davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Please see attached. Trans Union made up this address because they're inept fools! Then they can't take it off???? A mistake THEY MADE ON MY CREDIT THAT STILL EXISTS THERE TODAY WHEN I RAN MY CREDIT?????? Well this is the last chance they get. I'm prepared to make this legal. I'm tired of filing these complaints and will use everything attached, including all of my renewal payments and the fact that the other 2 bureaus have the correct address on file and prove it with bills from the day I started using the POB. I will file suit for {$500000.00} against them because this is now going on 1 YEAR I've been demanding they remove that incorrect address that they made up and screwed up off of my XXXX credit report!!!
Consumer complaint received 2022-09-08
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. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-01-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc. (TX)

Regarding buy out of a lease. I just received a charge of {$100.00} after a full pay out by XXXX XXXX XXXX XXXX XXXX was done back on XX/XX/2021. I talked to them too and they said they paid in full on XX/XX/2021. I was told by Chrysler Capital that it was a property tax bill from my state. Which state I don't know since the XXXX Account Number : XXXX was leased in Wisconsin but I moved to Texas and bought it out in Texas. I was told that Wisconsin and Texas do not have property tax on vehicles. If it was from the XXXX of Texas, Chrysler Capital should have known what the tax should have been at the pay out time. I also don't understand why I have such a bill so many months after my pay out back in XXXX. I did ask Chrysler Capital for the bill from the State but have not heard back from them. I don't understand why someone can bill you after a pay out has been made. Please check into this for me. 

Thank you, XXXX XXXX
Consumer complaint received 2022-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have spoken with several representatives regards these matter and stated made changes. All charges removed were reapplied in a manner that is confusing. No one can explain. These charges were removed XXXX and last reapplied XXXX.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (NY)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NV)

On XX/XX/2022 I, XXXX XXXX, a natural person have become aware of negative activity that was placed onto my consumer report by Phoenix Financial Service a third party debt collection company. 
Pursuant under 15 U.S. Code 1681b- Permissible purposes of consumer reports, I, XXXX XXXX NEVER granted Phoenix Financial Service permission to report any information onto my consumer report. 
I sent a letter ( see attachments ) via certified mail with tracking number XXXX to Phoenix Financial Service to let them know that I was aware of the reporting. 
This alleged debt was furnished onto my ( XXXX XXXX ) consumer report as medical information. This report has undermined my right to privacy under 15 USC 1681 ( a ) ( 4 ).

Phoenix Financial Service has since deleted the alleged debt from my consumer report by which admitting to willingly and knowingly breaking the law pursuant to 15 USC 1611. 
In the letter I ( XXXX XXXX ) sent to Phoenix Financial Service, I listed my remedy as well as attached an invoice for {$3000.00} for violating my rights pursuant to 15 US Code 1692k.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

My problem is with Experian Credit reporting company. I reached out to them on many occasions, but was finally able to speak to someone on XX/XX/2022 to find out why they have my credit score as XXXX while at the same time every other credit reporting company, ( ie : XXXX, XXXX, XXXX XXXX, and XXXX XXXX to name a few ) have my XXXXredit score in the XXXX range. Besides the fact that it is EXTREMELY difficult to navigate there automated prompting system to actually speak to someone, when I eventually got through to a representative, they were totally unwilling to correct the obvious flaws in their report such as limited credit cards, credit limits, unpaid debts, and available credit. All signifcant factors when determining an individual 's TRUE credit score. They seemed MUCH more interested in selling one of their products ie : Experian Boost. This reprehensible behavior in my opinion is nothing short of extortion!! Please help me and other susceptible consumers from this company and their unethical practices.
Consumer complaint received 2022-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

XX/XX/2021 I was charged {$800.00} from a company calledXX/XX/XXXX, for a service That was never delivered I contacted the Company and they statedXX/XX/XXXX me, I told them I paid for the service please deliver it, after many days that I waited I realized I got scam and my credit and personal information had been compromise I reached out to Capital One, and explained the situation just to get a letter.
Consumer complaint received 2021-09-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA (FL)

Financed new car with Hyundai Motor Finance in XX/XX/XXXX. Sent payoff to them in XX/XX/XXXX which was overpaid by {$510.00}. They sent a check in XX/XX/XXXX for the overpayment which had been voided when I received it. I have called multiple times to ask why check voided with no answer to date. Also have asked for reissue of check. As of today XX/XX/XXXX there has been no reissuance check for the overpayment. The company just says they will look into it. I would like my refund
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (AZ)

I received an email on XX/XX/24 concerning a past credit card debt of XXXX. The email said I could pay XXXX to settle an close the account. The next day called them and they accepted to settle and close the account for {$940.00}. The confirmation number for the settlement is XXXX. They also said they would send me a receipt by email that I would have to sign and send back immediately to expedite the closing of the account to report to the credit bureaus asap. I received the receipt by email on XX/XX/24, signed it, and sent it back within XXXX minutes. I just woke up the an alert on my email from XXXX. It says I have a remaining balance of XXXX on that same debt that was supposed to settled and closed. This is misleading the consumer and I believe fraudulent. Can someone please help
Consumer complaint received 2022-12-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD  XXXX XXXX CARD  XXXX
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CT)

Company lost lawsuit against me which was withdrawn without COST to any party. 

Didnt live in state at the time of suit thats why judge withdrew. 

Never agreed to any threats or debt for new collector.
Consumer complaint received 2024-03-29
Product: Credit 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: CITIBANK, N.A. (CA)

I used a Citi personal credit card to purchase a new coffee machine online, from XXXX. The coffee machine that I received would not power on, so as soon as I discovered that, I filed a service request with XXXX. They sent their own service technician who confirmed that the machine is defective. I declined repair, because I didn't pay to buy a defective machine- I expected to get a brand new product that worked. My request to XXXX to replace the product was denied. So I disputed the charge with my credit card company, Citicards ( or Citibank ). Citicards has determined that I am responsible for the charge. They requested no clarification from me after I submitted the initial dispute with supporting documents for evidence, have provided no call back number or email to get in touch with them. I have no visibility into how they determined that I must be responsible, as they have provided no reasoning to back their determination. 

The precise details, dates, etc of the dispute that I filed are as follows. " On XX/XX/XXXX I purchased online from XXXX a countertop coffee machine. It was delivered on XX/XX/XXXX. On or around XX/XX/XXXX I plugged in the appliance for the first time, but it would not turn on. I submitted a warranty service claim with XXXX. On XXXX, XXXX, XXXX XXXX XXXX came, examined the machine and confirmed that it would not turn on. I refused repair, since my purchase contract was for a new appliance that works. I requested replacement on the same day, however XXXX 's employee XXXX XXXX responded on XX/XX/XXXX that the request is denied and that the appliance must be serviced. I find this unfair - I paid for a new appliance and it is normal and understood that the appliance that is sold will work as advertised. '' In addition, I also filed complaints against XXXX with the California XXXX XXXX XXXX XXXX and XXXX, because I live in California and the machine was delivered there, as well as New Jersey Division of Consumer Affairs, because XXXX XXXX is incorporated in New Jersey. The CA division has notified me that this is not the type of complaints that they handle. The NJ division has delegated the complaint to XXXX County Office of Consumer Affairs in XXXX, NJ, as they have jurisdiction.
Consumer complaint received 2022-01-29
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: U.S. BANCORP (PA)

XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$1000.00} We paid the company " XXXX XXXX XXXX XXXX painting  company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.
Consumer complaint received 2022-01-29
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. (GA)

*Latter mailed to Transunion dated XX/XX/XXXX for account XXXX XXXX XXXX XXXXXXXX Your company continues to manipulate information listed on my credit report. You've removed payments from my payment history. Also you listed this account closed as of XX/XX/XXXX then re-opened as if this is an active account. What month was the vehicle in question " repossessed ''? This is also not listed on the report. If this account is charged off why are you listing it as open and active with an active payment history? Provide me with the full and correct payment history. Advised the correct date of first delinquency, provide the estimated date of removal of this account. Please do not send me a letter stated that this if was verified with the data furnisher, this will not suffice. Provide me with documentation that the data furnisher is providing. This is a clear violation of the FCRA as you continue to falsely manipulate the statue of limitation. Please remove this account from my report and provide me with an updated credit report by mail. * XX/XX/XXXX, I receive notification that may dispute was completed. The account was updated not changes were made. Besides the XXXX  date being manipulated to show XX/XX/XXXX, the charge off account status as Active and dispute status as Account not disputed. All of which are a clear violation of the FCRA. Ive been requesting proof of how this account is being verified for going on two years now and this company will not furnish me with said documents.
Consumer complaint received 2022-01-29
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. (AL)

as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX. Wrong XXXX of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} XXXX XXXX
Consumer complaint received 2022-01-29
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: U.S. BANCORP (PA)

XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$1000.00} We paid the company " XXXXXXXX XXXX XXXX '' painting company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.
Consumer complaint received 2022-01-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma (IN)

On or about XX/XX/2021, I logged on to Credit Karma to view my credit score, as I do on a regular basis. On the Dashboard overview of my credit report summaries, Credit Karma suggested that I apply for refinancing of my auto loan due to my high-interest rate. It was stated how much I would save each month, which would be significant savings. I was excited about this because my student loan monthly payments were due to start again at the beginning of the year. When I logged onto my Credit Karma account that day, I was not shopping for auto refinancing. 

I believe there were three auto refinancing companies to choose from, each showing their interest rate and my new monthly payment. I chose the company called AutoPay. The options shown made me believe that I was already pre-approved for auto refinancing. I thought this must be due to a large percentage already paid off on my original car loan in a short amount of time and my timely monthly payments. 

I received an email from Auto Pay on XX/XX/2021 giving me their loan findings. They sent my personal information out to several other auto financing companies and all the companies pulled a hard credit check on me. AutoPay said they could not approve me and try again in the not too distant future. They acted like this wasn't a big deal and try again. I was devastated because I believed I was already approved for the refinance with a lower interest rate and monthly payment.

Credit Karma was and is still posting that my auto payment is too high and to refinance my loan with AutoPay.

I am submitting this complaint due to misleading advertising practices and not making it clear that AutoPay is not an actual loan company but just an auto loan broker. Therefore, my personal information was sent to many other auto refinancing companies. They placed hard inquiries on my credit reports and I am still receiving denial letters from these companies.
Consumer complaint received 2017-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have previosuly filed a dispute with this company XXXX XXXX XXXX they responded with the fact that although the account has reached the statue of limitations and that they can still report it on my credit report! but after reading my rights it is to my knowledge that is account is now a zombie account as it states on my credit file that the 1st delinquent occurred XX/2011 there for this should be deleted off all 3 credit agencies and stop being reported.