davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OR)

I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. 

I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. 

I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Harris & Harris, Ltd. (PA)

On XXXX/XXXX/16, I received a voice mail message at work from a XXXX XXXX saying she was a debt collector from Harris & Harris and to all XXXX x XXXX. The number recorded by the voice mail system was XXXX. I do not know what this call is about as I do not give out my work number for personal matters. Also, to be able to leave a voice mail message, you need to know the main number for my office and also my extension. 
In order for XXXX XXXX to leave a message she would actually have to ask for me by name.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NJ)

I filed a dispute about some charges on my debit card with chase bank XX/XX/2016. the unauthorized transactions were XX/XX/2016 through XX/XX/2016. I had contacted the merchant in XXXX 2016 regarding the first transactions and told me they were going to do an investgation. Some more transactions were charged in XX/XX/XXXX to which i followed up with the merchant about the XX/XX/XXXX transactions and about the XX/XX/XXXX transactions, to which they said the had 60 days to resolve the issue and give a refund. At that point I called CHASE BANK ( the issuer ) to get help on this matter, to which they told me to call the claim with the merchant, and if that did not work to call them again to initiate the investigation with the merchant. Again in XX/XX/XXXX other transactions were charged to the card, and followed up again with the merchant as per CHASE had instructed me. The charges stopped at that point, but my money was never refunded as the had promised. Therefore, I called Case in may to file the disputes, allowing me to do it and had told me that they were to refund the money while the conducted the investigation. The send me a form to fill out electronically, and I filled out completelly and returned to them within 2 days. CHASE never credited any money back to my account and said the would not give me my money back period. This happened in less than 3 days of filling the dispute. An investigation with the merchant never happened. I had done more than they did. At least I did a 3 month investigation, making me think that Chase would not conduct the investigations on fraud cases for their customers. I called the merchant again in XXXX 2016, and they deny any disputes. I went to my chase branch in person to ask to reopen the case on XXXX XXXX, 2016 and as of this moment nothing has been credited back to my account. Here is a summary of the unauthorized transactions : {$98.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$58.00} on XXXX/XXXX/2016, {$70.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, for a total of {$1000.00}, merchant name : XXXX
Consumer complaint received 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (MD)

I received a collection notice from AFNI dated XXXX/XXXX/XXXX. The alleged amount owed was {$59.00}. This allegedly represented the final amount due on for cable services from a XXXX account I had in XX/XX/XXXX while living in with XXXX XXXX county XXXX service area. I called the AFNI to dispute the bill as I am certain the final bill was paid. 

I left XXXX on XXXX XXXX, XXXX so that I could move into temporary housing provided by my new employer in the XXXX XXXX area. As the temporary housing was paid by my employer, including all utilities for a six month period. I did not attempt to transfer XXXX services. I turned in the cable box and paid the final bill in XXXX XXXX and relied upon a hotspot I had with another ISP for internet service after I turned in the equipment to the XXXX XXXX XXXX in XXXX XXXX XXXX. 

After I left the temporary housing in XXXX, XXXX I moved to XXXX, XXXX and established service with XXXX once again XX/XX/XXXX. Although I have been with XXXX since that time, I have turned in equipment from one market, ( XXXX ) and reused new equipment in a new market ( XXXX ). I am well aware of the protocol. 

On XXXX XXXX, XXXX I received another bill from AFNI for {$500.00}. This is nothing less than extortion. It has been roughly 6 years since I turned in the XXXX equipment from XXXX county XXXX. I have been with XXXX since that time with the exception of the time I was in temporary housing. If I had not turned in the original equipment XXXX would have billed me for it by now. I do keep records for 3 years but it is long past that time. I was informed by the AFNI representative that absent documentation from 6 years ago they would pursue this issue. It is simply unreasonable to allow a subsidiary of XXXX ( AFNI ) to extort consumers who do n't maintain paper receipts of a transaction with their organization from years past. XXXX left hand is n't talking to it 's right hand. This bungling bureaucracy can not be allowed to extort consumers, let alone its own customers. I specifically dispute the original {$59.00} charge and the additional {$450.00} AFNI tacked on to extort me into paying the original {$59.00}. Perhaps this is one of the reasons XXXX is such a hated company.
Consumer complaint received 2016-07-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kansas Counselors, Inc. (MO)

I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX, KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told " I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? " .... It was a very humiliating and demeaning response!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-08-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP (TX)

I applied for a mortgage with a bank to purchase a single-wide manufactured home. The loan was pre-approved and because I was doing an FHA loan, the loan officer told me that I needed to pay for a retro-fit foundation and an engineering design and certification letter in order to comply with the FHA requirements for the loan. The seller agreed to split the cost of the retro-fit with me. The retro-fit was {$2500.00} and I paid {$1200.00} of that amount. I was required to pay for the Foundation Inspection and Engineer 's Compliance Report as well which cost me {$420.00}. After I paid for those XXXX items, the bank sent out an appraiser. Once the appraisal was turned in, the underwriter came back and told me that they could not approve the loan because they do n't do loans on single-wide manufactured homes. The loan officer knew this was a single-wide manufactured home from the beginning so this is something that they should have told me before I invested the money for the items they required. I paid for the appraisal in advance as well but I was able to get the bank to refund my money because it was their mistake. Because the loan officer did n't tell me that they could n't do loans on single-wide manufactured homes, I am now out the cost of the retro-fit and the Foundation Inspection and Engineer 's Compliance Report which was a total of {$1600.00}. The loan offer and bank refused to refund my money even though they admitted that they should have never allowed the loan to get that far in the process on a single-wide manufactured home.
Consumer complaint received 2016-07-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Main Street Personal Finance (MS)

I received a phone call from XXXX XXXX at XXXX XXXX on XXXX/XXXX/2016. The number is XXXX. XXXX XXXX. is XXXX. She stated she was not a debt collector but a litigation specialist from the check fraud unit. She stated that I had been charged on XXXX counts, check fraud, malicious fraud of a financial institution and theft by deception. The Docket # was XXXX XXXX. I told her this had been filed on Bankruptcy and she said it did not apply to Federal Monies. She said that they had contacted the prosecutors office and they wanted to officially file charges today. She then stated that the paperwork had already been sent to XXXX County and if they could not locate me within 24-48 hours they would suspend my license until an arrest had been made. She said she checked with the State attorney 's office and I would be issued a bond in the amount of {$4000.00}. She said she could try to assist me in not being arrested if that was what I wanted her to do. I told her sure. She placed me on hold as if to be contacting the States Attorney 's office. She came back to the phone and said unfortunately, I hate to be the bearer of bad news, but these are your options. I could send them a Certified Form - XXXX XXXX from XXXX The blue and white form in the amount of {$260.00}. She said the state attorney 's office agreed that if this was paid before XXXX. they would not charge the court cost, filing fees and other fees. But it had to be received by XXXX It was to be sent to XXXX XXXX the security receive code is XXXX, the Acct # is XXXX in the amount of {$260.00}. I told her I would send the money and call with the reference number. Once I hung up, I contacted my attorney and they told me it was a Scam, and they in turn called XXXX and they also called the Court. Once the money was not received by them at XXXX, I received a call from XXXX which is the Justice Court Number in XXXX County. I answered but nobody said anything. I called back and they said Justice Court and hung up. I called my lawyer back again and they then called XXXX at the Justice Court and they both instructed me not to send any money it was a Scam. XXXX was to contact the Sheriff 's Dept and I am to call also.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had recently sent a request for my all 3 of my credit reports by free annual credit report and TransUnion responded and requested for information. In response to TransUnions request I sent my ID and Social Security card. Today I received another reply from TransUnion and I did not not need to go through this same process with the other credit bureaus which were cooperative. I have lived at my current address for more than 2 years and had sent TransUnion my ID and Social security card as requested.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

The details of the fraudulent Inquiries are as follows : 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-07-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (FL)

They continue to call and answer telling them that I am willing to work with them and that they try to get unnecessary information out of me that is not needed for me releated to my issue. I have medical issue going on and have had a reduce income to It and have fallen behind in everything. Everyone else has worked with me except For XXXX XXXX and allied interstate who hassle me until it is unnecessary and they call 18 times a day and not willing listen to what I am willing to with them at and i am just tired of being called On Sunday 18 times and all times of the mornin and night and needed personal informations that they do n't have any business in as credit card company, I just need help on what I can do to have a clear understanding of working with allied interstate and I have been blocking all there numbers coming in when I find out it is them because they do n't want to listen to what I am willing to work with them at they want to do there own thing when every they want.
Consumer complaint received 2016-07-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Barrett Financial Group, L.L.C. (CA)

XXXX XXXX, 2016 To Whom It May Concern : I am writing in regard to Barrett Financial L.L.C. After dealing with this company, I feel it is very important that all pertinent agencies are notified about their shady business practices. Every other hard money lender in AZ said what he was doing was 100 % illegal for an owner occupied home. I am hoping my letter writing will get someone to look into this company and their ability to follow and understand the law, before they really hurt someone. With all the information they have on me I am terrified of what they are capable of doing to me. I am hoping to put a fraud alert on with all the credit agencies for everyone involved in the deal. 
I was very unhappy with this company! I worked with XXXX XXXX. This particular man did not show me respect. He told blatant lies. Another party and I were in the process of purchasing a home with XXXX. He took all our personal financial info ( including bank account info and social security numbers ) and sent us a pre-qualification letter. We found a home and put in an offer, following his guidelines. We thought all was good. We were wrong. The man disappeared. The buyers ( me ), the sellers, our agent, their agent, the title company and the inspection company were all on hold. We talked to the receptionist and she did not know what was going and would under no circumstances allow us to speak to another lender. Then all the phone message machines ( voice mails ) were full, XXXX 's and the front main line. This went on for days until we lost the house. I asked XXXX to simply pay us back for the wire transfer costs to the title company of {$35.00}. He refused and still refuses to this day. I am XXXX and he knew it from all the paperwork. He took advantage and lied to a XXXX person. His lack of communication with his clients was below sub-par at best. 
I honestly believe this man thinks he is above the law and better than other people. Pure sociopath in my humble opinion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, CA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, AZ XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Consumer complaint received 2017-07-08
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. (AZ)

there is an account from  XXXX   XXXX  that should be removed.   I 've submitted a dispute and added information supporting the removal of this account.   Equifax has yet to remove this negative account.