davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-27
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. (WA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently XXXX   Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX  Inquires not made by me.

XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX XX/XX/2018 and XX/XX/2018 and XX/XX/2018 EXPERIAN inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
Consumer complaint received 2018-11-08
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. (OH)

Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently XXXX   Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 TRANSUNION Inquires not made by me. XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX-XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 and XX/XX/2018 XXXX inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
Consumer complaint received 2018-11-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (LA)

My mortgage was sold from XXXX XXXX to Selene Finance and my automatic payments began coming back to me, in the form of a check payable to Selene Finance. These payments were paid biweekly and included more than the amount due. Never was I contacted via phone or email. Only the returned checks, which took weeks were my evidence that there was an issue. After 3 checks, {$2100.00} that was deducted from my account from a 3rd party Bill Pay system, I still owe the {$1400.00} mortgage payment. Trying to get in touch with Selene is harder than crossing the Southern border of the US. No less than 4 hours have been spent on hold or speaking with a representative with no solution. Late fees and extra interest plus a huge hit on our credit scores are a result of this companies terrible negligence in customer service.
Consumer complaint received 2018-05-15
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. (MI)

I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX Hospital opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.
Consumer complaint received 2019-05-27
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. (WA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PREFERRED CREDIT INC (WI)

XX/XX/XXXX I paid XXXX as the payoff amount of the loan per an email I received from the company, PCI. Then XX/XX/XXXX I logged into the website to follow up from an invoice email I received from them. The website showed the " regular amount due '' but also showed the account balance in parentheses, which typically implies a credit balance. I called to clarify and was told that my account did have a credit balance and they would be requesting a refund. XX/XX/XXXX I called again because I no longer had access to the online account and was told that I did not have a credit due. In fact, XXXX the Manager on duty at the time, told me that there was a " few dollars '' remaining and the company likely just closed out the account out of a courtesy. I tried explaining my previous conversation with the representatives from his company and he was dismissive of the information. I have received my refund and a letter stating that my account is now satisfied. 
I am concerned that this company is not keeping accurate books for their clients. The way the statements read appears that there is still an amount due and that is misleading.
Consumer complaint received 2019-05-27
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: Experian Information Solutions Inc. (CA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX
Consumer complaint received 2019-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RENASANT CORPORATION (GA)

I have a mortgage with Renasant Bank ( Mortgage loan # XXXX ) XXXX XXXX XXXX XXXX, NJ. I am behind in my XX/XX/2019 payment. I have paid my XX/XX/XXXX and XX/XX/2019 payment. I was assessed a late charge for the non payment in XXXX in the amount of {$52.00}. The bank is now accruing that late charge and is asking for {$100.00}. True, the XXXX payment still has not been caught up yet. However, I thought it was illegal to pyramid late charges.I do plan to have the mortgage current by XX/XX/XXXX. 
This mortgage servicer is pyramiding late charges on one past due payment. 

Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX
Consumer complaint received 2019-05-27
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)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX
Consumer complaint received 2019-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PROVIDENT FUNDING ASSOCIATES (WA)

Water damage took place in my house located XXXX XXXX XXXX XXXX XXXX WA XXXX. 
I received two checks from XXXX XXXX XXXX for total amount of {$73000.00} by my name and provident funding ( the mortgage company ) I endorsed the checks and mailed to the provident company on XX/XX/2019, after I got a promise from one of their employee through a phone call to get a check from them in five days. After repeated phone calls and a time when 75 % of the repair was completed I received a check # XXXX dated XX/XX/2019 for {$10000.00} with a letter stated that '' a final inspection is required on your claim to verify that your property has been restored to the original condition or better. 
A final inspection was done by provident funding inspector on or around XX/XX/2019 showing that 99 % of the repair was completed on a better condition. Since then several phone calls with funding company agent were made requesting the release the remainder of the fund ( {$62000.00} ) failed. un reasonable reasons and demanding unnecessary documentations not required by the loan documents ( Page 5of 13 paragraph 5 '', Attached. A certified letter was send to them, they received it on XX/XX/2019 requesting the release of the reminder fund, no respond
Consumer complaint received 2019-05-27
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. (CA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

loan number XXXX loan me nc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I borrowed {$5100.00} on XX/XX/2015, the dollar amount for financing was {$36000.00}. I have paid back {$16000.00} and I still owe {$2700.00}. I am asking for the bill to be paid in full because the interest has been paid in full.
Consumer complaint received 2018-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In XX/XX/XXXX, I lost my job for more than 6 months with a young child, which caused my previous car to be repossessed. Therefore, when I got a job, it was far and I had to settle for a second chance auto loan lender, Credit Acceptance. I was told that I would be able to refinance the car to lower the interest rate but this never happened. No lender would refinance my vehicle because it has negative equity. I have had my car appraised, and it was estimated at being worth {$3500.00}, with me owing Credit Acceptance roughly {$14000.00}. No auto loan lender will refinance my current loan nor allow for a trade in with such a high loan balance. Essentially, i am stuck in this loan with a car that is fallen to pieces. The car does not shift gears properly without me using a screw driver, I am having transmission issues which have caused me roughly $ 2K to date, every time I have paid for my car door to be fixed it breaks again so I have roll down my window to open the door from the outside. My monthly payment is {$540.00} on this XXXX XXXX XXXX. I have asked Credit Acceptance to lower my interest to rate or lower my buyout so another auto lender can approve me to get another car and so that my roll over amount is lower. I have gone to 5 dealerships who have stated I am stuck in this loan and they can only assist me if my outstanding loan amount was roughly 50 % less. I think it is beyond ridiculous that second chance auto lenders are taking advantage of consumers who fall on rough times, where they have no programs to reduce interests or car appraisal for extreme cases such as myself. Additionally, they have poor customer service, where their customer service reps are beyond disrespectful and they call constantly when you have already agreed to a payment plan with another rep. I have also asked to speak to their legal department to try to come to a conclusion and they never called me back.
Consumer complaint received 2019-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NY)

I would like to reopen this complaint against Allied Collection Services , Inc. and XXXX for having posted a derogatory remark on my credit report with about an account with XXXX. 

I have explained in my response that a long time ago I was going to transfer my services ( 5 ) lines to XXXX. That time the salesperson told me that all phone was compatible with their network. Once I went to the store this rude lady basically told me that none of the phones were compatible, so I contacted XXXX XXXX to cancel before the 30-day cancelation policy. They sent me an envelope with a box to return one of the phones all other phones were not from XXXX and they were fully paid for. 

I mailed back the device, in fact, two devices, I dont recall what promotion they were running but I returned a XXXX XXXX and an XXXX. 

Finally going over my just papers in the basement I found the receipt for the return and have proof that it was returned to them. 

I would like Allied Collection Services , Inc. to remove this derogatory remark out of my credit within 7 days of this notice.
Consumer complaint received 2019-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has sent me four collections letters ( Three threatening ) to collect on a debt from XXXX XXXX  XXXX. 
On XX/XX/2019 I sent them a letter requesting validation of the debt. I requested breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I sent another letter on XX/XX/XXXX that was sent certified Mail requesting the same information. 
Prior to sending these two letters I received a " pre-legal '' notification letter stating they were considering forwarding my account to an attorney for possible litigation. 
On XX/XX/XXXX I sent a settlement offer, not admitting to the debt, but to close the account including a check for the amount offered. The check was not cashed. On XX/XX/XXXX I received another threatening letter stating they were going to forward my account to an attorney for a lawsuit. 
On XX/XX/XXXX I sent another letter stating they were in violation of the FDCPA and asking again for validation of debt and breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. 
On XX/XX/XXXX I sent one more follow up letter that was exactly the same as the one from XX/XX/XXXX. 
On XX/XX/XXXX I also received another letter for notice of possible attorney review. 
I have yet to receive any proof of this debt after 3 requests and a settlement offer. I am asking you to step in as they are now in violation of the FDCPA. I have kept track of every communication with them and all they keep sending me are threatening letters, no validation of this said debt. I have yet to receive any proof or details in regards to this debt as requested by me 3 times in a 60 day period.
Consumer complaint received 2019-05-27
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: CITIBANK, N.A. (NJ)

I had a Bloomingdales credit card which I paid in full with Citi Internal Recovery unit in XX/XX/2017, for {$1400.00} with XXXX # XXXX and payment confirmation for the transaction of # XXXX. However this account is steadily being reported to XXXX XXXX  as 90+ days late since XX/XX/2017. I have attached a copy of the account report from XXXX  that clearly details this account has been reported 27 times as 90+ days late, when there has been no balance owed since XX/XX/2017. I have repeatedly called Citi Internal Recovery Unit to report this account correctly as having been paid off completely, but to no avail.
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a sba loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a sba loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (DE)

On XX/XX/XXXX I disputed several transactions totaling {$6400.00} that took place in XXXX while I was incarcerated in the state of XXXX. Apparently transactions show that my roommate was able to log into my account collect unemployment and then make transfers to her cash app account. She also changed my contact information, my address, my phone number, and even was able to get a debit card sent to her house. Also she forwarded my mail from my mailing address to her house and was able to get a US government check a stimulus in the amount of {$1400.00} in my name forge my signature and cash that check using Chime. All of this money was either spent using the debit card or transferred to her cash app account and chime did nothing but accept all of this and allow it. I was released from incarceration XX/XX/XXXX at which time I noticed all of this fraudulent behavior and contacted Chime and started disputing it over the course of the next few months presenting documents proving that I was incarcerated and they continue to deny my claim. I do not understand how it is possible that someone is incarcerated and unable to access bank account yet they allow all kinds of fraud to go on and not return my money to me.
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (IL)

on XX/XX/2019 I called and made a payment of {$100.00} towards one of my promotion purchase of {$170.00}. The payment was divided towards other purchases that will expire after this purchase. On XX/XX/2019 I call service to speak with a supervisor and XXXX the customer service agent hung up on me when I call back I spoken to a gentleman by the name of XXXX, he stated that there's no supervisor around
Consumer complaint received 2019-08-31
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. (DE)

I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. XXXX   continues to display variations of incorrect names of other people, and TransUnion has submitted their responses late after 30 days on two occasions.