davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (KY)

My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXX XXXX and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong credit report.
Consumer complaint received 2023-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

The amount agreeded upon is {$390.00} more than what I agreeded to pay. I have not received a letter from them. I spoke briefly with a representative when we discussed the agreeded to amount. But now I feel like they are trying to extort more money that I didn't agree 2 pay.
Consumer complaint received 2017-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Last summer, XXXX XXXX XXXX, I went to the Bank Of America ( XXXX XXXX, XXXX CA ) and sent ( intern transfer ) XXXX U.S Dollars, that was still left in my account, to my Account in my country ( XXXX, XXXX XXXX XXXX ) before closing the U.S account and go back to my country. However it never got to me. So i have tried several international calls to tell them about the situation from XXXX and they ( Bank of America ) told me that my money was still there ( they did n't send it ) so they wiki send them again, but again it never came. 

So i asked the XXXX agency to take a look about this situation and they have found out that they have mistaken the RECIPIENT 's name on the form, so that is why the money can not go through the international transfer. Apparantly, according to the XXXX XXXX XXXX, the money is still there in the money 'pool ' of Bank of America , which every Bank has to keep the unknown money. 

I have tried to contact Bank of america afterwards as week but they keep on asking me my account number but i do n't have them because i have closed it before leaving the country. 

Please help, Best, XXXX
Consumer complaint received 2017-09-19
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: EQUIFAX, INC. (CT)

Dear Equifax : I had previously disputed XXXX as a fraudulent account and it was deleted months ago. Today I get an update that my credit score plunged 82 points and this XXXX student loan account appeared again on my report. I am suspecting you are not in compliance with federal law to prevent re-appearance of previuolsy disputed information. 
I have been trying to contact Equifax by phone and can not access my report online. I already disputed that information on the CFPB portal and it was deleted and it was placed back on this month. 

The account name is XXXX, please remove this account or I will seek legal remedies under the law.
Consumer complaint received 2023-05-29
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 a account without my written instructions.

" I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ''
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

I purchased a sofa with Ashley Furniture on XX/XX/XXXX, and was promised 0 % APR for 60 months. I was set up for auto payments through MySynchrony so I never realized that on XX/XX/XXXX, they hit me with {$370.00} of interest and it has been rising ever since. The total balance is now more than what I started with! I had originally wanted to pay for the entire sofa in cash, but did not bring enough with me. I was promised by Ashley Furniture that I could come back and pay the rest of it off in cash, but when I had returned the next week they said everything had to be done through the credit card. After reviewing the contract, it does state that MySynchrony only allows 6 months of no interest, but the salespeople at Ashley Furniture DID NOT MENTION IT ONCE. I dont understand how it is legal for them to make these completely false advertisements. They will never receive my business again, and the sofa I purchased started piling after 3 months anyway. Total waste of my time and money!
Consumer complaint received 2023-05-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ragan & Ragan, PC (GA)

In accordance with the Fair Credit Reporting Act Ragan & Ragan , PC account number 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 consent.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

I originally took out XXXX. I paid this down after the excessive rate. I was offered to refinance and take out more money. Upon taking out this loan I was told that the loan was short term. It appears that no matter how much I pay the loan amount continues to increase. I took out a loan around {$6900.00} around XXXX. I have paid maybe {$5000.00}. One main is stating that I still owe XXXX.
Consumer complaint received 2024-03-29
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. (FL)

There is several wrong inquiries in my credit report, these unauthorized inquiries are wrong. I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge
Consumer complaint received 2022-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NV)

I was placed on forbearance during the pandemic and on XX/XX/XXXX I called into the offices to get information on my forbearance ending and heard a recording if I wanted to make a trial payment. At the time was aware of the meaning or reason for a trail payment got thur to a Amerihome Mortgage representative and I proceeded to ask about the meaning of a trial payment. He asked if I had received the documents in the mail that I was to pay XXXX a month for three months. I replied I had never received a letter from Amerihome Mortgage regarding this. The agent asked would I accept a verbal agreement over the phone, I accepted on the payments were to start in XXXX, XXXX, XX/XX/2021 for the trail payment amount. I asked the representative could I make the first payment while we on the phone for the month of XXXX that day. I asked again is it ok to pay this now. I was placed on a brief hold he return and told me that was it ok to make the payment earlier than the schedule date. Made the payment and in XXXX made another payment and around the XXXX of XXXX I received a letter stating I missed a payment for XXXX. I immediately call and was told my trail payments started in XXXX not XXXX and my trail payment wasnt any longer available because I missed a payment. So I was told I had to submit a loss mitigation packet which they would send out. 
I wasnt happy with this news so I requested to speak with a supervisor for Amerihome mortgage customer service. I explained the phone call to set up trail payments and the dates that I and the representative agreed to. I asked them to listen to the recorded phone message. I was asked to call back in 5-7 business days called back round the end of XXXX and was told by another customer service manager that the recording has been pulled and there was a mistake on there behalf regarding the starting date of the trail payments and would be shown I made the payment on time. I was told that 1or 2 things would happen add a additional 10years to my mortgage term or work out a repayment plan. Called again a few weeks later was aske to fill out a loss mitigation packet, I asked why and I was told thats the next step. I called to speak with another customer service manager and see assured me that I didnt need to do so and she had sent the loss mitigation department the info along with correct information to proceed to the next step of deciding of the 2 options. Call back and all this just disappeared I was told again to submit a loss mitigation packet. Did so 4 more time receiving documents from mortgage company that they received everything and there no need for any further documents and also go letter saying I was in underwriting. And this has been going on since XX/XX/2021. I submit a loss mitigation packet and they send a letter say received and no other information needed check back and it same thing over and over. So Ive to this day submitted 6 Loss mitigation packets..
Consumer complaint received 2015-05-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Finance Store Inc. (IL)

I XXXX XXXX applied for a loan on XX/XX/XXXX paying the processing fee of {$1500.00} to XXXX XXXX whom I was referred by XXXX XXXX. Then after that I didnt hear back from anyone regarding my application and I insisted to XXXX an answer for the application and he commented that the loan was being processed. He did n't give us a closing date he only said that we should wait for an answer regarding the loan. I trusted Ascension so I waited till XX/XX/XXXX when an XXXX XXXX contacted me and stated that XXXX was an irresponsible individual and said that he had several weeks trying to contact him and XXXX would n't respond to his calls.XXXX asked for personal information and a service fee of {$750.00}. in which the application for the loan was {$500.00} and to pull the credit was a {$250.00}. Reassuring me that he needed the money right away so he could finish processing the loan because it was approved and i was just waiting for a closing date. Weeks went by and we lost contact and I couldnt get a hold of him. I called and emailed him numerous times with out being succsefull. On XX/XX/XXXX I recieved a call at XX/XX/XXXX XXXX time and XXXX XXXX XXXX.Asking me for a letter notirized letter in which i was suppose to appoint a power of attorney to interpet me. Later XXXX called me and said he had emailed me a letter in my email and to have it signed and notarized and return it via email. After reviewing the letter and noticing that he was appointing himself as power of attorney so i ignored it. I then decided to appoint XXXX XXXX as my power of attorney and interpreter. The following day XXXX XXXX called me and told me that she needed my information I sent all the information she asked for via email. Weeks went by and no would answer my calls. I called numerous calls to XXXX, XXXX and XXXX. I was wondering the status of my loan so I called the bank myself. Then they stated that they could n't processed my load because the underwriter would n't work with people that do n't speak English. XXXX the representative said that they do n't charge for a fee and that they knew the individuals that had processed my loan and that the legal department was going to contacted me and I since then have n't heard anything from the legal department. I was told that XXXX and XXXX was a third party representative
Consumer complaint received 2023-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX my Paypal account was closed without any warning. I had done nothing wrong. All of my transactions were either sending money to a company for a payment of goods or services or receiving/sending money to a friend. Both types of transactions are what Paypal terms and conditions state that their accounts are used for. 

I had a refund from a diving company in XXXX that amounts to {$240.00} on XX/XX/XXXX. This is sitting in the digital Paypal wallet. Paypal will not let me withdraw my refund. 

I request that my refund be transferred to my linked bank ASAP. This is my request. 

The email address associated with my Paypal account is XXXX.
Consumer complaint received 2023-05-29
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: JPMORGAN CHASE & CO. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-05-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. My only and correct social security number is XXXX. My only correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. My only job is XXXX please delete any other job that is attached to my file. Thank you.
Consumer complaint received 2023-05-29
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: OneMain Finance Corporation (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

XXXX ( {$7.00} ) and XX/XX/XXXX ( {$13.00} ) interest on statements In XX/XX/XXXX I signed up for a 0 % balance transfer promotion for 12 months on my existing Chase credit card. I transferred over approx {$1500.00} from another bank institution No purchases were made on the card until XX/XX/XXXX ( XXXX XXXX ) and that purchase was returned on XX/XX/XXXX. 

On XX/XX/XXXX when the statement closed, I was charged {$7.00} in interest and in XXXX I was charged another {$13.00}. This interest was on the returned purchase. Chase applied the ( returned ) credit to my promotional balance and as a result Im essentially paying interest on an item returned within one day. That is their policy per Chase and they agreed Im paying interest on a returned item. In speaking to two supervisors they were also unable to refunded the interest. My account has always been in good standing.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (LA)

have unauthorised inquiries on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-05-29
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: General Motors Financial Company, Inc. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX Has Violated My Rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604, section 2 : it also states, a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consume credit plan as late for any purpose.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A criminal entity posing as " XXXX '' made inquiry to my TransUnion credit file on XX/XX/XXXX and was given access to my full report. Within the next 30 days, my identity was stolen. I confirmed the fraudulent nature of the fake " XXXX '' credit inquiry with the actual National Coordinator of " XXXX '' on XX/XX/XXXX. On XX/XX/XXXX, I sent a Certified Letter to TransUnion informing them of the Fraudulent Inquiry and provided them with relevant details of the fraud. I also alerted TransUnion to the fact that continuing to provide Subscriber Services and Access to the Fraudulent " XXXX '' entity was putting unknown hundreds, or perhaps thousands, of people at risk of Identity Theft. Finally, I requested TransUnion contact me to discuss the fraudulent inquiry made to my credit file and to receive information from TransUnion regarding the contact information and transaction history with the Fraudulent " XXXX '' entity. 

On XX/XX/XXXX I received a response from TransUnion that was totally unresponsive to the information I had provided or the specific nature of my request ; their reply says only that " the information you disputed does not currently appear on your TransUnion Credit Report ''. I had hoped to receive a response that acknowledges the Breach of Security and unauthorized access to their files so that I could help law enforcement catch the criminal and to prevent others from having their Identities stolen. 

TransUnion 's response is appalling in its arrogance - they did not even respond to my specific request - and is an unacceptable reply in that it shows complete and total disregard for the security of the credit files that is central to their business.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE