davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (UT)

I recently applied for a credit card through XXXX. I was not approved. I was sent a letter stating that there is a fraud alert on my credit file, and no telephone number for the lender to contact me. I have not initiated a fraud alert, and I do not understand why my telephone number is not available for a lender to contact me.
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide XXXX documentary evidence. 

I have never done business with your company and have no legal obligation to pay you for any services. I demand that you cease all communications. 

Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Consumer complaint received 2022-02-27
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. (CA)

On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting on my credit report
Consumer complaint received 2022-02-27
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. (VA)

Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX  misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.

2 ) With my lease, I have a XXXX pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAC Financial Corp (OK)

have reached out to the original creditor XXXX XXXX XXXX XXXX ) for the medical bill.i was on a payment plan and paid it all the way down to less than $ XXXX was impacted financially by covid 19 as well as contracting it.this acct went into collections.i reached out trying to get assistance with this acct and received no reply.this Is showing on my credit report negatively and it was due to beyond my control.i would like this removed from my credit file
Consumer complaint received 2022-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid a bill, and the amount was specifically entered as {$1100.00}. When it showed up on my credit card statement the amount was {$1100.00}. This bank makes so many errors it's unbelievable. I've had ongoing issues with fraud and overbilling and now this. I can't get them to do their job.
Consumer complaint received 2017-09-06
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. (IL)

I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, Ninth Circuit, No. XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
Consumer complaint received 2023-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

I took out the private loan when I was very young and doesn't understand private loans or interest. I've paid back more than I borrowed, and still owe double what I borrowed. I'll be paying until I'm XXXX XXXX XXXX due to the predatory interest rate. Every ten years of payments actually DOUBLES what I owe them rather than paying the balance down. It's a web I'm caught in that I CAN NOT pay off, ever, unless I win the lottery. The interest rate means I'll pay like XXXX what I borrowed which wild be illegal usury if any other type of loan. I just want a fair interest rate so I can actually many headway towards paying it off. Instead I've paid for over a decade and instead of going down, the balance of the loan has doubled. It's predatory. I've asked for a fair and reasonable interest rate and they refuse to help me. This is not what I signed up for, I didn't signed up for a life long sent until I'm XXXX XXXX XXXX. You shouldn't have to pay for 50 years just to get a college degree.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NV)

Additional accounts have been added to my credit file but score hasnt changed. Since XXXX XXXX the following accounts were added : XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$20000.00}. 
XXXX XXXX. Opened XXXX. XXXX XXXX {$25000.00}. 
XXXX XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$10000.00}. 

These additions to my credit file have changed my total credit to {$120000.00}, lowered my utilization to 7 %, and my age of average accounts has changed yet Experians credit monitoring has not shown a change in my score.
Consumer complaint received 2017-09-06
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. (OH)

XXXX XXXX does payday and installment loans under " XXXX XXXX XXXX ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.
Consumer complaint received 2023-06-09
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. (MA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-27
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. (VA)

Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of. 

2 ) With my lease, I have a XXXX  pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.
Consumer complaint received 2022-02-27
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. (NJ)

XXXX XXXX This letter is a formal complaint that you have failed to follow reasonable proceeders, in your operations, in your operations to ensure maximum possible accuracy. The first 2 letters I sent included my reinvestigation and demand to comply. I requested verification from my hard inquiries and collections. These items were updated but not deleted. I have the right to an accurate credit report. I will continue to file a complaint to the Federal trade commission, XXXX XXXX XXXX, and the Consumer financial Protection Bureau. 

Code : 110 Claim company will change.

Code ; 110 Claims Company will delete.

Code112 Claims inaccurate information. Did not provide specific dispute.

Code 704 : ATTN : Fraud dept ; item blocked per valid copy of police report.

Code 014 : Claims paid before collection status.

Code 015 : credit limit/High amount incorrect.

Code 0104 : consumer claims account takeover, fraudulent charges made on account.

Code 0105 : disputes the date of last payment/ opened first delinquency/billing/closed. 

On XXXX, XXXX I requested an investigation because I felt the items were not reported correctly or legally. I am concerned about the validity and accuracy of the recent investigation. Please send me the following information used to verify the validity of the following account ; Hard Inquiries : XXXX XXXX XXXX, XX/XX/ -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collections : -XXXX XXXX XXXX XXXX $ opened XX/XX/XXXXreported XXXX Closed Accounts -XXXX XXXX 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 2022-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I have an account with XXXXXXXX XXXX via XXXX. They contacted me when I opened the account in XX/XX/2021, and I charged around {$1200.00}. I laid out a plan to pay around $ XXXX {$300.00} a month until my last payment in XXXX so I wouldn't incur any additional fees or interest as this card was a no-interest credit card. 

I paid all payments, and they now claim I owe over {$300.00} in fees and charges for some reason. I had returned the yellow bench and two of the chairs had to be replaced because they arrived broken. They credited me back for the yellow bench but I am hereby disputing the amount they have on my account and I have requested statements and a payment history so I can assess what fees and interest had been incurred and why it wasn't paid off at the end of XXXX. 

I believe they failed to remove the charge for the bench, and I believe they continued to incur fees despite having told me on this call that they would remove the cost for the bench since it broke and they failed to send a repaired one. I ask they please show me all of the fees, costs, payment history, credits, account call notes, and explain the remaining balance. I asked this over the phone already but they failed to mail me any statements that I could review.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

First time reporting fraudulent charge of {$100.00} was next day after charge. At that time card company canceled our card and hung up on us. We called back and now informed that a letter was sent out the day before the fraud charge and we need to wait for letter prior to any services from card company. Fraud charge was on XX/XX/2023. As of XX/XX/XXXX no letters, no phone calls, nothing. Card company will not talk with us on phone either. We sent 1 registered letter and 2 regular mail to them. We are completely being ignored. We contacted credit report agencies and placed fraud alerts on our credit.
Consumer complaint received 2018-04-03
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. (IL)

FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

In XX/XX/XXXX I found my XXXX XXXX XXXX Account in the glove box of my truck I traded in and in the book stated that I had {$830.00} in the account as of XX/XX/XXXX. I went to Santander Bank who merged with XXXX XXXX and talked with the customer service rep. who did a check of the system and could not find any information in their computers of the account using my name, date of birth, social security number or the account number. several months passed and I went back to Santander Bank who stated that they only keep records for 7 years and that they had no record of the account and that I should have received a letter advising of the merger and to come and get my money. I never received any letter from the bank and I was also advised to check with the state at Unclaimed money for Pa. in which I checked twice all with negative results. My state Rep did also check with no luck. In XX/XX/XXXX a man from the bank named XXXX XXXX XXXX stated that they sent me a check in the amound pof {$830.00} on XX/XX/XXXX in which I never received. I requested from the bank several times a copy of the check with my signature on the check cashing the check in which the bank states they do n't have. 
.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

RE : NOTICE OF INVESTIGATION As the Authorized Representative of this account, over the past 4 years I have made subsequent attempts to have the accounts reasonably investigated in accordance with the FCRA, FDCPA and GLBA, which have all been ignored. Your violation of willful non-compliance has injured my credit reputation and caused me harm, stress as well as put me in grave danger. 

NOTICE : REQ PROOF OF AUTHORITY Due to it being apparent that TRANSUNION is in possession of the consumers personally identifiable financial information aka non-public personal information and reporting unlawfully and without permissible purpose. I am conducting a FULL investigation on TRANSUNION, and therefore I require that TRANSUNION responds and provides the following proof in the form of a signed affidavit sworn under the penalty of perjury by an officer that has the authority to execute this affidavit on behalf of TRANSUNION and to bind the same to its provisions of the following ; ( outlined in the attached document ).
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (WI)

I received a mailing saying that I owed money and the debt had been sent to a debt collector. According to the letter, the original creditor was XXXXXXXX XXXX. I have never heard of or had any dealings with this bank. The two debt collection companies listed, Dynamic Recovery Solutions , LLC and XXXX XXXX XXXX XXXX  are flagged as being fraudulent on the internet. 

This is a fraudulent attempt to intimidate and extort money. 

I hope there is something the government can do to put a stop to this.
Consumer complaint received 2021-06-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Mortgage Brokers XX/XX/XXXX Experian US SM BUS ADMIN ODA XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Installment Loans XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

This account was paid and the collection company agreed to delete but years later the company has left this record open on my credit report to harm me. Please help me get this removed from my credit report because its harming my score and causing me to get higher rates on credit cards, increasing the likelihood of declined credit applications, and harming my ability to show credit worthiness to anyone who reviews my credit report and sees this collection record. This collection record was created due to a dispute with the apartment complex manager which was eventually settled, and even later on years after the collections was issued my family moved back to the complex, yet this collection blemish remains on my report.