davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TX)

I leased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and returned the vehicle paid up to date with a XXXX balance in 2018. Around that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX but I no longer had a lease because I had paid off with a XXXX balance and closed the account. Receivables Performance Management LLC aka RPM has now put a collection on my credit bureau accounts for {XXXX}. The notice specifies XXXX XXXX XXXX XXXX as creditor and XXXX XXXX XXXX as original Trust, creditor account # listed is XXXX. I do not owe this debt and it's a fraudulent attempt to collect from me and ruin my credit. Please help me resolve this matter promptly as it is affecting my credit and causing me anguish. 
Thanks.
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

On XX/XX/2018 I received a letter from Pennsylvania Higher Education Assistance Agency regarding my student loans and my need to re-certify my income driven repayment plan within 10 days on XX/XX/2018 or else my monthly payment would increase to {$2000.00}. 

I was unable to submit this documentation through the PHEAA portal due to the fact that their was a discrepancy between my date of birth between them and the NSLDS. I have re-certified through this process several times and no one has been able to help me determine how this discrepancy came about or how it can be fixed. 

Since I was unable to submit the information through the portal, I needed to upload the re-certification and tax income verification manually. I received the form from Studentloans.gov and submitted the information on XX/XX/18. 

PHEAA sent me a letter on XX/XX/018 stating I was denied re-certification because the form I submitted was out of date, even though the form clearly stated at the top that it expired on XX/XX/18. I re-submitted my re-certification documentation on XX/XX/18. 

On XX/XX/18 I received another letter from PHEAA that stated because I had not submitted the re-certification forms my XXXX payment was set to increase by a multiple of 4. My Income Driven Repayment certification is still under review. 

Due to a a new flaw between PHEAA and the NSLDS regarding my date of birth and the slowness of PHEAA from veryifying my documents on two occasions, I am expected to pay four times my usual scheduled student loan repayment.
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My Name is XXXX XXXX am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is closed Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2022 I received multiple emails from Wells Fargo notifying me of a new customer checking account that has been opened. I called Wells Fargo on XX/XX/2022 to inform them I had not opened an account. I was informed that a checking account was successfully opened under my name which can only be done with my social security number which would make this a case of identity theft. I was advised a case was opened with Wells Fargo regarding the fraud, case number XXXX, and I needed to report the theft to the credit bureaus, banking institutions, police department, FTC.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

They are reporting 11 times the same company a dollar or two off. I asked for proof of debt and they only provided account numbers. Some times they reported I was serviced I didn't live in Florida and it could not be me. They have been unable to provide me with proof it was me. I always have insurance so I wouldn't owe anyway. They are destroying my life and it's not fair to report me. How can these stay on my report when I am disputing. I have been fighting these people long enough. They are literally causing severe stress.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XXXX XXXX which is a major cable company has reported that I owe them a debt of {$340.00} which I have no knowledge of never never had any cable with this company, XXXX XXXX  appeared on my credit report 2 yrs ago as I owe them this same {$340.00} I DISPUTE and it was removed now XXXX XXXX  sold this account to ICS SYSTEM INC which this company now reporting on the behalf of XXXX XXXX for the same of {$340.00} I contacted this collections about this and they stated that XXXX said that I had XXXX and I was unable to pay this. Well once I looked on my XXXX  credit reported ICS SYSTEM stated in comments that I had XXXX XXXXXXXX when i contaced them they acted like they had no knowledge of this, this statement this BLASPHEMY and I'm reporting they have brought my credit score down 60 pts because of this
Consumer complaint received 2018-11-05
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: Medical Society Business Services, Inc. (AZ)

In XX/XX/XXXX, I checked my credit score and found a new account had been added by the XXXX XXXX XXXX XXXX to my report for {$150.00}, which brought my credit down by over 50 points. I submitted a dispute on XX/XX/XXXX and the account was removed between XX/XX/XXXX and XX/XX/XXXX, but my credit is still impacted. Why am I paying the price for someone elses mistake? Ive been working so hard to get my credit raised, and because someone XXXX  up, its affecting me. This isnt right, how can I get my score fixed?
Consumer complaint received 2023-03-21
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. (TX)

In according with Fair reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2018-11-05
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NJ)

It's been many years trying to get credit limit with citi bank and always denied because they said the credit reports shows up high ratio on my credit cards which is not true. Spoke to XXXX the supervisor ID XXXX and asks to speak to his manager and he denied also ask for his manager name and he denied. I never missed any payment thru citi bank. I have my mortgage paid on time, my cars paid on time an excellent pay history and I just approve for an XXXX XXXX card and I still have the same limit with citi bank and always is the same issue if I try to get a credit limit.
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlanticus Services Corporation (MI)

To whom it may concern I'm having an issue with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GEORGIA XXXX XXXX SEND PAYMENT TO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX XXXX I made a purchase of a washing machine and dryer the total cost was {$1100.00} my payments are {$73.00} I made the purchase of the washing machine and dryer on XX/XX/2018 which I have made 8 payments {$73.00} 8 months = {$580.00} but after 8 months of pain my monthly fee I found that I still owed {$1000.00} that only {$91.00} has been applied to my bill and {$490.00} it's the fee if I pay another 8 months only {$91.00} will be applied to my bill and another {$490.00} would be my fee and I will still own {$1000.00} these fees are outrageous I have credit cards for XXXX XXXX store and other credit card stores and I have never ever been charged {$490.00} for fee these are sticker shock fees these fees are unfair to the unexpected consumer I never ever expected to have such big outrageous fees I was told I would have a one-time application fee and I was told that a little intrigued will put on for the fees like {$10.00} or {$15.00} not {$500.00} fees that's more than the product and the purchase I was trying to make a purchase and pay it off when I agree to this contract I had no ideal that the fees would be so outrageous it unfair to the consumer 8 months 8 months = 64 {$73.00} 8 months = {$580.00} {$73.00} 8 months = {$580.00} = {$1100.00} - {$180.00} this what will go on the bill after 64 months = {$980.00} is the fees and the original purchase price of the washing machine and dryer is {$1100.00} - {$180.00} is applied to the bill 64 months I will still owe {$1000.00} EST. 
The washer was {$440.00} the warranty was additional {$110.00} in the dryer the dryer was {$440.00} and the warranty {$110.00} I was not in no way aware of paying {$500.00} on fees on a {$440.00} wash machine and put in a position where I could never afford to pay for the product because the fee is more than the product an unfair to the unexpected customer sincerely yours dissatisfied customer
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1 STOP MONEY CENTERS, LLC (AZ)

On XX/XX/2018 I went to the bank to pull money out for payments including the one to the company that took money out. I noticed XXXX was taken out of my account " without my permission ". I called the company who removed my funds that day to demand that they return the money. I was informed my account was behind and I explained to them I understand that but I never authorized that amount. They were unable to do anything due to no manager on duty XX/XX/18. I used to work the company about a year ago and I agreed to loan with one of the co owners : XXXX ". I never signed for a credit authorization form though. They were able to obtain my card information from calling payments in the past. I spoke to the manager " XXXX '' and informed her if they could please release my funds back minus the one payment that I was gon na make that day. Total amount I wanted back was XXXX then with another arrangement on Friday the XX/XX/2018. They refused to accept that and I informed them my electricity payment is going through in a few days. They still did not accept nor give me my money back and really put me in a pinch and having to ask family and friends to help pay from my electric bill. I understand my account was behind and I was going to make the payment that day but they decided to debit my account without my authorization. I feel this was a deceitful collection tactic to help their collection numbers. I did not receive any letters stating that I would be debited and why wait so long and not when I was one payment behind. I am not sure they are in the right under the FDCPA to remove my monies without permission and without filing out a credit authorization form or going over the contract in depth if so the case.
Consumer complaint received 2019-05-24
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. (TN)

XXXX  and Transunion are reporting an incorrect coding of the XXXX/XXXX  partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-03-21
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. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (WA)

My mortgage servicer : ( ServiceMac ) PMI removal request ( {$130.00} ) was sent by email to my mortgage servicer ( myservicemac.com ) on XX/XX/2022, I asked about the processing time and was informed it'll take up to15 days... but it's almost 2 months now.. 
everytime I've called the company to ask about the delay, the answer was ( someone will call you tomorrow ) but they never did, emailed several times to complain and they don't reply to emails ( only automated replys ). 

And after so many calls and complains the BPO was done on XX/XX/2022 and the appraiser told me that the company should contact me regarding the appraisal in 3-5 days but 12 days passed now and everytime I call the answer is ( We'll call you tomorrow ) which is not happening.
Consumer complaint received 2018-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion is the company I most hate filing a complaint on, but I am forced to! I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct.
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (MO)

There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is XXXX Card, with a XXXX credit limit.
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need my hard inquiries removed from my Transunion account as most of them have been resolved or settled and whats in collections called XXXX XXXX I need removed as that has been resolved. They need to remove these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX ) 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 ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and Travel ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-03-21
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. (CA)

On following date my credit reports show this company exposed my reports for non permissible purpose with out my consent. I have contacted multiple times and company insist that there is nothing they can do. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXXXXXX  I purchased a vehicle from XXXX and essentially the engine blew up and almost cost me my life late XXXX. The car was perfectly maintained by me at the local XXXX dealership and had no reason to have any issues as it also had low miles. The vehicle was deemed a total loss and neither my insurance or the lender has done anything to remediate this issue despite my plea. Seeing that there is currently a class action lawsuit against them for this same engine problem along with the vehicle price being deemed as a loss by the lending company ( they get a tax break ) I think it is fair for them to stop reporting this account on my credit. I am finding it very difficult to get proper housing or even apply for credit cards successfully because of this debt. It has caused me excessive mental, emotional and financial stress as I could not afford to pay two car payments ( one of which for a car I do not have ) and on the verge of eviction. I have even been denied jobs and opportunities due to this being reported to the credit bureaus. It is at this point a defamation of my character and very much affecting my life and family. They also have not sent me any type of information or any type of response for investigation as I have requested. Please help me.