davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am contacting you because these accounts are inaccurate, and your company is STILL reporting errors on my credit file. This is causing damage to my credit score. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I have requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every XXXX. I will file for litigation if I have to.
Consumer complaint received 2017-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trans National Credit Corporation (FL)

I just discovered that there is a medical collection being reported to my credit by Trans National Corp, since the beginning of 2017. It 's for {$160.00} from   XXXX   XXXX   XXXX  , which I had to look up to discover is an  XXXX . I   XXXX   XXXX   last year and I assume this is from that.
Except I am fully insured, so there should be no outstanding debts. In fact, they told me to bring in {$2500.00} to cover my deductible and coinsurance, and I did. I was under the impression that I was paid in full, and never getting a bill certainly did n't do anything to dissuade that assumption. Had I received a bill, I 'd have taken care of this before it ended up as the ONLY negative mark on my otherwise  XXXX  credit report.
I also never got any notice of collection from Trans National so, again, I had no chance to get to the bottom of this error before seeing it on my report.
I 've disputed it with  XXXX  ( it 's only on   XXXX   ) and it came back as verified, so I assume they did n't actually do any real verification or it would have been deleted. Additionally, it is n't reporting as disputed, which I 'm told it has to be when you dispute something.
Consumer complaint received 2018-04-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation (TX)

After speaking with the company and submitting a prior complaint, I researched and called the Secretary of the State and this company isnt bonded in the state of Texas to collect any debt. I have obtained a certificate from the state that has this information enclosed and will attach the document to this complaint. I would like for this item to be deleted from my credit report with all 3 bureaus immediately in fairness of my rights with the state laws along with the laws and regulations of the FCRA. This company has caused financial hardships and making it difficult for credit worthisness.
Consumer complaint received 2017-07-17
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. (CA)

COMPLAINT : TRANSUNION,  XXXX ,   XXXX   XXXX     MILLION CONSUMERS IN CA L.  XXXX  MILLION  CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO    XXXX   INQ UIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN  XXXX  INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  10 INQUIRIES  EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING  WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE  XXXX  MILLION CONSUMERS IN CAL, THE  XXXX  MILLION IN LOS ANGELES COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH  XXXX  AGENCY  AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES T  O THE CONSUMER???
Consumer complaint received 2017-07-17
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)

Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
Thank you.
Consumer complaint received 2022-05-26
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 Accounts : XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Inquires : XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (GA)

I am a living human being and I have rights under 15 U.S.C. 1681. 

XXXX is governed by 15 U.S.C. 1681and they have violated my rights on numerous accounts. I demand the accounts listed below to be removed because according to 15 U.S.C. 1681 : I have the rights to privacy and I did not give XXXX XXXX or Experian written permission to furnish these accounts. 

XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXXExperian XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Experian XXXX Experian XXXX Account # : XXXX Account XXXX : XXXX XXXX Experian Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX Account # : XXXX Experian XXXX Account # : XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AC AutoPay LLC, Denver, CO Branch (CA)

I went onto XXXX to look for an auto refinance loan. 
Autopay.com was offering me a personal loan quote for my refinance of 3.97 % and a term of 60 months. 
I applied for this loan offer and spoke to Autopay and informed them that I am only interested in a loan at those terms. 
They promised me I had nothing to worry about. 

Later I receive notice from one of there partner lenders that I am being approved for a loan at 8.01 %. I did not apply for any loan at this interest rate. I did not apply for a general refinance loan where the lender would offer me interest rates after a credit inquiry. 
I applied specifically for a loan at 3.97 % and a term of 60 months. 
This hard inquiry has now caused me damages to my credit report.
Consumer complaint received 2017-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (FL)

Around XX/XX/XXXX, Allied Collection started reporting a retail collection, on behalf of XXXX XXXX, to my credit. According to the report, the account is from XX/XX/XXXX, yet this is the first I 've heard of it. I do n't know what XXXX XXXX is. I have never heard of that store, and certainly never shopped there. 

I tried to look it up online and all I found was a loan company with tons of complaints about fraud and operating without a license/illegally, etc. I 'm not sure if this is the same, since loans are n't retail, are they? 

Either way, the balance has somehow increased from {$300.00} to {$380.00}, which is also odd for an account that I did n't even know existed and has been closed for five years. I 'll be honest, the whole thing is suspicious, not least of which that I never got a bill or collection notice in five years.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (IL)

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 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive sent Bank of America multiple requests to remove PMI from my home loan due to meeting the 78 % requirement since  XXXX   XXXX . Bank America has refused to grant my request stating that I must pay a partial claim in full before I am able to remove PMI. Ive asked Bank of America to send me language in writing which states that I am required to carry out such action. Bank of America has failed to do so.
I initially thought that I could use new appraised home values to remove PMI. I contacted FHA and was informed that I can only sue the original appraised value at the origination of my loan. As a result, I have amended the amount of PMI payments in which I shall be refunded. FHA also informed me that there is no language within the Housing Policy Handbook which states that I must pay my partial claim in full prior to removing PMI. My loan was modified in  XXXX . I understand that homeowners who obtained loans after   XXXX    are unable to remove PMI. However, this does not apply to my loan.
I was informed by a FHA resource representative that I have to make another attempt to contact Bank America to resolve the issue. Bank of America has failed to resolve this matter.
The original appraised value of my loan was {$200000.00}. Based on my amortization schedule, my current principal balance is {$160.00}. Ive met the 78 % LTV ratio since   XXXX    XXXX  when my principal balance was {$160.00}. As a result, I have recalculated the amount ( {$320.00}  XXXX    XXXX     XXXX   ) of PMI payments in which I shall be refunded. Can you please assist me with enforcing Bank of America to comply with the terms of contract agreement.
Regards,   XXXX   XXXX
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXX, Unknown - XXXX, Public Record - Federal,
Consumer complaint received 2024-03-18
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-05-25
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: M&T BANK CORPORATION (TX)

M & T Bank reported a negative trade line account on my credit report. 
This is not my account and the information was reported inadvertently. 
Hindering my ability to obtain the opportunity to receive the credit credentials due to me.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC (FL)

Clear One Advantage said they would help me pay off my credit debt between 28-36 months at {$560.00} a month, and at 27 months they call and told me that it will be another 24 months to pay off my debt and denied the previous agreement. Most of the time I call Im talking to a different person and told something different. 
They record every call and they know what the agreement was from the beginning.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

Checked my credit reports last night ; do that every so often. Equifax 's report had my residence in a state I've never lived in, and my credit score had dropped 50 points. I have been trying all day to contact them to find out what's going on and why. Can not connect with them. Have tried to go through Oregon Ombudsman, but no answers there. All I want is some answers to some simple questions, but am beginning to suspect my identity 's been stolen. Also am beginning to suspect I live in a third-world nation, and I can't get any answers from anyone. Can you please help me? Thank you so much!
Consumer complaint received 2024-03-30
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. (GA)

XXXX, equifax and XXXX are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (TX)

Cnac tx XXXX is reporting that I owe a balance they have already charged off & took the tax break on. Now a company can not take the tax break and still collect ( double dip ) on a debt.
Consumer complaint received 2023-06-22
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 (KY)

On XX/XX/2023, I went online and made a payment to my American Express credit card account in the amount of {$3800.00}. The funds were taken out of my account by ACH on XX/XX/2023. I received my next statement for XXXX and XXXX XXXX payment was reflected as received. I received my next statement for XXXX  with no mention of the {$3800.00} on it. Now, on XX/XX/XXXX I get an email from American Express saying there is a problem with your account and they have not received the {$3800.00}, two months after they received the payment. American Express did a three-way call with my bank who assured them that the funds had come out of my account and were never returned. I have called American Express multiple times and can not get it resolved. They keep saying it was returned but it was verified by my bank that it was not returned. American Express has been horrible to deal with and I am at a loss as to where to go from here. We have had this account for over 30 years with no issues. I always thought American Express was the safest credit card to use but I was terribly wrong. I am in desperate need of help to resolve this issue.
Consumer complaint received 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I am requesting your immediate involvement to assist in solving the problems that exist when my loan was assigned to servicer - LoanCare , LLC. I am a FIRST time home buyer in Michigan. I closed on my FHA loan in  XXXX  2017. My first payment on this mortgage was due   XXXX   XXXX  , 2017 in the amount of {$540.00}. I received a letter from   XXXX   XXXX   dated   XXXX   XXXX  , 2017 instructing me to make this payment directly to them ( see attached ). I received a letter on   XXXX   XXXX  , 2017 from LoanCare , LLC instructing me to make all further payments to LoanCare , LLC. I have adhered to both of these letters. The PROBLEM arose when I was contacted by LoanCare informing me that they are missing my   XXXX   2017 payment. I have explained to them in THREE different conversations that I was not instructed to pay my mortgage to them in  XXXX . At the present time, they reflect my account 30 days delinquent because they did not receive my   XXXX    payment. I paid the mortgage payment as instructed to   XXXX   XXXX  . Although I have provided evidence of this neither   XXXX   XXXX   nor LoanCare will correct the records and my credit is in jeopardy for erroneous information. I have been promised each time that someone will return my call, this includes escalations to management (  XXXX  between  XXXX - XXXX  ) no one is responding. This is extremely frustrating as a first time home buyer that I am the victim in this entire mismanagement of my account and no one seems to care. They ( LoanCare ) keep asking me for payments that were made according to documents received. My next payment is due   XXXX   XXXX   but I am being told I owe for   XX/XX/XXXX   by LoanCare because the payment I made to them fo r  XX/XX/XXXX  posted for  XX/XX/XXXX . I  have done everything in my power by providing proof of payments but I am getting no where.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CT)

Hello, I have an  XXXX  and my account is updated and fully funded.   XXXX   is provided via   XXXX   XXXX   XXXX   website. During my travel from   XXXX   to  XXXX  via  XXXX , a single toll detector might have failed to detect my displayed   XXXX   in the windshield. Then I received a traffic violation ticket from with the   XXXX   XXXX   XXXX   (  XXXX  ) to {$58.00} for a {$9.00} toll fee.   XXXX   gave me the opportunity to explain the violation, which I did in a timely fashion. I explained to  XXXX  that as I drove from   XXXX   to  XXXX  and back while stopping at a number of tolls, so to have only one toll violation directly points to a faulty detector and not my lack of willingness to pay the single toll at that station.
Next, I receive a threatening letter from Transworld Systems inc, threatening me to pay a {$58.00}, without knowing where or who it is or even providing any specific explanation. I am not sure what entity Transworld Systems Inc is, a branch of   XXXX   or the muscle to collect for  XXXX . Moreover, it is unclear where is it located? This is the address that appears : Transworld Systems Inc.   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX .
However, there is yet another address that appears on the collection letter :   XXXX   XXXX   XXXX    XXXX , DE  XXXX .
Please investigate, thank you.