davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Pacific Credit Company, LLC (VA)

I contacted Federal Pacific Credit Company to validate the debt they said I owe as I do not have a contract with them I also asked for the following as well : A copy of purchase agreement between XXXX XXXX and Federal Pacific Credit company. With XXXX XXXX giving all rights to this debt including the right to receive payment and charge interest to Federal Pacific Credit Company. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

On XX/XX/2017 I was sent a response of a retail installment sales contract with a dealership and not the original creditor they say I owe to validate this debt and along with a letter from them addressed as a lawyer with a payoff agreement. My complaint with Federal Pacific Credit company is as follows : - They have not provided me with any of the above information requested - They have put new collection balances on my credit report every month, as if I am somehow in a monthly agreement with them. 
- They are not licensed or permitted in my state allowing them to collect finance charges as a financial institution.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXX -Date of XXXX : XX/XX/XXXX XXXX XXXXXXXX -Date of XXXX XXXX XX/XX/XXXX XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  XXXX -Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction
Consumer complaint received 2022-06-13
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. (LA)

XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP (MI)

XXXX XXXX, US Bank stole {$20000.00} of inventory from my business. XXXX XXXX, US Bank overcharged my business {$15000.00} in closing fees.
Consumer complaint received 2023-04-10
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. (GA)

Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2022-10-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (AZ)

3 separate phone calls and documents sent to company explination below. 
Letter I wrote First Progressive : XXXX  XXXX XXXX XXXX XXXX, TN XXXX I am writing to request a review of a dispute filed XX/XX/XXXX. Case No XXXX was for a dispute in the amount of [ {$340.00} ] dated XX/XX/XXXX on my account. The amount was found to be accurate because letter dated XX/XX/XXXX, ( No billing error occurred ) and I am responsible for the disputed fraudulent charges. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
A credit was issued and then re-charged on my account. Even after I had called to reopen the disputed charges. Under the FCBA I can only be charged XXXX. I am in no way okay with saying due to a family relationship it is okay to call these valid charges. If in-fact you want to arbitrate this matter I am absolutely willing to do this. I have also filed a complaint with the federal Trade Commission as I informed the Dispute department I was going to since the ruling was not favorable for the theft on my account. 
Enclosed is a copy of the police report filed which had also been faxed to XXXX on XX/XX/XXXX as requested on XX/XX/XXXX when I called to ask the file be reopened. I spoke with a XXXX in Fraud/disputes who could not give me an employee ID number or any other information on her position. 
Today when I waited 1hour and 30 minutes for the dispute department to pick up I finally hung up and called back to customer service and got a supervisor XXXX who was able to connect me to disputes right away. XXXX in Disputes was told all of this and then came back on the line and said due to the perpetrator being related I am responsible. I believe it was my daughter who is XXXX years old who committed this act. I do not believe the credit act allows for people to be charged solely because of relationship. 
Copies of my original signed disputed transaction form signed XX/XX/XXXX, for total amount listed above to supporting my position. I also included some of the other proofs of theft on my other bank cards for your review. Please investigate this matter and correct the error as soon as possible. 
Police report # XXXX XXXX XXXX XXXX XXXX  disputed forms-amounts and case No. XXXX and XXXX ]
Consumer complaint received 2017-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

On XXXX XXXX, 2017 went to the bank Navy Federal Credit Union, to withdraw {$20000.00} dollars, for family support, was advised by the teller, the account was restricted. Spoke with asst mgr, XXXX XXXX, ( no help at all ) who stated the security dept has placed a restriction on the account to do an investigation for fraud. Advised no fraud on account, spoke with XXXX the manager who I gave the names of the persons who wired the monies. As of today, the account is still restricted ( 23 days ) no notification given by the security dept other than I would be notified when the issue was resolved. Is this a good explanation for you, not for me. This continues to this day I have been hung up on via telephone by supervisors, provided no information concerning the investigation. I am unable to pay my bills, there are about {$500.00} overdraft fees accrued on the account, due to not being able to move money. I have written to the President of the Credit Union, and received no response back. Please help
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Went at the Branch XXXX BANK, XXXX XXXX XXXX XXXX Ca. 
Order foreign currency XXXX on XXXX XXXX They said they will call me went they have this money. I already paid XXXX for the exchange. Yesterday XXXX XXXX went at this bank ( the Director who did the transaction was on lunch time that mean she didn't come talk to me about this situation ) them I ask went the money will be there and no one can't tell me when the money will be at the bank. Call service XXXX BANK they don't care this situation. Call fraud service XXXX BANK again they don't care about this. Now, call the Branch a XXXX. No one answer the phone you can't leave any messages and talk with someone. Today XXXX XXXX they call me let me know my money was there???????? 

Why the bank take a week give me my money? This is fraud...
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are several accounts being reported on my credit report. I do not know any of theses companies. I have never done business with any of them. These collection companies do not have a contact with my sigature.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

i have credit card applications from XXXX, XXXXXXXX XXXX, and XXXX XXXX  and not sure how many more on my credit report that are not mine
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I am a XXXX XXXX in a low income, XXXX XXXX XXXX. This is my 22nd year of XXXX, and I still owe a tremendous amount on my student loan. My qualifying employment begin date was XX/XX/XXXX. In XX/XX/XXXX I went on what I was told was a repayment plan that would qualify for Public Service Loan Forgiveness. I've been working now for four years under that assumption. I contacted my provider and was told that I have NOT been using one of the correct plans, and there could be no resolution of the problem. My retirement date should be XX/XX/XXXX and I will definitely have been making the XXXX monthly payments on time as I do and have done every month. I was told that my loan balance would be forgiven in XX/XX/XXXX, and now everything is a mess because they say that I CHOSE the incorrect plan. Please help me. I am XXXX years old, and I don't think I should have to start my 10 years of repayments over again. I am convinced that I signed up for the correct repayment plan.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Please delete the following fraud alerts from my credit Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2022-01-12
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. (TX)

There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several
Consumer complaint received 2021-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Student Loans have been XXXX by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of XXXX loans, and be able to update credit files expeditiously. I have submitted all XXXX bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX CREDIT REPORT TRANS UNION, XXXX AND XXXX. Before I had this to my currently lawsuit against XXXX of you all.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AZ)

XXXX is reporting these Affirm account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. XXXX has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to XXXX regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian is reporting these XXXX account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. EXPERIAN has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to Experian regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (OH)

End of promotional period not communicated clearly and frequently on monthly payment reminder EMAILS. 

Purchases XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX/Commenity Card - same as cash promo. 

Commenity pushed to switch to paperless billing at the onset of the payments, which in turn sends out a summary email each month that it's time to pay. with my balance and min payment due. There is NO CALL OUT WHEN INTEREST FREE PROMO PERIOD is ending which is deceptive as you are now relying on them to summarize what you owe off the emails. They train you not to look at your statements with an easy to click Make a PAYMENT BUTTON. 

In smaller print ( if you scroll down on the email ) which I just noticed today. It says be sure to check when your promo period is ending to avoid interest. 

I had a surprise interest charge on my XX/XX/XXXX statement, over $ XXXX in interest. Had to dig through the prior statement on XX/XX/XXXX that the promo period was ending. This disclaimer to my suprise was called out in red, yet they did not call it out in RED on the SUMMARY EMAIL they sent to collect my payment. They need to provide more transparency vs. check your statements in smaller print out of sight lower on the screen. 

I have paid off the principal balance when I discovered this last night. The interest is left to pay. I am within the 30 day dispute period on my latest statement and have talked to 3 managers at Commenity today. Have asked them to continue to escalate until I can get resolved. They have stated they are following their policy and will not remove the interest charge. It was not communicated clearly and frequently in their topline email WHEN the promo period was expiring. Feel they could have been more transparent here so I clearly knew this each month vs. having to dig thru statements which they trained me away from.
Consumer complaint received 2020-01-30
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. (AZ)

Reviewed my credit report in XX/XX/XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XX/XX/XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XX/XX/XXXX certified mail so I have proof that they signed for my letter.

Last week I received two letters from Equifax dated XX/XX/XXXX on the same day. The said that they could not locate my credit file and needed me to send proof of identification and address. With all three letters I sent a copy of my Arizona drivers license and my XXXX direct deposit sub as my proof of address. The second letter said that they received my request to be removed from the promotions list and that it was added to my credit file. How did they find my file to add the restriction if they couldnt find my credit file in regards to investigation purposes?
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On my Experian credit report it is showing a delinquent 30 days late payment for my XXXX with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that Experian is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I placed a security freeze with Experian some years ago. 

When I tried to remove the freeze I ran into brick walls online and on the phone. 

There appears to be no way for me to contact Experian and fix this issue.