davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (SC)

My issue is with transwold system inc, they pulled my credit, and made repeated telephone calls to my current and previous cell phone numbers. I dispute the debt and I 've asked for them to validate the alleged debt with documents show their company name. And that has n't been done. They have n't produced documentations to show where I 've gave them direct permission to be calling my phones either home or cell. Plus, there are several inquiry on my credit report. And the debt is dated in late 1980 's. I did n't remember signing any loan for school.. Plus, I did n't even had a cell phone in the 80 's. So my question to them, is how and where did they get my current and previous numbers to call me.
Consumer complaint received 2023-04-28
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX  XXXX Balance : {$29000.00}
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

My credit damage occurred because of beyond my control.one example is the default had happened the contract enter between me and my school, broken by the school.This without investigation the school and education made me in default.I have no money to take this matter to court. 
will review my case please. 
The second issue I have is with XXXX.They charged me high interested rate. Because of this I had paid high down payment and my trade and XXXX years loan for used car. 
will you review my contract with XXXX. 
Thank youl
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

The following personal information is incorrect on my credit report. 

Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of my DL, SS Card and utility bill so you can see its wrong.
Consumer complaint received 2016-05-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

I applied for a loan for {$400.00} from Bigpictureloans.com. At first, I thought it was a typical payday loan and that I would have to pay up the balance in installments every other week. When the loan was approved I read details on screen that the fee for processing the loan was only {$34.00} with a total of {$430.00} to be paid biweekly until the total was paid in full. I received a notice that I received approval for {$1000.00} which was perplexing because I did n't ask for that amount. I then received the {$400.00} which was deposited in my checking account, but with no notice of loan agreement details. I finally received the loan details after I logged into my Bigpictureloans account. The agreement was confusing and stated that I had 20 installment payments that would finally end on XX/XX/2017. The payments started off at {$140.00} with a grand total of {$2200.00} resulting in a finance fee of {$1800.00}. When I finally got a chance to call them they stated that the payment that had just processed would not post to the principal balance and was just to cover finance fees unless I paid the full amount of the loan plus the finance fee which they considered some type of " buy-out ''. Bigpicture would continue assessing and charging the finance fee until I did this considered buy-out of the loan. They would not post any payments that I made to the account until the final amount had been paid. The interest on the loan totaled a whopping 784.7312 %.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C. (AR)

I and my sibling were renters in an apartment complex and failed to give our 60 days vacate notice. Our lease agreement states that we " will be responsible for an additional months rent '' ( $ XXXX per lease agreement ) if the vacate notice was not given, yet we were charged an XXXXInsufficient Notice Fee ' of {$1500.00}, which is over double the {$730.00} monthly rent. While we agreed to jointly bear the responsibility of said debt as our two names were on the lease, we were not in the financial place then to pay the amount the apartment company was asking. We mutually agreed to let the bill go to collections and we would revisit it at a later date when our finances would allow. 

During this time the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, sent the bill to the Law Office of Brett M. Borland XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX. I contacted said Law Office twice on XX/XX/23, once shortly before XXXX XXXX and then again around XXXX. I was transferred to the same employee each time. 

During both calls, I explained that I wanted to pay my half of the total debt ( {$900.00} ) while I was on the phone and to have it taken off of my credit report. The employee stated on each call that " we don't get into personal matters '', " it's not possible to split the debt up '', and " there is no such thing as half of the debt. '' I was then told that I could pay 50 % of the total ( {$900.00} ) and the collection would be marked closed, on mine and my siblings credit reports, or I could pay 80 % ( {$1400.00} ) of the debt and it would be closed and removed, again from both mine and my siblings credit reports. 

I tried to explain that that was not fair as I would be paying at least half of the debt and the other debtor, my sibling, would not be paying anything yet would still be reaping the benefits of having the collection come off of his report. I was told " and it would work the same way if the other party was calling to pay the debt. '' I asked the employee to acknowledge the fact that " no matter who was paying the debt, it would be unfair as the other party is not paying anything and still reaping benefits. '' The employee then said " we went into a business to make money, not to be fair. '' I admit, at this point I lost my patience and asked " Then you do realize what a [ expletive ] business you work for? '' The employee began to mock saying that I can " call back when you have the {$1400.00}! '' I replied " I'll pay the {$900.00} right now. I have my debit card in my pocket, I'll pay the {$900.00} and you can just close the account. '' but the employee repeated themselves, laughed quietly, and then ended the call. 

As there are only XXXX people on this debt, I feel it is an attempt to collect money that I do not owe if I want this taken off of my credit report. I should not be made to pay 80 % of a debt to close it and have it off of my credit report if there are XXXX parties responsible for the debt.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

My interest is being manipulated, I am being charged HIGH fees, I have screen shots to show my statements not being available to reflect the correct balances. I would like someone to look into the possibility of fraud. I have already expressed my concern to the company.
Consumer complaint received 2018-01-25
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: EQUIFAX, INC. (MO)

I 've spent 3-4 hours trying to get XXXX  to provide my XXXX and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my XXXX and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I filed a dispute with Equifax about my account credit balance being incorrect. On XXXX XXXX I receive the dispute resolution from Equifax showing the correct information " account paid in full {$0.00} balance '' On XXXX XXXX I receive an alert showing the my account balance has increased from {$0.00} to {$3000.00}. On XXXX XXXX I run a new report and I see that Equifax continues reporting the wrong account balance. Please help, attached is the dispute resolution from Equifax. thanks ( PAGE XXXX )
Consumer complaint received 2023-04-28
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RI XXXX  You are direct violation of the Fair Credit Reporting ACT ( XXXX Account number # XXXX ) has violated Several my right. 
15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : ; it also states that I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as TransUnion, XXXX, XXXX and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.
Consumer complaint received 2023-04-28
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. (NV)

I have tried to no avail to work with XXXX XXXX XXXX I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and XXXX from other who have run into the same problem as I have with this company. 

I have been calling sending letter and getting zero assistance. 

I am a XXXX XXXX whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them.

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (LA)

I 've been with NetSpend, a XXXX entity since 2005. On XXXX, I contacted the bank to let them know that someone actually may have stolen my card number as my card was used XXXX when I clearly live XXXX. Customer asked that I provide them with a confirmation email about the dispute in which I sent from my personal email address and within the banks, website. I received word of my submission and they asked that I give them 14 days. On the XXXX day, I called after received notice that I did not provide documentation. They stated that they wanted me to send again, which I did while on hold along with their receipt however I asked to speak with a supervisor XXXX and was on hold for almost 2 hours. When the supervisor did come on to the line, she stated that she would have to call investigate the investigation department and then would get back to as she did not show any documentations from XXXX nor fron when I was on the phone today. I simply want my money back when its clear that I did n't do this. I have since destroyed the card and had to wait a week for a new card. Now, as of today, they are stating that the investigation will not be completed until XXXX XXXX. I do not think is is acceptable when I provided everything that they needed on the same day. If your bureau can be of any help or better yet, just get the word out that this is happening at this company, I would appreciate it. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

I have paid off my student loans to XXXX and I want the accounts closed immediately but I can not get Navient to respond by email or phone to solve the problem. I have heard MANY complaints about people getting billed for more after getting their loans down to XXXX. I want my loan accounts closed so that they can not do this to me. If you have any suggestions as to how to get them to do this, I would be very grateful.
Consumer complaint received 2015-08-24
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (MD)

I submitted a Deed in Lieu to JPMorgan Chase Bank , N.A . in 2011. It was received and accepted by the lender but never processed. To this day, I am still receiving notices from XXXX XXXX XXXX XXXX about assessment fees. This issue was supposed to have been settled between Chase and the HOA last year. The DIL was supposed to have finally been settled early this year. None of these things were settled and my credit score, along with threats of suit, is suffering.
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NC)

I XXXX XXXX XXXX had an account with BB & T BANK Routing # XXXX & Account # XXXX, in XXXX NC XXXX. BB & T 's Bank Manager told me that his Representative will CLOSE my wife & my Account as of XXXX XXXX. XXXX, she did ( letter enclosed ). I ( XXXX XXXX went to BB & T to make sure this was recorded in their files, it was not.I spoke to a XXXX XXXX XXXX at BB & T she stated that, quote '' that manager was n't suppose to CLOSE this Account & he was n't suppose to wave any fees, you 're have to pay all fees & your Balances '' unquote.Well, here 's our " Account Closeout Receipt enclosed! '' Our name is in the XXXX, because of this! Sign, XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I disputed a debt with XXXX XXXX and they filed a lawsuit, lawsuit was dismissed by a Maryland State Judge, yet the information is still showing in my credit report. Once a Judge dismissed the case, the debt is over, the Court says I do n't have a to pay it. Further, every XXXX years XXXX has been submitting " write off '' in an attempt to keep the debt active. MY reading of the data on the internet says that this is illegal. I have lost many jobs and Experian, XXXX and XXXX refuse to update this case. This has been going on since 2008! ( Case Dismissal is attached )
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I am a customer with XXXX. I have a checking account with them since XXXX. I use the online services. I have set up an external account with XXXX XXXX for ACH transfer into XXXX account within their online portal. I have made several external transfers in the past with no issues. I made an external transfer on the XXXX online portal for the amount of {$1000.00} from XXXX XXXX  into XXXX. This was done on XXXX. On XX/XX/XXXX - the fund of {$1000.00} was withdrawn from the XXXX account. These funds were taken from the XXXX account via an ACH from XXXX. These funds were never posted to the XXXX account. I have called XXXX 8 times. Each time they state that the middleman has the money. ( I later found out the middleman is the XXXX warehouse ). Supposably they reversed the transaction on XXXX to send the funds back to XXXX XXXX. For some reason they were unable to post the transaction. They told me to wait three days. When I called XXXX after the three days - they told me it is a XXXX XXXX issue. I have now called them 8 times. Each time it takes over a half hour to explain the situation. Once you get to the correct person, they tell you it is not a XXXX issue. It is an issue with the middleman and to call XXXX XXXX I then call XXXX XXXX and they are unable to do anything because they have released the funds to XXXX. 
It is now a over a month and the {$1000.00} is missing. XXXX is unwilling to do any type of fraud report. nor do they give any suggestions to resolve the issue. There must be some type of protection for the XXXX in this type of electronic transaction. 
There is a clear transaction history of the XXXX withdrawal on the XXXX account debited on XX/XX/XXXX for {$1000.00}. XXXX- once you get through the levels of the phone representatives are able to see the transaction. However- no one can tell where the money is nor are they willing to tell you how to get the funds. i am banging my head against a wall.
Consumer complaint received 2023-04-28
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. (MN)

On going issue with closed accounts. Reporting on my credit profile. The information was pulled from consumer reporting agencies- XXXX - TransUnion - XXXX - these accs are fraudulent closed accs- I filed a complaint and fraud report with federal trade commission- and my states attorney office regarding thees matters- please remove the filling accs - XXXX XXXX -acc # XXXX XXXX XXXX -acc # XXXX XXXX XXXX -acc # XXXX Please note that these accs was tied to my adress and email - details are enclosed with the documents attached