davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$9600.00} XX/XX/ 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (IN)

I recently got an update of my credit report showing that it went down. Evidently the loan service lowered my payment amount and closed my auto loan as if I didnt pay it off. When Im fact I paid it off in XX/XX/2020. It took 10 points off of my credit when I am already struggling to pay off the debt I currently have. Not sure what to do or who to contact when regarding this issue.
Consumer complaint received 2019-07-21
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. (IL)

TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.
Consumer complaint received 2019-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I took out a home equity loan with Citizen One XXXX of XXXX. I always made my payments never missed one. In XXXX I was told that I needed to pay lump sum of loan. Needless to say I didnt have an extra XXXX . I began the process of trying to modify this loan. After having to resubmit application 9 times because either a page wasnt initiated, or a blank page of statement was missing ect I contacted a law firm to try and get this straightened out. They told me to stop making payments. BAD ADVICE! They seemed to think once they saw that there was over XXXX XXXX dollars in equity in my property they hit the jackpot. I have been paying them over {$500.00} a month for 2 years now. I just received a letter from Citizen One that they have started foreclosure proceedings on my home. The last appraisal valued property over XXXX XXXX dollars. All I want to do is pay them off but because they have ruined my credit it has been impossible. How can they do this? Please help! My home is all I have. My regular mortgage is prestige. I always pay my bills.
Consumer complaint received 2017-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Last month I received a Atm card from this bank with no explanation. They told me my account has been compromised and the person took all the money in my account. I provided the branch a police report when my identity got stolen last year they assured me that I would get my money back. I reported them before and the president office never returned my calls. They are giving me the runaround. They do n't care or value me as a customer they are very unprofessional and not sincere. They had very difficult time inputting everything in the system that the bank manager had to process the request. I never got my replacement card or my funds back on my account.
Consumer complaint received 2024-03-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

The original creditor removed the debit from my account as it was an error and the device was not leased to me. XXXX allowed someone to charge a phone to my account without my consent. I communicated this fraud action with XXXX  and it was resolved. Now XXXX years later a new debit collection was added to my credit report. This charge is not mine. I disputed this account with JEFFERSON CAPITAL SYSTEMS and asked them to provide accurate information about this account, reach out to the original company and request documents that were generated which resolved this fraudulent charge. They have inaccurate dates listed on this collection which appears to reflect charges from this year on my credit report. They also did not provide the documents that I requested. This should not be on my credit because as stated above XXXX originally resolved this fraudulent charge. I have not been a XXXX  customer for over XXXX years and no new charges should be listed on my credit report. This is unlawful that a credit company can pick up a debit from another company and come after me, make a negative mark on my credit when the original creditor admitted wrong doing and found me not responsible for the debit. I am requesting that this be removed from my credit report immediately.
Consumer complaint received 2019-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (AR)

The Bureau is reporting a debt owed to all three credit bureaus. The amount reflected is {$780.00}. I participated in a debt relief program through XXXX XXXX. All delinquent accounts were settled in full as a part of this program. While I was participating in the program XXXX attempted to contact The Bureaus for information to settle the debt and received no response. I have asked the company to verify the debt so that I can be sure that it is not a duplicate of one of the accounts that were paid during the debt relief program. I have not receive any evidence that I owe this debt.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MI)

( 1 ) XX/XX/2019, XX/XX/2019, XX/XX/2019 ( 2 ) {$460.00} ( 3 ) Action : I submitted a return shipping charge from a chair that I order online, but when the chair arrived it was defected and poorly constructed and I had to return the chair and pay shipping charges costing {$460.00}. I submitted all the documentation that I had on the return including an email from the seller stating that the shipping charges would be taken out of the original cost of the chair ( {$1600.00} ) on XX/XX/2019. 
But on XX/XX/2019 I had not received the refund from the selling company. I did not receive the refund from the company until XX/XX/2019, but by then PayPal stated that I had been denied the shipping return cost because it took longer than 14 days to get the documentation submitted to them, but I first submitted the documentation on XXXX XXXX and on XXXX XXXX I called PayPal and spoke to a representative and was told that I should wait on a letter from PayPal with instructions on how and what to send back and the shipping cost would be granted. But after many emails back and forth with PayPal denying the credit for the return shipping charges I just got tired. ( PayPal ) policy says customers are protected on returns charges, can you help? 
I am a XXXX senior and I bought the chair online because of their return policy and they burned me and I need help, please help because that is a lot of money for me to lose. 
I also offered to send pictures of the poorly constructed chair and a letter from the pickup service that signed an acknowledgement letter of the condition of the chair when they pick it up the wheels would not even move on the office chair. But the person that I spoke to representing PayPal told me to send the pictures back with the instructions from the letter from PayPal. I never received a letter from Pay Pal!
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NV)

I was sent several invitation letters by Discover Credit Card. Each time I have applied I was denied. This has resulted in several hard pulls. I would like the following removed. 


XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  ( aka XXXX ) purchased my mortgage from XXXX in XX/XX/2019. In XX/XX/2019 and upon learning of the sale of the mortgage to XXXX, my XXXX, XXXX XXXX, set up an auto payment over the telephone with XXXX. ( The exact nature of the relationship of these two entities is unknown. However, XXXX purchased the loan, but does not accept calls from borrowers. XXXX customer service accepts the calls and the payments. It is very confusing. ) On XX/XX/XXXX, we learned from the credit reporting agencies that the auto payments were not set up by XXXX and the XXXX and XXXX payments had not been made. We received no notifications from XXXX/XXXX that the payments were due and unpaid. 

Payment for XXXX, XXXX and XXXX was made on XX/XX/XXXX. An auto payment was successfully set up over the phone with XXXX. 

XXXX has reported that the XXXX mortgage payment was 60 days past due. While I dispute any past due because the auto payment was established and sufficient funds were in the account, the XXXX payment was paid XX/XX/XXXX accounting to XXXX and was not past due even by XXXX records. 

I sent this information to the 3 credit reporting agencies. Experian has already responded that XXXX " verified '' the information in the report. However, this is impossible. I sent the payment history from XXXX showing the receipt of the XXXX payment on XX/XX/XXXX only 35 days after XX/XX/XXXX, a far cry from 60 days. 

XXXX 's " verification of the information and Experian 's decision to continue to report the XXXX payment as 60 days late is a willful misrepresentation.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (FL)

In accordance with The Fair credit reporting act the account listed below 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 an account without my written instructions 15 U.S.C 1681- XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent 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 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called Transunion and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX Hello XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have made multiple attempts with the Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agency regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX EQUIFAX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX XXXX XXXX AND EQUIFAX XXXX HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS.

They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy.

15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION!

15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. 

XXXX AND EQUIFAX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.
Consumer complaint received 2019-07-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XXXX of 2018, I completed a contractual agreement with XXXX XXXX. For approximately 6 months, I had been disputing overcharges and incorrect late fees and made several phone calls to them to no avail. On each call, I requested an accounting of how they arrived at the " balance due ''. They continually refused my request, even when put in writing. At the conclusion of the contract, they sent me a final bill to which I disputed and even offered to discuss a compromise to resolve the issue. They ignored my dispute & placed it with a collection agency, XXXX  XXXX. who reported it the XXXX, Trans & XXXX. I sent the agency a detailed dispute with a demand for damages for their continual auto dialing of my cell phone without consent and after being advised not to. They simply replied with the last 3 bills, which is what I was disputing. They also failed to temporarily remove the item or note the dispute from the bureaus. I also disputed the item online with the bureaus. I never received a response from Transunion or XXXX. After investigation, XXXX removed the item. Shortly after that, I discovered the item had been removed from the others. After a few months, XXXX placed the item with a new agency, XXXX  XXXX who placed it back on all 3 bureaus again. I wrote a letter to XXXX XXXX, who also ignored me. Again, XXXX removed the item with no response from Transunion and XXXX. After a few months, XXXX placed the item with a new agency, XXXX, XXXX who placed it back on all 3 bureaus again. Again, XXXX removed the item with no response from XXXX. Transunion took a dispute by phone but sent me a generic response. No one will provide me a detailed accounting of what they claim I owe
Consumer complaint received 2019-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (NC)

On XX/XX/2019 TWO Service Finance Payments were taken out of my XXXX XXXX Checking account ; only one was authorized. Due to their double billing, I was charged {$74.00} by the Bank for an overdraft charge which Service Finance has been unwilling to pay. I called immediately after seeing the double charge and was told by a Service Finance representative that I would receive a REFUND check in the amount of {$230.00}. When I called the following Friday to check the status of sending the check, I was told by the representative that management had changed their mind and decided not to send me a refund check. I had them on speaker phone and had a witness when they said management admitted it was their fault but would not be sending a check. I later heard from a XXXX XXXX that the representative misspoke and said I only have 2 choices and that is to apply it to the principal or they would hold it as a courtesy ( some courtesy I told them for creating multiple problems and giving false promises out which are ORAL Contracts and VALID in the state of North Carolina. ) I told them to HOLD the money and apply next month but that did not release them from owing me {$74.00} for restitution. Several conversations went back and forth and then XXXX said it was a closed issue and he would not discuss it further. I have this in writing. Recently, XXXX asked for additional statements from the bank and overdraft letters as the audit department would not accept any of the screenshots I had produced. I gave them what they asked and he wrote back that he reviewed the documents but still held to the fact they were not going to pay out anything. He is attempting to blame me and said I entered the information of my routing number and checking account number within the 2 minutes apart of the transactions. I have been in XXXX XXXX for 35+ years and know that some incidents are not widespread and can be singled out to a particular account. I feel he is being discriminatory toward senior citizens and attempting to make me say something that is not true. I did not enter the transaction to be paid twice. The VP that gets involved will not even reveal his name or position.