davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I have an auto loan with fifth third bank. I've consistently paid my bill, and set up autopay so that I didn't have to remember to manually pay the bill each month. 

For my bill that was due on XX/XX/2023, the autopay did not process. This led to be missing a payment, hurting my previously excellent credit score, and causing additional fees. 

I

called and requested additional information as was told that they didn't know why the autopay didn't process and that nobody in the company would be able to tell me that information. I asked that the credit issue be removed as it was due to an error which they said they could not do. When I mentioned that I would be filing a complaint they offered to waive the fees, but maintained that they would not remove the credit issue. I asked to speak to someone at a higher level and was told I would receive a call in the future. The call never came. I eventually paid off the balance due because I didn't want to be 60 days in default, and at that point also had to pay the late fees. I can only wonder if the company is intentionally cutting off their autopay in order to create additional fees for customers. I simply would like this black mark removed from my credit.
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (GA)

This account is reporting on my credit report and it isn't mine nor is it from an address that I live at. The collection agency didn't provide me a contract with my verified signature or verification of my social security number. 've contacted the collection agency and they sent over statements from a fraudulent address that's not mine ( nothing verifiable ) and WILL NOT REMOVE IT FROM MY CREDIT!
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX continue to report my information incorrectly. My name is XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX  XXXX there should be no other names or addresses listed on my report. I have provided all required documents to the consumer agencies to verify this information.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I sent my XX/XX/XXXX payment via bill payment through my bank. See attached. About a week or XXXX later and till this I am getting emails and calls that my payment is past due. 

I check with my bank the payment was sent and processed. 

I have sent messages through secure mail on the website. I'm told I need to call or chat. I did chat with a customer service rep from Ally and they said they are looking for the payment and will get back. XXXX has beer gotten back to me. Except to continue to get calls and emails that payment is late. But it's not late again it was sent through my bank and processed. Ally has the payment. But I'm getting late fees and harassing emails and calls.
Consumer complaint received 2023-10-23
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2016-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not 30 days late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
Just like the university, I am committed to pursuing truth unto its innermost parts. My ideal resolutions would be that XXXX University and Campus Partners immediately remove this mark on my credit report as I have proof that I have been paying the amounts due well before they were 30 days late ; AND to provide me with a clear updated and transparent status of the loan including amounts due and dates due as well as the policy of late fees ( fee amount and when they are assessed during the quarterly cycle ). 
As a result, any report of late payment to the Credit Bureaus is unjustified, abusive and improper.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Aspen Yo LLC (IL)

Gregory Funding is the company that sends me statements and takes my mortgage payments every months. over 12 months have went by and they are not reporting to any of the credit companies. 


I have called them multiple times and its not still reporting. 
They took over my mortgage loan in XXXX of 2022.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I booked an XXXX XXXX XXXX while speaking with a rep from XXXX. I was getting a error message while trying to book thru XXXX for the XXXX. The rep told me to book it & screenshot the error. I didnt get a error this time. Told them rep. Tried canceling. The host wouldnt give me my money back. Transaction was about XXXX. Kept going back & forth with with reps. Got a sup. Told me to cancel where I got the cleaning fee back which was XXXX & then the sup added and additional {$100.00}. So I was still left to pay over {$700.00}. I DID NOT STAY here! I stayed at XXXX XXXX! Contacted XXXX. Sent them all my information. XXXX still wouldnt refund them. I called XXXX XXXX XX/XX/XXXX XXXX several days after that! I was told to make the first transaction & I can dispute & theyll credit me back & also stop the transaction!! Well they did a temp credit of {$210.00} weeks ago. I get a email today saying that the charges are valid & they will be taking the {$210.00} back on XXXX XXXX. Spoke with a sup today XX/XX/23. Hes saying they asking for more information terms and agreement when I literally sent them over everything!!! This was something that happened while working with a rep! How am I at fault? Atp if I wouldve known Navy wouldnt have my back & supposed to be the best credit union in the world I wouldve never paid it at all! Its not fair when I didnt stay somewhere! No one wants to help! But if it was one of their family members they would understand. Ive been with them for years and NEVER had to dispute anything!
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (AZ)

This debt was already paid and was being billed through XXXX XXXX, not Arizona XXXX XXXX. In fact, I paid for this bill twice, once with XXXX XXXX and a second time to Arizona XXXX XXXX.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (NC)

I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX and XXXX, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experiences I have had while attempting to open account with your institution. Despite multiple efforts, I have encountered numerous issues, delays, and errors that have severely inconvenienced me. 

Following this initial setback, I decided to give your institution another chance and submitted a second application. Regrettably, I encountered a similar delay and frustration, with communication from your institution being sporadic at best. 

The repeated delays and errors have not only wasted my time but also damaged my confidence in your institution 's ability to handle my financial matters competently. 

In light of the above, I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to my account opening process, with clear communication throughout. If there are any specific documents or information required from my end, please let me know at your earliest convenience so that we can expedite this process. 

Furthermore, I would appreciate it if you could investigate the causes of these issues and take steps to ensure that other potential customers do not face similar problems in the future. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$370.00}. 
.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DID AUTHORIZE THE INQUIRIES LIST BELOW ALSO THERE ARE ALOT OF DUPLICATES XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MI)

The Bilt credit card by Wells Fargo withdrew my rent payment from my checking account without my consent on XX/XX/2023. The rent payment is usually charged to the credit card itself, and I never turned on a feature or agreed to having the money debited from my bank account directly. My checking account is now overdrafted by thousands of dollars and I will be charged overdraft fees/ can not take cash out of an ATM. I reached out to them immediately and their customer service was of no help, saying they had to escalate the case, but in the meantime my checking account is tied up. Based on other online forums, the same thing happened to multiple other cardholders so there is an issue with their system. It is unacceptable to say the least.
Consumer complaint received 2018-05-13
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. (CA)

Over three weeks ago I sent Equifax a dispute letter letting them know that the information reporting on my credit was not accurate and I needed them to provide me the documentation they have on file for Chapter XXXX Bankruptcy Case number XXXX. Equifax responded a view weeks later with a new credit report, and in the report they stated that they have validated the information for the Bankruptcy with a 3RD party XXXX! This had me a bit confused because about 3 weeks prior I had put a Security Freeze with XXXX! to make sure no one was using my information with out my consent. So I called XXXX to confirm that Equifax did indeed reach out to them to verify the account. It was told to me that they were never contacted by Equifax and they provided me a copy of the Security Freeze I requested. So I sent Equifax a another dispute asking why they provided me with this false information. Section 609 protects me against false reporting.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (AZ)

I am writing to bring to your attention a serious issue regarding inaccurate information on my credit report, specifically related to a collection account. It has come to my attention that a collection agency has been reporting incorrect information using my name and date of birth. I strongly believe this is a direct consequence of identity theft, and I am determined to rectify this situation promptly. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the erroneous collection account from my credit report. I understand that accurate credit reporting is crucial for maintaining financial stability and trust in the credit system, and I am committed to resolving this issue in a timely manner. 

To assist you in your investigation, I would be happy to provide any documentation or evidence necessary to demonstrate that this collection account does not belong to me. Additionally, I have taken the necessary steps to report the identity theft incident to the appropriate authorities and obtain an identity theft report, which I am prepared to share with you upon request. 

I am confident that your expertise and commitment to consumer protection will guide you in resolving this matter effectively. I greatly appreciate your attention to this urgent matter and look forward to receiving updates on the progress of your investigation. 

Please provide me with the necessary steps to initiate the investigation and any supporting documents you may require. I eagerly await your response and am hopeful that together we can rectify this situation promptly and restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SinglePoint GI (OH)

I have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (MS)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2400.00} DEPT OF ED/XXXX  XXXX Balance : {$51000.00} XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022