX that I have a collection on my credit report Date Opened XX/XX/year> Contact info Name COLUMBIA DEBT RECOVERY Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX Account Type Collection Balance {$1600.00} Balance Updated XX/XX/year> Recent Payment - Monthly Payment - Original Balance {$1600.00} Highest Balance - Terms 1 Months On Record Until XX/XX/year> I live in California, and XXXX XXXX is also located in California. I have never received a mail letter from XXXX XXXX or from Columbia, collection agency seems weird because it shows they are located in Washington. I haven't received information about my rights, why I owe this amount, or a debt validation letter. I have received nothing by mail that shows why I owe this amount.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ASSOCIATES LLC sent notice to my employer to garnish my wages starting XX/XX/XXXX. I Filed a Claim of Exemption Form and received ORDER granting exemption and dissolving writ of garnishment due to Defendant Claim of Exemption, on XX/XX/XXXX. 

PORTFOLIO RECOVERY ASSOCIATES LLC has sent notice to my employer again to garnish my wages starting XX/XX/XXXX. I have since filed another Claim of Exemption Form on XX/XX/XXXX. 

I do not know of this debt or the original creditor if there is one. All court documents list is PORTFOLIO RECOVERY ASSOCIATES LLC as the Plantiff and/or JUDGEMENT CREDITOR. I have not ever received credit, products or services from this company.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I have a Visa Gold ending # XXXX with PenFed Credit Union ( XXXX, VA ) - that has an autopayment in place for years, however PenFed with number XXXX continuously call me in regards of a past due balance. According to the XXXX, the autopayment is ACTIVE and payments are debited from my checking account. In addition, I made sporadic payments to XXXX the outstanding balance. Why am I getting these calls about past due balances when XXXX t is supposed to debit at least the minimum balance every month from my bank acct. Furthermore, they reach out to me and expect me to provide full details/or personally identifiable information ( PII ). to them in order to disclose the purpose of the call.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Omega RMS, LLC (KY)

XXXX placed an account for collection with Omega RMS collection agency. I have never done any business with XXXX, have never been a customer, have never signed up for a trial or subscription. I do not know how they got my information or why they believe I owe them {$4000.00}. 

Not only is this showing up on my credit report, they also call daily to XXXX  me. I have disputed the charge with XXXX- and the information was " verified as accurate '' despite me never signing up for their program.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

I reached out to XXXX multiple times regarding my credit report. Example today XXXX I advised them - Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. They responded less than a hour and stated- they will leave information on my credit report. XXXX does not give me the option to dispute using correct reasons, I have to use different reasons that don't apply to my situation because it does not allow me. I disputed with them multiple times due to incorrect balances and how they are STILL reporting charge off accounts as current. Law 15 usc 168 ( e ) B to remove charge off from credit report. I also informed them charge off are only reported ONCE not monthly. That is inaccurate and I informed them of that as well. They decided to keep the same information and also advised me that they will keep it on my account as well. That is inaccurate. I called them 3 months prior about removing personal information when asked about removing my employer I was informed that I couldn't even though I no longer work at that employer and haven't worked for that employer in almost XXXX years. I need XXXX to do their Jobs correctly and to also update and remove ALL collections because I did not give them permission to report. I also informed them the information they are reporting is inaccurate which has to be removed.Below I can show you they are still reporting charge off each month when its inaccurate and I advised charge off only reports once it has to be REMOVED once its reporting inaccurate. Also I reached out to XXXX XXXX VERBALLY and informed them how they were not allowed to report information and how it needs to be removed because they were reporting as charge off they send a letter confirming they will STILL report charge off monthly.
Consumer complaint received 2024-07-31
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. (NV)

These inquiries must be removed immediately as they violate the FCRA 's mandate for accurate reporting. 

Unauthorized Inquiries Equifax Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries Listed below are theInquiries that are being challenged 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS which is a 3rd party debt collector has one again furnished information in my credit report without my full written consent. I don't nor did I ever consent and never will consent to MEDICAL DATA SYSTEMS to access or apply or furnish any records, or Information pertaining to me, XXXX XXXX or any derivatives thereof on XXXX, XXXX and XXXX. 

MEDICAL DATA SYSTEMS or any derivatives thereof or any subsidiaries thereof may not furnish any information of XXXX XXXX in any way on any platform. 

XXXX XXXX and all derivatives thereof is also copyrighted by me and no use of it without my explicit handwritten consent and signature are authorized. 

MEDICAL DATA SYSTEMS clearly has no intention on following the laws mentioned below. 

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (DE)

I made a XXXX transfer between accounts at 2 unrelated banks. Ally then froze my life savings in my Ally savings account. They also froze the ability to transfer money to and from the external accounts on file at Ally.

This Ally account is a joint account I hold with my wife. My wife added her savings account at another bank as an external account when we opened the account. I was told that they cant unfreeze my transfer services on the account that my added because we are not joint account holders at the bank that account is with. This does not make any sense because the we hold the account at Ally jointly and therefore I am authorized to make account changes on behalf of both of us. 

When I called, I was told that a work order would be submitted and that the ability to move money in and out of my accounts would be restored in 1-2 business days. This SLA is injurious to consumers.

I was not told why my accounts were frozen.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX. 
Accounts are : XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX XXXX OF XXXX DEPT OF EDUCATION/NELNET-OPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 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 2024-07-13
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. (LA)

I have unauthorized accounts reporting on my credit report that I have no knowledge of.I have filed an ftc with XXXX, tranunion, and XXXX and need these removes from my report as soon as possible.I feel as if I am being taken advantage of.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I locked out of the myequifax.com online account. 

All attempts to login and/or reset password end up with same error msg " we are temporarily unable to complete this request ''. 

I've talked with four agents. All follow the same steps and end by saying it will be escalated and I will be contacted within a week. I have not received and follow up or fix. 

I see other people complain about same issue online. It's possible that it started because equifax had my old address. But that was updated by the first agent that worked with me. It did not help. 

I first called equifax on XX/XX/year>. I have called five times including today, XX/XX/year>.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I woke up with {$2400.00} taken from my bank account. I had received a text from XXXX asking if I authorized this transaction, I replied with NO. I called to dispute transactions that were not mine. They had canceled my card and the next day an additional XXXX $ was taken. After I had advised them to not authorize this merchant, they still allowed these transactions to go through. They then denied my claim saying I authorized these transactions. These transactions were not made by me.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (NE)

This Jefferson Capital Systems debt appeared without notification on my credit report. I have not received anything by mail, by phone or by email. I requested proof of the debt but did not receive. My information was also stolen in the XXXX breach within the same window of time. XXXX - XX/XX/year>. This is not my debt.