davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (WI)

this is part of complaint ID XXXX I paid PAYPAL CREDIT 2 payments of {$5.00} and {$66.00} to have my credit limit under so I could make a purchase to XXXX well as you know the scum PAYPAL took the funds directly from my bank account. So on XX/XX/2021 I called to request a REFUND of these funds. I was told by that account manager CONFIRMATION XXXX that she initiated the refund. On XX/XX/2021 I spoke to XXXX XXXX that stated that my REFUND WAS INITIATED on XX/XX/2021. Ok ... ... ... ... .that is 3 business days later. I called TODAY and the agent stated the check has been INITIATED JUST TODAY. At first he said its been mailed. So I said then please provide the check number. Nope. He said oh I meant initiated. I feel I am being LIED TO and given the RUNAROUND. I asked to be connected to a supervisor. I was on hold then was hung up on. I WANT MY REFUND ASAP.
Consumer complaint received 2024-02-13
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. (NV)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I received 4 emails from Bank of America where I already have a credit card. 

The emails were in regards to a new checking account application being submitted, my email address being changed, my phone number being changed, and my checking account application being under review. 

I did not do any of these things so I opened my BofA mobile app and started a chat. The chat representative gave me a phone number to call. I called the phone number and the person I spoke with said that she saw no issues with my account, no changes, and no new accounts opened. I saw the same in my mobile app. She said the emails were likely a phishing attempt and I should mark them as junk. She said she would notate my account. 

On XX/XX/XXXX, I received a phone call to my cell phone regarding my accounts at BofA. I was confused because I had been told already that there were no accounts opened or changes made. The woman who called said that they believe the new checking account I opened to be fraud. I explained that I had called on Thursday, XX/XX/XXXX and spoke to someone who said that no accounts were opened or changes made and she was going to notate my account. This CSR did not see any notes on my account and confirmed that there was an account opened in my name. I asked to see the application and asked what information the individual had of mine that they were able to open the account. The CSR said she could not provide me with any of that information, but I should assume that I am the victim of identity theft and follow appropriate procedures. That was all the information she provided. No resources, no attempts to assist, nothing. 

Since, I have found the steps on my own and followed them, but I find it concerning that BofA would not be obligated to provide me with the fraudulent application or at least provide me with the information that was used to open the account on my behalf. Since it was not, what information does the fraudster have? What information should I be protecting? What information is likely to appear at other financial institutions that I do not have a relationship with where accounts could be opened in my name? 

How can consumers prevent fraud or protect themselves if these quite large institutions are unable to or unwilling to assist? Shouldn't there be an obligation to provide consumers with the details of the fraud perpetrated against them? If billions of dollars each year are being lost to scams and fraud, wouldn't it be beneficial for FIs like BofA and others to provide even just the basics of information? Shouldn't they be required to have a team of individuals trained in how to handle these situations?
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXXXX/XX/XXXX XXXX Nc XXXX. There's no other spelling in my name besides the one above.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NC)

My name is XXXX XXXX XXXX my email is XXXX on XX/XX/XXXX I reported a complaint to XXXX XXXX XXXX for identity theft because someone opened an account with my information without my consent and brought the total bill that they mailed me of XXXX Im writing because I was honest about this and they are still sendin on me documents stating to pay the balance
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc. (NY)

At the dealership i was pressured, led and instructed, by the salesman to get a lease despite wanting a finance. I told him several times that i want to finance because i know i will go over my miles and he told me to take the lease for interest reasons. 

No options were ever provided, comparisons, explanations made, or otherwise. 

Documents were drawn up for a lease and i was further pressured, led, and instructed by the finance manager to sign. If I mentioned the financing again, attention was diverted to the documents already prepared. 

i believe i have been purposely deceived by this dealership, and cadillac financial has also not been forthcoming with disclosures when i ask questions.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

Someone Fruad Opened a Credit Card and a loan under my name. The credit Card Was under discover opened XXXX XXXX and that account has gone to collections charged off for the amount of {$210.00} it was a secured credit card i never opened it neither knew who that company was and now im stuck with a balance and a bunch of late payments on my credit report. The loan was a secured loan for self lender by lead bank it was opened back in XXXX XXXX and balance of {$520.00} and also stuck with bunch of late payments on my credit report and balance.
Consumer complaint received 2024-04-01
Product: Credit reporting 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. (GA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. I have previously filed several complaints to get this information corrected my name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX Ga XXXX do not stall this complaint by asking for my identification because I have attached it to each complaint and to this one as well. You have proof of my address as well. Delete this incorrect information because anything else listed would be considered identity theft and the address is prevent me from obtaining credit I am rightfully entitled too.
Consumer complaint received 2022-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

For nearly the last year I have continued to be charged " unpaid fees '' for two federal loans on my account that are being handled by Navient. I've called numerous times to find out what these fees are for when I have paid the loans on time and even overpaid on the loans. On XX/XX/XXXX I made a payment for {$37.00}, the unpaid fee total and decided to look into 1. How long I'd been paying such fees and 2. Why my payments though directed, were not being allocated to these said fees. On XX/XX/XXXX after my payment on XX/XX/XXXX was processed, the fees were once more charged ; so I called. 

The representative that I spoke to at that time could not answer as to what the fees were for and why the loan payments, though directed, were not being applied to these fees. First, she said that they were applied to the back of the loan, but couldn't answer as to what the fees were specifically. Then, she said that they were late fees. When I asked why I was charged late fees on loans paid on time she could not answer and reverted to saying that they were fees applied to the back of the loan. Out of frustration I hung up. 

On XX/XX/XXXX I made a payment, again for these unpaid fees of {$37.00}. Then on XX/XX/XXXX I made another payment for these unpaid fees of {$37.00}. Totaling {$75.00}. I logged in on XX/XX/XXXX and there is another fee of {$37.00}, so I called Navient. I again was told that they were late fees on the account. I have made on time payments for these loans for more than a year, therefore, shouldn't have been charged late fees and no one at Navient can seem to explain to me why I keep being charged them and/or why every time I have paid them they are still showing on the account.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

My ex-boy friend purchased furniture at Ashely 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at XXXX XXXX XXXX on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.
Consumer complaint received 2021-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX, I filed a dispute with Transunion about the unverified account :XX/XX/XXXX Account number XXXX, XXXX XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (PA)

XX/XX/XXXXand trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to demand the immediate removal of a fraudulent account from my credit report. Upon reviewing my credit report, I discovered an account that is the result of identity theft and fraudulent activity XXXX XXXX XXXX, XXXX 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
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NC)

On XX/XX/2023 I received in the mail a prepaid XXXX from XXXX. I did Not and I repeat did NOT request or open an account. This is a fraudulent account that needs to be closed as soon as possible. When I received this card I tried calling the toll free number for XXXX, but I did not get any response. Let me repeat, this account IS fraudulent and should be closed.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the urgent matter of fraudulent accounts on my credit report. Upon reviewing my report, I discovered unauthorized accounts under my name, opened without my consent or knowledge. This breach of my financial security demands immediate action XXXX XXXX
Consumer complaint received 2021-04-07
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. (PA)

XXXX bank and trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.
Consumer complaint received 2024-02-13
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (MA)

XXXX XXXX customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from XXXX to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. 

This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, XXXX reported my account past due 30 days. How is that possible?? 

Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of XXXX!!!! I am totally disgusted. The reps are not helpful at all.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

I called Best Buy credit card customer service to dispute debt protection plan charges that I never ask for on XX/XX/2020 ( around XXXX ). The customer service agent stated that Citi Bank doesn't offer the protection plan service and I would have to call the 3rd party service that put the protection plan on my Best But credit card. I had the CSR give me the number and I repeated it back, she stated that was correct. I called the 800 number that was given to me and it is no longer in service. My statements online only go back to XXXX in which I have been charged around $ XXXXfor the " Debt Protection '' service.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

To whom it may concern, My mortgage servicer. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX the investor is Deutsche Bank. 
On XX/XX/XXXX my mortgage was modified. I really wasn't paying attention to the amortization until XX/XX/XXXX. After I did some calculation I realized that the terms of the note where changed without disclosure. You should also know that I had to discharge a BK in XX/XX/XXXX and my attorney unfortunately forget to reaffirm the mortgage so I am worried if I keep pushing for answers the investor will or may call in the note. I have never missed any payment since the modification went into effect and my credit is excellent now so I can refinance it with no issues. My background is mortgage origination and I have my NMLS number so I understand mortgages. 

I have been concerned about why my principal balance not agreeing with the amortization schedule. After doing several calculations I finally figured it out what happened. 
The payments were calculated with the following terms. Year 1-5 of the modification was at 40 years. Year 2 was at 35 years and the now its at 34 years. When I reviewed the modification contracts and note there is no disclosure ( s ) that the terms were changed. Also the maturity date didn't chance so how can the maturity date stay the same but the terms changed. 

Basically even-though I have a modification agreement disclosing the new payments I don't have have any disclosures that the terms changed. I hope it make sense how I am trying explain it. If you need anything else please let me know. 


Thank you in advance and I look forward to hearing back from you.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

About a month ago I had disputed ( 2 ) hard inquiries that were reporting on my Transunion account. Transunion had deleted those accounts accordingly. Now, one of those 2 deleted accounts has reappeared on my account. I have absolutely No connection with this company, no liabilities, debts, etc. 
I demand that Transunion delete the following account immediately! 
XXXX Inquiry XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, SD ( XXXX ) XXXX
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must delete the listed account from my file. 
XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-06
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}