davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom it May Concern : In XX/XX/XXXX I leased a vehicle through XXXX for a XXXX term. At the end of the term in XX/XX/XXXX, I returned the vehicle to the dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received my paperwork that nothing further was owed. 

Several months later I received a letter from XXXX that my lease was up and to return the vehicle. I was surprised and VERY concerned, because the vehicle was returned by the lease end date. When I called XXXX, I was advised that ( to the best of my recollection ) an employee had committed fraud on the company and the vehicle was entered into the database as not returned. I was advised, again this was approximately XX/XX/XXXX, that the matter would be taken care of. 

Fast forward to just recently when I pulled my credit reports, and to my shock the XXXX account is still reporting as Open with a monthly payment of {$480.00}, and a {$5600.00} balance ( see attachment. ) It is also reporting derogatory as a chargeoff, and " Comments '' are misleading, at best. While one comment states " balance owing '', another comments states " ... ENTIRE PAYMENT SCHEDULE COMPLETED FOR TERMS OF AGREEMENT. '' The fact that this account is reporting as Open with a balance and high monthly payment is going directly to my Debt to Income. That coupled with the fact that it is also reporting derogatory as a Chargeoff is causing me to be denied credit and has cost me thousands over the years in high interest rates. I am demanding that XXXX take care of this matter IMMEDIATELY.
Consumer complaint received 2023-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (IN)

On XX/XX/2023 I applied and was approved for a loan of {$500.00}. To complete the approval process, I spoke to an agent on the phone. He asked the number of installments i wanted to complete the repayments in, and I advised him that I wanted to payoff the full amount when the first billing cycle completed in XXXX. He agreed and even noted that was the smartest option due to interest rates. When he emailed the application, it was not set up as discussed, and I fully accept that I did not review the documents properly. I accept that I had some fault initially, even though my further dealings with this company would indicate that is a revenue tactic. 

In XXXX, when I noticed that installment payments were coming out, rather than the full payment. I reached out on chat, and through a phone call. I expressed my disappointment but scheduled the full payoff online, The representative confirmed they could see the pending payment of the full amount. 

Now again, today in XXXX, The full payment still has not been processed, and they continue to bill me in installments with high interest rates tacked on. I have yet again processed another " payoff '' installment. 

I reached out through their chat with agent feature to confirm the payment is visible ( again ), but i am upset that the interest payments of over {$700.00} were not what I agreed to pay verbally & through further communications. They acknowledge they have recordings of the initial loan phone call. I agreed to be recorded on that call.
Consumer complaint received 2021-09-19
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: Experian Information Solutions Inc. (AZ)

I purchased a vehicle and got a loan for that vehicle, all of the credit inquiries for the loan are there and complete However there is a credit inquiry from a different company now on my credit report that i did not attempt to get credit from, i did not attempt to get a loan anywhere else.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In acct # XXXX, this acct is isolated from the outside minus a few specific types of secured transactions ... edi, ach ... etc and I used this acct to be the holding spot for transfers to places like XXXX. 

On XX/XX/XXXX I was debited {$6.00} & {$74.00} for products I ordered from XXXX, but never recieved.. XXXX claims the products were delivered to the hotel, however, I never recieved them and believe this to be of a greater malfeasance effort by the hotel 's deceptive practices and the less than adequate & properly screened employees. 
These transaction must be disputed as product not received, given XXXX fails to provide a manner to internally dispute this on their platform.. 

Additioanlly, On XX/XX/XXXX a XXXX ( XXXX ) purchase was made of {$230.00} -However, I was declined service, yet they kept my $ XXXX This transaction must be disputed as a bait & switch matter where they rejected my stay due to having service animals and the employees failed to internally document this matter.. I was held accountable for their employee negligence?? XXXX XXXX as a merchant policy accepts money and then calls police to remove customers from their property without refunding the money paid for the product/service. This charge must be disputed and charged back to merchant. 

Lastly, this is the merchant transaction that began this whole entire mess and is the focus of discussion with Counsel for next steps with the merchant ... On XX/XX/XXXX XXXX XXXX debit of {$430.00}. This debit was not the agreed terms nor the agreed rate and due to my complaint for this transaction ; I was forcibly removed from the property and I suffered from loss of property totalling into the {$500.00} range, The merchant policy to conduct themselves in deceptive and dishonest practices and then weaponize the police to complete their dirty dealings is abhorrent. Furthermore, debits on XXXX & XXXX for {$100.00} were unauthorized and among the others, must be disputed.
Consumer complaint received 2019-05-03
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. (MO)

My problem is with the 2 of the major credit bureaus inwhom I've decided to contact the FTC on due to the fact of the emotional distress they has caused me because of their failure to properly do their job has really taken a toll on me. I repeatedly requested a Method of Verification in the matter of the reinserted XXXX XXXX XXXX   account inwhich Transunion and XXXX both is in breach because they reinserted this account without properly notifying me of such reinsertion as promised with the FCRA laws. Never one have I received any notice from these 2 credit reporting agencies. I demand they these reporting agencies block the account ( XXXX XXXX XXXX  ) or produced the Method of Verification and any physical documentation to support their reportings.
Consumer complaint received 2024-09-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-14
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XX/XX/XXXX and XX/XX/XXXX. As a result, I changed my XXXX XXXX  password as this was all I could do.
Consumer complaint received 2019-05-03
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. (MO)

My identity has been compromised due to identity theft and I was left with many unauthorized accounts on my credit file and I'm requesting that the XXXX mojor credit reporting agencies either send me a certified physical copy of an legal instrument with my signature accepting these accounts as an agreement between them companies inwhich I'm disputing and I, if not then as a consumer with rights I'm demanding that these accounts be blocked immediately and permanently from my credit data/ files. 

Remove these accounts, 1 ) XXXX XXXX {$1000.00} 2 ) XXXX Consulting {$1300.00} 3 ) XXXX {$180.00} 4 ) XXXX {$370.00} 5 ) XXXX   XXXX {$460.00} 6 ) XXXX XXXX {$110.00} 7 ) XXXX XXXX {$83.00} 8 ) XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$610.00} 10 ) XXXX XXXX XXXX {$41.00} {$20.00} {$40.00} {$83.00}
Consumer complaint received 2019-05-03
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. (MO)

My identity has been compromised due to identity theft and I was left with many unauthorized accounts on my credit file and I'm requesting that the 3 mojor credit reporting agencies either send me a certified physical copy of an legal instrument with my signature accepting these accounts as an agreement between them companies inwhich I'm disputing and I, if not then as a consumer with rights I'm demanding that these accounts be blocked immediately and permanently from my credit data/ files. 

Remove these accounts, 1 ) XXXX XXXX {$1000.00} 2 ) XXXXe XXXX   {$1300.00} 3 ) XXXX {$180.00} 4 ) XXXX {$370.00} 5 ) XXXX   XXXX  {$460.00} 6 ) XXXX XXXX {$110.00} 7 ) XXXX XXXX {$83.00} 8 ) XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$610.00} 10 ) XXXX XXXX XXXX {$41.00} {$20.00} {$40.00} {$83.00}
Consumer complaint received 2019-05-03
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. (MO)

My identity has been compromised due to identity theft and I was left with many unauthorized accounts on my credit file and I'm requesting that the 3 mojor credit reporting agencies either send me a certified physical copy of an legal instrument with my signature accepting these accounts as an agreement between them companies inwhich I'm disputing and I, if not then as a consumer with rights I'm demanding that these accounts be blocked immediately and permanently from my credit data/ files. 

Remove these accounts, 1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX   {$1300.00} 3 ) XXXX {$180.00} 4 ) XXXX {$370.00} 5 ) XXXX XXXX {$460.00} 6 ) XXXX XXXX {$110.00} 7 ) XXXX XXXX {$83.00} 8 ) XXXX XXXX {$150.00} 9 )  XXXX XXXX XXXX {$610.00} 10 ) XXXX XXXX XXXX {$41.00} {$20.00} {$40.00} {$83.00}
Consumer complaint received 2019-05-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased this car XXXX of 2017. I was ontime with my payments in the beginning but i became a victim of XXXX XXXX in which i was unable to work due to XXXX XXXX, XXXX XXXX, being relocated to a harmony home because of many threats. Now i am in the process of trying to purchase a new home due to the offender being arrested and i am trying to start fresh with my daughter my credit report is not the issue. All that i ask due to me being a long term customer with Capital one and due to me getting a settlement i am able to catch up with my bills and become current. I am requesting that they give me a second chance with my life by revising my trade lines with the credit reporting agencies. I sincerely hope that there is redemption at Capital One, and i beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Regardless of your decision, please know that i thank you for helping me at a time when it was needed, and I hope to do business with Capital One again one day! I have been through XXXX and back and i am now a living testimony!
Consumer complaint received 2019-05-03
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. (FL)

I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with XXXX of my mortgage, that it is now listed as XXXX negative entries instead of XXXX. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not XXXX negative entries.
Consumer complaint received 2024-09-14
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. (LA)

I just looked on my credit report from TransUion on XXXX XXXX I saw some hard inquiries that did not have permissible purpose I also attached evidence XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

Theres been a negative account sitting on my credit report since XX/XX/XXXX being the first day they reported it and since it can only be allowed to sit there for 7 years it should have been off my credit report XX/XX/XXXX we are now in May and this needs to be deleted from my file it has already been deleted from two other bureaus but Experian has it sitting in there file for no reason I have asked that it be deleted  immediately because they continue to report it and it is time barred and it is also hurting my score ... thank u
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rubin & Rothman, LLC (NY)

On XX/XX/XXXX, I was advised by my employer 's legal department that Rubin and Rothman LLC mailed a subpoena requesting my salary information. The subpoena notes the creditor as XXXX XXXX. for a credit card account that was closed on XX/XX/2009. Thus the statute of limitation to collect for this debt has passed. 

I also received a letter from the XXXXXXXX XXXX office requesting payment 20 days after the mailing of XX/XX/XXXX. 

I can not afford an attorney, and I have never been issued a subpoena. I will greatly appreciate guidance on how to proceed. 

Thank you,
Consumer complaint received 2019-05-03
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. (CT)

I have parental federal student loans that were taken out for my XXXX children.These were taken out from XXXX XXXX XXXX XXXX ( XXXX ) and repayment on the first loan started in XX/XX/XXXX.The principal balance was {$8600.00}, in XX/XX/XXXXthe principal went to {$16000.00} and by XX/XX/XXXX principal went to {$82000.00} when my other childs loans were added.In XX/XX/XXXX I paid in {$1300.00} ( 12x {$110.00} ) ,XX/XX/XXXX{$2700.00} ( XXXX ) ,XX/XX/XXXX {$3500.00} ( XXXX  {$4300.00} ( 12x {$360.00} ) ,XX/XX/XXXX{$4200.00} ( 12x {$350.00} {$5400.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$4900.00} ( 12x {$410.00} ) ,XX/XX/XXXX {$6600.00} ( 12x {$550.00} ) ,XX/XX/XXXX{$5000.00} ( 12x {$550.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( $ 12x {$420.00} ) ,XX/XX/XXXX {$5000.00} ( 12x {$420.00} ) ,XX/XX/XXXX {$2900.00} ( 7x {$420.00} ) for a total of $ XXXX.Then they sold the loans to XXXX XXXX XXXX ( XXXX ) and they said I had a principal balance due of {$94000.00} I paid 5 payments of {$480.00} for a total of $ XXXX.I then was sold to Navient who said I had a principal balance due of XXXX I paid 7 payments of {$480.00} total {$3300.00} {$5700.00} ( 12 x {$480.00} {$5700.00} ( 12x $ {$480.00}.

In 18 years I have repaid a total of {$88000.00} and Navient is saying my principal balance is {$90000.00}??

How can I have paid in for 18  years and had no principal reduction? I have written to Navient twice and emailed questioning the interest calculations but all they offer is to lower the payments so we can drag this loan another 30 years.I got behind on payments by 30 days as I am now retired with limited fixed income and received calls and letters from XXXX  XXXX XXXX  XXXX  ( XXXX ) and questioned them on the interest calculations but all they wanted was the past due payment.

There is no way on XXXX 's green earth that I can have paid in {$88000.00} and still owe {$90000.00} are they computing the interest on the rule of 78 's Something smells!!!

Please help because my next step is an aatorney.
Consumer complaint received 2019-05-03
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. (MO)

I'm disputing the following accounts on the fact that they do not belong to me, maybe it's a mistake on the credit reporting agencies part, or it's due to fraud since my identity has been compromised months and months ago. The following accounts I'm demanding to be blocked from my credit report are, # 1 XXXX XXXX {$3300.00}, # 2 XXXX  XXXX {$18000.00}
Consumer complaint received 2019-05-03
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. (CO)

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax ; XXXX and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against Equifax ; XXXX and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX close my account for no real reason no bounce checks nothing. ( XXXX ) the branch manager seems to have issues to how I take money out as well as an issue after I use my card at the window to how I take money out. My next issue I get Cashier checks and she wants ID in which I have and ask for more ID than is required. I been doing this since I open the account. I found this to be bias ( XXXX ) the branch manager.  There was no need to be so nasty as if I cant say anything and she took it personal on me. I have also contacted an attorney to the situation of how she just for no reason closed the account. Bank of America has not or created so bogus reason for the closing of the account. I find ( Jessica ) the branch manager very bias towards her actions and have spoke to several other legal people to my rights and filing a law suit on Bank of America and there employee being the Branch manager ( XXXX ) she has an attitude towards me since the day I get cashier checks. As if I want to withdraw money is my business as well into question her on her Bias actions. I'm also filing a complaint with the US Attorney office as well as the Bank Comptroller on her actions. No notice or phone call to her actions at hand. And Bank of America on the phone tells me they have a right base on her actions. It seems very bias and XXXX motivated on her part.
Consumer complaint received 2021-02-04
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (NC)

There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live
Consumer complaint received 2019-05-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc. (GA)

XXXX : Contacted my Employer. Spoke with an associate at my place of work and ask d them to verify my home address and then to speak to me. I told them this is a place of business, and I am not permitted to take personal phone calls and to not contact me at my place of work again. They told me, Okay, well we will do what we have to do! As if to threaten me. 
XXXX : They called my employer yet again, even though I told them not to. They spoke with an associate, as I was not at work that day. An associate at my work took a message and their name and number and said they were really rude and persisted to speak with me. The associate looked up the call back number they gave her, and found that it was a debt collector. 
XXXX : They called my employer yet again, but this time it was a recording, letting an associate at my place of work know they were trying to contact me as a debt collector.