davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In XX/XX/2018, XXXX charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX XXXXXXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (FL)

This business purposely makes it difficult for customers to make a one time payment against the account. In fact, the business has been drafting an monthly auto pay out of the specified bank account each month. However ; this XXXX, I attempted to make a one time payment on my account for {$1500.00}, it claims payment failed. Why? This is for account number : XXXX.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been patiently waiting on their response about the written requests I sent.However, any modes of response or coordination were not taken on their end. They havenotcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowedby law and continued reporting as unverified information which now, given all myattemptsto address it directly with the creditor, as willful negligence and non-compliancewithfederal statutes. Below are the lists of the erroneous inqruiries reporting on myCreditReport : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (DC)

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Went into branch and asked for payoff on X/XX/17 received payoff of XXXX. Paid off account at that time in person at branch. Branch had me sign a piece of paper with intention to close and payoff and sign- they faxed them to corporate headquarters. Checked status of account a week later and a balance was still showing. Called customer service and they basically said that 's the balance. They stated we never received letter of intent to close. I went into branch again and business banker stated the remaining balance was the banks fault and said he would waive it and ensure account was closed and paid off. Still nothing. Have called customer service 4 more times they say it 's not closed nothing they will do. Been back in branch and they say oh a few more days. Nothing. I want this account closed - I paid it off, I sent letter -- they are keeping it open. Giving me run around. Not good customer service. Bad policy. I have done everything correctly- got payoff, paid amount, sent letter .... they are giving me the run around, not helping.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing in reference to a released XXXX XXXX that is reporting on my Transunion and XXXX credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recently XX/XX/XXXX and the receptionist at XXXX stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as XXXX XXXX Number or XXXX in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from XXXX investigation. Transunion or XXXX has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2021, I purchased two pairs of Sconces from XXXX XXXX XXXX who lives in XXXX. I sent him {$1600.00} ( XXXX Euro ) to his bank account ; XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had sent him money last year about this same time using Monegram without a problem and received my items several week later. To date I have not received the items and the seller does not respond to my emails. I contacted Moneygram with regard to this and requested they contact the seller and refund my money. They have refused to assist me and cancelled my account with Moneygram implying that I was part of a fraud. I explained to them that it appears i am the victim of a possible fraud and scam but they refused to assist me. I have also sent a letter to XXXX XXXX in XXXX XXXX where the money was sent in the hope that they can assist me Attached are documents supporting this claim
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BOEING EMPLOYEES CREDIT UNION (KY)

BECU has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. BECU has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. BECU has ignored financial instruments intended to settle the account in XX/XX/XXXX. BECU has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. BECU has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to BECU in XX/XX/XXXX. BECU reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. BECU filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

BECU has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

BECU has given, without permission, the consumer 's information to multiple parties ( violation of 15 USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

BECU have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while BECU effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with BECU and BECU has not rebutted any of the claims. 

On their website, BECU states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX BECU has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As of XX/XX/2020 I have been having trouble with my prepaid edd debit card account, my deposits have been removed and they have been not replaced with no explanation of what happened to the funds. After that date I had gotten several deposits in which I was not credited the correct amount and I have no record in my statement of what happened to my money. Through out my account there are transfers to an external bank account that I have no idea of where the money is being sent to. I contacted bank of america on several occasions and I was told that the account balance is right and the amount that is being displayed is correct. I attempted to contact the bank claims department and they told me that they had not made any mistake and they said edd took the benefits back. I contacted the edd and they said that they would not have taken any of the benefits disbursement back. I tried to contact the claims department once again and I was told that the account was frozen and it was under fraud case. I spoke to the fraud department and was cleared by them and I was transferred back to the claims department and was told that the account was going to have an open claim for the unauthorized access and I was sent a letter stating that the findings of the investigation are correct and the charges to the account are correct. I attempted to contact the claims department and was unable to get in contact with the claims department yet, I am going to be out on the streets because of the money that has been taken from my account. I have a son that is depending on me to make sure he has a roof over his head and this is putting that in jeopardy. The overall sum of XXXX dollars have been removed from my account since XX/XX/2020, and there are some transactions that are not made by myself as well. I am a single mother and I have no other means of supporting my son, all I am asking for is to have the funds that were taken out of the account replaced.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohls charge serviced by capital one. I called the customer service was on hold over two hours to get through. I couldnt understand first why I can not see my statements older than XXXX this year then second when I am making a payment always above the min my balance hasnt been moving in more than 5 months I look at the last statement and they are charging multiple interest rates which add up to almost 50 % interest I had a fixed rate of 26.49 % the past 8 years and all of a sudden I cant make headway to pay off XXXX it just goes up and up Im now into XXXX Where I started in XXXX I havent shopped there in 6 months so how is that right. Only XXXX has counted towards the balance with a average payment amount of XXXX every month since XX/XX/2020 They need to be stopped please do something I have rcvd no communication in any form or signed or agreed to a balance protection insurance and variable rate this is a complete consumer scam and fraud
Consumer complaint received 2023-01-11
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. (OK)

I am submitting this Complaint to you today regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have read that under the Fair Credit Reporting Act Section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Since, the time that I opened this account, I made a selection through the online portal for my account, requesting that my payment allocation should apply as follows : payments applied to the minimum due and anything beyond that applied to purchases made on the regular/revolving purchases. However, it seems that this has not happened, as most recently, a payment of {$360.00} made on XX/XX/2021, had {$260.00} applied against a deferred interest purchase.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OK)

I decided to set up auto payments every two weeks including a small amount extra to go towards principal so that I could pay off my mortgage quicker. As I was finishing up the process I noticed a disclaimer that stated my money would be held until a full payment was collected then it would be applied to my loan. Since I just made a full payment on the first of XXXX and my first " every two weeks '' payment would be on the XX/XX/XXXX I wondered if my money would be applied to my loan or what that meant to my finances. I called Quicken and asked them to explain. I was told in fact their policy is to hold my money until a full payment was gathered, then apply it to my loan. I explained I just made a full payment and this money should be applied as soon as they receive it. But again was told it's Quicken 's policy to hold until a full payment was collected. This IS an unfair practice. My loan would be paid off even quicker if they applied the money collected every two weeks at the time they collect it, which is my goal and why I decided to make auto two week payments. I do understand it still will be paid off quicker but the point is they hold money for two weeks which allows more interest to accrue on my loan. I pay an interest on my loan to pay Quicken for allowing me to use their money to buy my home. By using this option not only does my home loan not get paid off as soon as it could but Quicken is using money, for free, for two weeks and every dollar from others who choose this option. I also asked what if I just paid an extra amount equal to half a payment every two weeks without using the auto pay option and was told Quicken 's policy is to hold that money until a full payment amount was received. Again, an unfair practice to consumers that keeps us in debt longer than we should be. I have used Quicken 4 times for loans and have been satisfied up to this point when I discovered this option to help me pay off my loan quicker isn't paying my loan off as quick as it could and should and allowing Quicken to use my money for free for two weeks to pad their own accounts. This is NOT fair to consumers.
Consumer complaint received 2022-11-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-19
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. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2020-07-02
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I borrowed a total of {$57000.00} in private loans beginning in XX/XX/XXXX from XXXX XXXX. I have payed XXXX XXXX/Naviet over {$50000.00} to date. As of today my principal is about {$67000.00}.
I began paying my loan in XX/XX/XXXX. I needed to lower my payments and I was introduced to an interest only plan. When the interest only plan was expiring I received a letter from Naviet in XX/XX/XXXXto call for lower payment options. After speaking with several representatives I was told that I do not qualify for any lower payment options. I wrote a letter to the corporate secretary to explain my financial situation and the unprofessional way I was treated. As a result, an advocate reached out to resolve the issue. I was told that they would lower my payments by extending my payoff to thirty years instead of twenty-five. I was comfortable with the new payment. As of today my payments have been increasing rapidly. I realized that my payoff is indicated in my account summary as an ESTIMATE for the year XX/XX/XXXXwhich is not thirty years. I reached out to the corporate secretary and an advocate on XX/XX/XXXX about the payment increase and my term is not thirty years. XXXX XXXX a representative for Navient reached out to me and told me that she will get back to me about making sure my payoff date is for 30 years. I have not heard back from Navient since that phone call two weeks ago.