davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (TX)

in accordance with the Fair Credit Reporting Act XXXX  accounts 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 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 have violated my rights . 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
Consumer complaint received 2022-11-30
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: Receivables Management Corporation (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (CA)

XXXX filled my propane tank in early XXXX of XXXX without my knowledge or consent ( we had decided to use a different propane provider ). I was not on any automatic fill and in fact the account was set up so I would have to call for a fill. I did not know they had refilled the tank until weeks later when I tried to get another company to fill the tank. I also did not receive a bill for several months. I attempted to complain but really the tank was already filled and I could not have them take the propane back. In the spring of XXXX they sent the account to XXXX  XXXX for collection. I received a phone call from XXXX XXXX on or about XX/XX/XXXX. I requested information from them to verify the debt, which they provided by the end of XXXX. On or about XX/XX/XXXX I paid a settlement amount to XXXX XXXX based on their representation that they had authority to settle the debt for 75 % or approximately {$1200.00}. XXXX credited the settlement payment to my account but has not closed out the account and has now sent me to another collection agency ( ARM Solutions, Inc ) to collect a further {$480.00}. At this point all they are collecting is the {$36.00} late fees they have been tacking on to the account for the last 11 months ( the original debt was all but paid by the settlement I made with XXXX  XXXX ).  The late fees are {$36.00} per month. I have attempted to make complaints to XXXX about my account but have received no response. COVID has made it hard to contact an actual person.
Consumer complaint received 2019-03-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dream Center Education Holdings (CA)

I attended the XXXX XXXX of XXXX XXXX for two quarters in XXXX and XXXX. My mother co-signed with me for loans totalling {$9900.00}. This money was never seen by me it was transferred into escrow by the XXXX XXXX for a company called XXXX XXXX. I with you after my second quarter, and the campus I attended closed down shortly after that. The contract I signed clearly states that withdrawing entitles you to a refund so I am unsure as to why I am receiving a tax lien for the entirety of the debt. We even made a payment for the first two quarters, for almost {$3000.00}. I have sent numerous emails and attempted to contact by phone anyone from the XXXX XXXX that could assist me but have not received any replies. 
Credit report information : US Dept Ed. XXXX**** 36 months Derogatory XX/XX/XXXX Current balance : {$2600.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$4800.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$1300.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$1700.00}, opened XX/XX/XXXX, closed XX/XX/XXXX
Consumer complaint received 2018-12-16
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. (IL)

The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.
Consumer complaint received 2018-12-15
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. (NY)

The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXXwill prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (LA)

Santander Consumer USA had my car ( XXXX XXXX XXXX ) repossessed on XX/XX/XXXX. I contacted them and was told payoff was {$4200.00}. I sent the payment on XX/XX/XXXX. I waited until Monday XX/XX/XXXX to contact them again to see about picking my car up. I was told payment was recieved and that my car was released to me and given the info for XXXX XXXX XXXX XXXX. I contacted XXXX and was told they had my release and gave me the info to the lot that had the car, XXXX XXXX XXXX XXXX XXXX XXXX to pick up my car. I was able to finally get my car from them on XX/XX/XXXX. So I've now paid my car off and recieved it back. I've also recieved my title with a release from Santander with a statement stating my car is paid off. Today XX/XX/XXXX I recieved a call from Santander claiming I owe them money. No. I do not owe them. I paid them out and they gave my car back with title.
Consumer complaint received 2022-10-03
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. (FL)

I reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION (SC)

We were notified that due to too many NSF fees our account would be closed. I went to the branch and we discussed our plan to help this situation. Since then I did have two more that I was under impression I took auto pay off because the dates didnt match for a good time to be pulled out. Since that XXXX, 2 business days later my husbands and I were Immediately took from our account login and debit card accessible to be used. We received no phone call warning this or letters for this time of round. We are trying hard and I was just in the branch and its not even been 30 days to get our finances on a new schedule with my husbands new job and the branch went ahead and closed our joint acct. we have a good jobn with income and very confused and upset and hurt this credit union was not more understanding for struggling low income family like ours. We have three kids and we cant afford to just have us cut off with no date of when this would even be effective. Credit union 's are suppose to be helpful and not like your traditional franchise banks. Not one time did the bank reach out for solutions, I had to dig and go up to the bank personally. Even then it was of very little. As a low income mother just working full time to get by, a little more advice and solutions would go further then penalties, and fines everywhere. 

Please help us.. 

Date of birth XXXX XXXX XXXX Name : XXXX XXXX XXXX Last 5 of social : XXXX Joint acct ending XXXX Cell XXXX
Consumer complaint received 2020-07-06
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: I.C. System, Inc. (NC)

4.5 year ago i live in XXXX, and I move to XXXX, I contact XXXX XXXX to cancel the contract, they send me a prepaid box to send the equipment, I received 1 box and send all the equipment together, 2 weeks later i revived other pre-paid box, but i send all in only one box 2 week before, they never tell me to send in different boxes, they star charge me for the " lost equipment '', i tell does people i sending together, they don't believed and star calling me, and they put in my credit report in XXXX dispute # XXXX
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2023-05-16
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. (NJ)

I have a credit card with XXXX XXXX XXXXXXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank XXXX XXXX verifying all this. I tried contacting XXXX XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, Transunion ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX XXXXXXXX XXXX.
Consumer complaint received 2021-05-12
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. (OH)

This showed up on my credit report on XX/XX/2021, in the amount of {$1700.00} from some company by the name of XXXX XXXX XXXX XXXX. 

In XXXX, someone attempted to file unemployment in my name, also NOT me, ( I work for XXXX XXXX in XXXX Ohio and was notified by my employer someone had fraudulently filed for unemployment on my behalf, I filed a police report ). 

I'm not sure if someone had gotten the above XXXX XXXX XXXX in my name or not, however, this was NEVER my loan, I've never gotten a loan like this. I've tried disputing it to no avail. 

I will NEVER pay something that's not mine, however, it has impacted my credit score. 

I need this removed from my credit, I've tried contacting the company at XXXX and they keep hanging up on me, which just screams scam. I'll call, they get my name and email then put me on hold while they " transfer '' me and that's when the call drops, I've tried a dozen or more times to get thru and each time that's what happens. 

This is most definitely a fraudulent charge and I need it off my credit. The dispute I filed thru the credit bureau came up with nothing. 

I don't understand how someone can do this and it affect MY credit and nothing happens to the scammers involved in getting a loan with my stolen identity. 

Thank you so much for any help you can give XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/2018 I submitted a complaint against XXXX XXXX XXXX   XXXX for a debt that was not verified. The company responded stating they had sent debt verification and the debt was valid. As of this date, I still have not received validation of the debt other than an invoice received, on their letterhead, showing the amount due. I have received no copies of the original invoices, no proof that the company is legally entitled to collect the debt, no proof that the company is contractually able to collect the debt on behalf of the original creditor, nor proof that the debt belongs to me. The company continues to falsely claim that they have met their oblications under the FDCPA.
Consumer complaint received 2022-04-21
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX we opened up a Checking/Savings Account with Bank of America. Acct # ending in XXXX. XXXX XXXX and XXXX XXXX This account was opened because we opened up an installment loan with Bank of America for Recreational Vehicle. We were told that this account is needed to get the installment loan. In XX/XX/XXXX I found out from a representative that the only way to avoid the monthly fee on the account is to have an installment loan with Bank of America, which I do. 

The representative transferred me to complaints and reviews. I was told by the Manager that they can not stop the fees because Bank of America no longer offers RV loans ... 

I don't care that they no longer offer them. First, I should never have been charged the fees to begin with. If we go all the way back, we are looking at least {$860.00} in refunds for these fees from XX/XX/XXXX to the present. During this time and our contract for the checking account, we have maintained and have an installment loan with Bank of America. 
We requested the fees be reversed and stopped. I have not received any written response or reversal as of today. It is past 30 days.
Consumer complaint received 2019-03-26
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. (FL)

My name is XXXX XXXX. I place a fraud alert on my account XX/XX/XXXX. The thieves are still continue to access my credit. I recently reviewed my credit and saw new fraudulent accounts and inquires showing on my report. I didn't not authorize any of this activity. I need to be notified every time my credit is accessed at XXXX. I put this info in my fraud report in XX/XX/XXXX. I have my lawyer XXXX XXXX looking into this situation as we speak and we are in the process of filing a lawsuit. These are the accounts and inquires in question ( EXPERIAN ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX INQUIRES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1200.00} INQURIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent address XXXX XXXX XXXX XXXX PA XXXX ( XXXX  ) XXXX  XXXX XXXX {$1200.00} BAD ADDRESSS XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian NCAC Email : XXXX XXXX XXXX XXXX XXXX  Experian NCAC XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Experian 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 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 We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have placed a formal complaint with the CFPB in regards to XXXX XXXX The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.