davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX The Account is reporting late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX  Please delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and thank you
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (TX)

I am an XXXX XXXX XXXX in the XXXX and I was XXXX XXXX XXXX XXXX of 35.948 % or one loan and 34.025 % on another loan for a 24 month time period.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (CA)

I received a debt validation letter from Zwicker & associates on XX/XX/2022 with a date on it XX/XX/2022. I called them on same day XX/XX/2022 telling them I am responding to the letter and they tried to collect on the debt before the 30 days and threaten for litigation if I did not comply. I was contacted again on XX/XX/2022 @ XXXX. I returned the call and stated if they sent anything out in response to my debt validation letter. They stated the sent out on XX/XX/2022, I have not received anything in the mail for Zwicker & associate. I stated to the debt collector that I haven't received anything in the mail and they emediately became agressive, I stated I sent my response by certified mail that they obviously received the response and the debt collector at Zwicker & associates denied it and threaten for litigation and stated my account was in review for litigation, that he will forward the account to an attorney at Zwicker & associates. It's been 30 days and they did not respond to my request. I feel harassed and extorted for payment without proof of debt ownership. They also stated both times I was contacted by 2 different debt collectors at Zwicker & associates that they were hired to collect debt on behalf of original creditor, a creditor that charge-off the account as bad debt and is on my credit report as a charge-off bad debt. I need proof of contract with the original creditor. If Zwicker & associates can not provide requested information on my response letter then they need to stop trying to collect debt they aren't legally able too.
Consumer complaint received 2023-09-20
Product: Credit reporting 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. (IL)

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional  compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
XXXX XXXX XXXX, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or XXXX XXXX XXXX and sought recovery through insurance once the claim was accepted. 
We spoke with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by XXXX XXXX XXXX in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (NV)

I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (KS)

Consumer Portfolio Services denied my request for the Service Members Act, saying that I would have needed to apply this XXXX, and since my loan was in XX/XX/XXXX, they said that we don't qualify. However I will be out if country longer than XXXX, and the car isn't going. They want me to continue paying for the interest rates I can not access for XXXX years. I asked for a superior and was told one would wall back in. That was last week still no call. I then contacted a military attorney he said ; ( XXXX ) Sorry to hear. If Consumer Portfolio Services denies your request for SCRA relief based on the timing of the loan, they may be ( XXXX ) misinterpreting the law. The SCRA applies to loans that were entered into before military service, as well as loans that were entered into during ( XXXX ) military service. 

( XXXX ) eligible for SCRA protections. 
In the meantime, you may consider contacting Consumer Portfolio Services again to see if they can offer additional assistance. ( XXXX ) with your car loan. They may be able to work with you to find a more affordable payment plan or explore other options for reducing your interest rate. 

However, the same paperwork was submitted to my second finance company and was approved to start the day im set to be in XXXX, XXXX.
Consumer complaint received 2020-09-24
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. (MS)

XXXX  and Experian are fraudulent on my accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX
Consumer complaint received 2022-08-17
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. (MI)

The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Ashley Furniture/Syncrony Bank XXXX initial purchase with deferred interest. XXXX ordered online Reported this last year as fraud, still hasn't been taken off the account. The account with Syncrony is closed, last four digits of card with fraudulent charge is XXXX. 

Total statement balance now since they won't remove it is XXXX and i've sent it again to their fraud department to have removed and no response.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

COMENITYBANK/VICTORIA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYBANK/VICTORIA customer service representative XXXX 


I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (MN)

I started my accounts with XXXX XXXX XXXX XXXX  in XXXX and had checking, saving, credit card, and the Line Of Credit ( LOC ) accounts. 
My LOC had a limit of {$40000.00} with interest rate of XXXX XXXX XXXX 
In XX/XX/XXXX I received a notice from US Bank increasing my LOC interest to Prime + 2.99 %. On XX/XX/XXXX again I received another notice that they intend to increase my interest rate to Prime + 8.74 % effective XXXX 
After my call on XXXX  using my Opt Out option US Bank confirmed on XX/XX/XXXX that my LOC was cancelled and the interest rate would stay the same until my LOC balance of about {$29000.00} is paid off. 
Since then I have paid my minimum payments as direct withdraw from my account and my recent LOC balance is about {$5000.00} and the interest charged is 11.49 %. Withdraws from my US Bank and later XXXX XXXX accounts have been executed few days before due date and never been late or defaulted. In spite of my credit rating of XXXX, US Bank ( during Covid19 period ) without proper notice cancelled my credit card and checking account, and later I closed my US Bank saving account and had the payments made directly from my XXXX XXXX account. 
Thank you in advance for your consideration and help.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am submitting a dispute here because I was unable to file a dispute online with Equifax and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several XXXX violations being reported to each credit bureau. All violations are labeled for review.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (TX)

Complaint is against XXXX XXXX Card.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

note : Today XX/XX/2019 is the 4th business day since card.com concluded its investigation and I have not received written description of their investigation required by law. 

On XX/XX/2019 My former Electrical provider XXXX XXXX charge my Visa debt card {$620.00} without my authorization and without giving written notice. I had discontinued service with XXXX XXXX on XX/XX/2019. 
I contacted XXXX XXXX with in minutes of the charge but it was made on Sunday and on XX/XX/XXXX weekend so no one would be in until Tuesday XX/XX/XXXX. I left voicemails and sent emails with XXXX to call me. 
On Monday XX/XX/2019 the pending charge posted. I didn't want to wait until Tuesday to notice my Financial Institution Card.com of the Unauthorized EFT so I filed a dispute on XX/XX/XXXX by phone and in writing informing my financial institution Card.com I did not authorize the charge of {$620.00} and further more never gave XXXX authorization to charge my card period. To pay my bill I had to register my card but I always choose the one time payment option. 
I called my financial institution Card.com on XXXX a day after 10 business days to preform investigation or provide preliminary credit while investigation continues. I was told that the Investigation had be concluded and no errors were found. I disagreed and thoughout the day spoke with a supervisor and manager but they refused to allow me to talk to anybody else and I wasn't satisfied with who I spoke with because not one person was even aware of Regulation E or EFTA. I am now following proceedure and filing a complaint against my financial institution Card.com for possible violations of U.S. Code title 15. Chapter 41. subchapter 6.

1693D., 1693C.,1693F. ( d, e, f, ) and 1693G. ( b ) I have filled a previous  complaint against Card.com in XXXX because they had not found errors investigating a dispute that was actually filed initially by their own fraud department. On XX/XX/XXXX they credited my account but did not not provide any reason why and therefore admitted no wrong doing. 
In conclusion with-in a 30 calendar day period Card.com 's error resolutions department has found no error on disputes that clearly have error 's and on the first they reversed the decision. I believe if this is happening to me Card.com is most like likely doing it to thousands of thier other customers and an investigation should be done on the entire error resolutions department. 
I will be filling additional complaints against XXXX XXXX XXXX XXXX XXXX whom issued Card.com cards and Visa who's license is used.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

To Whom it May Concern : This is a complaint against XXXX and their debt collecting agency Afni. 

On XX/XX/XXXX my family switched from XXXX to XXXX by going to the XXXX store in XXXX XXXX, CA. I got a new phone from XXXX as well. My family stayed 2 days on XXXX and realizing that this company doesn't work for us, we switched back to XX/XX/XXXX. I returned the phone and canceled my service. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX informing me that Afni on behalf of XXXX is collecting " my debt '' ( {$510.00} ) for the phone that supposedly I never returned. The letter also stated that in case I don't dispute it in 30 days from the date of the notice, it will negatively impact my credit. 

I called Afni and was instructed to email them the proof that the phone was returned. The only proof I had was a statement from my bank which showed a refund for XXXX equipment on XX/XX/XXXX. I emailed this proof on XX/XX/XXXX. I received no reply. On XX/XX/XXXX I called Afni and the representative told me that my email was not received. We double checked to make sure the email address was correct and it was. I resent the email with the bank account proof on XX/XX/XXXX. Still no reply. Today is XX/XX/XXXX - in two days thirty days from the initial date of the notice will expire and Afni will contact credit agency to lower my credit. 

So here is the question : In your practice, how many times do emails get lost? And if they do, don't you receive a notification that the email was not delivered? Afni doesn't want to believe that I returned the phone, treating me as a thief from the start. At the same time, they can't find 3 of my emails with my bank account proof demonstrating that the phone was returned. If things so easily get lost in XX/XX/XXXX/Afni world, could the same thing happen to the phone that I returned?
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Account # XXXX with XXXX XXXX are fraudulent charges and I never signed contract and they do not have a right to collect. They have no proof or validation of me signing contracts or any medical waivers by letting them under the HIPAA act as well. They keep reporting to the credit bureaus that I owe which in fact I do not owe and should not be on my credit report. This account is fraud and any one reports this is also committing fraud as well. I request this account to be reinvestigated and it was not. I have talked to attorneys and now this has become a big law suite . Please remove this account permanently or you will have have a law suit. I will also file a complaint with the US attorneys and State attorneys office. I will also file a compliant with Senator XXXX XXXX XXXX office as well Congressman XXXX XXXX XXXX. Attorney that I might go with if this is not removed permanently XXXX XXXX XXXX XXXX XXXX?
Consumer complaint received 2022-08-17
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

On XX/XX/2022 I reported fraud on my banking accounts to USAA. They determined that I had had an account takeover which affected at least three checking accounts. I went through each account with the representative to identify the fraudulent activity which totaled over {$10000.00}. The representative said they were sending it to the fraud department and advised us to change all account usernames, passwords, and security questions, which we did. 

On the XXXX of XXXX I called to get an update. I had seen no correction in the accounts and had not been contacted. All the accounts were still locked. The representative found that nothing had been started but they werent sure why. They sent an inquiry to the fraud department and said it would take 3 days to get a response. 

About 4 days later I called again. This representative didnt see that anything had been done yet and sent another request for status and action to the fraud department. 

I waited another week and called again. The representative sought input from their supervisor but couldnt get any further status. 

Finally, on XX/XX/XXXX a representative called and said they were working on the accounts and would remove the fraudulent charges. It is now the XXXX of XXXX, over 5 weeks after I reported the issue and the accounts are still locked and the charges are still in place. 

During this time, I have accrued charges from other institutions because they couldnt process bill payments. I havent been able to access my paychecks which have been deposited and the checking department from USAA called trying g to collect the {$10000.00} from the bad check from me despite the accounts being locked and flagged for fraud/account takeover. 

The time to resolve the issue has been unacceptably long and I have been unable to get any status or explanation no matter how many times I call. XXXX  lack of action is now risking my credit score because I cant access my money to pay bills on time. I find the entire experience completely unacceptable. After 20 years with the same bank I now believe they have serious security issues that they are over their head with but that they are trying to hide it from their customers. I want this issue resolved now so I can secure my money with a trustworthy institution and avoid further financial damage to myself caused by USAAs inability to handle account intrusions and restore accounts after hacking and fraud.