davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation (GA)

I called and spoke with Regional Finance on XX/XX/2023. I asked the young lady the requirements and she stated you need to be employed and have at least a XXXX credit score. She never mentioned that I could not be receiving employment pay under a staffing company. She simply stated you have to be employed and have at least a XXXX credit score ( again I repeated back to her and she say yes thats all you need ) I am currently working for XXXX XXXX XXXX and currently XXXX is using this staffing company to assist with payroll and Human Resource concern. I even mentioned I can have my operational manager send over a letter or my original offer letter showing I work for XXXX. Regional Finance located in XXXX, GA refused to accept my pay documents from XXXX XXXX. All of my documents are legit and verifiable and they still refused to accept documents after my credit was pulled. Regional Finance was not transparent and upfront about not accepting pay documents from a staffing company. I checked Regional Finance website and requirements and it does not state any where in the website they dont accept staffing payroll documentation. This is a violation, and very much so discriminatory and unethical. I provided the documents required to Regional Finance. The even pulled my credit report and now I have an inquiry that shouldnt be there. The branch manager suggested that I dispute it and she would have it removed. Clear requirements need to be listed on their website and provided when calling. I am very disappointed it was a slap in my face when I clearly asked upfront before providing my information to the young lady.
Consumer complaint received 2021-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

During the time period about May 1-5, 2021, Transunion received, approved for posting, and did post a large number of derogatory credit reports from an outfit that styles itself XXXX XXXX XXXX XXXX XXXX XXXX, including a derogatory posting to my credit report. On information and belief, this data dump is comprised entirely of fraudulent postings and/or illegal debt parking of transactions that are barred by the Fair Credit Reporting Act from collections. 

Transunion was twice informed in my particular case that the posting was erroneous, and Transunion affirmatively declined to take mitigating action. 
An XXXX search reveals hundreds of other identical complaints in the same time frame. 

It may be significant that other credit reporting agencies did not post reports from XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX claims an office address XXXX California XXXX XXXX, XXXX CA XXXX. This appears to be a mail drop. A business entity search with the California Department of State indicates XXXX XXXX XXXX XXXX XXXX does not operate lawfully in California as a domestic or foreign corporation, nor has California statute regarding registered agent for service been obeyed. Similarly, XXXX XXXX XXXX is not authorized to undertake collections activity in the state of my residence, Maryland. 

I believe that the overarching purpose of these activities is to effect a conspiracy of extortion, wire fraud, and deriving from those felonies, racketeering in violation of federal and state laws. 

It is believed that the stealth described herein is in furtherance of racketeering activity by Transunion and " XXXX XXXX XXXX XXXX. ''
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX I applied for a Lowes Credit Card online via Synchrony Financial. On XX/XX/XXXX and XX/XX/XXXX I made several purchases. On XX/XX/XXXX I was apparently charged a Card Security Fee of {$24.00}. 

I noticed this card security fee on XX/XX/XXXX when I setup my online account. I immediately requested this be cancelled and refunded using their live chat system. They processed it but are asking me to wait 2 billing cycles for these changes to reflect. 

It is unfair that I have to pay up front for something that I did not sign-up for. It was my responsibility to get it corrected. And, it is still my responsibility to keep following up to ensure that everything is refunded to me. If I choose not to use the card, it may take up to 6mo for my money to be returned to me in a check. 

I am lucky that I noticed this immediately. A less savvy user could easily end up paying $ 100s of dollars to these crooks annually. This is definitely an overreach that needs to be investigated.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I HAVE BEEN A CLIENT OF CHASE FOR 20 YEARS THIS CARD HAD NO LATE PAYMENTS FOR 20 YEARS AND WAS PAID ON TIME. 

CHASE OFFERED ME TO ADD AUTHORIZED USERS TO THE ACCOUNT. I CALLED THEM AND ASKED HOW MANY USERS I CAN HAVE ON THE ACCOUNT AND THEY SAID IT WAS UNLIMITED. I THEN PROCEEDED TO ADD USERS. MY NEICES AND NEPHEWS IN ORDER TO GIVE THEM THE GIFT OF CREDIT AND ALSO MAKE THE BEST USE OF MY EXCELLENT CREDIT HISTORY. MY CARD IS THEN CUT OF AS I WASNT CONTACTED AT ALL ABOUT THIS. THEN ALL OF THE CARDS WERE TURNED OFF. THERE WAS NO FRAUD, NO UNAUTHORIZED PURCHASES ... NOTHING BUT ME BEING A GREAT CUSTOMER AND THEM TAKING ADVANTAGE OF ME AND TURNING OFF MY ACCOUNT AND CLOSING IT. 

THEY WERE THE ONES THAT ALWAYS SAID CAN WE ADD ANY AUTHORIZED USERS AND WHEN I DO ITS CLOSED. THIS IS WRONG FOR A XXXX YEAR OLD GRANDMOTHER TO LIVE HER LIFE RIGHT AND TAKE CARE OF FINANCES AND THEN THIS HAPPENS I WAS TAKEN ADVANTAGE OF BY A CARD COMPANY I WAS FAITHFUL TO.
Consumer complaint received 2019-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AL)

XX/XX/2019 PHH Mortgage ( Ocwen Loan Servicing ) ( XXXX XXXX ) attorneys XXXX and XXXX sent me a default notice on post petition payments for XX/XX/2019 through XX/XX/2019 in the amounts of {$380.00} each. With {$150.00} in suspense. Total default {$1300.00}. I have payment history print out from the company 's web site that say different. I requested a MODIFICATION to stop any further action considering my chapter XXXX case will be paid in full in 4 months.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc. (NY)

I am coming off a lease with Chrysler for my XXXX XXXX XXXX. I decided to buy it and was referred to this company Santander who apparently handles the buyout. I filled out some paperwork and got a pre approval. They sent out additional paperwork which I filled out and returned. They told me there was some additional underwriting. I didnt hear from them so I shopped out another rate from a local bank and got a much better deal. So I sent them a termination email early this morning XX/XX/XXXX @ XXXX explaining that I wanted out of their loan. At XXXX this morning, I received an email that my loan has been funded. I called the loan XXXX and she told that I can't get out of it now. I asked her why it took so long to hear back from her and that my application was still in underwriting and that I didnt commit to anything at this time. She apologized and said she was out of the office and couldnt back to me on a timely basis. I then called the XXXX customer service number provided on their approval email and was put on hold for XXXX minutes just to have a recording come on and say that everybody was in a meeting and to call back. What a scam! I am furious! I want the loan from local bank! i
Consumer complaint received 2024-03-06
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following 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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-12
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. (TN)

XX/XX/2022 In accordance to the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A -section 2 states a consumer reporting agency can not furnish an account without my written permission. 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I made an over payment to my credit card of {$550.00}. The credit card already had a credit on it. I owed no money. According to BOA policy a customers overpaynent is entitled to a refund being transferred back to the originating account ( checking account ). I requested this refund on XX/XX/XXXX. The Rep said it would happen in one to two days. On the third day I called looking for my money, This rep said it would take 5 to 7 days for refund. On XX/XX/XXXX I called again looking for my refund. This rep said it would take 7 to 10 business days. I just called today XX/XX/XXXX again to find my refund. This rep could give no answers for delay. She did discover that my first request was deleted, a second one was opened on XX/XX/XXXX and a third request was posted on XX/XX/XXXX. So every call deleted the initial request and started a new one with another 10 day delay. So I am now waiting anther 10 business days ( two weeks ) to be refunded my money. A suspicious person would think BOA has a cash flow problem or they just never refund customers their money. 
I have been a BOA customer for 53 years and they really don't care.
Consumer complaint received 2016-03-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Consumer complaint received 2023-02-10
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. (CA)

It is EQUIFAX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 3 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-01-10
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. (GA)

XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update the account.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (PA)

On or about XX/XX/XXXX I contacted GM Financial to seek a lower monthly payment. The customer rep I spoke with put me on hold after looking over my account and told me that she would be asking her supervisor about a rewrite for my loan. She explained it to me and rotated my account and said she would forward this for review for approval. When a few days went by I called GM back and explained the situation and that no one had called me back concerning the rewrite I was pushed through to XXXX XXXX and he informed me that I was approved for the rewrite and after I made a payment for XXXX that was late my account would be current and the paperwork for the rewrite would be emailed to me and I would then have to sign and mail them back. XXXX went over the terms and payment amount which were great and I was very happy : 8 % interest monthly payment of {$400.00} and term of 12  months added to my current loan. I said I would take it as it lowered my payment {$160.00} dollars. My husband and I have been struggling with the payment over the years due to his layoffs. I had looked into refinancing but nothing worked out. On XX/XX/2018 I got a call back from XXXX whom I had to call the day before to ask where the papers .I need to sign were since they were not emailed to me ... he told me that now I am denied the rewrite. GM is denying all rewrites until further notice. How can they go back on their word? This information was documented that I was approved. They lied and were deceiving to me and my husband and gave false information I doubt they were going to even do the rewrite at all. I was a month behind on loan payment and called them seeking a solution to high payment due to hardship not wanting to voluntarily have car repossessed as last resort and they gave me hope made me believe that I would get paperwork to sign and have to send back before XXXX payment was due so that I would get the lower payment to start for next payment. I was waiting to do all that prepared to pay for documents to mail back to them quicker only to have been lied to. I'm stuck now with not knowing what else I could do.
Consumer complaint received 2022-01-10
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. (TX)

XXXX XXXXXXXX is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXXXXXX ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As of XX/XX/2024 there is inaccurate reporting information on my XXXX, Transunion, and XXXX credit report. My name is incorrect and missing generation identifiers. The law prohibits the reporting of inaccurate information reporting and must be removed, not updated by law. There are several accounts across my credit reports with variations of a name similar to mine but not me. These accounts need to be removed by law.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (TX)

On XX/XX/2023 I made a complaint and requested specific detailed information such as the wet signature contract and methods of payment to prove that this is not my debt and I still HAVE NOT RECEIVED them. 
I have reached out to this company several times to let them know that these accounts are the result of identity theft. My request have continued to be ignored over 8 months now.The documents that were attached to this complaint by them prove that these accounts are fraudulent. My name is incorrect as well as the address, there is no wet signature or any form of evidence proving this belongs to me besides the fact that someone used my personal information. If this company has done a thorough investigation as they say they have then please provide that evidence because right now I dont see anything legitimate that makes this debt mine. I have never had an account with XXXX.I demand that these accounts be closed and disassociated from my name and removed from my credit reports or I will be forced to take a more serious legal action Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is sharing my no public personal information with nonaffiliated third parties XXXX, XXXX and XXXX. Capital One does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, they withheld my nights to being able to opt out of sharing, they are reporting private information to the consumer reporting agencies and they are in violation of multiple federal laws
Consumer complaint received 2022-10-06
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.