davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (NV)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX ; This is unbelievable and it's been over 90-120 days and I'm not sure what's going on. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I went to the bank branch where I opened my account at XXXX XXXX XXXX XXXX location. XXXX XXXX branch manager who opened my account was not there and told she is on vacation and there is nothing anyone can do and I would need to leave. When I left location was shocked and saw the lady and her co worker stared at me like let him rot with an evil look. Non stop calling trying to get answers I went to another location and got in touch with XXXX  branch manager of the XXXX location in XXXX XXXX. He said on phone he cant do anything and he would escalate it to the fraud dept. My situation is a night mare and no one gave me straight answer till just before and said my account is flagged due to my deposits which were normal but SunTrust has an issue. I have rent to pay car insurance bills cant eat my life has stopped since this point. If they have issue they need to take it up with me and ask find out show proof of any funds and can verify it. I need my funds asap so I can live especially in this covid-19 world. The stress and not able to sleep or think is putting a huge burden on me. By law they cant hold my funds they are not the authority by any means. The damage they are putting upon an innocent person is insane. my account # is XXXX. Please have them rectify this asap I am in hunger now and can be on the street with no where to live.
Consumer complaint received 2020-04-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NC)

Chase card services sent me my XXXX statement with a value listed as Interest Saving Balance that states pay this amount to avoid interest on your next statement. The amount was listed at {$5100.00}. The amount was paid before my listed due date on XX/XX/2020. Yet on my XX/XX/XXXX statement I was charged interest in the amount of XXXX. I believe this interest should not have been charged as I paid the listed amount to avoid the interest charge.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX Equifax - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my XXXX, Equifax, and XXXX   reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.
Consumer complaint received 2021-04-14
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: CITIBANK, N.A. (CA)

I was a victim of identity theft, I filed a Report Numbered : with the FTC and the XXXX  is the only Bureau that is still reporting the fraudulent account, every time I call stay on phone for hours they keep on giving me the runaround. 
it s a Citibank credit card account opened fraudulently.
Consumer complaint received 2020-11-28
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. (TX)

On XX/XX/XXXX I spoke with XX/XX/XXXX, Equifax & XXXX to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to XXXX and XXXX and then A sudden charge off in XX/XX/XXXX of XX/XX/XXXX to both reporting agencies. It also states on my transunuon report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with EQUIFAX to be XX/XX/XXXX which is 3 months PRIOR to reporting this to XX/XX/XXXX. This shows the inaccuracies reported across the three consumer reporting agencies. XX/XX/XXXX has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!
Consumer complaint received 2020-05-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC (OH)

On XX/XX/2020 I received a call from One Advantage collection agency. I did not know this was them until I voluntarily allied them back and they ID self. To start the call the representative named XXXX asked what balance and account was before every verifying me or giving me any information whatsoever. Extremely strange and from What I know an FDCPA violation. After this she aggressively kept asking me what my date of birth was while refusing to answer any of my questions. I asked for a supervisor several times and she kept saying I can get a voicemail. She would not tell me if her company was a first party or third party collection agency. This call was horrible from the jump and very unprofessional. She ended up terminating the call on me.
Consumer complaint received 2022-07-20
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: ENOVA INTERNATIONAL, INC. (LA)

i had a loan with net credit acct # XXXX in XXXX of 2020 i caught XXXX, i was in XXXX for XXXX XXXX  before comming home. i was home for another four months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by XXXX XXXX during covered period. that lender must report account as current to credit reporting agency, clearly this was not done
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXX XXXX XXXXXXXX XXXX, XXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify ASAP!
Consumer complaint received 2020-08-24
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. (GA)

I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. 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. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (MO)

I was not aware of this bill until, XX/XX/2020. When I ran my credit is when I found out that I owed an amount to XX/XX/XXXX ( XXXX XXXX ). I immediately called the creditor collectors, Contract Callers incorporated. I spoke with XXXX XXXX, a CCI representative. I explained to Mr. XXXX, I was unaware of this bill due to XXXX XXXX and XXXX XXXX and that I would appreciate the opportunity to pay this debt. I also explained that I was on XXXX and receiving limit funds., Mr. XXXX reduced the amount to {$480.00}. Mr. XXXX assured me I would have the opportunity to pay the bill without hassle from the collection agency CCI. I was promised the debt would be temporarily removed from all 3 credit bureau 's because I was never contacted and I was unaware of this debt. Mr. XXXX informed me that they did not have a current address for me and this is why I had not received any mailings. We ended the call with the agreement I must pay {$100.00} by the next Monday, XX/XX/2020. It was to my understanding, that if I paid this in full in a timely manner, the debt would be removed from my credit along with all negative reporting that was incorrectly reported, because I was completely unaware and had not had the opportunity to pay. 

payments XX/XX/XXXX {$20.00} paid XX/XX/XXXX {$40.00} paid XX/XX/XXXX {$55.00} paid Our agreement was met. 
XXXX XXXX {$100.00} paid XXXX XXXX {$19.00} paid XXXX {$45.00} paid XXXX XXXX {$39.00} paid XXXX XXXX {$19.00} paid XXXX XXXX {$150.00}. paid in full. 

This debt was a priority to me and I immediately went to great lengths to make sure it was paid by their guidelines and quickly. 

I have disputed this debt repeatedly on all 3 credit bureaus to no avail. CCI has failed to list any of my payments, diligence or that this account is paid in full. I have contact with them several times by phone, email and written correspondence, only to be back at the same spot I was on day one. 

I would like this debt and all false reporting of late payments and derogatory reporting removed in full as promised. To this date this account is paid in full.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

Over the course of my lease since XXXX, I have been assessed a number of fees without any explanation for those fees. In the last 3 years, I have attempted to log in online and learn more about those fees. Unfortunately, I have not been able to do so. So, I have deal with Chrysler Capital over the phone, including my call to them today. 

I have recently received a bill from Chrysler Capital. It included yet another fee. The description is very scant and just says " Assessment. '' When I called Chrysler Capital today XXXX XX/XX/XXXX XXXX, I initially spoke with XXXX. When I explained to XXXX my situation and my frustration with Chrysler Capital, she told me that would need to transfer me to another person, who should be able to provide me with a copy of the bill. I also asked her, if the company could share copies of all bills they they have received of the past three years, so that I could have a clear understanding of : a. ) what organization send bills, b. ) the amounts, c. ) why Chrysler just blindly accepted those charges. 

XXXX passed the call onto another representative. This time XXXX XXXX XXXX XXXX told me he would look into this and see, if he can share with me the requested information ( i.e.g copies of all bills ). 

Over 30 minutes later, after I started talking to XXXX, XXXX tells me that he is not able to provide me with any copies, either for the current bill ( the most recent assessment in XXXX ) or let alone for old bills. 

XXXX also tells me : " You will need to call the state and find out from the state what that fee is fore. '' I asked him what states and what organization in the state. He told me he does not know. He didn't have any names, he didn't provide organization names, he didn't share any phone numbers. 

I asked him to escalate the call and speak to his manager. He told me he would oblige. Some time later, he returned and told me that the supervisor is not available and I would need to call the state. 

Moreover, XXXX told me that I had a different address on file. So, I told him that I have been receiving monthly statements from them in mail since XXXX and at the correct address in XXXX TX. He told me he does not know how, because the address in the system is was from XXXX VA. 

So, essentially by the end of the call : 1. XXXX acknowledge that he understand how frustrated I am, 2. He told me to call the state and provided no additional helpful info ( names, phone numbers ), 3. He told me that the supervisor will not be able to call me back, 4. They are not going to wave the fees, 5. They will not be able to share copies of the bill ( s ), 6. And there is nothing else he can do due to system limitations. 

Over the past 3 years, I have accumulated over {$1700.00} in fees and I have no idea what those fees are. I still can not log into Chrysler Capital online account.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Two fraudulent withdrawals were made on my debit card and listed to an ATM at XXXX XXXX XXXX XXXX XXXX CO. Ive never been to CO and my debit card has always been on my person. XX/XX/2020 @ XXXX XXXX for {$60.00} with fees totalling {$6.00} and XX/XX/2020 @ XXXX XXXX  for {$60.00} with fees totalling {$6.00} - a total of {$130.00} taken fraudulently from my account. I cancelled my card, started a claim w/ the bank ( # XXXX  XXXX ) and received a call from Citizens Bank stating that they were not responsible because a chip and my PIN # were both used. I have contacted XXXX PD and was given a case # XXXX. They were not optimistic about being able to help me, as the ATM was in a part of town where the businesses were not inclined to help police.
Consumer complaint received 2020-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Good Afternoon - How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent in my police report to TransUnion multiple times and informed them that the XXXX account was opened fraudulently. It was previously removed but is jow reporting again. I did not open this account abd it is harming my personal credit.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IN)

I am filing a complaint against Santander, but I believe they have failed to comply with my SCRA rights. On XX/XX/XXXX, I received orders that called me onto full time XXXX XXXX duty. I reached out to Santander on XX/XX/XXXX by email and asked that they apply the SCRA benefits to my account ( lower my interest to 6 % or less and retroactively adjust my account ). I included my military orders along with this email. Since  XXXX, I have been called on to XXXX XXXX sereval times. I have included all of the orders as an attachment. I emailed again on XX/XX/XXXX to follow-up on my request, but I still have not received a response. When I log into my online account, I am unable to see my current interest rate. I reviewed my account transactions I do not see any adjustment to my account. I would like Santander to immediately apply these corrections. In the future, I would also appreciate much more responsive communication.