davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  shows XXXX  account # XXXX was first 30 days late in XX/XX/. In the comments it shows as of XXXX i was delinquent. The balance they charged off shows to be XXXX but the amount they are collecting is XXXX. They cant add interest after they charged it off. My credit report has false data, two different dates it was charged off and two different balances. This needs to be removed from my report. 


XXXX XXXX  XXXX shows XXXX was 30 days late and XXXX on another part of my report. It shows in XXXX it was charged off for XXXX but they say i am owing XXXX. Once again interest has been added. 

They also report me living at XXXX XXXX XXXX XXXX XXXX tx. I have disputed this with transunion and XXXX. They refuse to remove the false date.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am contacting you to request the prompt removal of specific accounts and associated information from my consumer report. It has come to my attention that these accounts should not be reported, and their presence on my report violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I kindly ask for your immediate attention to this matter to rectify the situation in compliance with the applicable laws. Please remove the mentioned accounts and information from my consumer report as soon as possible. Thank you for your prompt assistance.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On XX/XX/2015, I brought my son to the Emergency Room at XXXX XXXX in XXXX, MI with a XXXX  on his XXXX  that I did not want to get infected. As we were about to be released, the doctor took a last look at my son 's XXXX  and decided he should go to University XXXX XXXX   XXXX XXXX Hospital in XXXX XXXX, MI. He stated they would arrange the transportation. XXXX XXXX XXXX transported my son the thirty-two miles to XXXXXXXX XXXX XXXX Hospital in XXXX XXXX. Their billed rate was {$1100.00}. My health insurer at the time, XXXX, was ending my plan at the end of the year as they were purchased/merged with XXXX. The claim number is XXXX. After much time on the phone to remedy the billing issue, XXXX ( now part of the XXXX family ), issued payment to XXXX XXXX XXXX their contracted rate, {$880.00}. For some reason, XXXX XXXX XXXX charged the difference to me instead of contacting XXXX/XXXX  for any billing discrepancies. My coverage plan contract covered 100 % of the charges after I met my family deductible ( which I did meet ). Due to the length of time it took to resolve, it has been sent to collections and subsequently damaged my credit rating. I should not be responsible for the lack of communication between a Healthcare Insurance provider and its contracted vendor. The collection agency which represents XXXX XXXX XXXX XXXX Merchants & Medical Credit, will not listen to anything I have to offer, excepting method of payment. Thanks in advance for taking the time to read.
Consumer complaint received 2023-02-10
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: MoneyLion Inc. (FL)

I had a small loan thru moneylion {$1000.00} I paid it off early on XX/XX/XXXX 10 months early because Im trying to buy a home they report on XXXX of each month but they reported on XX/XX/XXXX on XXXX that i was 30 days past due and over line of credit XXXX same on XXXX on XXXX they reported XX/XX/XXXX XXXX balance I owed I have email from them on XX/XX/XXXX Paid off I called them on XX/XX/XXXX when i saw the updates I spoke with a supervisor he opened a escalation and told me it will be fixed in 30 days I told him no I need it now I need to close on a house he said 30 days again so now it has been 30 days i checked all 3 credit bureaus today XX/XX/XXXX same amounts still showing I called moneylion back they said they will open a new escalation 30 more days I said no no no I demand to speak with a supervisor NOW he said hold on then he said the supervisor said ok to hang on me and that escalation dept will be in contact within 30 days I cant buy my house till I gets this corrections my lease up I had to move my furniture to storage having to move in with my sister because I dont want to lease again I want to buy the house
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have collections on my consumer report that are against the law. As determined by Congress, the credit reporting agencies are all violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ).

Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and closed end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

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 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (TX)

We had some late payment on out account due to the Covid 19 Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 4.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX sold info to a non affiliate third party XXXX XXXX company. That is considered identity theft, I don't believe that XXXX XXXX XXXX have proper paperwork to collect in Fl. Also uploaded a letter decribing all of the consumer laws broken by XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

Its about the covid-19 relief program. When people are out of work and dont have money to pay the bill. The program they offered was to enroll in program they require you pay in my case {$430.00}. Just to enroll. Thats not help thats gouging a customer of over 20 years. I asked for a deferral and was denied cuz they are the only company not offering them.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (VA)

1. XX/XX/2020 -- I have 2 accounts with Kia Finance for leases on 2 XXXX XXXX XXXX cars bought at the same time. Account numbers are almost the same but last 2 numbers ending in XXXX and XXXX. Kia Finance started mis applying my payments and putting both payments on the XXXX account in XX/XX/2020. 
2. I would have to return their calls about a missed payment and wait on phone for 30min to 45 min each time and frequently have to call back because they had a rule that if phone conversation took longer than 3 minutes they would drop the call. I did not find this out til XX/XX/XXXX by a customer service representative at Kia. 
3. Kia Finance did not take responsibility til I spoke with a supervisor XX/XX/XXXX who directed me to send in the notarized letter attached. She said they were mis applying payments to the wrong account and she would have this corrected. 
4. I have an attachment of the corrected file from Kia of the mis applied payments but they made it so my payments were late. They have dings on my credit file for XXXX and XXXX on both vehicles. I have never been late for any payments ever with any company. Feel free to check my credit file. I have called and ask them to fix this several times without any results. 
5. I attached and included my bank statements of check payments and also the on line payments they made me do because they kept calling and harassing me that my payments were late on the XXXX account. They had both of my payments on the XXXX account. 
6. This is not the only problems I had with Kia Finance. I almost did not get to move from XXXX  to XXXX  because Kia would not give me the paperwork to transport my vehicles to XXXX. They would be nice on the phone and say they were sending but they would never send. It took me 6 months to get the transfer paperwork for the dock. 
So many phone calls and so much of my time. 
7. Once I was in XXXX  XXXX XXXX XXXXhen claimed they did not approve to send my vehicles to Virginia and would not release the information to the DMV for me to register my cars. So many phone calls and so much of my time. I now have the paperwork and my cars are registered. 
8. It has been a nightmare working with this company. It seems like it is costumer support issue and mis management of policies from the top. The company has a process in place to make you get completely exhausted calling and waiting to ask the same questions. 
9. I can not get a home loan because of these XXXX and XXXX dings on my credit for this lease. These are the only things wrong on my file and the mortgage company is saying to fix this and they will give me my home loan. 
10. I hope by reporting Kia Finance does not make my problems worse because this seems to be their process. If you call and complain about anything, they just make your issues worse. My guess would be that the nice people on the phone are hiding their mistakes because the upper management are firing staff.
Consumer complaint received 2023-07-31
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. (PA)

I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : 1. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
2. Why is this third-party entity negatively impacting my credit score? 
3. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
4. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2020-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (AZ)

When I began the loan application process I was given misinformation about the cost of the loan It's {$900.00} I was told that I would be charged a total of {$130.00} for borrowing the {$900.00} a total. 

later when I called in to inquire about it the loan I was told that I have 17 more payments which doesn't make sense considering my first payment was like {$130.00} and the second payment was over {$200.00} I called in to check and they told me that it was basically going to cost a lot in interest for the loan so I'm having to pay off the entire thing at {$850.00} this XX/XX/XXXX When they spoke with the representative after getting the loan and inquiring about the cost and the misinformation that I received I was told that no I'm wrong The person told me correct and that it was in the contract paperwork that I signed I did not see any of that if I had I would have known that they aren't a true financial institution interested in helping people that they're only interested in lying people so they can turn profit and I never would have done business with them That's false marketing lying using your customers for a number so you can pad your pockets And how was that they don't even report to the credit bureaus which is my fault cuz I forgot to ask that question but I mean come on if you're going to super overcharge me and use me to turn profit you might as well at least report to credit bureaus so that I might get something good out of it This is a waste time stressful XXXX and I hope your company receives the karma they are due
Consumer complaint received 2023-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank America Accounts Ending XXXX I opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. 

XXXX XX/XX/XXXX I opened a Safety Deposit Box at XXXX XXXX Bank America Branch in XXXX CA. I Deposit my Mother ; Grandmother ; Great Grandmother ; Wedding Ring value {$50000.00} As a Historical Heirlooms 18 Karat Gold ; 1 Carat RubXXXX Stones ; AND 2 Carat Diamonds Cute Wedding Historical Heirlooms from XXXX Era. 

XXXX Covid 19 requires Bank America close 25 % Branches in California downsizing. 
XXXX Covid 19 Pandemic Layoffs Governor XXXX XXXX Ordered stopped Payments 60 days on XXXX XXXX Edd Unemployment benefits due to Massive fraud. 
XXXX Bank America seized my {$3000.00} Certificate of Deposit Account that was linked to My Safety Deposit Box contains Mother 's Historical Heirlooms {$50000.00} 3 Carats Golden Diamond Wedding ring and sold the Ring to State Of California due to no transfer $ XXXX  yearly annual Safety Deposit Box fee from the Covid 19 Seized Certificate Deposit Account linked to Safety Deposit Box with Mother 's Golden Diamond ring {$50000.00} Heirlooms. 

XXXX Covid 19 Bank America closed 25 % Branch in California and XXXX XXXX XXXX XXXX XXXX California where my Safety Deposit Box Mother 's {$50000.00} Golden Diamond Ring Heirlooms. 

Bank America has had my current address since XXXX Opened Current Bank America accounts moving XXXX from XXXX California to XXXX XXXX and Present Residential XXXX XXXX XXXX XXXX CA. 

Bank America never called or notified Any my XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX
Consumer complaint received 2020-07-22
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: Experian Information Solutions Inc. (OK)

i askes XXXX  to verify that information on my credit report is reporting 100 correct. XXXX  fail to reply with in a timely matter
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

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. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020