davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

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 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 I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, PNC Bank took two mortgage payments out of my checking account instead of one, a result of a computer error, according to them. I called their customer service team, and they stated they would credit the second payment back to my checking account. After nearly three months, they have credited back approximately half the amount of the payment, but the remaining XXXX remains outstanding on my loan balance. I have called them multiple times concerning this issue, but they have been unable to solve the problem. As a result, I have been getting calls from their automated late payment telephone number, and have received a letter stating that I am behind on my payments, when technically the opposite is true. I have spoken to many people at the company, and all seem unable to help resolve this issue. I am submitting this complaint as a last resort in hopes that the issue can finally be resolved.
Consumer complaint received 2018-07-17
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: Focus Holding Company (FL)

XXXX XXXX XXXX falsely reported a bill that I had not paid to collections. This was a false report because I had changed my plan from one type of XXXX XXXX XXXX product to another and because of their erroneous billing practices they continued billing me for my previous product even though I had switched to a different product of theirs and told them to cancel the previous product. Furthermore they made no attempt to contact me before sending their mistaken debt to a collections agency.
Consumer complaint received 2023-07-07
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. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

I first inquired about my credit score XX/XX/XXXX after my 3 day trial which was advertised for free charged my XXXX account for a XXXX and then on the XXXX I was charged {$29.00} for a full month membership. I went through the web page to cancel subscription and thought it was taken care of but I was again charged on XX/XX/23 again for a monthly subscription. I then contacted them by phone to cancel the subscription. I did get it refunded but when I notified XXXX, they are investigating and now are claiming that they are going to deny the charges for XX/XX/23. I live on a fixed income otherwise I wouldnt have signed up for this. I saw that they were going to charge a XXXX. I let it go. I didnt think that I would still be dealing with this again in XXXX. I hope they are under investigation again for fraud. I cant afford to keep contacting XXXX or XXXX to resolve this.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (TN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

My business checks were stolen and my account with US Bank was hacked. Someone used my account to pay XXXX {$94.00} on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$320.00} on XX/XX/XXXX. 

After spending XXXX hours on the phone on XX/XX/XXXX with US Bank and talking to XXXX different representatives, I was told XXXX fraud claims had been opened. US Bank returned the {$94.00} from XXXX a week ago. Since it has been 26 days since I opened the fraud claims, and the {$320.00} had not been returned, I called US Bank again. 

Apparently they opened XXXX fraud claims on XXXX and none on XXXX. I asked them to open a claim for the missing {$320.00} with XXXX and I was told because it was a " contracted payment '' they could not file it as fraud. I was then told by their XXXX XXXX XXXX, XXXX, that because this was a CCD transaction there was no way to get my money back and that I needed to call XXXX myself. US Bank did a " stop payment '' to the merchant to reject any additional charges on XX/XX/XXXX, but can not seem to find a way to return my money. 

I'm out {$320.00} because this bank thinks they are NOT responsible for allowing someone else to set up a payment using my bank account number for my business account. I did NOT approve this transaction nor was I ever contacted via email or text to ensure I authorized this {$320.00} payment.
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

In XX/XX/XXXX I consolidated a group of loans into one which was shown in Sallie Mae 's records as {$81000.00}. Sallie Mae ( " SM '' ) has based its interest and payment levels on a debt much higher -- {$130000.00}. I believe this is based on double counting capitalized interest and numerical errors. The result is that too little of my payments over these 16 years have gone to reduce the debt, which is still listed by Navient as {$83000.00} as of XX/XX/XXXX. 

In addition, when the consolidation occurred SM neglected to remove the original loans from my credit report as paid. Therefore my debt was shown as over {$200000.00}, with costs to me in mortgage and credit card interest rates. 

Their responses over the years have not answered my questions or concerns. The current website report of payments shows the original amount as {$81000.00} but the monthly bill shows the original principal as {$130000.00}.
Consumer complaint received 2018-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am a victim of ID Theft and have been trying to get Equifax, XXXX XXXX XXXX XXXX to remove fraudulent accounts out of my name, that's damaging my credit profile. Equifax refuse to remove the fraudulent accounts. 


XXXX XXXX Acct # : XXXX XXXX /XXXX  Acct # : XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (VA)

I leased a XXXX from XX/XX/XXXX to XX/XX/XXXX. I turned it in and completed the payments. 

Starting sometime in XXXX I began receiving dunning e-mails from : XXXXXXXX XXXX XXXX XXXX Text included : Your XXXX XXXX XXXX XXXX Final Payment Is Overdue VIN : XXXX You have an overdue payment of {$4800.00} associated with your XXXX XXXXXXXX XXXX  XXXX Verify your payment details and make payment now. You can review a breakdown of charges in the Previously Owned section of your XXXX Account. 

I move those e-mails to trash automatically. 

Today, however - XX/XX/XXXX, I received a telephone call from " XXXX XXXX '' and " XXXX XXXX '' at ( XXXX ) XXXX XXXX. Both insisted they were collecting my outstanding debt. Both stated that they work for : McCarthy Burgess & Wolff, in XXXX Ohio. They had all my personal information associated with XXXX. 

Because they have now moved from annoying e-mails to potentially harassing phone calls, I humbly request that you get involved as soon as possible to have them cease and desist such phone calls.
Consumer complaint received 2023-07-07
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: Westlake Services, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated servals of my right.

15 U.S.C 1681 Section 602 A. Clearly states that 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 consents or instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open -and consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting on my credit reports that I owe money to XXXX XXXX, {$250.00}. I have never received a phone call nor a letter from either the collector or XXXX The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called XXXX corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, XXXX. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that XXXX  confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, XXXX stopped doing business in XXXX XXXX as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a XXXX XXXX store in XXXX? The collector also told me that XXXX  wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at XXXX, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from XXXX  in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Io, Inc. (MD)

There is an account on my XXXX credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to XXXX on XXXX XXXX. However this account was never on my XXXX credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to XXXX at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with XXXX about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (CT)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (FL)

I reviewed my credit report and found these fraudulent and unauthorized inquiries reporting on my credit report on Equifax, XXXX and XXXX. Here are the following fraudulent inquiries that must be deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have been charged a total of {$160.00} since banking with Citibank that I have never agreed to. I believe they have been charging me without my consent and unfairly for some service I am not familiar with. 
When I just tried calling them, I was transferred to XXXX different departments. Finally the last one that handles the " safeguard charges '' could only cancel the service and told me that in 30 days after their investigation is complete, I would hear back from their investigations department. I asked if I can speak to someone that can explain the charges and how much I will be credited back and was not given any response besides you will hear from them in 30days to determine the outcome. When I asked the girl if she put in a request if she can confirm that we have the same amount and her amount was greater as I only have access to the last 2 years. Her amount was {$160.00} and I am going with that as I do n't have full access to my account online.
Consumer complaint received 2023-07-07
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)

Experian failed to update the balance owed on a credit card, and continued to report an incorrect balance even after being notified several times by customer. Customer applied for an XXXX  loan from XXXX XXXX  XXXX at a favorable interest rate but was declined due to Experian 's failure to update the credit card balance. 

Experian last updated the balance the subject credit card from XXXX XXXX XXXX on XX/XX/2023 and reported a balance of {$7400.00}. In XXXX Customer paid the balance to below {$500.00}. However Experian unreasonably failed to update its records for this card from the period of XX/XX/XXXXXXXX XXXX XXXXXX/XX/2023. 

Customer attempted to file a dispute with Experian regarding this matter on or about XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/2023. However Experian 's online dispute system unreasonably rejected any dispute being filed regarding incorrect balances, stating that the account would only be updated when new information was received from XXXX. 

Customer contacted XXXX on or around XX/XX/2023, and XXXX stated it had submitted updated balance information to Experian on XX/XX/XXXX.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2018-12-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

On XX/XX/XXXX I took out a loan with XXXX XXXX for {$1000.00}. I was expecting to receive some money from another source to pay the loan off my the time it was due on XX/XX/XXXX. That fell through and I ended up having to renew the loan instead. I went to the office to inform them of this they said no problem, just make payments. I asked if I needed any additional paperwork. I was told just make a payment, after receiving a letter from them by mail telling me how much. Well, I have made my payments every month for 7 months. I have been late a couple of times, but I was told to just come to them in person, before the due date to arrange a late payment, which I did each time. I was never given any additional paperwork, except payment statements, by mail. They would just put what day I was going to pay in the computer. I have paid a total of {$1300.00}. I have a XXXX XXXX XXXX. I have tried several times to get other companies to pay off the loan, so that I can get out of this mess, but they all told me that my car is only worth $ XXXX {$900.00}. Therefore they could not help me. I just continued to make my payments and I am current on the account, but they still say I owe them {$930.00}. I will have paid them over {$2000.00} for a {$1000.00} loan. I never signed anything agreeing to pay that much for the loan, I just defaulted into monthly payment, due to not being able to pay it back all at once. On XX/XX/XXXX, I called the office to speak to somebody about a settlement. I basically got the run-a-round and was told that I would be contacted later, but later never came. I understand that when you borrow money, you have to pay it back, but they are really taking advantage of people and bleeding them dry. Something has to done about this. This has put me in worse shape than I was in the beginning. The monthly payments range from $ XXXX $ XXXX/month and the day it's due changes. I feel that I have paid enough and the loan should be consider Paid-In-Full and I should get my title back. I will NEVER do business with them again!!!