davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (VA)

XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXXXXXX XXXX VA XXXX Re : Used Auto Loan number XXXX XXXX XXXX XXXX XXXX VIN Last Four : XXXX To Whom It May Concern, The present is to file an official complaint to Pentagon Federal Credit Union and to request an immediate removal of the CPI ADD {$1900.00} to my loan balance. 

On XX/XX/XXXX ; I called the PenFed call center and was advised the fee was added because I did not have auto insurance of the financed car listed above. I was also advised my monthly fee was increased from {$360.00} to {$480.00} per month. Not only was my loan balance increased but also my monthly payment. This is financial abuse and predatory lending practice.

First, I have always carried auto insurance on the financed vehicle. As you can see from Attachment 1 and Attachment 1A the cited vehicle was insured. 

Second, I was just advised of your insurance requirements. No more than {$2000.00} deductible and full insurance. The PenFed website does not cite such requirements. See : https : //www.penfed.org/auto/used-auto-loans and when I called to finalize the loan, none of the loan officers advised me of such requirements. Their only concern was to sell XXXX XXXX which I purchased from you. Please see Attachment 3 to verify my updated auto insurance policy. 

Third, I have set up automatic payments to this loan from XXXX XXXX XXXX XXXX for the amount of {$360.00} ONLY. Since the amount submitted for the XXXX payment was higher, XXXX XXXX automatically rejected the payment. 

I request that my demand be reviewed and my loan returned to the original which I agreed to. Please remove any return payment fees, late fees, CPI ADD fees and my loan amount needs to be revised to the original amount. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX XXXX Certified copy mailed to : XXXX XXXX XXXX XXXX XXXX Consumer Assistance Center XXXX XXXX XXXX, XXXX, VA XXXX CFPB Submitted online https : //www.consumerfinance.gov/complaint/
Consumer complaint received 2020-03-11
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. (FL)

These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $
Consumer complaint received 2023-01-16
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)

XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act 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
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (FL)

On XX/XX/2020 a check of {$4500.00} was delivered to there the State Farm Loan Mail a Payment or Payoff address as indicated on their website. 

https : //www.statefarm.com/finances/banking/loans/resources/loan-payment-methods Around XXXX XXXX, i called them to find out why the loan was still showing a balance. I tried to explain to the lady on the phone that i had a tracking # and the delivery confirmation update of the payoff. She didn't even bother to ask me some informations as to what was the tracking # or what was the address it was delivered to. The only support i got was being told that they didn't have the check. 

After insisting and trying to resolve this matter, she started to raised her voice and started to be rude. I told her that this was unacceptable, and I request to speak to a manager. But after being on hold for more than 20 minutes, I hang up.
Consumer complaint received 2021-01-14
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. (IN)

US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DC, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Hard inquiry on my credit report today ( XX/XX/XXXX ) that is not mine nor did I submit for any loan with sba.
Consumer complaint received 2023-01-27
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. (CA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022.
Consumer complaint received 2020-03-11
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: JPMORGAN CHASE & CO. (CA)

I called chase auto finance to make a payment on time ( with in my 10day grace period ). i can verify that call throught XXXX XXXX call logs. 

With out any notification from chase it was brought to my attention that my payment was late and passed the 30 day mark, which then dropped my credit score disqualifying me from a home loan. 

I called chase to see what went wrong and the first lady i spoke to told me that there was an attempt to make the payment but it was not processed. i had more than enough funds to cover that payment. As i start to dispute their claim, their story changed and they said they have no record of me calling them on XX/XX/XXXX. 

I send them my call logs that came from XXXX  to show that i called to make the payment. 

Chase decided to stand by their decision to not change the late payment on my credit report.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX  still showing on credit report even though it is told old to be reported.
Consumer complaint received 2021-01-14
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. (FL)

Please investigate and remove these accounts and inquires. I made Identity theft report on these items because they are not mine. I have nothing in common with these items, I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-01-14
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. (FL)

Please investigate and remove these accounts and inquires. I made Identity theft report on these items because they are not mine. I have nothing in common with these items, I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-03-11
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. (FL)

These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I had a previous balance of {$300.00} on a XXXX XXXX credit card due by XX/XX/year>. I made the payment {$300.00} on XX/XX/year>. At that point my statement balance was paid off completely. I made other purchases and received my new bill on XX/XX/year>. On my new bill I was charged 23.24 % interest on {$570.00}. I am receiving an interest charge on a billing I have not had the chance to pay. I am also being charged interest on the {$300.00} that I already paid off. 

I believe that other banks and credit cards have tried to do this and lawsuits were filed. 
Namely XXXX and XXXX XXXX. I should not be charged interest on a bill I have not had the chance to pay. The due date for this current billing is XX/XX/year>. I didn't even see the bill until XX/XX/year>. This is the same thing as charging interest on a future billing. If this is the normal practice for Comenity bank, I think a lot of people have been taken advantage of. Most likely people who can't afford it. I think Comenity is due for an audit. Maybe a class action lawsuit should be filed. I understand that {$13.00} is not exactly a fortune but at a time when every XXXX counts and so many XXXX  citizens are being taken advantage of, this should not be overlooked. I reported this error to the credit card company at between XXXX and XXXX on XX/XX/year>. I know that the people responding to me don't have control and only say what they are told, but I told him to send my recording to his superiors and make sure that they know this is being reported.
Consumer complaint received 2023-01-27
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. (FL)

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 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 2021-01-14
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 like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  XXXX. Also filing a dispute for identified inquiries on my credit report as well for the following : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2024-03-20
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

On XXXX XXXX my house was burned down due to a fire. The firefighters had no control over the fire due to it being on fire for more than 20 minutes. The house was very small in the XXXX XXXX, NC near XXXX XXXX. I reported the disaster to the satellite company which was providing cable services at the time and sent in the fire report, XXXX XXXX report, and the MP report. I was told by the rep. that all was forgiving due to it being a natural/ unintended disaster. I have disputed this for the last 5 years because it is holding me back from buying a home, getting a car, or just applying from credit cards. Every time I dispute they refuse to remove it from my credit report. I.C. SYSTEM, INC has been charging {$280.00} for a situation that was handled in 2014. Please help!
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

The predatory lender, XXXX XXXX, extend me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I owe anything to levy, garnish or seize. They are now continuing their predatory assault against me by selling this debt to Portfolio Recovery Associates and having them report this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.
Consumer complaint received 2021-01-14
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. (OH)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I have an existing account with US Bank in XXXX XXXX, CA. On XX/XX/XXXX I received 2 electronic funds deposits totaling about {$32000.00} from an acquaintance. I withdrew {$3500.00} in cash on XX/XX/XXXX. Then on or about XX/XX/XXXX I requested a cashiers check in the amount of {$20000.00}. This request was refused and US Bank put my account in lock down and froze the balance in the account. I attempted on many occasions from XXXX thru XX/XX/XXXX to find out what the issue was and why this was done? I was told that the ONLY person that could answer my questions was XXXX from the US Bank fraud department. I called XXXX at least 10-15 times & left messages, her # is XXXX. Finally XXXX called me back, she was extremely rude and threatening and told me that the funds were being sent back and that she was waiting on the forms to send the money back. I became very frustrated and gave up on trying to recover these funds. I recently logged, XX/XX/XXXX into the account and was very surprised to see that I could log in and see that the funds were still in the account! I have never received any messages or anything in writing from US Bank. I was able to review the bank statement from XX/XX/XXXX and see the balance. I am now unemployed and my state unemployment has run out and I need this money! I am going to meet with the bank manager, Ms. XXXX XXXX to request that the funds be released to me and the account closed. The phone number to her branch is XXXX.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (SC)

I have a {$4000.00} electric collection for a house in Texas that we didnt live in. It was the house next to us. Also, I believe the any charges that were acquired, were after we had moved out of the neighboring property as well.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services (NY)

Consumer financial service duplicated my car loan. Then noted my car loan is past due and I cant remove it this company is trying to scam me out of {$1800.00} due to late fees but I have the lien removed from my car and a confirmation of loan discharge.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (FL)

Over the time Ive had the Upgrade card, the account has been closed multiple times for reasons unknown. Ive had the card on auto pay and havent missed a payment. This last instance is the reason Im reporting today. My auto pay came as per usual of {$96.00} with no issue on XX/XX/XXXX, on XX/XX/XXXX i received a notice stating my account was closed. I wasnt sure why so I called. I was told that although I make on time payments and monthly payment was received the day before they had to close the account. They explained they did a random credit check and was told I was delinquent on another credit card, so they closed this one so that I wouldnt go into debt with them. The two cards have absolutely no connection with one another and the information they were provided was incorrect. They told me they would keep me on auto pay because they want to make sure they get paid but I no longer will have access to the card. If I stopped paying they would report me delinquent. I believe this is an unfair practice especially when Ive made my payments on time and have not given them any issue since Ive had the card. Upgrade credit was to help build my credit but instead I feel like they arent helping me at all. My credit limit was also reduced due to these random credit checks, its really unfair.
Consumer complaint received 2021-01-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP (MO)

The predatory lender, Security Finance, extended me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I own anything to levy, garnish or seize. Yet they send me an actual check in the mail. All I had to do was sign and deposit it without any other documentation or even filling out an application. Such as terms and conditions, interest rate or fee disclosures. And now they are continuing their predatory assault against me by reporting this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Money is taken out then the bank charges me an overdraft fee, an unauthorized charges, my account gets locked and receives a new card but it still happens more frequently and Im just tired of it, however the overdraft fee doesnt go away! Is {$35.00} per draft when it wasnt my fault
Consumer complaint received 2023-06-22
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: Self Financial Inc. (NC)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.