davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (CA)

On or about XX/XX/XXXX, I was approved for a personal loan with Upstart Financial in the amount of {$7700.00}. The repayment term was 60 months, interest rate of 25 %, a loan processing fee of 10 %, and a monthly payment of {$220.00}. To date, I have paid approximately {$2100.00} towards my personal loan. However, I was checking my balance online and my account states I owe {$7800.00}, more than my original loan amount of {$7700.00}. 

After reviewing all of my payments made over the past 14 months, Upstart Financial has not applied any of the payments towards my principal. I contacted Upstart and talked to a manager to find out what's going on with my account since none of the {$2100.00} in payments were applied towards any part of my principal balance and now I actually owe more than my original loan amount. 

The manager advised me that their company charges the financial charge each day at the rate of 25 %. I was never informed by Upstart that the finance charge was going to be assessed each day on my balance. This type of lending is criminal and predatory. California and Federal law prohibit daily and compound interest by any lender. 
Charging my account daily interest ( without my knowledge ) is in direct violation of the Consumer Protection Laws and TILA. In XXXX, Governor XXXX passed a law placing a cap on interest rates, excessive fees, and requiring interest calculations to only be calculated as simple interest annually. 

Lenders are prohibited from charging any interest during a deferment and during any grace period. Upstart has charged my account significant and unwarranted interest and fees during these periods on my account. For the record, my payment due date is the XXXX of the month. For example, my XXXX payment was due on XX/XX/XXXX, and I have a 15 day grace period. The payment was made on XX/XX/XXXX and the entire payment was paid towards interest. I have contacted your company several times to change my due date to the XXXX of the month. I work for the State of California and only get paid once a month on the XXXX. Your company clearly stated in writing that I can utilize the 15 day grace period and there would not be any type of penalty. However, this was a lie and every payment made after XX/XX/XXXX, has only been applied towards interest. This is prohibited under the laws and need to be corrected immediately. 

Payments are required to be posted the date received and the lender is forbidden from charging and additional fees or interest, after the date payment is received. I had two prior loans with Upstart that I paid off. The payoff cashier 's checks were sent to the over night address and Upstart held onto the payments for over 2 weeks, while charging daily interest on my account.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (FL)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XXXX of this year I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

I paid my balance in full for the XX/XX/XXXXstatement. In XX/XX/XXXX, one purchase for {$710.00} is on 0 % no interest for 12 months. The rest of the balance is subject to regular insanely high interest. Nowhere on the XX/XX/XXXXstatement does it say what portion needs to be paid to avoid interest. I thought I had calculated it correctly, but I was still charged interest. When I called the company they kept me on hold for >10 minutes and then they disconnected the call. I shouldn't have to call back again to straighten this out.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RAB, INC. (NY)

I am the XXXX  of a XXXX that is in dispute of charges from a repair company. I was contacted by RAB ( Regional Adjustment Bureau ) and informed that they would be collecting the debt. I informed them that I was in dispute of the amount of the debt, but I agreed to pay part of the debt as full payment because I felt it was appropriate compensation for their efforts to repair our issues. I was then sent a letter stating that the debt was to be paid THAT DAY by ACH transfer OR Credit card. Fearing that the company may in some way be deceptive ( Based on internet information available to me ), I stated that any payments would be made by XXXX   check. They then made harassing telephone calls to me at my office ( on a recorded line ), then two calls to me harassing me on my cell phone. Then I received a text message stating " Should I call XXXX, XXXX or XXXX to get them to pay your debt ''. Those are my wife and children, not associated in any way with my business. 

I proceeded at that point to send an email with the following language : Harassing me in my office by telephone and harassing me on my cell phone are one thing, but sending me a text message threatening to harass my wife and children is unacceptable. I refuse to be on a phone call in which I am being yelled at and berated, hence the reason for my exiting the phone call ( all recorded ), but you have stepped way over the line. I will conclude any business with XXXX directly, ANY business between you and I is concluded. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 

I was contacted twice more that same day by this individual. I feel that this matter will not be resolved and this particular individual will stop at nothing to continue the harassment.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (SC)

I was not notified or contacted in person about the debt. Didnt even know I owed debt as XXXX paid all the money to school and I am paying that loan back. I did quit the school due to my daughter XXXX. So as far as I knew I had no debt because I did it owe the school at the time of unregistering.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-06-30
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. (MO)

After my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2019-06-30
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. (MO)

After my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2019-06-30
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. (MO)

There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.
Consumer complaint received 2019-06-30
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. (MO)

There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.
Consumer complaint received 2019-09-20
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: TRUSTMARK CORPORATION (AL)

XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX Trustmart National Bank : XX/XX/XXXX Trustmart National Bank XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-12-14
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. (OK)

It has come to my attention that pursuant to the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2021-04-19
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. (NY)

I've noticed some inquiries on my report that do not belong to me. I did not authorize them and believe these to be fraudulent. Please remove these from my report and add a security alert for my future protection. This is scary and I don't want it to happen again. I'm thankful that there attempt ended in failure.
Consumer complaint received 2019-06-30
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)

In support of CFPB Complaint ID XXXX. Kindly review attachments illustrate willful violation and or reckless disregard for Mr. XXXX SSCRA protected member protected rights relevant to an ongoing investigation. Furthermore, Experian since 2004 reported defamatory, libelous statements defaming my good name and reputation to date. Acting furtherance in adverse action or retaliatory and wanton conduct casting aspersions about SSCRA protected member are a gross fabrication to lenders, bankers, and potential employers. Experian violated 15 U.S.C. 1681n ( a ) " any person who willfully fails to comply with any requirements under this statue is liable to that consumer ( complainant ). 
See Harris vs Mexican Speciality Foods, Inc ; 564 F.3d1301.1306 ( 11th Cir.2009 )
Consumer complaint received 2019-09-20
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: DISCOVER BANK (AL)

XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are Discover Bank : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Discover Bank XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-30
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: CITIBANK, N.A. (IL)

Purchased tickets to go on vacation with my family using my Sears credit card which costed a total of {$2400.00}, then my wife got sick and was exempt from travel until she gets better ( have doctor 's note for travel exemption ) so we contacted the airlines but was unable to get full refund due to medical reasons, then we reached out to the credit card company where we explained to them that we never received a service in exchange of the money paid but they denied our request for a full refund.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

It's been brought to my attention that Experian has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2019-06-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) was included in the bankruptcy. I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's members. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and TranUnion ( $ XXXX/mo ) in order to investigate and dispute the matter. I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. However, to date ( XX/XX/XXXX ), my credit score still has not recovered. 

XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. TransUnion at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX reported to XXXX was XX/XX/XXXX. XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. TransUnion 's website is having technical difficulties so I was unable to retrieve a current report. My credit is damaged. 

I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. I dont know where to begin to attempt to figure out how high my credit score would be if XXXX had not committed this error. All I know is the XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

I contacted the one eight hundred number on bank account statement, at first I was told there no account in there bank then I was told that my account when, t dormant to the state of California, so I said to person on other end of phone that you can tell me my account went dormant to the state, so I tell him that he has to be looking at my account to be able to tell me it went dormant to the state.i giving a phone number to call on XXXX XXXX bank BBVA Compass bank talked to a lady Manger and she would look in to it and call me the next day, I never received a call back, I called California State Controller unclaimed property Division, Thay took my information to look through records for dormant account of BBVA Compass Bank there's nothing there, then I was asked about this account number and bank as I explained what the bank said I was told the ways it works, that if my account went dormant to the state that Thay would have sent a letter with the funds with my name on it legal.So I tried contacting Bank and told them that there is no money there and then, So finely thay came up with my account and ask my Mather 's maiden name as he opened the information and told me the account is XXXX and it when, t dormant in side of the bank and I need to go into a BBVA compass branch closes to me and to take my ID and my account would be reactivated with my money in it from XXXX to XXXX as of Friday XX/XX/XXXX at XXXX XXXX I walked in to BBVA compass branch on XXXX XXXX in XXXX CA hand them my I D at the teller 's window and thay didn't even know what I was talking about, so I gave her my account number and I was told that there is no account here, so I spoke to a manager and gave him the information I was given over the phone of BBVA compass customer services, with the name of the person I spoke with and his ext, number as he called an for one hour I sit there and then he ask to make a copy of my account statement and Driver license and SSN number, i have not received a call back, in XXXX XXXX I had close to {$10000.00} thousand in that account.and all entries from should be added to also I was in XXXX XXXX until XXXX.I explained to the bank of my were about, s
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Morgan & Associates, P.C. (TX)

I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.