davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXXXXXX 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 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am  XXXX . I suffer from   XXXX   XXXX  . I was working while attending the school that I obtained a loan for. At a certain point my   XXXX   had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my Mothers credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is social security  (  each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my Mother. I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

I am writing to file a formal complaint against PayPal Credit c/o XXXX  XXXX  regarding a violation of the Truth in Lending Act ( TILA ), specifically Regulation Z 1026.8 ( a ) ( 1 ) ( i ). I have an open-end credit account with PayPal Credit and have received billing statements that do not meet the requirements of Regulation Z. 

Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Billing Cycle Dates : XX/XX/XXXX, XXXX Issue Description : The billing statements I have received from PayPal Credit c/o XXXX  XXXX  lack meaningful identification of sellers or services involved in multiple transactions. Instead, these transactions are ambiguously listed as " X '' without any clear indication of the merchants or services associated with them. As a result, it is difficult for me to verify and reconcile the transactions, making it challenging to understand the charges and assess the accuracy of the billing statements. 

Attempts to Resolve : I have already contacted PayPal Credit 's customer service to address this issue. However, their response did not provide a satisfactory resolution to the problem. I expressed my concern and requested clarification regarding the transactions listed as " X, '' but the representatives were unable to offer a clear explanation or meaningful identification for these transactions. I have had multiple interactions with their support team, which all seem to be located overseas, and they do not speak or understand Standard American English well enough to understand that this is not an allegation of fraud. 

It appears that PayPal ( distinct from PayPal Credit ) has reversed the charges in question, and now the merchant is puzzled and contacted me.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I disputed a charge on my credit card almost 5 years and since then they have constantly called and harassed me on a daily basis at least 6 times a day and threatened to sue me. They call everything day harassing me
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments ''  (  late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.
Consumer complaint received 2023-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

as of XXXX XXXX XXXX i have notice fraud accounts and inquiries on my credit report account name : capital one account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''
Consumer complaint received 2022-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (CT)

In XXXX of 2022 I joined Self so I could help build my credit since I didnt have any, while opening the account it told me I had to speak to customer service because something was wrong they stated I didnt have any identity. I was told by an employee If I made any payments it wouldnt help my credit being that I didnt have any, so I didnt make the payment and the account was closed and now its on my credit as a late payment, Im trying to get this off my credit report because this is ridiculous if thats what the employee told me to do then this needs to be rectified.
Consumer complaint received 2023-06-15
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2021-07-28
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: EQUIFAX, INC. (GA)

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Consumer complaint received 2022-11-16
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-22
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. (NY)

I've contacted them several times about the identity theft on my report on the hard inquiries yet they are still on, these are FRAUD!! I didn't give any written permission to use run these inquires according to 15 usc 1681b. and accoring to 1681c I request a block immediately which according to federal law you have 4 business days after receiving this request but the only thing is I sent this request in on Monday XXXX days ago you guys are late 15 usc 1693n you guys are in criminal violation.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments '' ( late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lyons, Doughty & Veldhuis, PC (MD)

It began months ago when I began the journey to pay off all my debts and rebuild my credit. I had a total of XXXX debts on my credit I paid XXXX of them but when it came to the last one I had difficulties finding who owned the debt. I contacted the original creditor XXXX XXXX on XX/XX/year> and I was told that I have no debt with them. So I then filed a dispute with the credit bureau, so I could find out how to pay the debt, and have it removed from my credit. The results of the dispute gave me the name of the debt collection company called XXXX XXXX XXXX. So I contacted XXXX XXXX management on XX/XX/year>, and they said that the debt was now owned by a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX. and I needed to speak to a specific person by the name of XXXX at extension XXXX, her direct line is XXXX. I called her for XXXX weeks and she never returned my calls or responded to my messages. I called back today XX/XX/XXXX I spoke to XXXX I asked her If she could email me something in writing pertaining to the debt she said no, and then she proceeded to tell me that they took me to court and the judge granted a judgment against me that allows them to seize my bank account. I tried explaining to her that this is not my debt nor have I had any action taken against me on my bank account, and I think they have me confused with someone else. She proceeded to tell me that they have mailed me notices several times I explained to her I have never received anything about this debt nor do I know what it is. I even asked her what address was she sending these notices and she refused to tell me. The lady laughed at me and hung up the phone in my face. So at this point I still have no resolve after spending almost 3 months trying to resolve this debt, or simply find out what the debt is. I'm frustrated because I have nothing negative on my credit other than this debt. I need help getting this removed from my credit report. Thanks
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (AR)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Consumer complaint received 2019-11-02
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. (FL)

On XX/XX/2019 I sent a letter to Trans-union notifying them that XXXX XXXX had made an error on my credit with the closed card ending XXXX. As they had incorrectly reported late payments and a charge off on my credit. They said they would re-investigate, upon re-investigation Trans-union claimed that the company verified the information was correct which according to XXXX XXXX in their response was not so. Instead XXXX XXXX stated that they have repeatedly asked Trans-union to remove the negative information and they have ignored them. This leads to my complaint. If the company that reported the information is telling the CRA that the information is incorrect! and the client is also telling the CRA the same, why wont the CRA remove the information?! I have repeatedly informed Trans-union how their furnishing of this adverse information has impacted me and caused me to be paying substantially high interest rate on credit cards and even being denied credit. Trans-union does not care! I sent another letter again on XXXXXX/XX/2019. Finally on XX/XX/XXXX, after being denied one final time by a creditor I decided to take the final step by sending the response of XXXX XXXX through the CFPB and XXXX, which clearly states Trans-union needs to delete the information ; and Trans-union is now telling me that they need to verify my identity. Why? I have sent multiple copies of my Social and Drivers License to verify my identity, however they have decided to take this unethical tactic because they  do not want to fix the problem. Hopefully by making this complaint through your agency ( CFPB ) Trans-union will actually listen for once and do what the creditor and client has requested to do for the last 6 months!
Consumer complaint received 2019-11-02
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. (NV)

RE : REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in the FTC complaint.

I demand the following accounts be verified or removed immediately.

Please remove all non-account holding inquiries over 30 days old as well as any and all accusations of inquiry, true or not, which LACK PHYSICAL DOCUMENTARY TESTAMENTs to its FACTS.Please delete any and all inquiries that do not currently have certification of being with PHYSICAL DOCUMENTARY proof of adequate federally REQUIRED permissible purpose from anyone lawfully and exactly identified as being me and ONLY me or any such authority with PROOF of their then-current status to do such an act without my direct consent and or substantiated writing acknowledgement of their rights to do so. UNDOCUMENTED allegations of applications thatcan NOT be PHYSICALLY attested to as factually TRUE, CORRECT, COMPLETE, TIMELY, and in COMPLIANCE with Metro 2 regulations MUST BE IMMEDIATELY removed by complete and PERMANENT DELETION, particularly INFRINGING is if retained upon a challenge to its reporting and also its potential DEFICIENT nature! Additionally, Please add a Promotional Suppression to my credit file. Lawfully any and every DEROGATORY account lacking PROOF of ownership and responsibility to INCLUDE legally obtained PERMISSIBLE PURPOSE must as well be neutralized. Mentioned here or not, EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF the derogatory accounts linked to a DEFICIENT of compliance ALLEGED INQUIRY should be ANNULLED IMMEDIATELY. I demand that you DO SO to all such reported items of mis-reportings and or misinformations, regardless or not if mentioned or not.IGNORANCE to a INFRINGEMENT is NOT lawful reason to be derelict!
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (NY)

I took out a loan on XX/XX/XXXX in the amount of {$21000.00} through Best Egg there origination fee was {$1200.00} the Lender is XXXX XXXXXXXX XXXX My monthly payments are {$640.00}. The loan interest rate is XXXX percent annual. My first payment was on XX/XX/XXXX. 
from that month to this present month XX/XX/XXXX, I paid {$7100.00}, XXXX XXXX dollars from my monthly payments went to the the interest, with only {$2100.00} going towards my outstanding balance of {$21000.00} which is now stands at {$19000.00}. This is where i am having a problem, why I am paying so much interest, I spoke to a Best Egg representative concerning this problem, she told that is how it is, I then ask to speak to a Supervisor, who then told me there is nothing she can do also, she then ask me if i want to enter a hardship program, i told her no, my problem is with the outrageous interest, she then said that is all she can offer me. I am seriously requesting the attorney general assistance with this problem, these charges by best egg and the XXXX XXXX XXXXXXXX XXXX  are absurd and myself as a consumer, should not be going through this. 
Thank You XXXX XXXX
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (ND)

First of all, the loan was supposedly denied until they put me on my fiances loan. I was not working at the time so can not imagine how it would have helped. He later was unable to work for a period of time and got behind on the payments. After repeated attempts to get lower payments or to refinance the vehicle was reposessed. NOw it is killing our credit. I now work at a financial institution and in our training we have ecoa trainings I should never have been put on the loan as I was unable to pay for it. what can I do?
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX   THAT WAS OPEN UP ON XXXX XXXX IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.
Consumer complaint received 2023-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (NY)

I have been trying to reach Ally bank in multiple forms calling, emails and physical mail but I have get to get a response sent back to be other than an automated email that they received my email. I have requested multiple times for a response and have gotten nothing in return.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY ()

For a couple of years now I have been trying to resolve a missing payment for a balance reduction from my XXXX card to my Amex card. The Amex card is now closed however I have obtained a copy of the cancelled check and dispute letter from XXXX. I also recently re submitted a complaint directly through Amex without any result. 

Because my credit card is now paid off and closed I can not access the old credit card number it was under. 

I believe the initial issue may have been that I mis typed the credit card number for my account. My own account number was never credited even though amex cleared the funds. 

When I contact amex they say they have no record of my payment of {$3000.00} even though I have a cancelled check indicating otherwise.