davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (TX)

I disputed the collection with all three credit bureaus and Regional Acceptance Corp deleted the charge off with XXXX  but didn't follow up and submit the deletion with XXXX  and XXXX. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts  posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. This delinquent account record is inaccurate. I request that the following account be promptly removed. 

REGIONAL ACCEPTANCE CORP # XXXX
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 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
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 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
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This is my second complaint against Bank of America, after receiving another unexpected interest charge posted on my account this billing cycle. My last unexpected interest fee charged was just last billing cycle. 

This time, I was actually carrying a negative balance, hence there was no accounting justification for it whatsoever. 

I called customer service on XX/XX/XXXX at XXXX and spoke with XXXX, who said that this was due to a system error, and that they will 'waive ' the fee ( indicating that the fee in itself is justified. I do not recollect any apology offered. 

I was only able to pick it due to increased vigilance after receiving interest charged just last billing cycle. This proves that they are unjustifiably posting interests which consumers are left to pay if they do not pay attention.
Consumer complaint received 2020-05-21
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: TD BANK US HOLDING COMPANY (CA)

My complaint Is against Target who failed to Give me the opportunity to negotiate and or inform me that when I paid my charged off debt in full including interest would not be deleted from my credit report for 7 years. I am cleaning up my credit getting my life back together and Other creditors are deleting the charged off debt when paid in full. So why cant target? They are choosing not to. I am filing this complaint so Target May resolve this issue by doing the correct thing and deleting this charged off remark on my credit report.
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 information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: LEXISNEXIS (GA)

XXXX is violating the Fair Credit Reporting Act by not removing fraudulent items from my credit report. The following items are as follows : XXXX XXXX XXXX, Balance : {$21000.00} and XXXX XXXX, Balance : {$14000.00}. I have filed a dispute with XXXX and they have yet to block the fraudulent items from my credit file and is violating the FCRA. Please have these items removed immediately, due to identity-theft and fraud
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$26000.00}
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My Transition credit report shows 3 medical collection debts, of which I did not receive proper notice of on my credit report.This is interesting, since I previously had an open payment plan with the debt collector and was paying for other medical collections, these should have been included in that payment plan. When I was made aware of these through my mortgage broker I immediately contacted the collection agency and they agreed to remove them from my credit report in exchange for full payment. I have contacted the collection agency several times. They indicate my file has been updated and it takes over 45 days, this not what the law reads. I have opened disputes and they have been closed with the credit reporting agency. I have applied for a mortgage and been denied as a result. This is adversely affecting my credit and needs to be corrected per the FCRA. Your assistance is appreciated.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

I have been with XXXX XXXX XXXX for 2 years now. I get alerts from XXXX XXXX  about everything, because I am trying to buy a home. I fight very hard to maintain a great score & do not understand why XXXX is claiming I owe {$800.00}. 
The debt is not my debt & I find their actions, along with Diversified ADU SVC unlawful. I ask that a contract is presented, so that they realize the error & remedy this accusation to all credit companies. 


Gratitude!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX and 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 my written instructions
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

On a recent review of my credit report, I discovered that Caine & Weiner is inaccurately reporting a collection account to XXXX  and XXXX. I mailed a certified letter to Caine & Weiner requesting VALIDATION. In my letter I included what constitutes validation. The company acknowledged receiving my request and all that was sent to me was a collection letter. They ignored my request for validation all together. On top at that, I then received a notice from XXXX  that the company placed the collection on my report which wasn't on there previously. Lastly, the amount on the collection letter is different than what is posted on my credit report.
Consumer complaint received 2021-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

This complaint is regarding Kia Motors Finance. My normal monthly payment is {$370.00}. On XX/XX/XXXX I made an online payment of {$1000.00}. I expected the monthly payment to be paid and the remainder go to the principal of the loan. On XX/XX/XXXX I went to make my monthly payment and the total amount due stated XXXX. I called KMF customer service and explained how I wanted the previous months payment allocated. The representative said it could be done and submitted an order to move {$620.00} to the principal. I then asked the rep what the payoff balance would be for that day ( XX/XX/XXXX ) and he stated that since I was being credited XXXX the payoff would be {$3300.00}. I immediately paid that amount on their website. I asked the rep when I would receive my title and he stated after the payment clears the title will be sent within XXXX business days. When I received my statement for XXXX XXXX my {$3300.00} payment did not appear and in fact it show I missed a payment in addition to another payment due for a total of {$740.00}. It also showed that XXXX payments remained on the loan. After being away for the XXXX holiday, I called Kia on XX/XX/XXXX and explained the above. I asked the rep to review the phone call from XX/XX/XXXX to hear what the rep stated was the payoff balance told to me by the employee since she stated there was a remaining balance on my account. When she was unable or unwilling to do so I asked for her supervisor. I waited for 20 minutes and A a woman named XXXX XXXX who refused to give an ID #, told me she would check into my issue, placed me on hold for another 20 minutes and disconnected the call. I immediately called back into customer service got another rep, explained again, asked for a supervisor again and was hung up on again. I called back on XX/XX/XXXX and went through the same scenario 4 times. Speaking with supervisors XXXX, XXXX, XXXX XXXX, and XXXX. All of whom were rude, obnoxious and unhelpful and who all placed me on hold and disconnected the call. My XX/XX/XXXX and XX/XX/XXXX statement both do not show my payment for {$3300.00}. KMF has not properly accounted for my payment and and continues to keep an open balance balance on my loan and continues charging me interest since XX/XX/XXXX. They will not escalate the issue, refuse to access audio recordings to shed light on the discrepancies, and refuse to take accountability for mistakes made by their employees. I contacted the so called Customer Affairs Division who quickly tells you they only deal with warranties. No one was willing to assist me in getting this issue resolved. 
I would like the recording from XX/XX/XXXX when I was directed to pay {$3300.00} to pay off my car to be listened to and or released. I would also like any interest charged from XX/XX/XXXX to date, to be removed, my account closed and title released.
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (CO)

I settled a debt reported on Credit report with XXXX  through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because XXXX  and the credit agencies refuse to update the information. I have contracted XXXX, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. Experian and XXXX  have both denied my disputes and refused to update my information.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

XXXX Both Wells Fargo customer service - XXXX - Manager Escalations refused to give agent ID and XXXX XXXX Escalation Customer Advocacy Group did as well after I complained about unprofessionalism and sounding hostile on the phone. I was constantly interrupted while asking questions which made me feel degraded. I been a customer for over 8 years and can not believe the way I was treated today. 

I called to ask for an increase of the ATM withdrawal of $ 1k. The first representative told me I could do so until she checked and said I was not eligible. When I asked what does this mean to understand, she responded with she does not know. I asked for a manager whose name is XXXX which led to hostile responses to the point that I felt degraded. XXXX- the Escalation Customer Advocacy did the same to me even after I complained to her about XXXX by cutting me off while I was speaking. The calls are recorded, this happened around XXXX XXXX - XXXX.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX DPEDXXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MO)

My monthly card payment of {$15000.00} was paid twice on XX/XX/2023. I had manually scheduled a bank payment of my monthly statement balance several weeks ago. Maybe two weeks later I went to Barclays webpage and signed up for their service that automatically pays the monthly balance so that you don't forget. Bottom line... when XX/XX/XXXX comes ( monthly statement due date ) Barclays generates two payments from my bank account both for {$15000.00}. My account now has a CREDIT BALANCE of over {$13000.00}. I called Barclays on XX/XX/XXXX. The rep clearly saw what had happened with the double payment but had no interest in fixing it. She told me Barclays would have to investigate and would need up to two billing cycles ( 2 months ) to resolve it. I was shocked. There are not too may households that can have a {$15000.00} hit to their bank account and not cause huge problems. I ask the rep what sort of interest they were planning to pay on keeping my money. She did not reply. 
This is outrageous..