davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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 (OR)

Every month I am charged interest on a cash advance i already paid off. Capital one card ending XXXX. Ive called and ive been told my payments are not being applied to that interest. Why? Cant tell me .... when times are as hard as they are, capital on shouldn't be charging this interest, now a year total of XXXX dollars a month illegally charged plus the extra interest that has accumulated with that.
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (CA)

I purchased a XXXX  XXXX XXXX  from XXXX XXXX XXXX and the vehicle was financed by Ally financial. The vehicle was used and had XXXX miles on it at the time of purchase. I purchased a extended warranty on it for my protection. The vehicle has twin turbos in it and I only had the vehicle for one year when I began having several problems with it. First the left turbo failed which cause oil and coolant to soak up on my spark plugs which caused white smoke coming out of tail pipe. I sent vehicle to XXXX XXXX XXXX XXXX XXXX  and they claimed to have fixed it. I paid out {$860.00}. Then not even two months later the same turbo goes out and along with the right side. Among other issues mechanicaly with the vehicle. The first service department told me that the turbos where in back order this was XXXX of XXXX. It is now XXXX of XXXX  and the vehicle has been at the first service all this time. I have contacted ally financial several times to inform them of the vehicle problems and what options I have being that I have XXXX children and needed a vehicle to get back and forth to work and get children to school. They just referred me to the dealership which couldn't do anything for me because my credit was already low.. so I had to get money from my husband to purchase another vehicle which he got me as a XXXX gift from XXXX . I contacted Ally financial to inform them I couldn't pay for the vehicle and inform them where the vehicle was several times so they could go get it. They never picked it up and are now suing me stating that I'm withholding location of vehicle and suing me for the whole amount financed which is {$25000.00}. I need to file bankruptcy because I have no job and a lot of other debt totalling over XXXX dollars in unsecured debt. Ally financial has went to great extent to collect their property by sending several people to follow my family and I literally everywhere I go whether it be to graveyard to visit my grandmother, to hospital for my son and husband suffering from a XXXX XXXX, to grocery store etc. They park across the street from my house and wait for me to leave 24/7 I have taken video as well as pictures of all vehicles showing them tail me everywhere I go... it has caused me extreme stress and. XXXX  because of invasion of my privacy and my families. Their drivers have even went as far as to jump in front of me on freeway and slam on break to try and cause me to crash, they have sped up past me and look at me with crazy facial expressions and even make hand gestures to me ..I don't know what else to do and fear for my safety
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Opened a Venmo account on XXXX, XXXX XXXX. Later that same day I had received an email from Venmo that my account has been suspended for " unusual activity linked to your Venmo account which may be in violation of our user agreement '' I requested for what reason, as I had just opened the account and did nothing else. So I do not know why I'm being affected as I did completely nothing besides opening my account. 

Venmo inquired to receive a valid picture ID, which I sent them and the request was denied and the account is still restricted.
Consumer complaint received 2024-04-05
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. (CA)

I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following accounts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX. ) XXXX.
Consumer complaint received 2023-10-13
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. (NC)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and i did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (TX)

XXXX, Experian, & XXXX continue to report an allege bankruptcy that they can not verify. XXXX indicated that the information has been removed and the courts state they do not verify bankruptcy. I would like the consumer agencies to turn over the documents they used to verify this bankruptcy immediately.
Consumer complaint received 2023-10-13
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. (NC)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AR)

Ive been in contact with Mohela for over 60 days requesting my complete payment history prior to Mohela taking over as my loan servicer. They said it would take 30 days which is a very long time to begin with. Now over 60 days still getting a run around response that its still being processed. I need this payment history because I can no longer obtain it from my previous provider. Mohela states on their site they have this information and can provide it. 
Account XXXX
Consumer complaint received 2023-10-13
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: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2020 I received a notification from USAA demanding proof of flood insurance for home equity line of credit otherwise coverage would be forced placed. I have flood insurance through USAA. Why is USAA sending me forced placement notices? 

After attempting to follow the instructions, the automated prompts provided another number for me to call. 

I spoke to someone although I am not confident the appropriate action is taken as there was no follow-up phone call or email.
Consumer complaint received 2020-04-07
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. (MD)

XXXX/XXXX  XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-13
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. (CT)

I am writing to express my extreme dissatisfaction and frustration with the persistent mishandling of my credit report by Equifax. The matter at hand involves numerous instances where my credit score has suffered due to unauthorized hard inquiries, particularly by XXXX XXXX, and subsequent inadequate corrections by Equifax. On XX/XX/, I was alerted by XXXX and XXXX XXXX about changes to my credit report. Investigation revealed an unauthorized hard pull by XXXX XXXX, an action I neither authorized nor initiated. Despite immediately reaching out to Equifax the response was shockingly insufficient. My credit score decreased significantly. After disputing this with an Equifax and providing XXXX XXXX 's reference number ( XXXX fraudulent application with notes stating : closed application ), my credit score with Equifax has remained unchanged with the significant score drop. This pattern of losing more points than regained after unauthorized inquiries is a recurring and unacceptable issue. My credit score should have passed XXXX by now but because of the inaccurate Equifax reporting and the pattern of hard inquiries from the same XXXX XXXX, my score continues to suffer with Equifax. The proactive measure of freezing my credit file, which should prevent unauthorized inquiries, has proven ineffective against XXXX XXXX 's persistent actions. This is a blatant disregard for my rights as a consumer and a failure in ensuring the security of my credit information. I only had the freeze temporarily lifted upon suggestion from a XXXX XXXX XXXX  representative when I went to open a checking and savings account with them. Moreover, the reporting inaccuracies from Equifax have further compounded the problem. Examples of this are not updating my accounts accurately by not providing the correct monthly balance updates.This egregious error has had a severe impact on my credit score, hindering my financial plans, particularly my ability to proceed with a house purchase. I shouldn't have to constantly have to reach out to the CFPB to help me get my information corrected, updated, and protect my security. This is unacceptable. I have already let Equifax know that I have not requested credit from XXXX XXXX nor authorized this! I have disputed this with Equifax and Equifax has sent me notification stating that the hard inquiry is accurate even though I have provided the reference information from XXXX XXXX stating it is fraudulent!!! This is unacceptable on the part of Equifax!! What is wrong with this picture?? I need the escalations department from Equifax to step in and do something about this
Consumer complaint received 2023-02-20
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 — Problem with personal statement of dispute
Company: Synovus Bank (OH)

On XX/XX/XXXX I was notified that my last credit payment through First Progress was marked as late I had set up the payment electronically through my bank and the estimated delivery was by the 9 at this point I perceived the payment to be paid to the crediter for some reason the credit company didn't cash the check until the XXXX of XXXX and stated that my banks payment delivery confirmation was not proof of payment and they required proof that they cashed the check before the XXXX I replied with so if my check was lost in the mail and it wasn't my fault I would still be hit with a negative mark on my credit report and they said the only proof allowed is proof that they cashed the check before the due date. I responded with what was to keep the company from receiving my check and waiting to cash it until after the due date to also charge me a late fee to which they were adamant that the only proof excepted was proof the check was cashed
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-10-28
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: SYNCHRONY FINANCIAL (TX)

Synchrony Bank another account opened crossing my info wrong fraud this acct XXXX PayPal. 
Also XXXX XXXX XXXX account I have filed Fraud with my County and XXXX XXXX XXXX reports of Identity Fraud Theft. Some accounts have been removed. These are a few as of now Im doing my best to get info and recognize the Fraud. Thank you
Consumer complaint received 2024-04-05
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. (PA)

XXXX XXXX and XXXX XXXX are both charge-offs the irs clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. 
And 15 USC Code 1681e B states ( b ) Accuracy of report Whenever a consumer reporting agency pre- pares a consumer report it shall follow reason- able procedures to assure maximum possible ac- curacy of the information concerning the indi- vidual about whom the report relates.
Consumer complaint received 2023-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

Navient states " you where not in default of your loans since XX/XX/2021, therefore you dont qualify for forgiveness. Even though, the school was found to be fraudulent and I had not made a payment dince XX/XX/2021. I recently filed bankruptcy and they have received funds from my trustee. How are they legally allowed to not discharge or forgiven my private loans? 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX I deposited a check and on XX/XX/XXXX Chase Bank put a hold on my check, I called and sent XXXX messages. I was told that an extended hold was placed on my check, and that I would receive an explanation via Chase messages, I never received anything and I had to keep calling for them to remove the hold manually and when they agreed they did it because they could not figure out why a hold was placed. 
On XX/XX/XXXX I deposited a check and noticed that no funds became available. 
I called, tweeted, and went into a bank, and was told over the phone by the holds department that they have the right to place a hold on my check for no reason, and they do not have to tell the customer why a hold was placed on their money. Today is XX/XX/XXXX and a hold has been placed on my check for no reason. I have worked for the same company for about 11 years, and deposited my checks bi-weekly for around 11 years. My account is in good standing, and nothing has changed with my employer 's checks.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (VA)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (SC)

The tenant and guarantor believe that National Credit Systems and XXXX XXXX XXXX XXXX XXXX are in violation of the Fair Debt Collections Practices Act by attempting to collect on a debt in full too prematurely. Additionally, based on the way the tenant vacated the premises was in avoidance of continued harassment and perceived possible personal injury.
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (TN)

I am very tired of all of this. I submitted over 30 days ago that these accounts are inaccurate and a violation. These accounts are defaming my character, harasssing me, violating my rights which all are a violation according to XXXX XXXX XXXX a.b.c.d.