davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (SC)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
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
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (SC)

I have been contacting Citibank in reference to a check I deposited since XX/XX/2019. They informed me that the check would not go through and was therefore a bad check. However, it did end up being a valid check in the amount of {$410.00} and I have been trying to access my money since XX/XX/2019. They give me a false excuse every time I call and were supposed to close the account and send me out a check within 60-90 calendar days from the initial date the check cleared. It has been more than 5 months and every time I get a statement in the mail it shows that my money is still there. I have no access to it as my debit card is cancelled and I need my money. They're lying to me and have been this whole time.
Consumer complaint received 2019-12-16
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: Southwest Credit Systems, L.P. (MI)

Southwest Credit Systems has been reporting a fraudulent inaccurate account for {$510.00} to my credit bureaus, I have never done any business with them or their affiliates. This debt is not mine. This incorrect information is harming my credit, stop this at once.
Consumer complaint received 2019-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

insurance co. sent additional bill. I called mortgage co. And told them not to pay from my escrow account because I had already paid it. After 1 hour and a half on the phone explaining it, they paid it out of my escrow any way.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc. (CA)

Credit company SELF INC offers to build credit I Signed up on XX/XX/XXXX Self credit building account Got approved for a loan in a amount of {$530.00} Pay it in 12 month agreement Promised to pay it back after the loan has been payed off XXXX monthly payment Link my bank account automatic payment XX/XX/XXXX SELF INC offered me a SELF CREDIT CARD accepted the credit card No issues with account access Credit limit increased by on time payment 2 accounts same company SELF BUILDING CREDIT SELF INC CREDIT CARD under my name. 
XX/XX/XXXX finished paying the loan XXXX Payed me only XXXX dollars WHY Original payment XXXX Credit card had a XXXX only XXXX dollars to use Payed it on XX/XX/XXXX automatic Have only the credit card credit limit is XXXX My credit reports reads that I have 2 % credit used MAIN ISSUES WHY IM COMPAINING Cant access my account online No chat or talk to someone over the phone Reguarding my account Automatic machine over the phone SOCIAL SECURITY NUMBER AND BIRTH DATE Email response 48hrs Need to update my phone number email password to access my account Automatic machine says my credit card is locked due for over limit XXXX Reused once the limit goes back to XXXX Due date XX/XX/XXXX of a minimum payment of XXXX weird XXXX available credit limit over limit XXXX minuium payment of XXXX dollars doesnt make any sense Cant do anything about it Reached out 4 times over the phone emailed them about the issue Asked me to contact them through my exciting email that they have on file security issues No luck Only this claim
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

DEAR RADIUS GLOBAL SLOUTIONS, 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 below. 

XXXX XXXX XXXX  XXXX PARTIAL ACCOUNT NUMBER # XXXX AMMOUNT OWED {$240.00} PLACED FOR COOLECTION : XX/XX/2019 SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 2019-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

Experian has charged me for 3 different times for services I've repeatedly esch month have asked to be canceled but each month they take my money off my card then tell me there isnt a refund policy. Like they are stealing from me period. Please help
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has furnished data to the credit bureaus that is inaccurate. Specifically Bank of America is reporting that I have a delinquency ( late payment ) for XX/XX/XXXX fro account ending in XXXX. I have been in constant communication with Bank of America. On multiple occasions, Bank of America advised that that the delinquency would be removed because the bank agreed that the data was inaccurate. On XX/XX/XXXX Bank of America sent me a letter advising that the credit report would be updated. That never happened. I hired a lawyer she wrote to the three bureaus requesting that they update credit reports to show no late payments. That also never happened. I have confirmed with Bank of America that their consumer dispute department agrees that I was never late on this account. Despite this Bank of America has failed to properly advise the three credit bureaus. 

The XX/XX/XXXX late payment data furnished by Bank of America is not accurate and must be corrected.
Consumer complaint received 2019-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

I have a Chase Visa card. Late XX/XX/2019, I purchased an airline ticket using Chase travel to take advantage of my points. I purchased a refundable ticket from XXXX to XXXX for my daughter. I went to change the departure date, not the departure location. But Chase screwed up and changed the departure location to XXXX, CA, not XXXX, but the agent informed me over the telephone that the departure location was XXXX. When I discovered Chase  's error, I called back to have them change the departure location back to XXXX. Chase Travel then wanted to charge me for the additional change to the correct their mistake. I told them that they should cover it. They said that they would pull the recording of my first call and if it confirms what happens, they would refund all charges. Based on that representation, I paid {$240.00}. They gave me a case number S # XXXX to use to call back in a week. I called back after about a week. After spending an hour on the phone, I reached the supposed supervisor, XXXX who would not provide a last name or number. She said she won't pull the recording even though Chase promised me they would to induce me to pay the charge in the first place. Without being able to confirm what was recorded, Chase Travel said they cant reimburse. They had fraudulently induced me to pay the {$240.00} with a promise of pulling and  listening to the recording with not intent of doing so or considering refunding my charges. This is blatant consumer fraud.
Consumer complaint received 2019-12-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sensible Auto Lending, LLC (CT)

A XXXX XXXX XXXX, VIN # XXXX, was repossessed on XX/XX/XXXX. Sensible Auto LLC claims to have sent A Notice of Repossession and Right to Redeem or Reinstate to myself in the timely manner the state requires. Sensible auto claimed to have sent the document on XX/XX/XXXX, in the state of Connecticut the lending company must send the letter out to the borrower within 3 days. If this is not done within the said timeframe the lien holder forfeits the right to any repossession & storage fees. They also have to make the borrower whole if the error caused any damages. Not only did Sensible Auto LLC attempt to obtain fees that they were not entitled to, they refused my pleading to pay the actual past due balance and held my vehicle ransom because I refused to give them money that I did not owe. Sensible Auto also denied me the opportunity given to bid on my vehicle because they did not notify me of the sale until after the property had been sold. I would like to believe that the error was not intentional, unfortunately after further investigation of the evidence, Sensible Auto LLC is willing to do things to prey on the weak and struggling. I have made a complaint to my state Attorney General and with my states Department of Banking. I felt lost confused and helpless during the process and in the end felt that the injustice was filed away, referral numbers where given but nothing had actually been done. Im hoping that this will be last and final attempt in my pursuit for justice. 
Past due amount {$510.00} Fees : {$230.00} ( Plus Additional Fees to pay to the company that repossessed the vehicle along with there storage fees wich are TBD ) I believe this is a tactic used that violates the consumers rights to prevent the borrower from redeeming the vehicle as the law allows.
Consumer complaint received 2021-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Earm LLC (PA)

I am being harassed by people who claim to represent company called MAC. I think that they are a payday loan company but I am not certain. At any rate, any payday " debt '' I had was settled long ago ... probably in excess of 10 years. and recently, I have received numerous repeated calls claiming " time sensitive '' information that MUST be responded to asap before serious legal proceedings begin, etc etc.

The calls have come daily for the last 2 weeks. I told them not to bother me any longer or I would report them for harassment, at which time I was insulted and threatened further.

Mr. XXXX at MAC, altho the name is likely fake. The calls emanate from XXXX and I am asked to return the calls at XXXX.
Consumer complaint received 2021-07-27
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. (PA)

Upon reviewing my updates, incorrect information was found in my report. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX  1ST-Date of inquiry XX/XX/2020
Consumer complaint received 2019-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Every day I have multiple phone calls always from different numbers always from Portfolio Recovery. I have documented times and dates. Ive asked them numerous times to quit calling as there is no way I can pay them an hour after there last call. Its caused extreme XXXX  and XXXX hearing from them every day for the past 4-5 months straight. They never stop and it has a damaging effect on my XXXX XXXX. I can not handle this harassment anymore!!!!
Consumer complaint received 2022-03-23
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: AMERICAN EXPRESS COMPANY (IN)

XXXX  XX/XX/XXXX -Merchant called me and pressured me into a travel package. After refusing initial offers, merchant kept aggressively pitching more travel/lodging days in an effort to entice me. The merchant also assured me that there was a XXXX day grace period. Based on this, I initially authorized purchase with the understanding that that there was a full refund policy. I also provided a copy of my driver 's license upon request. 

XXXX  XX/XX/XXXX - Merchant emails confirmation of purchase along with purchase certificate to sign and return back. Upon review, I noticed the terms within purchase certificate of 'non-refundable '. I then called American Express and they said they would monitor the pending transaction and suggested I should try to reach out merchant to resolve directly. 

XXXX XX/XX/XXXX - XXXX called the merchant 's customer service in an attempt to cancel the travel package since I didn't intend to sign the purchase agreement. Customer service noted that requests for cancelation are to be handled via email. I proceeded to request cancellation and obtain full refund. 

XXXX XX/XX/XXXX - After receiving no response, I again called the merchant 's customer service for an update my email request. The merchant indicated to expect refund within XXXX business days back on my credit card. 

XX/XX/XXXX - Merchant sends an email confirmation alerting me that the travel package had been activated upon receipt of signed purchase certificate ( this was forged ). Immediately I call American Express to have them open a dispute over cancelled service. 

f. XX/XX/XXXX - Upon receiving Merchant 's response, American Express closed dispute in merchant 's favor. I again called to have American Express re-open dispute over cancelled service. 

g. XX/XX/XXXX - Upon again receiving Merchant 's response ( assertion of transaction is 'non-refundable ', American Express again closed dispute in merchant 's favor, I requested re-open dispute again over forged signature on purchase certificate. American Express requested recent documents I signed so they can perform signature match which I provided thereafter. 

XXXX XX/XX/XXXX - American Express closes my dispute XXXX last time in merchant 's favor. XXXX of reps said their Identity Protection department decided not to perform signature matching for forged written signature on basis that initial authorization of purchase represented 'full consent '. I asked to talk with their Identity Protection team for further explanation and to answer my questions. I was transferred and also called direct number back but person hung up on me after introducing themselves.
Consumer complaint received 2021-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

Hello, I just learned that my on-time and auto-pay benefits were turned off in XXXX due to a supposed missed payment. I've been paying this loan for 20 years ( since XXXX with the same bank account ) and have XXXX record of a payment ever missed. 

It is very likely that this happened when the loan changed hands ( which it has many times in 20 years - Nelnet has been the servicer multiple times. ) I have not to my recollection ever missed a payment. As I noted to the servicer in XXXX my wife and I had recently sold a house and had no banking issues at all. 

As this has been on autopay for many years it doesn't add up that a payment would have been missed. I not only was ever informed of the late payment but I only caught it while going through statements and doing the math. If the loan didn't change hands so often I may have found it much sooner. 

Looking for a refund of the overpaid interest going back 14 years. Even 0.25 % adds up over that long of a period. 

Thanks, XXXX
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

Over the past few months, XX/XX/2019 to XX/XX/2019, Experian has lowered my credit score 21 points. It NEVER updates my score when balances are lowered. It constantly drops my score when balances show an increase, any minuscule increase. 
None of the other two agencies lowered my score below 800.  The discrepancy between the way all 3 report is appalling! There's a 30 point difference between XXXX and Experian..that 's absurd!
Consumer complaint received 2023-12-08
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. (CT)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.