davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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. (LA)

I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXXXXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I have tried time and time to get Toyota Motor Credit to remove late payments from my account from XX/XX/2022 and XX/XX/2022. I was out of work for a while due to having covid and being in hospital from XX/XX/XXXX til XXXX XXXX from covid. I am an XXXX XXXX and I got it from a patient trying to save their life and ended up with it myself fighting for my own life. I have paperwork and all from being in hospital and have offered to send it. They would not accept it. I have tried to contact CEO however the email is not correct and I seen on news at time once I was released that no late payment should be reported if you had covid which I did. I have not made any late payments since I returned to work and tried playing catch up from the months I was off. All other companies helped me get back on my feet and get the late payments for those 2 months off my report but Toyota Motor Credit which I feel is awful bc I was fighting for my life and now my credit has been punished due to these XXXX late feets.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (WI)

Milestone reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all 3 bureaus several weeks ago and Milestone didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-01-20
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)

I had an account from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I applied for the SAVE plan in XXXX of XXXX. MOHELA did not approve the application until the XX/XX/XXXX payment. Their delay in processing cost me hundreds of dollars in interest that would not have accrued had they approved my SAVE plan application in a timely manner. They are unwilling to reimburse the interest accrued during their processing delay.
Consumer complaint received 2023-01-15
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: BARCLAYS BANK DELAWARE (CA)

XXXX On XX/XX/2022 I bought an office chair from XXXX using my XXXX  XXXX XXXX Card from XXXX Bank XXXX Months later, Synchrony sold that credit card business to Barclays Bank XXXX and the XXXX  XXXX XXXX became a Barclays XXXX XXXX XXXX Sometime in the fall of 2022, the office chair broke and there was no possible repair. XXXX, via its marketplace vendor, issued me a full refund of {$210.00} for the broken chair. The refund went TO THE ORIGINAL CHARGE card, which was a XXXX  XXXX  that no longer existed. 
XXXX. I talked to XXXX and they said they HAD to refund to the original charge card. 
XXXX. I talked to XXXX XXXX  and they indicated the sold the ENTIRE card business, with assets and liabilities, to Barclays, and that it was their responsibility to issue the credit. 
XXXX. I wrote to Barclays and while they investigated, they issued a credit on my new XXXX XXXX XXXX for the {$210.00} XXXX. Suddenly, they charged me the amount again saying that I was " outside of the permitted timeframes to continue this claim '' XXXX. I contacted XXXX and XXXX and they indicate it is Barclays responsibility to issue the credit. 
XXXX. Barclays has refused TWICE, in writing, to issue the refund even though I have provided thorough documentation. 
XXXX. SO basically, some financial entity is keeping my refund and nobody is assuming responsibility for my reimbursement. I told Barclays I was filing a complaint with you and they didn't care. 
Thank you
Consumer complaint received 2023-05-13
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. (MO)

In accordance with the Fair Credit Reporting act XXXX 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 has violated 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.
Consumer complaint received 2022-09-16
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. (FL)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX and Experian are not practicing XXXX XXXX Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged by account {$19.00}, XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged my account {$1.00} XX/XX/XXXX transunion charged my account {$.00}. 
All occurrences have happened even after calls made to my bank and to Transunion. My bank asked me to speak with the company about the issue so I did. After about an hour of being on hold and talking to 3 different people they said they would be cancelling my account that was not even created by myself in the first place. I'm at a loss, and have stopped checking my credit score because of these charges yet they are still being filed and I'm still being charged after I was told " My account '' that " I created '' would be destroyed. Yet since I called last and talked I've been getting charged more frequently. I have been looking for a new way to check my credit history since and am having a hard time trusting any of them.
Consumer complaint received 2019-12-26
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. (NC)

I've notified Equifax several times regarding incorrect information on my credit report. They've replied to one inquiry specifying that the information has been verified, but upon request of information pertaining to how they verified the information they've ignored me. They've provided me no information as to how this inaccurate information is valid. I've mailed them information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-12-26
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: WELLS FARGO & COMPANY (TX)

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents
Consumer complaint received 2022-01-21
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. (TX)

I have sent multiple disputes in 2021 about this collection account on my credit report from Equifax. I have never had an account with XXXX XXXX so i do not know why it is reporting. I have asked numerous time for it to be removed to to how documentation or verification that it belongs to me. Each time Equifax keeps responding saying the account is mine but will not tell me how it was verified. They have not sent me a method of verification to this day! 
the account is : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2022-01-21
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. (IN)

I have no knowledge of an account appearing on my Equifax credit report. XXXX XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AK)

I filed my XXXX paperwork and it was processed on XX/XX/XXXX. MOHELA never notified me. I consolidated all my loans into XXXX  loans with XXXX so that they would be ready to transfer to MOHELA once my XXXX paperwork was processed and it was determined that I was eligible. I was deemed eligible for XXXX, but my loans still haven't transferred ( as of XX/XX/XXXX ). Whenever I call MOHELA and ask to talk to a supervisor, I am placed on hold for a long period of time. For example, as I am writing this, I have been on hold for XXXX hour and XXXX minutes. I have yet to reach a supervisor, and the call center folks just keep repeating the same lines such as " it takes time for your loans to transfer. '' I understand this, but it has been almost XXXX months, and they have tried to do a XXXX transfer XXXX times. When I talk to XXXX, they tell me they haven't heard from MOHELA and they can't do anything to help with this process. I recently discovered that MOHELA was reaching out to XXXX to get my loans sent over. When I questioned them as to why they were reaching to XXXX, they couldn't tell me why. XXXX has never been my loan servicer. So over the past XXXX I've called both MOHELA and XXXX, and listened to each of these services blame the other. When I suggested we do a conference call, with a supervisor from MOHELA and XXXX, I was assured that that would not help resolve the situation. I also asked if I should resubmit the paperwork, but was told that is not the issue. Yet, when I ask them what the hold up is, they can't seem to pinpoint the issue, and, therefore, we seem to be at an impasse.
Consumer complaint received 2023-01-23
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 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 2019-12-26
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. (TX)

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

I have requested information from Hunter Warfield in regards to the allegation that I owe a debt. Hunter Warfield alleges that they are providing a service for their alleged client. However they refused to provide any documentation that proves they have any legal right to collect on this alleged debt. I am again requesting a copy of the contract that states such information as per federal law. Hunter Warfield states they sent initial communication to allegedly verify the alleged debt was sent XX/XX/2021. This statement from Hunter Warfield is false. Hunter Warfield alleges that XXXX XXXX referred this account to Hunter Warfield. To simply look at alleged documents is not a means of validating any debt. I am a federally protected consumer and my rights are being violated. I DEMAND Hunter Warfield provide proof with out redaction that they in fact have a legal grounds to collect on this false and clearly alleged debt that I do not owe. A cease and desist has also been sent to Hunter Warfield and they have continued to contact me via phone. They totally disregard federal law.
Consumer complaint received 2022-11-11
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. (MD)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted 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 XXXX XXXX
Consumer complaint received 2019-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I placed a fraud alert on my credit file with Transunion as I was the victim of IDENTITY THEFT yet after getting several calls from various auto dealers and lenders I requested a copy of my credit report only to find that over 10 companies accessed my credit report without permission. I specifically placed a fraud alert on my account to prevent this very thing from happening. Below are all the unauthorized inquiries on my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX   Service DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX ( OLDER THAN 2 YEARS )
Consumer complaint received 2022-01-21
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. (TX)

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I called citi bank and let them know that I wanted to delete a checking account with XXXX  XXXX XXXX that I no longer have and and a supervisor told me I have to wait 2-3 business days and which I dont have the patience for and a day later my account was charged a XXXX return fee and i explained to citi bank that I made a payment to the wrong account and it was supposed to be deleted off the system and citi mobile app has a huge glitch in deleting its off the system and I transfer all of my money to my citi checking account and Im trying not to be penalized for that fee it was not my fault at all ... I also noticed they charge me high interest on my accounts and its ridiculous and I dont use this card that much ... .. and I paid back the cash advance fees ASAP and make my payments all the time I need that XXXX fee to be wavied ... and I try to get citi bank to cancel that payment the same day but they are unable and I got charged a XXXX return fee
Consumer complaint received 2022-11-11
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. (MD)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted 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 XXXX XXXX
Consumer complaint received 2023-01-23
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. (GA)

You continue to report this account status as " Petition for XXXX XXXX XXXX  '' and as a charge off when it should be reported as paid in full or deleted. I have talked directly with XXXX XXXX XXXX and they have confirmed the status of paid in full no charge off and no Petition for XXXX XXXX XXXX  I have included the letter from them as well. I have been denied a mortgage and numerous credit opportunities because you continue to lie and say you have confirmed this with them. Under the fair reporting act my next step is to sue you if you do not fix this immediately. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Petition for XXXX XXXX XXXX 
Status updated XXXX XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2500.00} Highest balance {$1700.00} Terms NA