davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They are mistaken me for a d/b/a putting XXXXXXXX XXXX and XXXX XXXX on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX Florida Im in Texas so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from XXXX who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall letttinf someone max me out but give me a hard time about my own.
Consumer complaint received 2023-01-20
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

I dont remember the exact date because it was last year. There is a XXXX XXXX XXXX synchrony bank. They are used by XXXX to finance repairs and some other places. My use was XXXX. I have tried paying off my credit multiple times and they wont let me access the account. I cant use the account nor access it in any way. I tried over the phone I tried on the website. There is no way to access my account. My XXXX XXXX has dropped to a XXXX because of it. Im XXXX and with my XXXX XXXX credit card Ive had no issues making payments. Due to losing my vehicle I was not making much money so my credit usage is through the roof. But I have not missed a payment. I also use affirm which again I have not missed a payment I usually keep cash so my account stays low but I keep money in if I know I will use it. I can show my credit card and affirm issue and show I have no issue. Synchrony on the other hand Ive made XXXX or XXXX payments but since then I have been locked out. I have more than enough to pay it off now but am not able to. I copied & pasted my information from chase to make the payment but nothing is working. When they called I told them I would pay it in full then they suddenly have no history of my transaction. I dont know how to pay it or get it removed from my account. Please help remove this company and provide a way for me to fix my ruined credit score. I am not able to get a new vehicle due to this. The vehicle I have was payed off within a month of purchase. The issue is not funds but approval
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (FL)

Please send prove of my written consent and original agreement and contract sing by me and the creditor also I did not sign any agreement with you I dont owe you any money even if you purchase debt for XXXX so please send the agreement with you and the creditor sign by you and the creditor or remove this account immediately
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

XXXX failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See attached and explain
Consumer complaint received 2024-03-22
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

I got a {$1500.00} loan that I have paid on time for 20 months. My payments have come to a total of {$1300.00} and when XXXX the pay off they told me I still have a {$1000.00} balance. I was not made aware of the length of the loan or how high the interest was when getting the loan or that there would be penalties for paying it off early. I also noticed they raised my interest rate without telling me. I also was not made aware of how daily intrest works. It was very deceptive and I feel like I've been grossly taken advantage of.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

Carecredit has a system in which you can do a 6 month interest free payment plan. If you have multiple promo purchase charges open they used to apply your full payment to the oldest/one that would accrue interest soonest, which makes sense and is how the customer would want to pay off. Now however, they've switched the system to spread your payment across all the charges. So if you had a {$30.00} expiring promo period and XXXX others not expiring for 5 months and put {$30.00} towards your card it would put {$10.00} to each rather than paying off the {$30.00}, allowing the one not paid to charge interest since the grace period then expired. 

When working with the company they have informed me that every time I make a payment I will need to reach out to customer service to ask them to allocate the payment to the expiring promotional charge. Every time. This is not customer friendly, but I've attempted to do this and each time they have not followed directions and paid off XXXX and spread the rest ( after being told to apply it to XXXX specific purchases that were expiring soonest for example ). Then when checking back to make a payment later it is seen that the interest has been charged on the payment the customer has assumed has been paid off. In other words, the customer has to keep a keen eye on checking back and contacting again to be sure their payment is done properly or carecredit charges interest that the consumer may not notice unless they checking back. This makes it quite easy to take advantage of customers, especially those who may not be as careful. And as this card is touted as good for medical payments, this can be a large class of people that are easy to take advantage of. 

This system seems to be set up for carecredit to make money off the interest charges that would otherwise not be accruing. My own payment has been fixed ( after multiple contacts with customer service and escalating to a manager ). I have put in complaints before but they only do it on their end and will not give you contacts to place your own complaint, so I'm not actually sure if complaints are actually ever placed with them or they just tell you they are to keep you quiet. I may have fixed my own issue, but I worry for the people that can't be as careful/on top of their payments that carecredit can take advantage of them too easily, since it does seem to be set up now for that to be the case. I hope someone can look into this as it seems quite predatory.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

i called Experian and requested that they clear this matter on my credit report and they explained to me that the information on my report is accurate without them showing any proof i sent them a certified letter with a copy of my license as well as an utility bill and they still have not changed any of my report this is hindering my lifestyle Here 's the letter they received ( certified ) two weeks ago : Subject : Incorrect Information on Credit Report and Unauthorized Inquiries Dear Sir/Madam, I am writing to express my concern regarding the incorrect information on my credit report and the presence of unauthorized inquiries, which I believe violate the Fair Trade Act. I kindly request your assistance in resolving this matter.

Upon reviewing my credit report from Experian, I have identified several inaccuracies. Firstly, my current address is listed as XXXX XXXX XXXX XXXX XXXX Florida XXXX which is incorrect. I have been residing at XXXXXXXX XXXX XXXX XXXX XXXX  Florida XXXX for the past 10 years and it is crucial that my credit report reflects this accurate information. 

Furthermore, I have noticed multiple unauthorized inquiries on my credit report. I have not given permission to any organizations or individuals to access my credit information, and these inquiries are a violation of my consumer rights. I request that all unauthorized inquiries be immediately removed from my credit report. 

According to the Fair Trade Act, consumers have the right to accurate and up-to-date credit information. The inclusion of incorrect information and unauthorized inquiries not only affects my creditworthiness but also infringes upon my consumer rights. I kindly ask the Consumer Financial Protection Bureau to intervene in this matter and ensure that Experian takes prompt action to rectify these errors.

I have enclosed copies of my credit report, highlighting the incorrect address and unauthorized inquiries, for your reference. I kindly request that you review these documents and take the necessary steps to address this issue. 

I appreciate your attention to this matter and your efforts to ensure a fair and just resolution. Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I have deposited two different checks using the mobile deposit app with Truist. On both occasions they have held the funds for 10 calendar days, despite my getting an email stating the funds would be released the next day. Tried escalating via customer service number, who directed me to the branch. Was told at the branch, they do not have any power to release funds earlier, despite being told otherwise when my call was escalated to a supervisor. These were both part of my monthly payroll.
Consumer complaint received 2023-06-20
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: Westlake Services, LLC (AL)

I was trying to buy me and my girls something to ride in to get back and forth to work... i lost my home on the first vehicle due to the pandemic and 3 of my uncles passed from XXXX XXXX.According to the 15 USC 1681 law , there should not be any damages on my report Its an defamation to my character
Consumer complaint received 2023-08-27
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. (GA)

XXXX XXXX Trans union I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with transunion and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the FCRA, on XXXX and XXXX XXXX XXXX violated my consumer rights. On XXXX and XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer rights. On XXXX XXXX XXXX XXXX XXXX violated my consumer rights. 15 USC 1681 Section 602 states that I have the right to privacy. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX illegally shared my personal information with an unauthorized third party ( Equifax ). 15 USC 1681 Section 602 also states that a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Equifax has failed to supply proof that any of the above listed companies had my written permission to access my Equifax consumer report. Equifax must DELETE the above listed Hard Inquires from my consumer report.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX  is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with transunion and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report
Consumer complaint received 2023-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I dont know what happened but I started seeing mailings coming to XXXX saying I have like 5 credit cards but I never open one before and I dont know what to do in this moment.

And have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (OH)

I tried to make a larger payment than minimum installment to pay less interest. There is only the option online to make the installment payment or pay entire balance. There is no option to make larger payments to decrease interest paid. They are trying to force you to pay more interest. I called customer service and was told there is no option to pay more. This kind of loan should be illegal in the United States. This is obviously done because many customers may not be able to make entire payment.
Consumer complaint received 2023-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

I have previously submitted a complaint regarding AidVantage not submitting my refund request to the Department of Education for refund of payments made during the COVID-19 emergency. AidVantage responded that they submitted my request to the Department of Treasury and that payment would be received in 4-6 weeks after processing. That was in XX/XX/. To date, I have not received my refund payment. I have tried to follow up with AidVantage via email but have not received a response. My student loan balance increased due to the refund but I have not received that refund payment. I am unsure if the payment comes from AidVantage or the Department but am not receiving information to pursue through the correct channels.
Consumer complaint received 2024-01-25
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. (WI)

On XX/XX/XXXX I submitted a CFPB complaint to your agency in regards to a item listed on my consumer report. In the public record section of my consumer report. On XX/XX/XXXX your agency stated in your response that this item was verified as reported. But in fact, that is not 100 % true. Because this item is currently still being reported wrong. The reference number and court name does not match across all three of my credit reports. Please correct, modify or delete this item from my Transunion consumer credit report immediately for the following reasons.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, 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. (LA)

To whom it may concern. 

I have inaccurate reporting on my credit reports, I asked credit bureau to verify invalid information. This a have disputed several time with XXXX and Experian. Please delete hard inquires, collection of billing errors past due collection amount. Charge offs. There was was data breach my information was share with unknown companies. The credit bureau is not following Fair Act Credit Reporting There several violations under code. 
15 U.S. code 1681b 15 Us code 16181 c-1 15 us code 1681 c2 15 us code 1666 Account ; XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Freedom Mortgage raised my payment XXXX XXXX They said was because I needed an escrow cushion, now I don't pay taxes so they can't raise and my insurance just went down. I pay extra on my payments so why do I need a cushion. They say I'm short by XXXX minimum balance of XXXX, required minimum balance of XXXX. Now in 14 yrs I've never needed a escrow cushion. I haven't had problems like this since XXXX XXXX but those got straightened out.I don't lie I don't steal and I don't cheat. I will not stop I will not quit until I get this straightened out.I will be talking to that broker who hooked me up with freedom mortgage and the Attorney General I'm coming..
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, 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. (CA)

Received letter in the mail from XXXX XXXX stating they could not open credit line for me. I never applied to this bank/merchant for any credit. 
I requested credit report from Experian and it showed hard inquiry on it from this bank. It took place in XXXX and while I do have credit monitoring with Experian- they never alerted me to this inquiry. I called XXXX XXXX  also and XXXX confirmed that someone did try to open account/credit line and they used my XXXX XXXX
Consumer complaint received 2022-11-08
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. (TX)

I am a victim of identity theft. I have never done any business nor do i have any agreements with these companies that I have mentioned in my ftc report, it is s attached to this complaint as well as my identification.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

on XX/XX/XXXX I summited a complaint for inquiries I do not recognize on my consumer report. Its been more than 60 days and no response was given. Please delete this inquiries immediately as they are hurting my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (CA)

I have a PayPal debit card and it used to work when I used it to make purchases in person at stores and then it all of a sudden stopped working and transactions were being declined when I tried to use the card. There was money available in the account and the purchases should have gone through however PayPal kept denying the purchases. I have contacted them numerous times and have spent many days and hours trying to get them to fix the issue which they have even stated is on their end but they refuse to fix the issue. They have promised a service and I have given them all my personal information in exchange for this debit card service and now they are not providing their part of the deal.