davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc (MA)

Here is the complaint : Harley Davidson Financial just called me during a pandemic to collect {$2.00} cents on a loan that has been paid off for months She said my past due amount was XXXX dollars and XXXX XXXX cents ... .. and would I like to take care of that today? Can you believe a finance company would do this? If you use this lender you will not get your title unless you hire a lawyer and drag them into court. It's about time that the Predatory Lender, Harley Davidson Financial used by XXXX XXXX XXXX are exposed for what they really are ... Can you imagine denying someone a title after 84 months of XXXX, because of {$3.00}. on an 84 month loan at 25 % that was paid in full! 

Then calling during a pandemic to torture the customer even more using harsh collection tactics with not an ounce of compromise. Could not reach anyone at customer support since XX/XX/XXXX. They charged me 11 late fees of {$35.00} on an outstanding balance of $ XXXX dollars and XXXX XXXX cents. The representative told be they deliberately give no power to the CSR 's that call to collect the trumped up charges. These people are bad people that hire unsuspecting workers to carry out their sadistic torture. My original review was written over a year ago ( XXXX ) on XXXX and this is the update of the torturous last year XXXX I have had with them. Nothing has been resolved, they just keep adding money because they know no matter what people say, you're going to use them, " because you just have to have that motorcycle '', they know this ... It's going to cost me {$1800.00} to hire a lawyer and have a judge rule in my favor. What a bad look for a company, during a pandemic, XXXX, when people are dying. Why don't I pay the shake down money? Why wouldn't a company agree with a customer after 84 months and paying off the loan? Instead they're sticking to the plan to criminally extort monies from borrowers that are not owed, with no ability to challenge the three dollars owed. They're untouchable. The most unfriendly, torturous people in business. Thank god they were stupid enough to send me a bank statement saying I owed three dollars and are going to charge it off, show more late 's on my credit? Threats, that is all I get from Harley Davidson Financial I'm  going to the Massachusetts Banking Commission and filing a complaint against these bad people 'Harley Davidson Financial '' ... ... During a pandemic? Really? implementing the three dollar shake down?
Consumer complaint received 2023-01-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
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)

My problem is with XXXX XXXX XXXX : 1. XXXX XXXX XXXX- In XXXX I lost my job due to covid-19. I called XXXX customer service number XXXX stated on my bill for a month, no answer. I went on their website : XXXX and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX  XXXX account and noticed XXXX XXXX reported that I did not pay my payment for XXXX. I made every effort to contact XXXX XXXX however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to Transunion has drastically brought down my credit score. When I called Transunion to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase Transunion 's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to XXXX XXXX service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify XXXX XXXX prior to when my car payment was due numerous times. My other creditors have worked with me except for XXXX XXXX. I need the delinquent posting off of my Transunion account since XXXX XXXX deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a XXXX as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.
Consumer complaint received 2020-05-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

To who it may concern, I XXXX XXXX have a title loan for {$2500.00} with XXXX XXXX I already paid {$1100.00} now need pay {$1300.00} that is remaining owed for my loan plus {$620.00} Which I am will to pay for the principal and interest. Now apparently I owe around {$4000.00} on just daily interest fees. I am suffering financially due to the Covid-19 pandemic and XXXX XXXX has exploited the vulnerability of my already in financial difficulties and is using predatory practices to collect.
Consumer complaint received 2022-08-15
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2023-01-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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. (LA)

There are old items still effecting my credit score. Regardless of exceptional payment history, the XXXX and TransUnion scores never increase to the accurate scores.
Consumer complaint received 2020-05-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I have been furloughed by my company due to Covid19. This occurred on XXXX, 2020. I immediately filed for unemployment since I am XXXX years old and have a XXXX son I care for. It is now XX/XX/2020 and I have not received a card from Oklahoma Way2go prepaid card/ XXXX, through the Oklahoma Employment Security Commission . I have received written notice of eligibility as well as online evidence of payment for past six weeks. I have called the company phone number numerous times, to get assistance with this, only to be placed on hold, diverted or hanged up on. I am at a loss. In addition, I have daily gone online through the OESC, as recommended to attempt to reconcile this.
Consumer complaint received 2020-05-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

my name is XXXX XXXX, I am a person not a credit repair company or credit person which transunion accused me of being. what I am is a victim of identity theft.
Consumer complaint received 2020-05-20
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Request for Resolution - Case Reference XXXX  Several months ago, I submitted a complaint regarding Citibank holding funds from my account and subsequently closing it ( Case Reference : XXXX ). 

Citibank responded by advising me to contact the third party that deposited wages into my account, my sisters employer called XXXX XXXX, to request a hold harmless agreement. I have attached Citibanks response for your reference. 

In my initial request, I proposed that Citibank return the funds to the employer if they saw any concerns regarding the wages deposited into my account. My sister followed up with her company, XXXX XXXX, explained the situation, and requested the hold harmless agreement. Unfortunately, XXXX XXXXXXXX XXXX XXXX to process its payroll, and XXXX has indicated they can not issue such a document. 

The employers management and payroll department, however, expressed a willingness to provide confirmation directly to Citibank or even call Citibank, as needed, to resolve the issue. See attached correspondence. They have also stated that Citibank could simply return the funds to them if there are unresolved concerns. I have attached copies of email and instant message exchanges between my sister and the employer for your review. The employers contact info are on the documents if Citibank wants to call to verify. 

Given the circumstances, I am requesting Citibank to provide an alternative solution that does not rely on obtaining a hold harmless agreement. This requirement has proven to be overly burdensome, and XXXX, the payroll processor, does not see it as a viable path forward. 

It has been over a year since this issue began. If there were legitimate concerns about fraudulent activity, some evidence should have surfaced by now. This prolonged withholding appears to be an unnecessary precaution. I kindly ask Citibank to reconsider its stance and review the attached documentation for a resolution. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2020-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: High Performance Capital (NV)

I finance my car with High Performance Capital and I noticed in 8 months of on time payments my amount paid off so far is XXXX $ Instead of XXXX $ I looked up reviews with further research to find that the company has endless complaints about finessing their customers, charging unexplainable fees etc. I try to reach them to do either payments over the phone or to see my balance but they never answer. The company seems to scam their customers and further investigation should be considered
Consumer complaint received 2020-05-20
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. (NJ)

There are Three accounts that are reporting on Transunion, XXXX and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE CITICARD ACCOUNTS I LISTED XXXX XXXX PLEASE
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (GA)

There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Experian has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( XXXX, XXXX, Experian ) XXXX/ XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX  XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (IL)

There are several charges on my American Express XXXX  Card that I have not authorized. When I try to file dispute on American Express website, it always fails and does not let me successfully submit the claims. The charges that I have not authorized and should be immediately credited to my account are : ( XX/XX/XXXX ; XXXX XXXX   XXXX XXXX XXXX ; {$1500.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX   ; {$170.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX  ; {$560.00} ). There are 3 more charges with various issues that I would like to dispute as well but due to the American Express website issue I can't : ( XX/XX/XXXX ; XXXX XXXX MD ; {$73.00} ; I have never received this merchandise from the merchant. They have not shipped it nor communicate anything regarding the order. ), ( XX/XX/XXXX ; XXXX XXXX ; {$93.00} ; I have returned this order but not received credit for it. ), ( XX/XX/XXXX ; XXXX ; {$600.00} ; I have been trying to return this order but the merchant is not accepting returns despite their policy saying otherwise. ). Also, please stop any further charges to this account and issue me a new card with new card number.
Consumer complaint received 2020-05-13
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. (NJ)

Some years ago I lost my documents and my identity was stolen, after that, I have found accounts in my credit that are no mine. This is identity theft, these account must be removed from my credit profile immediately.