davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT YOU PLEASE REVIEW AND REMOVE THE ACCOUNT AND INQUIRIES OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (PA)

Old Navy Sychrony Bank will not work with me during covid-19 relief. My state has several laws, orders, and ordinance Regarding consumer protection during covid relief. I contacted customer service XXXX XXXX and spoke to a customer service representative and two supervisors company still disregarded my request and made them aware of the laws in my state. 
I complained to the Attorney Generals office and was not given a solution. The person responded that the correct thing to do was to contact customer service when in fact I had already done so as stated. They did say they are willing to abide by the state laws. A late fee was also assed on the account and needs to be waived.
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (GA)

A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, Kathy Kraninger. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is AMERICAN CREDIT ACCEPTANCE, and all other pertinent information is within the letter. AMERICAN CREDIT ACCEPTANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.
Consumer complaint received 2020-10-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.

-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

5. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

I recently needed to remove a security freeze to apply for credit. I just needed the freeze lifted by the end of XX/XX/XXXXand I planned on using the Equifax website. However, my profile was frozen for no discernible reason with the only visible prompt being a phone number. I called that number on Tuesday XX/XX/2020 and in spite of verifying my identity, the company refused to permit me to change my own security freeze status. 

As a consequence, difficult financial circumstances are exacerbated because Equifax is unresponsive and leaves me unable to apply for new credit. It is now XX/XX/XXXX and after sending the requested documents to Equifax by fax ( there was no way of simply emailing and traditional mail would have been even slower ) I have yet to hear from them and am unable to access any loans or credit.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

On XXXX XXXX, XXXX Equifax deleted several accounts from my credit report. Most of them being accounts that are active with balances that I am still paying on like a current car loan and open credit card accounts. I find it extremely unprofessional that they consumers a hard time correcting erroneous but illegally against the FCRA delete things that are being reported correctly. I have spoken with a representative with the Fraud department by the name of XXXX who is telling me she is unable to see any of these accounts and wont be able to add them back on she is telling me that I should call the credit grantor and ask them to rereport. Which is something I have already done. The credit grantors are telling that Equifax must add the accounts back to the credit report being that they were the ones to delete them. Even with an active fraud alert since XXXX XXXX Equifax allowed for accounts to be deleted that were reporting correctly and accounts that I have no knowledge of to be reported.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XXXX of XXXX I opened a dispute with Equifax regarding an account with XXXX 's first opened in XXXX of XXXX. The account showed a late payment of 60 days or more. In addition, a dispute was also opened with XXXX  regarding the same account. XXXX  resolved the error as of XX/XX/XXXX. I had contacted XXXX 's in XXXX of XXXX and they confirmed I have never had a late payment. XXXX 's provided me with a payment ledger proving this fact. In addition, I also have the original PAID OFF confirmation email from XXXX 's.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo bank stating that the amount in the checks was posted twice but physically that amount was posted only once, so they took my money from my debit account, locked my ability to buy a food and or pay for my bills during Covid-19 pandemic. Leaving me without any options to survive.

Stating that check 's was posted twice, but here as evidence I'm attaching a statements where we all can see that this amount wasn't posted but was credited.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was scam to rent a house the guy who claimed to be the owner asked to wired him the money to get the to rent this house but it never happened so I called my bank to let them know what had happened so the chase bank wont dispute my money or try to fix the issue please help me and my family I had wired transfer this person this money thinking that I was going to get my kids and my family a good home to live this guy contacted me by phone please help me. I had send this person {$1100.00} dollars for what he said was for applications fee and to secure the house and my and my husband send him {$850.00} for first rent this guy got away with about {$2000.00} dollars from hour hard working Money please help. The guy email me what seems to be a dale lease and the information I have from this guy seems to be fake I dont understand why chase bank wont help me.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AVANTE (TN)

I have 3 accounts in collections for Avante or XXXX XXXX emergency when I had and still have state health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.
Consumer complaint received 2020-12-09
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: Sensible Auto Lending, LLC (MA)

This account, sensible auto lending, is a charged off account that is reporting only in one bureau which is really inaccurate. The fact that it is only reported in a single bureau is really bothersome. Please help me get this removed from my report.
Consumer complaint received 2021-04-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

Im filling this complaint against PayPal Holdings , Inc. 
XXXX XXXX, California USA. 
Hi. 
On the XX/XX/2021 PayPal limited my account temporarily and asked me to provide information about my services which I did. Later on my account was permanently limited. PayPal promised to remove the limit on my fund and allow me to withdraw after 180 days. Few days to the agreed 180 days PayPal withdraw my balance to zero. PayPal allegations are false. Copyright infringements and trademark violations stated by PayPal are nonexistent. All disputes with my clients have been already resolved and the remaining balance was my hard earned money. PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. PayPal should provide the service they think went against their aup and I will provide a feedback from the client. The screenshot below are from my transactions. PayPal asked me to provide them before limiting my account permanently which I did. PayPal should verify all this transactions and the customers emails. I can also provide my national ID card if needed.
Consumer complaint received 2022-02-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXX XXXX  XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXX  account is only showing seven ( 7 ) of the seventeen consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those seventeen months to a closing balance of {$180000.00}
Consumer complaint received 2024-02-02
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. (MO)

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2021-09-22
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. (SC)

I am exercising my right to submit a dispute. I have sent this letter via certified mail with tracking and signature required as well so the company can not say they did not receive it. They will have the information 2x.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (LA)

I owe XXXXXXXX XXXX a debt due to a XXXX credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to Rauch Sturm who has now been charged with collecting payment. I have asked Rauch Sturm for billing statements detailing the amount owed. They, Rauch Sturm, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with XXXX XXXX  who stated they do have the records but will only send them to Rauch Sturm.
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I emailed VP 's at Capital One. I called for 3 months straight and not getting anywhere. I am not even behind or ever late. I have 3 credit cards with capital one. They closed my account out without my knowledge. Did not help me when I called to try and lower the interest rate and make sure they were paid on time. They treated me horribly. I took another credit card and almost paid them in full. I live in the State of Florida and ignoring my requests for a deferral in payments that FEMA and government agencies implemented for Florida residents where I live. They are reporting I am late, I opted out of mailings, do not call. Still getting all of the above. I have emails proof I paid on time. I want to reverse my payments from my credit card and not pay them u yul these matters are resolved. Legally, I am allowed to receive a deferral due to the hurricane. These people are bottom feeders. None educated and untrained people. I am so upset my Fico score went down because of this horrible company. I want mailings to stop. All communication. This is illegal what they are doing.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

Without any written or e-mail notification my Care Credit account was closed. When I called Synchrony Bank to find out why they said it was for non-use. This is a line of credit specifically for medical expenses and I thought having an available line of credit to use in a medical emergency would provide some peace of mind. The account was opened just over a year ago. The bank advised me they could not reopen the account and to reapply. I reapplied and was declined. The closure of this account has caused my credit score to go down by 65 points.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (MS)

On Monday, XXXX XXXX, XXXX I contacted XXXX XXXX XXXX to take advantage of a promotional offer regarding 0 % interest on balance transfers. I asked XXXX  XXXX XXXX to cancel a pending balance transfer to Chase Bank that had not yet been initiated. XXXX XXXX XXXX informed me that it was not a problem, told me the transfer was being canceled, and proceeded to take down information on the correct transfers. I was notified Tuesday or Wednesday that some balance transfers had been processed. When I did not see the transfers reflected on the appropriate accounts, I looked into my XXXX XXXX XXXX account to check the status. When I looked, I found that XXXX XXXX XXXX had not canceled the transfer to Chase Bank, but had instead sent {$3400.00} to Chase in error. I immediately began trying to get this corrected. 

After several hours of phone calls, a Chase Bank representative, XXXX, told me that because the transaction was a balance transfer, Chase Bank could not cancel the transaction from being applied to my account and could not refund or return the money to the sender. At this time and the time of that conversation, the money has been sent by XXXX XXXX XXXX but has not been received by Chase Bank. Chase Bank 's position does not add up. I have not been told how or why the transfer must be applied to my account, no exceptions, no refunds. I have told Chase Bank repeatedly that the money was sent in error and that I do not want that payment applied to my account. XXXX XXXX XXXX has contacted Chase Bank with me on the phone and told Chase Bank that they ( XXXX XXXX had a system error and that the transfer was a mistake. All I want is for the transaction of {$3400.00} be returned to XXXX and not applied to my account with XXXX. I do n't understand why this would be so complicated. I will still owe XXXX the full amount on the credit account, XXXX will collect more money in interest, and I 'm not a risk for bankruptcy.
Consumer complaint received 2017-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sierra Holdings LLC (NY)

I have a car loan with XXXX XXXX XXXX. Admittedly, on occasion, I am late on my payments, usually by no more than 2-5 days, maximum. On several occasions, I have received numerous calls attempting to collect the debt owed. I understand they have the right to call as collections, but excessively? Calling me 18 times in a day, while I 'm at work, is utterly unacceptable after being 1 day past due. This is harassment. On top of the harassment on my own phone line, they began calling my references. I also understand this is the purpose of a reference, however, when calling a reference and leaving a voicemail, in no way, shape, or form should voicemails be left that state, " Hello, this is so and so from XXXX XXXX XXXX calling to get in contact with XXXX XXXX regarding her auto loan with us. Please have her return our call or make a payment at her earliest convenience. Thank you. '' These are REFERENCES, not consigners!! It is against the law for them to inform anyone not financially responsible on this loan that I have an account with them, let alone that I am late on my payment. 
Once again, this is illegal. The media will be contacted to advise of these unethical and malicious collection practices to steer everyone away from using this company. 
This has caused extreme emotional distress on my part as I am constantly concerned about how they will depict my image to my references when they 're spilling all of the details of my payments. I am a human. We have all been late on something before, and we have all struggled at one point or another. Why would they want to smear the image of a customer?
I feel sufficient compensation for this extreme inconvenience and horrible practices would be to forgive one loan payment. 
Once again, I will take every method possible to expose this company for these malicious practices to steer anyone from doing business with them if they do not find a way to rectify the stress they have put me under.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had {$1400.00} stolen from my Bank Of America Checking Account on XX/XX/2022 from an international website. I disputed the charges and was assured that the international company would no longer be able to access my account or funds again. I was given the provisional credit to my account and the claim is still being investigated. 
The SAME international website stole {$4800.00} from my account AGAIN. I disputed the charges XX/XX/XXXX and was denied credit and the claim was immediately denied and closed. 
I lost all of that money and they arent doing anything about it. Today is XX/XX/XXXX. There is no way they completed that investigation in only 5 business days.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

After 21 years of being a member of USAA & after twice them sending offensive " automated correspondences '' to me - I want to settle this account & close it. Finally got them to close the account - after two weeks & profanity laced emails. But now they refuse to budge with a settlement. I have now asked for a complete AUDIT of my account. 

I 've been lied to and offended to no end. USAA also needs to be retrained with regard to " Best Practices. '' I have two correspondence I wrote to USAA 's Executive Council, that I would like to forward to CFPB. 

Any help in getting this account settled would be greatly appreciated. 
Thank you, XXXX XXXX XXXX XXXX