davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX I have never owned a credit card from them. 

DID NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I had filed a couple previous complaints and am asking if this new complaint and information can reopen the previous two cases I had to replace my battery not long ago and the receipt is attached, I also was informed that upon getting my mainfold bolts replaced on passenger side only, that my ABS Module Sensor was bad, my Heater will need to be replaced due to no heat, and that i will need to reschedule another day so that my drivers side maifold bolts can be fixed as well. 
Upon, Leaving the VA, I went to XXXX next door, I pulled out a Blower motor Relay to check if it was blown and the ABS Module relay, in which, XXXX relays had some corrision on them, I went into XXXX to see hiw much these relays would be. 
Upon leaving XXXX, I started the truck fine and let it warm up a little more, I than went to put the Truck into Reverse and found the I could not shift from park to reverse. 
Upon exiting the Truck, Observed that the headlights flashed several times, than I found that my rear light tail light was the only one working as to my drivers side headlight only worked, I reset the eletronic control module by touching the positive and negative battery cables together for 30 secs. The end result was the same. 
When calling XXXX Premium Extended Warranty for Approval, They informed me that it would cover XXXX, meaning to me that the tow was covered, I get a call from the towing company informing me of an unpaid balance of XXXX dollars which needed to be paid first? Not understanding any of this I paid it, the tow truck driver didnt understand why that was said when my warranty covered the deductable for XXXX dollars. 
I am asking if there is anything you can do or make any calls to Credit Acceptance or XXXX in order for me to get a rental car at there expense come Monday afternoon as the truck has been sitting at the Mechanic Shop since Tbursday and wont be looked and diaginosed until monday and hard telling when all other items will be fix and how long it will take. 
I feel that Credit Acceptance should be become more liable an or enforce the vechile contract onto the sellers at this point and make them liable as they would have me if i was to violate the purchase argeement that was signed by me and the seller. The seller sold me a truck and hidden details about the truck and did not disclose the vechile history or repairs thst the truck has gone through, in which i did not become aware thst they were suppose to when until i reread through the vechile contract.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (CA)

Dear Team, I have received lot of pre approved/ pre selected offers from below companies in email from Experian. but when i applied to them i was denied and it caused me accumulating Inquiries on my report -XXXX XXXX ( Secured Credit Card ) - XXXX XXXX Dear Team , I  had a credit Card with XXXX XXXX for which i was Late for XXXX  payment in about 2 years they closed my account and Marked my account for Late Payment when i was out of country. which badly hurt my Credit Report. i request XXXX XXXX  to remove the Late Payment as it was not deliberately done. the Customer service representatives from XXXX XXXX put me on run around for couple of months and asked me to apply for new account etc which caused me to add Hard inquiries on my account. 

- XXXX XXXX Credit Card
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

Regarding the XXXX statement dated XXXX an erroneous interest charge was applied to my account for {$1.00}. A payment of {$370.00} was submitted thru XXXX bill pay service on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The payment amount made covered the Standard Purchases of {$160.00}, paid in full. The remainder of the payment of {$200.00} was to be applied to the Balance Transfer amount of {$2400.00} which incurs no interest payment through XX/XX/XXXX. The balance transfer amount after this payment was applied is {$2200.00}. 

Regarding the XXXX statement dated XXXX an erroneous interest charge was applied to my account for {$2.00}. A payment of {$260.00} was submitted thru XXXX bill pay service on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The payment amount made covered the Standard Purchases of {$60.00}, paid in full. The remainder of the payment was to be applied to the remaining Balance Transfer amount which should have resulted in {$2200.00} - {$200.00} = {$2000.00}, incurring no interest. 

Regarding the XXXX statement dated XXXX an erroneous interest charge has been applied to my account for {$2.00}. 
My Balance Transfer amount erroneously shows a total of {$2100.00}, whereas per Paragraph 2, my correct Balance Transer amount is {$2000.00}, incurring no interest. 
The statement indicates a Standard Purchases amount of {$210.00} which I intend to pay before the due date, along with a {$200.00} amount to be applied to the balance transer amount which incurs no interest. This payment is due XX/XX/XXXX. 

During my initial phone contact with Citi customer service, the agent saw the discrepancies & attributed it to a " System Glitch ''. She said within the XXXX statement an erroneous {$95.00} balance subject to an interest rate of 20.74 % had been made and offered to refund the {$1.00} interest charge & that a correction within the system would be applied. However the subsequent 2 statements have not applied the correction to the interest charges made & to the erroneous balances appearing on my Balance Transfer remaining amount owed. 

The initial balance transfer fee of {$90.00} was paid in XXXX, XXXX well before the due date of XX/XX/XXXX. The original amount of my Balance Transfer was {$3000.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (NY)

Today I have checked my credit reports. I noticed on my records 1 account in collection. This account should not be on my reports because it has been more than 7 years from the date of the first delinquency.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to Experian, XXXX, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to Experian, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for XXXX  or Experian to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for Experian, XXXX, and Experian. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NV)

I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Finally, XXXX sent me an itemized invoice. They then proceeded to attempt to give me the run around by saying they'll send me an affidavit to complete, I told them that was total nonsense when I'd already sent them my official FTC affidavit. 
I will now stick to the guidelines given me from law enforcement directly and will no longer go back and forth with XXXX.
Consumer complaint received 2023-01-03
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. (SC)

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, {$1100.00} Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.
Consumer complaint received 2022-09-16
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. (NY)

REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS. 

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX - ATTACHMENTS BELOW.
Consumer complaint received 2022-07-30
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. (TX)

I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

I realized upon pulling my credit report that Aargon Collection Agency reported {$430.00} as an overdue electric bill from XXXX on XXXX XX/XX/XXXX. I have never received a bill or notification prior to seeing this on my credit report. I filed a dispute with XXXX   and after two days received an email that my dispute was resolved. When I checked the report it only noted that account had been updated. No information was provided by Aargon, but they are still reporting it as a collections account. I called Aargon and made it clear that I do not owe this debt and after still trying to get me to pay it just to get if off my report I was told by the agent that they had no proof of ownership of the account, but they could request it. The Aargon agent also stated that its unlikely anything will change as we are just two people working against the XXXX XXXX XXXX. At this point, I feel that a company was allowed to add something to my report without any proof the account even belonged to me and there is no reasonable checks and balance in place by XXXX  that allows for me to contest the account. XXXX  only offers the ability to challenge if again with additional documentation since the account isnt mine, I dont have additional documentation. I need help with this please! It is impacting my security clearance as a military member.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have automatic text message notification set up with my bank of america accounts. On XX/XX/2020 two automatic insurance deductions ( that are scheduled and usually occurs on the XXXX of each month ) were paid resulting in a negative balance to that particular account ( I received NO notifications and BOA charged two separate {$35.00} overdraft fees for transactions from the same insurer ( XXXX XXXX XXXX. Additionally, please note although requested BOA would NOT provide me with details particular to the deductions such as the time received/paid. 

The next morning XX/XX/2020, when I logged on and noticed the issue with that particular account, I transferred money that was in another account to bring it current and then contacted BOA. 

I expressed the following concerns : 1. I had received NO notification of the overdraft ( although historically, text messages were sent ) 2. Had the text message been sent as was historical practice ... no time between notification and placing the appropriate money in the account would have passed. 
3. The date I agreed and have had the deductions made from my account beyond a holiday was the XXXX NOT the XXXX. Payment should have been rendered on the appropriate day- NOT A DAY EARLY -- and the cash would have been in the account. 
4. I requested the time and date for deduction XXXX XXXX was received and paid. I was told by Manager XXXX XXXX that BOA does not collect or maintain that information. 
After discussing the above I requested that the two over draft amounts ( total {$70.00} ) be returned to my account. 

Despite escalation to Supervisor XXXX XXXX and then her Manager XXXX XXXX I was told that they would return one overdraft of {$35.00} and that I should be grateful for that. I voiced my objection and asked that the matter be escalated -- according to XXXX XXXX none of the 3 upper managers were available but I would receive a call from " someone '' within the hour. 

Now several hours later BOA has yet to respond to my complaint or return the funds in total ( additional {$35.00} ) that was taken from my account. 

I am asking for an investigation as I am sure that other " small amount '' BOA bank users along with myself continue to suffer the inappropriate removal of funds from accounts. 

The loss to customers such as myself must be in the hundreds of thousands at this point ; and if unchecked this practice will continue.
Consumer complaint received 2022-07-14
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2020-04-29
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$5900.00} XXXX/XXXX   XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX/XXXX   XXXX {$440.00} XXXX XXXX  XXXX {$570.00} XXXX/XXXX  XXXX {$40000.00} XXXX  XXXX  XXXX {$2600.00} XXXX/XXXX   XXXX {$410.00} XXXX  XXXX {$5500.00}