davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (GA)

I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XXXX I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information.

I also showed proof that this account was previously deleted and I provided the report # associated with this information.

They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.
Consumer complaint received 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sensible Auto Lending, LLC (MS)

The company listed below A few days ago, I spoke with a representative from Sensible Auto regarding a duplicate payment made on my account. Sensible auto made a payment to another persons account with my banking information. 

We were told that the funds would be returned. However, the funds have not been returned. 

Fraudulent transactions information : The payment was made to a different account holder. I live in Mississippi and the payment was made on behalf of an individual in New Hampshire. 

I have provided pictures below. 

Office mailing address Sensible Auto XXXX XXXX XXXX XXXX, CT XXXX XXXX Insurance lien holder Sensible Auto XXXX XXXX XXXX XXXX, GA XXXX XXXX Fax ( XXXX ) XXXX
Consumer complaint received 2018-11-17
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. (TX)

Cancelled wireless account XXXX with XXXX well within their early termination period. Account has since gone to collections. Have contacted XXXX as well as collection agency requesting a debt validation letter which both parties refuse to provide.
Consumer complaint received 2022-12-14
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. (PA)

XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

Nel net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is a new claim regarding the previous claim # XXXX that was closed but I have never received a response from the bank or resolution offer or notification. 

I have been a customer of Bank Of America travel rewards card for 9 years. I had set-up an automatic payment every month of {$150.00} dollars. Today I found out through a letter that I have been short on the minimum payment for 4 months, since XX/XX/2022. I was never notified about this issue until I got the past due letter in the mail this weekend. I was charged {$39.00} dollars per month for the last 4 months. When I called the bank today I asked why they couldn't send me a letter or an alert notifying me about the payment that was short and why they waited me to be over 2 months past due to send a letter. They stated it was my responsibility to check my statements but I failed to do so. I asked again, why they took the step to send me a letter but couldn't notify me sooner. When I mentioned I wanted to pay the amount past due I asked if they could waive the 4 late fees when I actually did make a payment but it was short on the dollar amount. They said they would only try to waive the fee after my payment was processed. I felt very disrespected and they were extremely condescending. Then I decided to ask them to close my account and that I didn't want any more business with BOA. Then I asked for a payment plan or for them to lower my APR so I can pay my remaining balance accordingly, which is a little over {$5000.00}. They said there is nothing else they could do for me. Can someone help me getting these fees refunded? And set up a payment plan without these extremely high interest fees? I appreciate and thank you! XXXX XXXX XXXX account # with BOA : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-17
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. (CA)

XXXX XXXXXXXX XXXX ( XXXX ) claims I did not make my XX/XX/2018 payment and is reporting it late on my credit report. There was a XXXX dollar balance on that account and there was no payment due. So no payment was made for the XXXX because no payment was due. XXXX has blocked my online access to this billing statement and I can not get access. 
I requested online through the XXXX website XX/XX/2018 for a copy of this statement. Today XX/XX/2018 I called XXXX and made a verbal request for a copy of that statement. 
XX/XX/2018 billing statement for the period XX/XX/2018-XX/XX/2018 had a current due amount of {$31.00}. Plus a {$36.00} late charge for XX/XX/2018 which had a XXXX balance. I made a {$50.00} payment to XXXX on XX/XX/2018. XXXX has reported that my XXXX payment is delinquent to the credit all 3 credit agencies. 
Additionally I have made a {$200.00} payment to this account on XX/XX/2018. 
XXXX is reporting two months of delinquent credit card payments which is incorrect. If they would provide me with a copy of the XX/XX/2018 statement it would prove that they are in error but as of now XXXX has blocked my attempt to access this information. 
I am attaching a screen shot of my account statements showing the XX/XX/2018 is not available online for my access.
Consumer complaint received 2023-08-10
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. (NV)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2018-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX  both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX collection agency was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. Experian hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or experian and XXXX. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray exerian XXXX  and XXXX recognizes the urgency in fixing these errors.
Consumer complaint received 2023-07-04
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There has been a delay in getting answers and a resolution regarding my Equifax settlement funds. During my call on XX/XX/XXXX, I asked the representative for the date the check was sent out and tracking number so I can provide the information to authorities. The representative at XXXX was not able to provide me with this information. I asked for a supervisor and was told 'the supervisors are busy '. 

I asked if they had another number they can provide me and was told there was no other number for their court appointed equifax settlement department. I was told another inquiry would be put in and I would receive a call back from XXXX but was not told when I would receive a call back or who would be calling me stating they can not provide me with any supervisors names in the Equifax specialized department. 

I was told a representative called me on XX/XX/XXXX ; however, my records do not show a phone call from XXXX. When I asked if the supervisor would be using a different number to call back I was told the only number used by their supervisor is XXXX which is an answering service. I was told that scheduling a call back was not possible. 

Upon requesting the date the check was mailed out, tracking information and confirmation a stop payment was placed on the check ; I was told the inquiry would be escalated to the administrator ( with no name or contact number ) - again.
Consumer complaint received 2018-11-17
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. (LA)

I am having issues with Experian trying to remove old accounts that should not be on my report. I called and had the worst experience today. The person did not understand my request. She kept asking what I what. Then I asked where she was from and she replied XXXX XXXX. Asked for a USA rep and she said " no '' then I hung up. 

However there is two accounts that need to be removed per a payment agreement that was done 3 years ago since I paid them out. 
These two account should be delete or remove- XXXX , XXXX XXXX XXXX, XXXX XXXX, MN XXXX, phone ( XXXX ) XXXX and XXXX  XXXX XXXX  , XXXX XXXX XXXX, XXXX XXXX , NV XXXX Phone ( XXXX ) XXXX. 
If Experian had better works that know what they are doing, then I would not be going through this. This about my 5th request to remove these. They are not on my other two reports, so why can Experian make sure the reports are updated?
Consumer complaint received 2018-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DataMax Corporation (NC)

These accounts with your company have been reported to my credit report fraudulently .... I have been dealing with issues of identity theft where someone has been using other people addresses to open fraudulent accounts these accounts that I recently discovered are on my credit file and need to be removed asap from an XXXX  XXXX XXXX. I got their information the first of XX/XX/2018 and have been mailing them advising them of this issue and they have not responded or removed this fake accounts and they are out of compliance and continue to report information that they know not to be correct
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (ID)

I did a credit application to see if I qualify, there was no indication that a credit card would be opened at all. I did this application on XX/XX/2018. They said I was approved but never mentioned I'd be getting a card. This was a timeshare presentation with XXXX XXXX.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (GA)

I checked the loan application along with the contract and the original loan amount and fees do not match. I reached out to the dealership, but they are no longer in existence. I reached out to their parent company and they no longer have the records. ( They were supposed to keep them for 5 years. XXXX would make 5 years. ) I asked in a previous complaint for a notarized account ledger, but was denied, which is a violation of TILA. That was regarding payments. This complaint is for the overall agreement- which makes this a new complaint. I have attached pictures of the contract and finance application that ACA- the assignee, of which was not the original seller- who bought the accountant, which makes them liable, for fraudulent accounting. 

The complaint is fraudulent financial practices. The contract and the application amount are different for how much the cash value is and how much was truly owed. There was an undocumented up charge to in cash value and how much was owed, and was told that {$1000.00} cash downpayment was mandatory. 

In this matter, I would like to see the notarized accounting ledger, and for this issue to be resolved.
Consumer complaint received 2022-12-14
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX Trans Union To whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates 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 XXXXXXXX U.S. Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - [ ]
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela states processing time of loan documents of 90 business days from receipt. Error was made on their end and form was sent back to reprocessing. Was told will take another 90 business days likely XX/XX/2023. All other forms that were sent in have been reprocessed XX/XX/2023 ( 90 days from original receipt ). Loan forgiveness and grant approval is pending the processing of this form.
Consumer complaint received 2018-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Credit & Collection Corporation (TX)

{$460.00} XXXX credit card debt went to collections. Debt was owned by Global Credit and Collections. I received a notification via mail that I could settle the debt for {$290.00}. Check was dated XX/XX/2015 and was deposited into Global 's bank account. My account number is referenced in the memo line. I have a copy of check image with deposit stamp. Called Global and they said since they no longer own the debt they can do nothing. 

XX/XX/2015 XXXX XXXX owned debt and has been trying to collect. XXXX has asked for me to fax the check image, which I have done 3 times to no avail. Paid debt remains on credit report and I have been dinged several times by XXXX