davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (NJ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services (NY)

I applied to buy my XXXX XXXX XXXX lease when the end of lease came which was XX/XX/XXXX. Despite many phone calls I made trying to get in touch with XXXX Financial was impossible. I was approve for the car loan ( $ XXXX x 5yr term ) and when I spoke to representative which was impossible to get through it would only take a few days. I was approve in XXXX During this time I received no bills, notices just obscures document which I had notarized twice because my address changed they said. I finally spoke with Rep agent on XX/XX/XXXX XXXX XXXX and he explained that I have to sent in the payment for {$1100.00} before they can begin working on the converting the lease to me purchasing it, along with sending insurance, Registration, and my Driver 's license ( I sent this in two other times as well. None of the letters said what the representative said to do. I finally spoke with XXXX XXXX who was nice and I finally sent in a payment on in which she accept a payment of {$570.00} directly taken from my checking account was on XX/XX/XXXX.She assured me that my account is fine and the conversion will be complete and I will be paying on the loan and the car is mine. So, on XX/XX/XXXX ( XX/XX/XXXX Morning as I'm working ) I get a phone call from XXXX XXXX XXXX XXXX telling me that he is letting me knoe that he's scheduled to re-possess my car for lack of payment. I called XXXX XXXX and she assured me that this was a mistake and someone in another department made a mistake. I also recieved a letter from XXXX XXXX Notice of Default/Right to Cure and intentions dated XX/XX/XXXX for total payment of $XX/XX/XXXXSined agent XXXX XXXX XXXX XXXX ON XX/XX/XXXX my credit report had that I'm 90 days late casuing my credit to tank XXXX points which is crazy!. I'm in a process of purchasing a second home and this can cause me to pay tens of thousands more on home loan. There has been so much damage to my credit report and it needs to be fix at once.
Consumer complaint received 2022-04-07
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. (IN)

On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (KY)

On XX/XX/2022, I attempted a mobile deposit of {$490.00} through the Truist app. It glitched several times and I never received confirmation of a deposit. I called Truist on XX/XX/2022 and a representative said it was not posted in pending deposits, it was not being processed, nor was it posted to my account. She recommended I wait an additional day. I waited, and when it hadn't posted, I called Truist again, on XX/XX/2022. During this phone call, the representative said it was not pending, processing, or posted and recommended I take the check to my local branch to deposit it. We experienced winter weather and I wasn't able to visit my branch until XX/XX/2022. At this time, I deposited the check and was told it would be credited Monday. On Monday, I call again ( to Truist ) and was told it would be Tuesday before my money was posted. On Tuesday ( XX/XX/2022 ), I woke up to an account that was overdrawn and the deposit had been posted and then removed from my account. After calling both Truist and my local branch, it was determined that the mobile deposit had posted on XX/XX/2022 ; however, I received no confirmation number nor did the two Truist employees I spoke with notify me of this deposit. Ultimately, Truist decided there was no fault on their part, because it had posted. However, they could not explain why two employees on two separate occasions after XX/XX/2022 couldn't tell me that the deposit had posted. The Trusit representative I spoke with today ( XX/XX/2022 ) explained that they couldn't see it because of processing times and they can not see processing deposits ; however, if the check posted on XX/XX/2022 as Truist states- why could the employees I spoke with on XX/XX/2022 and XX/XX/2022 not see the posted amount?
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (NC)

The following remarks are copied from credit report about this account. The agent that was assigned to my account at NRS had said that this account will be removed from my credit report when I paid the agreed upon amount to NRS, but they failed to remove the account. They only updated the remarks to Paid less than full amount owed. The agent had coerced me into paying more than the agreed upon amount in order to have the account fully removed from my credit report and so I did pay the extra amount to have it removed as opposed to only showing it as paid in full and remain on my credit report. 

NATIONWIDE RECOVERY SYS Last reported XX/XX/XXXX {$0.00} Reported balance Original balance {$590.00} You owe 0 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 1 mos ) Account status Closed Type -- Responsibility Individual Remarks Settled - less than full balance Original creditor name XXXX XXXX XXXX XXXX  CONTACT INFO NATIONWIDE RECOVERY SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NY)

On XXXX XXXX I checked my credit karma and found a credit report from an unfamiliar company. Spring Oaks Capital LLC that an account opened in XXXX [ 3 months prior ] had a derogatory mark and {$1200.00} was sent to collections. The original creditor XXXX XXXX XXXX did not respond to any calls. Their phone went dead every single time I tried to contact customer service. The buisness is located in Ohio. I have never been there in my life and I live in New York. I have no clue how a credit line could be opened under my name without a single phone call or peice of mail sent to my house. I believe I am a victim of identity theft. I have not opened a credit card/line since XXXX. Please help.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. LV N FUNDING XXXX XXXX XXXX XXXX  YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVN FUNDING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (GA)

It's been brought to my attention that Experian has violated my rights as a consumer. 

According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish the each of the following pieces of information which will include addresses, inquiries, names, and accounts. 

XXXX. XXXX XXXX XXXX ( Name id # XXXX ) XXXX XXXX XXXX XXXX Name id # XXXX ) XXXX XXXX ( Name ID XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX  ( INQUIRY ) XXXXXXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX ( INQUIRY )
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

I received my credit card bill on XX/XX/XXXX XXXX and notice they're trying to charge me an annual fee is {$39.00} on a closed account. when I spoke to the credit card company aspire they said I was being charged the annual fee because I canceled my card 2 days too late. any credit card I've ever had the past would never charge me an annual fee for a closed account.
Consumer complaint received 2022-04-07
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: Amsher Collection Services, Inc. (AL)

I discovered accounts on my credit report that I do not recognize, These accounts do not belong to me. I have discovered that I am a victim of several breaches and identity theft. Someone has used my information and I have no idea who has done this. I want the accounts removed immediately! These fraudulent accounts are interfering with my credit worthiness and ability to obtain credit.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MO)

Caine & Weiner Debt Collector as of XX/XX/XXXX has placed collections XXXX XXXX # XXXX to my XXXX, XXXX, and XXXX credit report. 
XXXX has removed this collection as of XX/XX/XXXX. This company has not reached out or communicated this, but instead placed it on my report. I have spoke with manager XXXX XXXX and XXXX XXXX XXXX at XXXX. Requesting answers to why would they place this on my report without no prior communications, only to find out that this is a account since XX/XX/XXXX which I stated makes this a 3 year old case as well as it not belonging to me by fraud or identity theft. XXXX XXXX definitely had a attitude due to me asking how would I be compensated for my time waisted and my scores dropping over XXXX due to their error. I request that this infraction be deleted from both of the listed above accounts and that Caine & Weiner compensate me for their mistakes and my inconvenience of {$50000.00} per the individual ( s ), company, insurance ( s ) and bond ( s ).

Thankyou for your time you may contact me for banking and routing number. 
XXXX XXXX
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MI)

In XX/XX/2019, I opened a Comenity New York & Company. On this charge I purchased a dress and in the same month XX/XX/2019, I returned the dress. I believed the financial part of the account to be settled, even. In XXXX I received an alert on my XXXX XXXX and it stated I had a late payment and my score fell XXXX points. After I reviewed the report, I realized that it was Comenity New York and Company. I immediately called New York & Company to get and explanation. The agent told me I had been charged a restocking fee or the fee for returning the dress, {$6.00}, I am not sure. I tried to reason with agent, and I requested removal of the late payment and a onetime courtesy to remove the negative remark off my credit report because my actions were not meant with malice, and it was truly a mistake. After the agent told me she did not have the authority to remove the late payment, I then wrote to the CEO of New York & Company requesting a onetime courtesy and or forgiveness of the removal of the late payment. I anticipated a favorable response. However, the response was devastating, the late payment remained. 
I used this card once and I strongly feel this time only my actions do not fit the severity of their actions. I tried to explain this is my letter. I opened a credit card, I used it once. I purchased a dress and returned it within the same month, and I was not aware of the {$6.00} fee. So, I am requesting assistance in removal of this late payment. 

Thank you
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 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. Also these inquiries are not mine XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (CA)

I had reached out to XXXX, Experian, and XXXX about XXXX account # XXXX to request for them the verify the accuracy of the account. XXXX, Experian, and XXXX updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act 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 an 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-02
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. (MI)

This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was Equifax incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. Have these following items be removed accordingly. 

XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Balance : {$120.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I applied for hardship/forbearance. I got XXXX and was sick for two weeks. I was able to get the paperwork to XXXX XXXX XXXX. I do not know why they had not processed it until XX/XX/XXXX. Included ( Exhibit JJ ). Credit Report Included ( Exhibit 111 ). On Monday, XX/XX/XXXX, at XXXX XXXX. I received an e-mail from XXXX, XXXX ( Exhibit LL ) requesting information from XX/XX/XXXX. I provided all the hardship documents to them three times back in XXXX and the letter indicates I provided the documents ( Exhibit JJ ). All the mistakes XXXX XXXX XXXX  has made have caused me to be in foreclosure. I have done nothing wrong. Please see documents?
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been trying to dispute four charges to my checking account. They closed the disputes before I was able to get them information that they requested. After multiple attempts talking to bank representatives, I have not been able to get anyone to reopen the disputes. I can not submit the information they requested, and every time I try to send them a document, every person has come up with a different excuse as to why it isn't good enough.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

The company, Comenity Bank, has raised my monthly payments multiple times based on my owed balance without informing me that this has happened. My payment has increased nearly an additional {$10.00} per month in multiple accounts over the last few months and there has been no notification or official documentation sent stating that the change would happen or my monthly payment would increase based on my total balance on the account. Its completely unfair and in all rights illegal to constantly change the payment amount that is owed - this leads to incorrect payments being made, which will then lead to late fees and fees for insufficient payments and who knows what else the bank could come up with. You can see on the attached photos how my payments have changed each month - Ive been paying the minimum due and theyve changed drastically, which is especially unfortunate due to the pandemic and uncertainty of employment.