davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
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. (AK)

I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (PA)

On XX/XX/XXXX I paid my mortgage of XXXX through my bank. Freedom Mortgage reported it late on XX/XX/XXXX. My mortgage would of been late XX/XX/XXXX however they received my payment before then. They stated they couldnt help me and I would have to contact the Credit bureau. Freedom mortgage also stated they tried to call me to notify me of what they were doing. However they had the wrong number on file. I have never been late on a payment, ever.
Consumer complaint received 2018-10-18
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)

We were reported as late payment when in fact we have more than enough funds with XXXX XXXX  for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.
Consumer complaint received 2018-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (IL)

I can not remember how I heard about XXXX. I applied for a {$3900.00} loan back in XX/XX/2017 not realizing until the other day just how much the interest rate and finance charges I am paying to them. I borrowed {$3900.00} and the total amount I will have paid back is {$12000.00}. I was in total shock. I am paying {$150.00} per pay period. I know in ignorance I did this to myself but is there a law against someone charging 98.23 % annual percentage rate. This is such an awful rip off. Please advise if there is anything that can be done about this.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to XXXX on XX/XX/XXXX of 2018 to ask an estimate od the cost od their new models as I am planning to buy a new car next year. I told the sells person i wasn't going to buy, I just wanted the price. She said she needed my drivers license to show me the models and give me an estimate. They asked me to feel a form and said they wouldn't do any hard inquires, for my surprise I have found they have put 3 hard inquiries on my Transunion and 2 hard inquiries on My XX/XX/XXXX. I never agreed with that and I never bought a car from them.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies pay a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account XXXX XXXX XXXX. I request a thorough investigation into these discrepencies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to provide, I am demanding that these payments be updated to on time, never late, as I have consistently upheld my obligation.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc. (FL)

In XX/XX/2018, I filed a complaint with this organization regarding Professional Credit Analysts of MN , Inc. My complaint ( XXXX ) centered around the fact that they placed a collection on my account, and never responded to my letters ( XX/XX/XXXX and XX/XX/2018 ) regarding my request to validate the debt. To date, they still haven't provided any information that validates this debt as mine, yet they continue to have this collection on my account. As of XX/XX/2018, I have confirmed via XXXX, that this company isn't even registered to do business in the State of Florida. They don't have an office nor a registered agent in the state. So they are not only filing erroneous collections, but they are also acting illegally by not being registered with the state of Florida as a debt collector.
Consumer complaint received 2018-10-18
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( XXXX ) about delinquencies reported for account Account ( HSBC Advance Mastercard Account Ending in XXXX ). XXXX XXXX reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from XXXX on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) XXXX credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY HSBC CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : XXXX bureau and Bank HSBC. There is no real information provided from both of Agencies. HSBC customer support told that none reported to Credit bureau, but XXXX Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( HSBC and XXXX ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.
Consumer complaint received 2018-10-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA (PA)

On XX/XX/2018 XXXX XXXX contacted my husband about an ATV loan. In the beginning of the call the 1st representative asked personal questions but refused to tell him the nature of the call. She wanted specific detailed info about our son who cosigned the loan. After getting frustrated with the woman my husband gave the phone to me. She finally said who she was calling for an why. She said the amount due given to them from Yamaha was over {$9000.00}. I explained that that couldnt be correct because we put a significant down payment on the atv and financed around {$10000.00}. They were showing only a few payments made when in fact we have paid over {$3500.00} this year to a different collection agency. They accused me of lying because I couldnt provide the exact details over the phone. She then put her supervisor on the phone and his name was XXXX. He explained to me that this was the correct amount and nothing I said to him made him willing to open a dispute. He refused to send us any documents they have showing the balance and payments and wanted me to provide proof right then and there that we had paid more on the account. He also threatened us with legal action if we didnt pay {$5000.00} today. We arent in a position to do that and offered to pay {$200.00} over the next few months until XXXX when we could pay the loan off. He refused to entertain that notion and instructed me that I could not call the orig ial creditor for this account anymore. He was verbally abusive and threatening and tried collecting an incorrect amount under duress. We have bank statements showing what we have paid and the account should be around {$6500.00}. They have called my sons hundreds of times and threatened him to be arrested if he didnt pay and they have called my husbands phone 100s of times while he is at work. No amount of telling them to stop will work and when you do they threaten you with arrest or legal action.
Consumer complaint received 2018-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Im XXXX veteran, on XX/XX/XXXX I had personal loan with 36 % interest rates, l lost my job on XX/XX/XXXX. On XX/XX/XXXX one main financial modified the loan with 6.99 % adding the deferred interest {$920.00} to principal {$7200.00}, total of {$8100.00} payment of {$130.00} for 60 months, since XX/XX/XXXX, I paying the loan, after paying my payment on XX/XX/XXXX, after calling on XX/XX/XXXX and paying off the loan {$190.00} but on XXXX XXXX I was told there is deferred interest that I need to pay after XX/XX/XXXX that caused by {$30.00} not added to loan modification on XX/XX/XXXX, according to XXXX one main financial ( XXXX ) XXXX that we signed the loan on XX/XX/XXXX the total loan was {$8100.00} and why modified the loan and leave {$30.00} deferred interest. 
Payments : Since XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX {$130.00} ... ... XXXX {$130.00} and last payment on XX/XX/XXXX {$190.00}, total of {$9000.00}. that exceeded {$8100.00}. The loan should by paid off by XX/XX/XXXX.
Consumer complaint received 2018-10-17
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. (CA)

I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX  XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXXXXXX XXXX XXXXXXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX XXXXXXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
Consumer complaint received 2018-10-18
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. (CA)

XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( Experian ) about delinquencies reported for account Account ( XXXX Advance Mastercard Account Ending in XXXX ). XXXX XXXX  reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from Experian on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX  ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) Experian credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY XXXX CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : Experian bureau and Bank XXXX. There is no real information provided from both of Agencies. XXXX customer support told that none reported to Credit bureau, but Experian Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( XXXX and Experian ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.
Consumer complaint received 2018-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

The debt posted below and attempt to obtain pass due balance is false. I was never notified by the company that the debt does not belong to me. I was never given the chance to ask to please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. Never given any information to be able to speak with the CSR. I do however member this false reporting once before from the agency listed below. I was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. XXXX XXXX XXXX , XXXX Last reported : XX/XX/XXXX -  {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? You could dispute an error with XXXX. Creditor Information XXXX XXXX XXXX , XXXX : COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/XXXX {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX This has been proven once before this is not my debt. This company is trying to collect on false pretenses.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, on their website has asked me for information in order to place a freeze on my XXXX year old dependent child 's credit file. The website asks for certain identifying information, which I have provided, however they are asking for more identification which is not inline with the website. One of the items that they now need from me is a certified copy of my child 's birth certificate their website asks for a copy of the birth certificate for proof that I have authority but not asking for a certified copy. I provided a copy, not certified as the law is clear that I should not have to pay for a credit freeze and this would cause me undue expense. Later on the page I am asked for identifying information for me and for my child one of the identifying pieces that I could give is my child 's ssn, which I provided on the letter that they received for request for freeze. I also sent a copy of my driver 's license as proof of my identification, which they asked for. I had sent the three items they asked for but now they are saying that they want more proof. I feel that they are not living up to the law and are attempting to not put a freeze on my child 's file so that they can continue to sell his information. I am only requesting these freezes on my family 's credit as to protect lenders from being ripped off as I am not afraid of identity theft, it's not my responsibility to protect the banks, it's their responsibility to not get defrauded. However, I am doing my best to be a good citizen and help the banks to not get ripped off and TransUnion is going out of their way to not honor the new law for a no-cost credit freeze. They are attempting to cost me undue expense for " certified '' copies of documentation. Please do what you can to make sure that they provide no-cost credit freezes without undue expense. 
After speaking to a person at TransUnion, they made a note that I had provided what was asked on the website but I am now being asked for more information. I have offered to fax them more documentation and they handed me over to a supervisor. The supervisor was little help and said that I'd have to call back because they could not access my son 's file at this time and that I should try again in a few hours. I am getting the run around on this and don't want to waste too much of my valuable time. Again, please help in dealing with this bureaucracy, thank you.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I hold a Roth IRA with Citizens Investment Services. I am  charged a {$75.00} annual maintenance fee. Due to the high expense in maintaining this account I inquired as to the process of closing the account and I was informed that I would have to pay a {$100.00} account closing fee. However, this fee was not disclosed to me at the time I opened my account. Instead, the customer representative I questioned about this fee informed me that the paperwork I received indicated that additional fees may be incurred and fees are subject to change over time. Using that logic, Citizens Investment Services is not informing customers of fees it can choose to charge at any point in the future without disclosure, which seems to be in violation of the Truth in Savings Act, or at least the spirit thereof.
Consumer complaint received 2018-10-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (TX)

Company is AD ASTRA RECOVERY the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from XXXX  XXXX XXXX # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a XXXX XXXX '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my XXXX XXXX is to XXXX XXXX into the XXXX XXXX. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!