davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK ()

the commerce bank XXXX XXXX gives my account on XX/XX/2019 and onXXXX XXXX 2019 the account was emtied as a bank and as a bank invested in my bame without my permiddion here in the neterlands is that puneshable is the bank alowed to do so in usa is also prohibited for you? please help me i have documents if you have en e-mail adres? then i can send you documents XXXX. XXXX. XXXX
Consumer complaint received 2020-01-28
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: U.S. BANCORP (CO)

I was issued a Rewards Card from my credit card company ( Ent bank ). This card was issued XX/XX/19. The card was defective and was not working at the register when I went to use it. So, I called the C/C company and told them and they deactivated it and said they re-issued another replacement {$100.00} rewards card. I never received it, so I called and they said it had not been sent out. So, I called again to be sure it was on the way and got the run around when I did. I was told repeatedly that no card had been re-issued, and was given another 1-800 number and was told my account did not exist. I called the Credit card company back and was given more run around. These calls happened on XX/XX/XXXX, and XXXX. It took a total of 9 phone calls to get an answer. Each time I call I am told there is no such card, or the Rewards card is not the correct type or no card has been issued, or they are re-issuing a new card and then there was no card re-issued. My rewards card has been with-held from me and I believe I am being discriminated against due to the excessive amount of dismissing and poor treatment I have been given while trying to receive help from these people. This is either a scam program or they are breeching their part of the agreement. I want action taken against them for fraud.
Consumer complaint received 2020-12-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my Experian credit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Consumer complaint received 2022-01-18
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. (GA)

It is my belief that Equifax closed out CFPB Complaint # XXXX as a stall tactic. If the appropriate procedures had been taken, it shouldn't have taken this long to produce the documentation requested in complaint # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Im aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Equifax has committed fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) for furnishing information to my consumer report that is in clear violation of the Fair Credit Reporting Act without my lawful authority. 

Please provide the written instructions that I, the consumer gave to Equifax which has authorized this furnished information. If you can not provide me with these instructions written by me prior to the notice received by Equifax on XX/XX/2022, through the CFPB portal complaint XXXX, this has been a fraudulently made consumer report using my identifying information. 

I have attached an FTC report due to the fraud and identity theft that has taken place. Im demanding the items below be blocked and removed pursuant to 15 U.S. Code 1681c-2 not later than 4 business days. I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written instruction of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a sentence of imprisonment of 2 years.
Consumer complaint received 2020-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA is charging me 16.54 % on a used vehicle loan. 

The national average loan interest rate is 5.27 %. 

My credit score is almost 700 as of XX/XX/XXXX. 

USAA has refused to refinance the loan. 
I contacted them approximately XX/XX/XXXX via telephone and requested a refinance and/interest rate reduction and was denied. 

I have had financial difficulty due to COVID19. 

This means my payment is {$790.00}. broken down to : Interest : {$460.00} Principal : {$320.00} The loan began : XX/XX/XXXX Pay off schedule date : XX/XX/XXXX PAYMENTS : XX/XX/XXXX LATE CHARGE ASSESSED {$39.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$320.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$300.00} {$34000.00} XX/XX/XXXX INTEREST {$480.00} {$34000.00} XX/XX/XXXX NUMBER OF DAYS = XXXX XX/XX/XXXX PRINCIPAL {$330.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$490.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$500.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$190.00} {$35000.00} XX/XX/XXXX INTEREST {$600.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$35000.00} {$35000.00} So this is a 7 year auto loan in what would be 4 to 5 years if the interest rate was not inflated. 

I am paying more in interest than I am on my payment to pay the loan off. 

This is preditory lending. I am being taken advantage of by the financial institution. 

I am a XXXX person. 

Maybe similar scam as the XXXX housing market which caused a crash in the industry? Also I don't know who my money is going to in their network or why or how they are redesignating it. I really don't care either as they are financially abusing me to I guess give to another area? 

I don't know what scam the government is running. USAA Federal is refusing to refinance my loan and SERIOUSLY TAKING ADVANTAGE OF MY FINANCES.
Consumer complaint received 2020-12-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XX/XX/XXXX credit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Consumer complaint received 2021-03-29
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. (MD)

Upon review of my FICO with XXXX  XXXX XXXX, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with XXXX in XXXX ofXX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. XXXX said it's the credit company TransUnion, and TransUnion sent me back to XXXX each pointing the finger at the other. My anxiety level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.
Consumer complaint received 2020-07-16
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)

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. I use to live in OHIO 10 years ago I have been in XXXX FL since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/2019, I called Synchrony Home customer service XXXX regarding a purchase made at Lumber Liquidators store in XX/XX/2019 with their credit card. I learned my purchase did not qualify for the promotional purchase advertised in the store because I didnt open a new line of Synchrony credit with XXXX XXXX. The customer service agent stated they could extend the promo that was scheduled to expire in XXXX to XXXX so I could pay it off without paying interest. I paid off the balance XX/XX/XXXX but received an interest charge on the XXXX billing statement. I called customer service and the agent said he would credit the interest and fees charged immediately and my next statement would reflect that. Today I received the XXXX statement and the credit from XXXX was posted but I was still charged another interest charge. I called customer service again and they again promised to credit this months interest and reset my account to prevent more errors. I asked them for another statement and they said they couldnt generate a new statement with an accurate account balance. Im beyond XXXX at their lackadaisical account management and poor documentation.
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I went into forbearance in XXXX of 2020 and was given 12 months of forbearance. I was told I was in loss mitt and that I needed to continue payments or I would be kicked out of loss mitt. So I caught up on all of my payments and I had given them 90 days and they said they mailed something to me. I never recieved anything. I have been calling back Monday the start of every week trying to get a call back or something. No such luck. Now I am late in XXXX and XXXX. My loan modification for covid 19 should have been in effect by then. I was advised by the foreclosure prevention service to file a complaint because this is a common happening in the dovenhule mortgage company. Also my credit is ruined. I have proof of payments made from end of forbearance to XXXX and XXXX XXXX XXXX. Through XXXX. and now I was told that I can't apply for any more help even though the program I was needing wasnt available at that time. So my credit is showing 180 days late which is untrue. I have made payments to them, I am only 1 or 2 months behind right now. This is insane they say I should be recieveing info in the mail. And I never do. No one calls me back, and if they are using the terrible credit score they forced upon me I won't be getting a very good loan modification. So in the loan mod the forbearance was going to be added to the end, I was to get an interest rate reduction and I was having the pmi removed because it's below 80 % ltv. Please help me.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Collection Agency Name & Address Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX XXXX, This letter is a formal statement notifying the above parties that the accounts are disputed. The vehicle in question was purchased on or about [ XXXX ], financed by [ XXXX XXXX ], repossessed in the state of [ Maryland ], and sold by [ XXXX Dealership in XXXX XXXX XXXX XXXX ] on or about [ XXXX ]. Under the laws of [ Maryland ] and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above XXXX XXXX XXXX Send to Collection Agency, Original Creditor, and Car Dealership. I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 
XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am writing to express my frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my account. I am asking for your assisstance to remove these fraud items in my credit file 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 2023-04-06
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 that the information is inaccurate.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a mailer from USAA that they were providing a complimentary dinner for cardholders in my city, and the mailer notes it is valid through XX/XX/XXXX. I tried to sign up on XX/XX/XXXX, and the link does not work and says the " reservation is closed ''. I talked to a rep and they couldn't give me any information on the program or what was going wrong. 

Lying and sending out marketing about a benefit that isn't real is unfair and deceptive