davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I gave the company a check as a form of payment and the lady sent my check in before my direct deposit was put in my account and the credit union I bank returned it back to the company and now the manager at the loan company talking about everything is coming due all at once instead of putting it at the end of the installment payment because this is the first time my payment was returned because all my other payments was paid she is being difficult to work with on this account that I got approved with XXXX XXXX and tower loan is the finance company for them I only have XXXX payments left to pay but tower loan is being hard to negotiate with me please help me with them.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

There are several accounts showing on my credit report with activity ( both charges and payments ) I am not responsible for. These accounts are unknown to me, and I was not aware of the debt until I viewed a credit report earlier last year, and then began disputing. I have repeatedly given them FTC reports, and disputed with credit bureaus and it is not getting resolved. They send dismissive letters that do not adhere to the FTC notice to furnishers regarding my rights. They do not send the application and receipts ( proof ), delayed closing the accounts, and basically just ignore the requests I make or dismiss them.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

Enhanced Recovery at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$490.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

citi has decreased my credit limit from about {$15000.00} to {$500.00} only because I have paid the us postal service adress change {$100.00} with the citi card and their non sense programs have blocked the card for further use, during the holiday season, from about XX/XX/2020 up to today the card was not usable because they have placed a block on the card simply because I used the card to pay {$100.00} they have decreased the credit limit but their complaints are increasing There are many online complaints for the same citi non sense : cards are bocked when used and credit limits are decreased when card are used citi cards can be requested, but no one have to use the cards, otherwise they will block them there are many stories about their fraud non sense department and their psychological problems
Consumer complaint received 2021-02-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (WI)

Santander Consumer USA at XXXX XXXX XXXX, XXXX, TX XXXX has been reporting false closed account information in the amount of XXXX {$9000.00} ) the collection has been reported as XXXX balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing the inaccurate information about my student loans, since XXXX and XX/XX/year>. 
I have filed two CFPB complaints XXXX and XXXX. I have also filed a complaint with the Illinois State Attorney XXXX. 

I have asked TransUnion to verify the information they are reporting is inaccurate and they refuse. I have given TransUnion an original copy of the document of what needs to change. TransUnion has blocked me from getting an annual report online. I have reached out to the following companies, 1. I have provided copies of all my student loan documents showing they have been forgiven under the PSLF, They have not verified the information with the Department of Education 2. I reached out to the Furshier ( XXXX XXXX ) they returned the letter no response from TransUnion 3. I reached out to the courts asking if TransUnion verified the accounts, and they stated no one reached out and they do not report information to the credit agency.

4. TransUnion reports information without verifying the information the other two agencies have changed the student loans after three letters to them and a letter from the State Attorney 's office.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I paid merchant {$89.00} + {$99.00} for services that were cancelled due to COVID-19. The merchant sent out an e-mail explaining to customers that they could request a refund no questions asked. I accepted their offer and requested a refund total of {$180.00} for the cancelled services and was refunded. However, my account was charged by the merchant again unauthorized. I have contacted XXXX to dispute the charges and the merchant requesting refunds for this second set of charges. I have spoken to several XXXX customer service representatives and they reassure me that they see the mistake and that the merchant has recharged my account after processing a refund, they reassure me that I should see the full refund of {$180.00} in my next billing statement and it has not been processed after 11 months of countless disputes.
Consumer complaint received 2022-11-18
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. (SC)

Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney XXXX XXXX. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (FL)

XX/XX/XXXX I received an email alert from XXXX XXXX stating, " Hi XXXX, A new inquiry was just added to your XXXX  credit report. XXXX This could affect your score, but the change will make less of an impact over time. 

If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. '' When I checked my current credit score it showed that it had dropped a few points due to an inquiry made by SALLIE MAE BANK ... I have never done business with this entity nor have I applied to open a credit-line or open a loan from them. 
Is this someone trying to commit identity fraud?
Consumer complaint received 2020-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (WI)

I was recently denied a credit card and when I reviewed my credit report I saw this fraudulent account on my credit files. I have never conducted business with the company reporting this debt LJ ROSS Associates XXXX XXXX {$1900.00}. This account is not mine and I have notified the credit bureaus that this account is fraudulent.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I intended to make a cash deposit of {$3500.00} into my Chase checking account using the outside ATM. As I continued with my deposit I noticed an error with the machine when it counted the {$3500.00} as a {$1800.00} amount. I pressed the cancel button on the ATM thinking I would be returned the {$3500.00}. The machine returned {$2000.00} of my initial amount of {$3500.00} resulting in a missing cash amount of {$1400.00}. I contacted the branch of XXXX where the problem occurred and filed numerous claims to resolve this problem. Chase customer support was very rude and disregard my financial lost. I was told I would receive a credit to my account meanwhile the investigation takes place so that I wouldnt have issues with my finances. I never received the said credit. Its been over 2 months and Ive not received my money, I have fallen behind on my mortgage and bills.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

The accounts reported by XXXX XXXX XXXX XXXX ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, Please remove this spelling of my name on the XX/XX/2023 credit report - it is spelled wrong : XXXX XXXX Attached to this complaint are : - Section in Experian report which displays this wrong spelling of my name - My drivers license for ID and address - My social security card
Consumer complaint received 2021-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

THIS IS NOT A DUPLICATE COMPLAINT. 

At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! It your own dumb-ass fault XXXX XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! The staff here is poorly trained and unprofessional, how could you not know your job? Playing I don't know 's with somebody life. The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. The IRS inform that they can not send me out another check, I would have to go to the website and fill out a 1040-SR form this will take months. I can't buy food, sorry! I can't pay my light bill, sorry! Take it up with the IRS, have them send you out another one, sorry! So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! I the XXXX no help either. Your TD Bank branch people should be fired. I am without food and can ' pay bills, what am I suppose to do? 

Was sobbing me eyes out TD Bank could care. 

I have email the head of TD Bank 's departments. 
Will take legal action if I am not compensated, your bank broke the law.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This debt is an educational loan through XXXX XXXX opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Consumer complaint received 2021-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

On XX/XX/2020, I was shopping online for personal loan, I started from the website of a online lending platform called XXXX XXXX, the webisite have said that they will not do a hard inquiry on my credit report. Then OneMain Financial, which got my information through XXXX XXXX, approached me via email to ask me to apply for the personal loan, after I typed into my information, without any notice, they have conducted a hard inquiry on my credit report which cost me 14 points. I would not give them my information if I was notified that OneMain will do a hard inquiry on my report.
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (MD)

I have contacted Equifax on numerous occasions to discuss the different accounts and inquiries on my credit report that should be deleted. I have been told that I need to contact the companies about the inquiries and have them delete the information but I have contacted the different companies and they stated the credit bureaus can delete the information. I have explained this information to Equifax over and over again and they continue to not delete. I just want the most accurate information reported and right now that is not the case.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

1. I fought the township and village tax amount with the township starting in XXXX  of XXXX ... immediately upon receiving my tax assessment. I won and they adjusted the amounts. This process took a few months due to COVID and I had to go to the state after the township initially did not lower the tax amount by enough. 

2. Due to the timing of taxes being paid the above settlement being completed, I was sent indicating I was short on my escrow by a substantial amount. 

3. Since XX/XX/XXXX I have had approximately 10 communications ( started with email and switched to calling since I did not receive responses to emails ) with United Shore Mortgage regarding my escrow account since I needed to know the correct amount to pay and the village had indicated they never received payment of my taxes and therefore was late. During these communications I was promised call back from supervisors which I never received ( more than once ), promises to resolve the problem, etc. I only finally made progress as to the issue when I demanded a conference call with the mortgage company, XXXX XXXX tax dept, and myself. During this time they increase my monthly payment since they said I had a shortage on my escrow. 

4. The last 2 communications were as follows. I spoke with XXXX and she indicated she would request an reanalysis of my escrow so a final amount could be determined if I was still short and what my monthly payment would be. She said when she calculated it, my monthly amount should go down but was not the official analysis and since she requested on XX/XX/XXXX, it would be done not for my XX/XX/XXXX payment but it would be for my XX/XX/XXXX payment. I received my XXXX bill and it has not changed and when I went on line the reanalysis of my escrow was not done in XXXX nor XXXX yet. I called United Shore Mortgage back on XX/XX/XXXX and once again was given the run around ... they would request to see what is going on. I told him I wanted a call back tomorrow or I'm call my lawyer and XXXX XXXX XXXX I also told him I would be going to submitting a complaint. 

5. I will not be attaching documents as the mortgage company should have all of these and at this point in the process they have what they need to finish the job.
Consumer complaint received 2023-01-15
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. (CA)

Hello. 
I am writing in connection with a late payment reflected on my XXXX XXXX XXXX account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX XXXX dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.