davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bepensa Capital, Inc. (FL)

On XX/XX/XXXX I was instructed by XXXX XXXX to sell my car to XXXX and pay the difference as a secondary option instead of surrendering the vehicle. Receiving the quote from XXXX and filling out documents to sell the car, I was told that the associate of sales at XXXX, by the name of XXXX, was giving the loan company an issue, finalizing the sale. XXXX XXXX then pick up the vehicle and sold it to an auction company only to leave me with the remaining debt and no vehicle. 
I have repeatedly called them and received no help in regards to this matter. On XX/XX/XXXX I called and spoke with an associate who took my information and reassured me that I would get a call back from the gentleman who handled the purchasing of the vehicle and selling of the vehicle with XXXX. On XX/XX/XXXX I called back again to gain further information on why this debt is still being reported. I spoke with XXXX in the title department and received a call back from XXXX stating that the car was repossessed because I refused to sign a release form with XXXX, which is completely false.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
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. (OH)

I am writing to once again dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes. I have previously disputed these inquiries and provided evidence to support my claim that they are unauthorized. However, it appears that the inaccuracies persist, which is concerning as these unauthorized inquiries can negatively impact my credit score and financial reputation.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

discover request tax documents due to routine identity verification. 

called into discover to get this issue immediately resolved as to i dont file taxes, was told to file a form at the local bank and have notarized, i was sent the form, and i saw where there was only ONE SPOT TO ENTER ONE ACCOUNT. and i explained i have TWO WITH THE SAME BANK. and was told to just combine and upload both statements. 


which i did. 


i was then told that the paper the bank filed out was improper to have it resubmitted, and i did this, now the second time, and i uploaded my statements again! now XXXX bank statements which clearly back my verification of income and identity, than i was told that the employee that told me this information about combining accounts was incorrect and that i was now out of time and my account was to set to be closed but i could go to the bank OR A UPS STORE NOW FOR THE third time and just upload XXXX set of bank statements for XXXX account. which i did. 


now my account is closed and getting no help
Consumer complaint received 2024-01-03
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: National Account Systems of Omaha, LLC (NE)

I hired a contractor ( XXXX XXXXXXXX XXXX XXXXXXXX ) to do some maintenance on a furnace that they did not complete or provide me the serial number of the product that the contractor stated was installed. Due to their failed three attempts to correct the issue they offered to give me a credit of {$75.00} off the {$600.00} bill. I told them to supply me with the serial number for warranty purposes which they could not. There was no application for credit requested or signature for completed work. The contractor, without a court order, sent me to collections with National Account Systems which is unwarranted since this is a contractor dispute, not a credit issue. I contacted National Account Systems to inform them of the incorrect filing and they would not remove the error from my credit report.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I also added funds on XXXX  in the amount of {$600.00} as well as XX/XX/ I added {$600.00} and XX/XX/ I added {$600.00} totaling to {$2400.00} to pay my credit builder. For a month straight the customer service claimed to see the payments processing and would tell me that my balance and available spending would update but it never did. After calling to see what the issue was with the payment I was told that they no longer could see the payment at all and there was nothing to update as well as no information to provide.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank in XXXX  XXXX on XX/XX/2022. My account was frozen unable to use funds. Use ATM or debit card. When I tried to resolve the problem Chase Bank said it was fraud and there was an investigation. However, they could not provide a claim number to supposed investigation or any information pertaining to why my account is locked. I was told to contact the sender which makes no sense.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Early Warning Services, LLC (AZ)

Recently I have been denied opening bank account because you are falsely report an alleged debt. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023 containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm.

Kindly govern yourself accordingly.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliance Collection Agencies, Inc. (WI)

Alliance Collection Agency received a bill to collect on me, which was {$1500.00} at the time, from my dr. /hospital. and they contacted me and tried to get me to pay them an amount I couldn't afford. Instead, I pay a smaller amount every month to them. The bill they send me is for the full amount every month since. I was notified the other day that Alliance took the {$1500.00} bill and broke it up into 7 smaller bills and reported them all to my credit report with the same dates of service, in otherwords, the same bill they send me every month with the full amount. They are sending little bills to the reporting agency and a huge bill to me. How shady is that? Is this even legal? Why would they do this to me. I might not be paying the huge amount they wanted, but I am paying what I can each month. Why would they do this to someone just to ruin their credit? What can be done? Please help.
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (FL)

XX/XX/2016, I applied for fortiva credit card for XXXX XXXX XXXX I was approved, but at the time of that appointment I had to pay the first appointment myself. I was approved for XXXX. I never once used it. Since 2016 I have been fighting with this company, this company is actually the reason I was not allowed into the XXXX Im not quite sure how I am being penalized for a credit card I never once used, I simply was JUST APPROVED.
Consumer complaint received 2023-12-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MA)

The CBE Group has been relentlessly sending letters in the mail and phone calls claiming I have a {$220.00} balance to XXXX. The service address in their claims is not my address, nor was it ever my address. 

I've contacted CBE group regarding this endless amounts of times. I have submitted disputes through the mail and over the phone. I have made complaints to the Iowa Attorney General and the Massachusetts Attorney General. 

I disputed the debt on XXXX. 

The last time I called CBE to remove the debt, they said they can not do that until I prove I never lived at the address. I explained that the burden of proof is in fact on CBE Group to prove I lived at the address and that the debt is mine. Clearly they do not have any standing as the representative said with boredom, " we're just a contracting company '' and offered no support. 

I have exhausted all resources to have this debt removed and to have communications from CBE regarding this bogus debt cease. A quick internet search will tell you that CBE is a scam group, making false claims to many consumers such as myself. 

CBE needs to be investigated and this situation needs to be resolved.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (LA)

As of early to mid XXXXXXXX XXXX, Loancare , LLC, has been down. The parent company, XXXX XXXX XXXX, shut everything down after a cyber attack. They still have not got it up and working. We can not access our mortgage accounts to make payments ( I've never been late ).

Absolutely, No Communication from Loancare about this serious situation. We learned through message boards and forums. 

** My financial data is now compromised. ** My payment, well, who knows when the Site will be up, so more than likely it will be considered late and my credit might take a hit through no fault of my own.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (SC)

On Sunday XX/XX/2018, I browsed the XXXX website with an interest in purchasing the Frame TV. XXXX advertised a partnership with TD Bank allowing for interest free financing of the TV. I applied for the financing with TD Bank and was immediately approved. My credit score was adversely affected because of the credit inquiry and subsequent extension of credit to purchase the TV as advertised by XXXX. Upon placing the order with XXXX, my account was flagged. XXXX said that they often have this " glitch '' when receiving orders being paid with TD Bank 's financing even though I was fully approved. They advised me to verify the shipping and billing address with TD bank, all of which I did. XXXX said that they would remove the flag and that I would be able to place the order using the TD Bank financing. Today, I received an email stating that they would not remove the flag and to place my order using another method of payment. As I explained to XXXX, that response was unacceptable since they fraudulently induced me to apply for credit with TD Bank, thus affecting my credit score, when three XXXX representatives told me that they are aware of a " glitch '' in their system that will not allow the order to proceed.
Consumer complaint received 2023-11-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MA)

XX/XX/2023 ( with XX/XX/XXXX XXXX stamped date ) the I.Q. International Data Inc., a third-party debt collection agency hired by Residences at XXXX XXXX  XXXX XXXX validated '' debt : Stated the principal Due : {$4300.00} ( including notice fee ) + Interest Due : & XXXX in a total of {$5200.00}. XX/XX/2023, I have responded to I.Q. Data International , Inc. to dispute the amount owed. I have noticed them that the apartment agreed to early termination because I have surrendered the apartment to avoid non-paying rent and eviction a few month before the lease end and I have lived there over a year. The property management company said they would refund my deposit but they never did. The Residences at XXXX XXXX has been sued many times due to their poor management. 

The principal due they were trying to correct was higher than numbers of month x rental cost and the owed deposit was not included in the balance. It took them XXXX  years later to notify about this debt and increasing the interest amount every XXXX  days. They have never provided any detail document or original agreement but a few lines : principal due, interest dues and total amount due. 

With a few more attempts asking for original proof/document, I have not heard back from them since XX/XX/2023.
Consumer complaint received 2023-11-27
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. (GA)

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of sucessful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. 
As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. 
I would also like to request a copy of my updated credit report after the information has been removed or blocked. 
I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. 
Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.
Consumer complaint received 2024-04-12
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of an Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. List all the account names and negative accounts.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I been riding around with a paper tag on the car. Now for 11 months.When I purchased the car the company went out of business. I been having a hard time getting a tag for the car. I make my monthly payments on time.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: OLD NATIONAL BANCORP (MI)

Old national bank closed my account after I made a deposit I rescission contract because the is a breach of contract as the beneficiary without recourse I demand that damages be paid for my fee for any surety assets and interest also the breach of contract fee is XXXX XXXX dollars for all closed accounts
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIRST HORIZON BANK (MD)

First Horizon has failed to respond to my prior three letters requesting that First Horizon immediately provide the following : Amortization of the loan as initially drafted and signed regarding loan modification on XX/XX/XXXX. 

*Note - First Horizon has misappropriated funds for 13 years and has not held themselves accountable.

Previously, I highlighted that First Horizon had violated the contract, as it did not apply any payments to the principal as illustrated in the below articles ( attached XXXX XXXX XXXX XXXX ) : 1. " Article 3 Borrower promises to make initial monthly payments of U.S. {$3100.00}, beginning on XX/XX/XXXX, until the first principal and interest payment due date XX/XX/XXXX, '' 2. " Article 4 The first principal and interest payments will be due on XX/XX/XXXX. '' Again, in summary, First Horizon directly applied all payments to interest in direct conflict with the contract dated XX/XX/XXXX. 
This complaint does not address prior violations, unmarketable title, pain, suffering, and the undue burden First Horizon has caused and continues to cause us as consumers. 

Also, this letter does address the signed affidavit First Horizon introduced in court in XX/XX/XXXX, indicating its accounting was accurate. As per my XX/XX/XXXX correspondence, this was a fixed loan. 

Also, please provide all correspondence First Horizon has provided to third parties.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.