davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (IN)

XXXX XXXX XXXX. is reporting on my credit file that I owe a balance of XXXX to them for XXXX XXXX. This was paid in 2017. I have tried to talk to them and they refuse to delete it. I have even sent a letter from XXXX XXXX showing that the debt is paid in full. The CRA 's will not remove it even with proof of the letter.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benjamin Chaise & Associates (FL)

Hello, I had requested that this collection firm to please cease and desist any and all communication with me, as well as my company, its employees, telephone reception, family and friends, in relation to their alleged debts they I owed. 

I had wrote them a letter to document a period of verbal telephone and email harassment we have received from this collection agency during a period of time from the past one ( 1 ) month. 

Such conduct has caused us to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This included telephone calls using verbal threats and abusive language. 

I had an agreement with the collection company client company XXXX XXXX directly dated XX/XX/2018 and I had adhered to all of our payment obligations. Service Failures have resulted in reduced payment in accordance with our contract. 

Total dispute amount was {$3000.00} for cleaning services not provided to my personal private property Please help and advise. Thank you
Consumer complaint received 2019-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (GA)

I am attaching copy of the letter I received which shows all the information required. I tried to fixed this issue several times with XXXX XXXX but their representatives were not willing to take of customers and listening to their needs. I don't have medical insurance and I lost my job in XXXX. This new debt collection is suggesting that my credit can be damaged. Because the company XXXX XXXX never cared about resolving the issue and they just transfer debt to credit collection, because they are not interested in doing their job properly.
Consumer complaint received 2022-04-27
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Used my debit card to make several purchases on XXXX. This made my account negative by XXXX. Went and deposited XXXX on the same day which brought my account positive XXXX. On XXXX I checked my account and it was negative XXXX with a XXXX nsf fee. Regions apparently decided to take the debits out before adding the deposit. This is wrong and deceptive. Its the same reason you guys fined them millions of dollars several years ago. Regions keeps doing the same thing.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have repeatedly asked them to stop calling. Unfortunately they will not listen and keep asking me to make payments on something I do not owe. 

I understand these companies purchase debts from financial institutions and do not know the full story behind why the previous company never collected, simply it is illegal how they obtained a balance and therefore will never try to collect the debt themselves due to the banking industry being hit with multiple lawsuits for their schemes. 

I was too young at the time to understand exactly what they were doing and why it was wrong, but this is exactly why the CFPB came into existence to protect consumers from unlawful tactics and schemes. 

I am simply asking them to stop contacting me and they refuse.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Best Service Co.,Inc (CA)

The Best Service Company and XXXX XXXX XXXX is incorrectly and incompletely reporting on my XXXX, XXXX and XXXX XXXX report. I have never received any Dunning letters from either company outlining any of my rights as far as disputing the debt as a CA resident. I have already disputed these accounts that are reporting incorrectly and have received no response from my letter dated XX/XX/XXXX and XX/XX/XXXX from either company and the accounts are still there. I request that The Best Service Company and XXXX XXXX XXXX provide me with validation of the debt according the the FCRA. I am also requesting account level documentation proving that this accounts are mine and the method and procedure that you used to validate this alleged debt.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (MN)

I wrote dispute letters asking for eqifax to show me how they validated the false information they were given they failed to respond to me within 30 days. They did not provide me any proof of the investigation or how they got their information
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TX)

I bought a new XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX. 
I paid the loan in XX/XX/XXXXbut chase financial never release the title. 
I contacted chase several time with no resolution. Each time they told me they will release it but nothing was done. 
Now I moved to another state and I can not get the registration in the other state because I do not have the title. 
I will be obliged to rent a car since I can not use my car
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

According to both parties : XXXX and XXXX XXXX, 2 personal checks were sent to me as a refund from the funds that XXXX sent to the University. I have been asking for the copies of the cancelled checks for years. They can not produce them and they have now defaulted my student loans. Threatening legal action. The transactions supposedly took place in 2008, but did not show up until recently. They continue to say these are valid and I was asked by XXXX if I could prove that I did not receive the money? Why are they permitted to be unaccountable?
Consumer complaint received 2022-09-10
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. (GA)

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 privacv.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC (DE)

My husband and I purchased a car in XXXX brand new and were financed through a company called Global Lending Service based in South Carolina. 

In XXXX of XXXX, our city was hit by a tornado and several trees were struck down. One tree in particular covered the entire southbound lane of XXXX XXXX XXXX XXXX ( 2 lane street ). To avoid hitting another vehicle head on, my husband and oldest daughter were forced to hit the tree that occupied the entire lane. 

In short the SUV was declared a total loss on XX/XX/XXXX. XXXX our insurance company released a partial payment for the value of the vehicle in the amount of XXXX on XX/XX/XXXX. Gap Insurance paid an additional XXXX on XX/XX/XXXX. NOW Global Lending Service is saying I owe a balance of XXXX. They are saying this amount accrued for the months of XXXX, XXXX, XXXX and XXXX. I'd not heard anything from Global Lending about an amount outstanding or owed until XX/XX/XXXX when they charged off my loan for that which remained. 

How is this fair business practice? I was never notified that XXXX paid a partial payment until I noticed the loan reporting as delinquent on my credit bureau. 

1. My credit score dropped over 60 points for an accident that was an act of nature 2. I was not given any notice that a balance existed on my loan I was told it was totaled and they were waiting for a payment from XXXX in XXXX my previous months car payment had been paid current. 
3. No one from Global Lending Service attempted to contact me until XX/XX/XXXX. So from XXXX I'd accrued this outstanding amount and I see this as unfair and poor customer service. 

I've spoken to several people at Global Lending Service who are offering a settlement however I am without a car, left with a negative credit score as a result of something that was beyond my control. 

Who can help me, and how can this be mitigated in the future as potentially other customers are at risk. 

My belief is Global Lending Services practices these unsound practices as a way to procure additional monies from customers.
Consumer complaint received 2019-04-30
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. (IN)

I have tried several times to get a collection account off of my credit report with the 3 CRA 's. The account is XXXX XXXX XXXX. I have sent a letter from the original creditor which was XXXX XXXX showing a XXXX  balance. This account was paid in 2017! The letter states I own nothing but yet XXXX XXXX XXXX reports it as a collection account. I have filed a complaint against them also. I was told by Transunion rep. that even though they have documentation showing I own nothing they can not remove it unless XXXX XXXX XXXX says I own nothing. SO my letter states it's paid I do not own it! but yet it keeps showing up on my reports!!! How can that be legal? If you have written proof that the original creditor was paid in full how can a collection agency state you still owe it. He said if credit protection asso. comes back and says I still owe it then it stays on my file!!! Even though its paid and they have proof!
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (MI)

This company " TRANSWORLD SYSTEMS INC. '' I am unaware of this debt. I didn't have the opportunity to dispute this debt. If in fact you believe you gave me proper notification to dispute this debt, then please send me the Certified Receipt with my name on it and my signature, give me method of validation of this debt, give me the process that you used to validate this debt and saying that its mine, belonging to me the " Affiant Signature '' here used below... 

" XXXX XXXX XXXX XXXX XXXX XXXX and Signature as stated above, I do not identify as no one else besides the " Affiant Signature '' and " Name '' stated above. I need all correspondence between you " TRANSWORLD SYSTEMS INC. '' and the original creditor, who you talk to, there phone numbers, there emails, there addresses, everything you have regarding this account and or debt. And by law you have 15. days to respond to me or you will assume I'm Right and Remove the Errors from my Credit Consumer Report and Update the account with a Paid in full status. Thank you in resolving this matter so promptly and efficiently. 


Sincerely Yours : XXXX XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

These listed Three listed accounts continue to show the wrong status & balance on my credit profile. I have contacted the credit bureau. 

XXXXXXXX XXXX  - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX   - XXXX
Consumer complaint received 2019-07-02
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. (CA)

Unbeknownst to me, I had a judgement against me. I went to court and let the judge know I was never served, so it was vacated almost a year ago. However, last week while applying for a refinance of my home, I received a copy of my credit report that shows said judgement. I've contacted both the court and the county small claims advisor and they said they can not help me fix this error. Please remove this from ALL of my credit reports. The case number is XXXX. Thank you.
Consumer complaint received 2018-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Recoveries, Inc. (GA)

I applied for the debt default program and set up a card which had {$60.00} on it to make 10 {$5.00} payments over the course of 10 months which was to be automatically debited from my card. they took the payments and on the XXXX and final payment the said my card declined even though i did not us the card for anything other than the purpose of the loan repayment program and they just took my money and did not even attempt to reach me in this matter especially after 10 months and the fact that it was the final payment. when i found out they didnt even allow me to go ahead and make the final payment.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

I had received a XXXX in XX/XX/XXXX from a collection account from Synchrony Bank/Gap and I filed it with my XX/XX/XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, XXXX contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now zero and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from XXXX stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that Synchrony bank had updated my account again to show a balance and past due amount. XXXX  told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called Synchrony bank and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that XXXX  was lying and they never updated the account to show a zero  balance and a zero past due. They did say that they did update it with an account forgiven. When I asked them why did XXXX  tell me that they are not allowed to update my credit report that only the creditor can do that they told me that XXXX was lying. 
I called XXXX right away and they sent me the original updated information from Synchrony to use in this dispute.
Consumer complaint received 2018-04-30
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. (FL)

I submitted a letter to Transunion XX/XX/XXXX, in which they show receivedXX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called onXX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.
Consumer complaint received 2022-07-21
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)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to XXXX  and Transunion for them to give me information on the bankruptcy information that they have listed on my credit report for over a year. I have asked them to supply me with whom they have verified the information with and my request have went unanswered. I have talked to the courthouse and they have stated that they do not supply the credit bureaus with the information and that it should be removed.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I have a XXXX XXXX XXXX card. Last summer they changed how they process auto payments. If you have an autopayment for minimum payment due and make anything less than your entire previous months balance, they go ahead still deduct the minimum payment amount. 

So for example, let ' say you have a balance of {$5200.00} dollar and your minimum payment is {$150.00}, and you have an autopayment set up to pay the minimum monthly balance. If you pay {$5000.00} towards your balance, they will go ahead and take another {$150.00} from you based on your auto payment. So you end up paying {$5100.00}. 

There is no option to pause the minimum payment for one month. You have to cancel it entirely and set it up again in the next month. If you call them to have it paused, they have no way of pausing it for only the one month. They can cancel it and then you have to remember to call back the next month to have it turned back on. 

Previously, if you paid the minimum, then they would not process your auto payment of the minimum monthly payment. This is also the way it currently works with other credit card companies. 

This policy results in overdrafts of connected checking accounts and missed future payments because of the need to restart the auto payment. They are intentionally creating mechanisms that confuse customers on how much will or will not be taken.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

A XXXX automatic payment to my Bank of America credit card came through on XX/XX/XXXX at XXXX. I called Bank of america at XXXX to let them know this payment was in error and needed to be reversed, at that time i was informed the payment could not be reversed and would have to call back in 4 days to ask to have it reversed again. 
The amount payed was nearly the limit of the card which had significantly less owed on it than the amount charged, and had been billed by the bank of america automatic pay. {$2700.00} is a significant amount that should not have been charged in the first place and should have been remedied the day it was reported as an error ( initiated by their auto pay ). Additionally should not have to call back and ask Bank of america a second time to fix it.