davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020 ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020
Consumer complaint received 2017-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX 2016, it was informed to me that capital one ran a hard inquiry on my credit report. I however have NO knowledge of giving my consent for this company to pull my credit. I will like to see validation with my consent of me giving permission for this company to pull my credit.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (KY)

I have a credit card with Lane Bryant through Comenity bank. 
I paid my bill off in full on XX/XX/XXXX. My payment wasnt due until XX/XX/XXXX. But on XX/XX/XXXX they charged me a {$2.00} finance charge. I know its just {$2.00} but if they are doing it to me then they are doing it to other people as well and that adds up. 

I tried talking to them about it but they keep repeating themselves saying : Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/XXXX, this finance charge is valid. 

Per this change : '' We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date, we will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. '' I PAID MY BALANCE IN FULL WELL BEFORE THE DUE DATE. Im attaching a screenshot of my transactions since a XXXX. You will see that I was a few days late in XXXX so I doubled my payment to cover the minimum due plus the late fee of {$35.00}. After that all my payments were made before or a couple weeks before the due dates. I have never had a credit card company charge me finance charges on a zero balance, so this doesnt make any sense to me how this could be valid. My payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX.
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Due to the 15 plus years of computer hacking, Computer errors, with drawing funds out of my bank, trying to transfer money for my other credit card by Discovery Bank, I am now being treated for XXXX XXXX XXXX by the VA hospital. I have forgotten that Discovery took money out of my bank with out my authority almost causing me to bunch checks. And trying to transfer money with out my authority from my other credit cards. Telling me that the will have me jail if I do not pay them what they say. And now because I stop paying the illegal charges, over drawing, late fees transfer fees and others they are taking me to court.
Consumer complaint received 2022-08-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Consumer complaint received 2022-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

Navient took over my student loan from Salle Mae when Navient split from Salle Mae in XXXX. I was struggling to repay my student loans - we currently have two boys with learning XXXX in private school so they have access to the tools they need for education. I repeatedly tried to work with Navient to lower my student loan payments. I even would beg and plead with them over the phone that I would pay what I could every month - XXXX to XXXX dollars, but I always got the same response " we are sorry but we can not work with you. '' Every time they wanted me to file for a forbearance which I did multiple times, each time approved by Navient putting me further into debt. Each time my loan would come up to start for repayment I would explain my situation asking for smaller payments I could make and each time I was denied and would be told to file another forbearance. In XXXX Navient told me I would need to refinance in order to be able to continue with the forbearance process, not allowing me to pay what I could. It even got to the point where Navient customer service told me it would be better to miss payments because it could take up to 270 days before the loan would go into collection. I feel like I was totally taken advantage of. Navient steered me toward multiple forbearances instead of income-driven repayment plans while continued to struggle. I also believe that Navient was providing compensation that incentivizes its team to get borrowers off the phone as quickly as possible. I understand that there has been a settlement with Navient for private student loans, but they also deployed the same tactics here for my federal student loan. I am sure there are other borrowers out there in the same boat as me. How can a loan for an in-state University in XXXX cost over {$100000.00}? How can this happen to a student that at the time was XXXX XXXX XXXX in XXXX? I am pleading for help with this situation.
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

Wire transfer on XX/XX/2019 of XXXX. The international wire started at XXXX XXXX  and went to hsbc bank of XXXX NY. HSBC bank will not send the money to the recipient at the XXXX  XXXX XXXX XXXX XXXX. XXXX has tried to contact hsbc bank and do a trace and then recall with no luck or reply.. I keep getting told they can just keep my money and its out of XXXX hands. And if hsbc bank don't do the recall or reply they can just keep the money. I have been on the phone with XXXX everyday for since XX/XX/2019 with nothing. But I have been able to contact the hsbc bank that will not return the money .. Thanks
Consumer complaint received 2022-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc. (DE)

On XX/XX/XXXX, I financed a car with AFC Acceptance LLC, aka Credito Real located in XXXX XXXX Florida. The amount financed, after me paying a {$3000.00} down payment, was around {$18000.00}. From the start of my loan, I have made XXXX payments. XXXX of the payments were double payments. There was also XXXX hardship deferments. The amount that I paid on my loan was {$18000.00} On XX/XX/XXXX, I contacted Credito Real to make a settlement and close out my loan. In my request, I offered a lump sum amount to pay and asked for a copy of my file to show my payments and what the balance due was on the account. Credito Real did not meet that request. Instead they emailed me to tell me to make a payment to bring the payment into right standing. I conta XXXX them XXXX more times regarding this via email. Each time, I received the same response. 

On the evening of XX/XX/XXXX, I called the Escalations and Recovery department. The representative told me that my balance due on the account is {$18000.00}. There is a huge discrepancy in my calculations of what I owe and what the remaining balance is showing with Credito Real. I believe the company has overcharged me and has added in extra interest, in addition to not entering in my payments.
Consumer complaint received 2021-03-09
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)

Upon checking my credit report, I notice an account from XXXX XXXX XXXX XXXX XXXXF XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-12-15
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (TX)

This company reported to my credit bureau. They do not have an accurate social security for me on their file during the time of reporting nor do they have accurate filing tactics. Code 15 usc 1681c-2 is being applied to this complaint. Ive noticed a mark on my credit report from this particular agency and it took 90 points off of my credit and I would like this removed. Im attaching document that s
Consumer complaint received 2023-04-04
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. (OR)

FCRA, ECO. 
11years perfect payment history. My utilization was just below half. Tansunion clamed i had multiple department store cards with high limits. LIE. i had 4. And 2 of them are 35 % utilization btw under. And with there letter request to lower my cc limit to two of my retail cards to the balance had that then shot my utilization for those 2 card to 99 %. Is a complete mis representation of me, transunion MADE IT True by sending that request. Transunion clams they are following FCRA / ECO. But they dismissed my flawless payment history with that company that had opend 3 years ago.and they ajard my utilization score to make there letter read true. 
On XX/XX/XXXX at XXXX i received a email XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit. On the XXXX according to transunion XX/XX/XXXX they had made efforst to make changes to my cc limit they also claimed because i didnt own a house. For collateral. I was hung up on 2 times when i proved that they fabricated lies and made a amind amount to the show supper high utilization scores. Like they had claimed.
Consumer complaint received 2022-10-06
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

My identity was stolen to open Utility accounts in XXXX TX at addresses I do not recognize. 

XX/XX/2023 - I received mail about collections accounts that were open fraudulently XX/XX/XXXX XXXX called Online Information Services XXXX report the fraud. 
XX/XX/XXXX XXXX called again, but they said that there is nothing they can do, that I have to prove my case. They said that it will not be removed from my credit report until I pay it. They asked me to return forms that would provide them all of my personal information which I do not wish to share with them. I reserve the right to protect my personal information from creditors I have never heard of. 

Debt Collector : Online Information Services, reference number : XXXX and XXXX Creditor : XXXX XXXX XXXX, amounts {$250.00} and XXXX XXXX {$130.00}
Consumer complaint received 2023-03-27
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. (HI)

I have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2019 I purchased a storage shed for approximately {$2300.00} from XXXX using my credit card. After 5 days the contractor left a voicemail asking me to call so we could set up an installation date. I left voice messages for them for 5 days and no one returned my call so I called XXXX who also tried to reach the contractor but to no avail. That's when I decided to dispute the transaction on XX/XX/XXXX. Then I immediately received a call from the contractor apologizing and offering incentives to continue with the contract and an installation date was set. So I called the credit card company and rescinded the dispute. About a week later, the contractor called and said my contract was cancelled so I explained what happened and he said he could fix it and the installation was still on schedule. However, they never showed up and have not returned my calls. XXXX says they issued a refund on XX/XX/XXXX but I never received it. On XX/XX/XXXX, I requested that my dispute be re-opened. On XX/XX/XXXX I requested an update on my dispute. On XX/XX/XXXX the bank sent a letter saying the dispute was closed and the charge was valid. please see attached for more details.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-15
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. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX ****XXXX never late XXXX XXXX ****5445 inaccurate COLLECTIONS XXXX XXXX XXXX ****XXXX not mine
Consumer complaint received 2019-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I contacted Navient by phone on XX/XX/XXXX to switch the bank account from which my automatic payment is deducted. The company informed me that the only way to do this is to cancel autopay from the old account and then re-enroll with a new account -- their system would not allow a customer to simply substitute a different account. The customer service representative informed me that I would not lose the 0.25 % interest rate reduction that comes with auto pay if I cancelled and renrolled. I then canceled the old account and immediately re-enrolled in autopay with the new account. I did this 21 days before my next payment was scheduled to be deducted. 

On XX/XX/XXXX, I viewed my online account and Iwas still not re-enrolled in auto pay for that month 's payment, which was scheduled for XX/XX/XXXX. In fact, my online account showed that I would not be in autopay until the following month 's payment on XX/XX/XXXX - seven weeks after I simply tried to switch the bank account from which my auto payment would be deducted. In addition, Navient removed the 0.25 % interest rate reduction from my account so I am now being charged a higher interest rate and there is nothing I can do about it ( see the attached billing statements showing the increase from 4.5 % to 4.75 % ). I called Navient and asked the company immediately make sure I was in auto payment and to give me the interest rate reduction that comes with auto payment, but they refused. The company said they would reduce the interest rate when I was fully back in auto pay, but that could take another 5-7 business days - which would be over two weeks since I simply attempted to change the bank account my auto pay comes out of. It is unfair to charge me the extra 0.25 % interest for this period. Presumably this is happening across Navient 's servicing portfolio, and the company is earning this inflated interest rate on any customer who wants to switch bank accounts.
Consumer complaint received 2019-10-15
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX {$94.00} not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX {$280.00} not mine
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AZ)

My father has a Sam 's Club Synchrony Bank credit card. He passed away on XX/XX/19, and I am the executor of his estate. I called them and closed the account on XX/XX/19. My dad owed a balance of about {$1000.00} and had some money in rewards. They wouldn't just let me use the rewards to pay the balance and said I could " short pay '' the bill and then I could call back to place the rewards against the bill. This sounded to me like I would end up owing finance charges because they didn't seem like they would be quick about it because they told me it would take one to two billing cycles for it to happen. I paid the bill in full and told them I would want a refund check sent to my dad 's estate. They said that could happen. I called back a week or so later to be told that they weren't going to issue me the refund check because rewards just disappear when someone dies. I told them I didn't think that was correct, and I would fight them every step of the way. They escalated the call, and I was told a refund check would be sent, again another one to two billing cycles. It is now XXXX, and I received a bill from them showing a negative balance of {$62.00}. I called again today ( XX/XX/19 ) to ask where the check was. I was told just now that they would have to put in a request for a check, and it would take 4-6 weeks. Seriously, this is ridiculous. I have called at least 5 times. They owe my dad 's estate. I want the money. Can you please help me with this?