davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (CT)

This is my 6th request 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, remove 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  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I was looking at my statement & I noticed that on XX/XX/XXXX there were 31 withdrawals from my savings account, 28 in {$100.00} withdrawals and 2 in {$80.00} & 1 in {$40.00} and on XXXX there were 30 withdrawals of {$100.00} from my savings account. I called the Chase number on the back of my debit card and told them I hadn't done the withdrawals and they were unauthorized. 
I realized then that a call I received on XX/XX/XXXX must have been a fraud call. I received a call from a person saying they were with Chase bank, they stated there was a charge on my card in XXXX, GA and wanted to know if it was a legit charge, I told them no and they stated they needed to verify the card to cancel it and send me a new one and they asked for the last four numbers of the card which I gave to them. They said a new card would be mailed out and I should get it in a few days. I said Ok and hung up. 
When I talked to Chase rep on the XXXX  they said they would look into it and let me know in 4 -6 business days. I waited till XX/XX/XXXX and noticed that on XX/XX/XXXX they had reimbursed me {$3000.00} for the XX/XX/XXXX withdrawals. I called them and asked why I hadn't received the {$3000.00} for the XX/XX/XXXX withdrawals and the 1st rep couldn't answer it so she said she would escalate it and send me to a supervisor. The person I talked to stated that the 1st part had been approved and she checked and said the 2nd part had just been approved and should be in my account in the next day or two. 
On about XXXX the {$3000.00} was put into my account, then on about XX/XX/XXXX I noticed that the 1st deposit of {$3200.00} had been removed from my account. I called them immediately and they then told me that the 1st approval was only a temp and that they had rejected the claim and took back the funds. I argued that they had told me it was approved but they wouldn't change. I immediately went and withdrew all the rest of my funds, and I closed all my accounts on XX/XX/XXXX. 
I contend that 1. ) The transactions were never authorized 2. ) I was told by Chase management that the funds were approved, and I would be refunded, they did refund then they backed out of their agreement 3. ) Their fraud department should have noticed the unusual withdrawals and notified me before approving them all.

I moved my accounts to make sure they did not take the 2nd {$3000.00} but I want the {$3200.00} back.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was unaware the card I get in mail was ever used, I did set it up when I received it, but did use it 3 times that day and that day only, maybe used {$100.00} all others transaction I'm unaware of, in till I Seen my credit report, I even reported that card lost and still see transactions after that
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (FL)

This company needs to be stopped immediately from their false advertising and predatory lending practices. I applied for a personal loan over 1 month ago, was approved for {$14000.00} personal loan. I have continuously been asked for a more and more documents and every time I have been asked for something else, I have returned the items within 24 hours. My rate and terms for the {$14000.00} loan were set to expire on XX/XX/XXXX, still pending a response from an Underwriter to my application and attachments. I called on XX/XX/XXXX and the individual said there was nothing to worry about as my docs would be saved and honored. That was a lie, the next day when an Underwriter was finally able to review the application, they re-ran the credit and said I was only approved for {$4500.00} with a higher interest rate. WHAT THE ACTUAL & & % & %? I took it because I am still trying to consolidate and pay down my credit card debt. Luckily they saved all my attachments from the original application. However, they keep asking for a Form XXXX from my tax return, which is a schedule linked to my business write-offs from my personal taxes. I have spoken to my CPA and he and I both agree, this is not Upstart 's business. My business write-off 's against my personal income is not the concern for a PERSONAL loan. My personal income is what should be derived to approve a personal loan, anything else is just not their business. Anyway, I submitted an explanation on XX/XX/XXXX with the new terms and rate expiring on XXXX. Yesterday, 2 weeks later, they finally reviewed my application and said that they needed Form XXXX again and if I didn't have it, to say I didn't have it and they would continue on without it. I haven't even had a chance to call and speak to someone and I get another notice that not I'm approved only for {$1800.00} and for a higher interest rate? This is b.s.!!! They keep delaying the review and moving the goal post and not holding true to their terms. And it takes them forever to review my XXXX application! Stop this.
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (KY)

I filed a complaint against XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. That collection account was an account originally from XXXX XXXX. The XXXX XXXX solutions was deleted from my credit reports after filing the complaint through CFPB. 
Now another collection agency named Franklin Collection Service is now reporting this same XXXX XXXX account on my credit report. I have never lived in an area wheee XXXX XXXX has even been available.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.
Consumer complaint received 2020-01-28
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: BBVA FINANCIAL CORPORATION (GA)

Dear Consumer Financial Protection Bureau, CFPB : XXXX VISA ( XXXX ONLINE PURCHASE  ) is trying to steal money from my BBVA Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH XXXX ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX XXXX ( CHESTNUT ) WERE DAMAGED, AND ( 2 ) XXXX XXXX XXXX XXXX XXXX ( NOT WANTED, WRONG SIZE ) Both XXXX AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX XXXX XXXXs purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). XXXX HAS SLREADY DEBITED MY BBVA CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and XXXX to no avail. XXXX IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). XXXX, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT BBVA CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, XXXX ORDER : XXXX. 

BBVA has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021 I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 44 days and I still have not got a rebuttal of any kind in regards to this matter. 
I am sure that I am being taken advantage of and being totally ignored of my disputes. My information was also impacted by the Equifax data breach and may have been compromised as a result. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 44 days, so it should be deleted instantly. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I was laid off due to XXXX in XX/XX/XXXX. I applied for a Forbearance plan with mortgage holder Mr. COOPER. After going back to work in XX/XX/XXXX I called bank to start making payment arrangements. They could not offer me any viable options at that time and suggested to stay on the Forbearance program while they underwrite a modification of terms. I submitted all documents and did exactly what they asked- do not pay the mortgage and stay in the program until a determination was given. I told them by not making payments this would make things worse if the modification didnt get approved. They again told me my best course was to continue. 

In XX/XX/XXXX they started the modification process. I was advised to call every XXXX weeks for an update and was told each time it was still be underwritten. In XXXX I called and complained and sent a letter to the office of the president to expedite the decision. I was then told my loan should have had been approved and a letter was coming. I waited another XXXX weeks and was still told the same thing. In XXXX I called and was told they were behind and a decision had not been made and to keep calling. I was informed this week that the modification was denied and my only options were a repayment plan. This comsists of a $ XXXX payment and XXXX  months of payments of over {$1700.00} to bring the account back to normal. I was also given an opportunity to pay the full amount, over {$25000.00}. 

I tried to work with the bank and did everything they had asked. I am now in a much worse situation with my mortgage than prior to being XXXX XXXX due to XXXX. If I struggled to make payments while XXXX XXXX I would not be in this situation or be in a much better place. I feel I was lied to and misled about the opportunity that I was given in a he beginning about what government assistance would be available but was never even an option. I am now financially struggling to meet their repayment plans to keep my credit rating and my home. I need assistance helping work out a program that can keep me in my home with my XXXX kids.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (SD)

Gentleman staying he was from the sheriffs gained access to my apartment. Guests must be buzzed in. He came to my door and proceeded to bang on the door and call my name. He was informed I was working as I work from home. He continued to to bang on the door so much that the upstairs neighbor came downstairs to see what was going on. I this when I had no other recourse than to open. I told him I would not be taking the summons as I filed for bankruptcy. He stated he didnt care, threw the paper at me, I had to pick up from the floor and he walked away. 
It should be noted the summons has no number and a date of XX/XX/XXXX. Summons delivered on XX/XX/XXXX.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Spoke to XXXX at this dysfunctional collection agency on XX/XX/XXXX, per the conversation, she advised that the client transmitted this account on XX/XX/XXXX. This merchant ( XXXX ) was paid in full on XX/XX/XXXX in full for the amount of {$62.00}, the account reflects a XXXX balance according to the merchant website dated XX/XX/XXXX. The phone call with the agency was not really reassuring that they were going to rectify the situation, in fact, it is very shady as far as the business practices of the Sunrise Credit Services.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

According to 15 U.S.C 1666b the time of payments, ComenityBankXXXX is in violation of my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal and must be updated as positive. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2020-07-13
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. (NH)

XXXX  XXXX servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from XXXX clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and XXXX refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and XXXX   XXXX accurately reported them as late. XXXX, later granting a forbearance for that time period, per the cited opinion, XXXX  XXXX has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.
Consumer complaint received 2021-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (TN)

Hello.. I made required minimum payment of {$180.00} when my Principal balance was ( {$1000.00} ). Only {$37.00} out of that payment went Toward principal. Within the required minimum payment TOTAL I made payment of {$490.00} plus another {$100.00} totaling a grand payment of {$590.00} on the XXXX of XXXXAnything paid over interest of {$150.00} out of the {$180.00} minimum payment goes toward principal balance which was $ {$430.00}. payment made to pay toward Principal was estimated at {$430.00}. Which brought my principal Down to {$640.00}. My prinicipal balance is showing in the system of {$690.00} instead which isnt right also my minimum payment is more at {$290.00} at a lower principal balance to pay on the XXXX of the year of which I assume only {$30.00} is going toward principal and way more than it was when my principal balance Was {$1000.00}. I would appreciate this all to be audited and possibly corrected please, thank you
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (NV)

I have never had any signed contracts with these collection agencies and they also do not have a legal practice for the State of Georgia. I don't have any recollection of this debt of Contract Callers {$400.00} It violates my Consumer Rights according to XXXX  practices that my personal information was given to these above listed companies.
Consumer complaint received 2018-03-06
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: AMERICAN EXPRESS COMPANY (GA)

IN XX/XX/2017 AMEX FRAUDULENTLY RAN MY CREDIT WITHOUT MY PERMISSION. I RECEIVED A LETTER FROM AMEX A FEW MONTHS LATER SAYING THEY WOULD SUPPRESS THE CREDIT INQUIRY, BUT THE INQUIRY STILL REMAINS ON MY CREDIT REPORT.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank lowered the credit on my XXXX XXXX XXXX card out of the blue. There have been no late payments or any issues ; I have been trying to pay the bill down. At XXXX XXXX on Thursday night XXXX XXXX @ XXXX XXXX, I get a credit monitoring report that my credit had been lowered on this card around about {$1200.00}. This bank is notorious for doing this with its good customers. 
This isn't the only thing ; about XXXX XXXX year ago, they just closed my XXXX credit card the same way and without any notice. Around the same time, they lowered credit on my XXXX card by {$1500.00} and they did my XXXX card the same way. 

This company is wreaking havoc on customer 's credit report and likewise mine. If they did want people to have a card, they should not have approved one rather than to do this.

I have had it with this bank doing this. I am going to see if there are other customers doing a class action suit because of this ; if so I want to jump in on it. If not, I may just sue them myself. This is ridiculous and this company should be fined or something for this.