davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 2022-09-26
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX*Balance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}
Consumer complaint received 2022-09-26
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXXXXXXBalance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}
Consumer complaint received 2021-11-16
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. (IN)

These accounts are still on my TransUnion credit report and I would like them removed. They are currently closed, and have been for a long time. 

XXXX XXXX XXXX  XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$86.00} Credit Limit {$500.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks Account closed at consumer 's request and dispute investigation completed, consum ; CLOSED XXXX-XXXX  XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type SECURED CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$44.00} Last Payment Made XX/XX/XXXX High Balance {$86.00} Pay Status Current Account Terms Paid Monthly Date Paid XX/XX/XXXX XXXX  XXXX XXXX Address XXXX XXXX  XXXX  XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Account Relationship Terminated Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$10000.00} Credit Limit {$18000.00} Pay Status Current Account Terms Paid Monthly XXXX  XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$220.00} Last Payment Made XX/XX/XXXX High Balance {$190.00} Credit Limit {$300.00} Pay Status Current Account Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; CLOSED BY CREDIT GRANTOR ; CLOSED XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type SECURED CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$0.00} Credit Limit {$200.00} XXXX Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks Account closed at consumer 's request ; CLOSED PETAL CARD XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$8.00} Last Payment Made XX/XX/XXXX High Balance {$8.00} Credit Limit {$750.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Remarks CLOSED
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC. (LA)

I was accused of damaging a room ( Door Frame and Door ) at the property address located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX ( XXXX ) ; during my stay between the dates of XX/XX/XXXX XX/XX/XXXX. This frivolous accusation is 100 % false. On XX/XX/XXXX when I checked out of the room, the dwelling was inspected before check out was completed. I turned in the keys and the bill was paid in full and I left the property. The incident in question took place after my check out and departure ( The Staff contacted me over 48 hours later to inform me of the damage ). Therefore by law I can not be held accountable for whatever occurred in an empty unit after the lease/agreement has come to an end and all bills/ ( and or ) fees have been satisfied. I have also contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX. I spoke to the current Property Manager Mr. XXXX. He informed me that I was cleared from the unit with no outstanding bill/ or fees at my departure. Mr. XXXX also notified me that the cost to replace a door, and its frame is {$900.00} ( Door {$500.00} and Frame {$400.00} ) but however the credit collection company : XXXX XXXX XXXX XXXX XXXX XXXX has place the ludicrous amount of {$2900.00} on my account. This is in clear violation of the Fair Debt Collection Practices Act as Amended by Public Law 111-203, tittle x, 124 Stat. 2092 ( 2010 ). Section 15 USC 1692, Section 807 False or Misleading representations 2A, 8, Section 808 Unfair Practices, and Section 809 Validation of debts. Your immediate assistance is appreciated in helping me to resolve this matter.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AR)

XX/XX/XXXX, I called Ally to request a deferment due to my wifes mother passing away. I was granted that deferment. I was told I needed to pay {$650.00}. up front and the representative told me to ask family or friends for help. I did that. A friend put {$700.00}. on two prepaid Visas. The very next day I called to pay. The Ally representative refused to accept those visas. I told her I got paid on the XXXX of XXXX. She said that was fine, to just set it up to be withdrawn online per the app. I did exactly that. However 5-6 months after XXXX, Ally has reported me late to the credit bureaus. We had to use all our savings to travel and bury my kids grandmother. As soon as I returned, I immediately contacted ALLY to request a deferment. All of this information is supposedly recorded every time I call. At least, I am told these conversations are recorded. I have spent the last two years sending certified letters, emails and even hired a credit repair company ; XXXX XXXX ( out of XXXXXXXX XXXX  ). I recently contacted my state Attorney General and have only received one email back and have been waiting for another response for a month now. I also contacted my XXXX, XXXX XXXX and have yet to hear back from them either. 
From XX/XX/XXXX to XX/XX/XXXX, no payments should be reported as late, as I made my {$650.00} dollar payment on XX/XX/XXXX ( the date I said I got paid, since they refused to accept the {$700.00}. I had on two prepaid visas ) This is all agreed on in the recorded audio with Allys representative who are clearly outsourced to XXXX. When I called Ally upon finding out Ive been reported late for months, I was told that my bank never released the funds. I called my bank, XXXX XXXX XXXXk and they were released the day I told them I could pay. So they bluntly lied to me, then played the victim. They have ignored every email I have sent in regards to what they did to me. Except recently they responded when I found out they reported me late again in XX/XX/XXXX. Which I do not understand because I pay on their app through direct payments. I brought it to their attention and they claim they didnt. I have a paper trail of certified letter receipts, all written correspondence with Ally, bank statement, and the two Visas they refused to accept. Its been two years, and my lease is up in XX/XX/XXXX, and I do not qualify for a home loan due to what Ally has done to me. I am a ( 100 % ) XXXX Combat Veteran, my wife is a full time XXXX student, so we live off a fixed income. If this issue does not get resolved, I am at risk of putting my family XXXX. Can you please help me resolve this issue. The conversation between the Ally representative and myself is proof I did what was asked of me. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

In XX/XX/XXXX I signed a contract for a loan for XXXX. I knew the interest was high but I planned on buying it out after three months. When I called to buy out the loan I was told it was over 2000. That was because the representative gave me the amount I owed if I paid month to month. Ex if I paid XXXX per month for 20 months I would have paid XXXX. I read my contract and called again because it was only supposed to be XXXX. When I called and asked again they said that it was still 2000 and my early buyout in my contract was an estimate. I have refused payment since XX/XX/XXXX and I contacted them after I realized that they broke the fdcpa. They now want me to pay XXXX for late fees and past payments when my account would have already been closed if they followed contract. They have been sued before for violating the fdcpa and get complaints on the daily. This could have been a good experience if they didnt lie to try and con me and tried to come up with a resolution since they cant agree to mine
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation (TX)

I requested information about a Fraudulent hard inquiry that appears on my credit report in XXXX, I have already requested information on two occasions and I get the same response : " They can't get my information. '' I have provided all my required information and yet the same problem continues to affect me. 

XXXX XX/XX/2023 XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX
Consumer complaint received 2019-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (TX)

initiated a transfer from money lion to money lion checking would not allow me to transfer to my XXXX account even though it is linked to the account. I initiated this on XXXX19 it is XX/XX/2019 no response money was remove from investment but has not been transfer to money lion checking or XXXX checking account no response from company long wait times no response from XXXX XXXX nothing from the company and multiple complaints for multiple users
Consumer complaint received 2024-04-09
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I was asked to vet a credit report by XXXX which is a loan company in order to process my loan. 

On the XXXX of XX/XX/2024, I applied for a credit report and I got the report. In the report, it appears that I do not have any credit history as the page does not carry figures about my credit history but to my surprise when XXXX sent me an email about my loan aplication, the loan application was not approved and I saw that I have XXXX credit score. 

XXXX pointed that the credit score affected their decision. 

How did I get this credit score? 

I want to know how the company provided my credit scores as it is. 

As at today, as a XXXX I have never applied for loan before all my life. Hence, it surprised me getting to know how the company arrived at that credit score. 

Please, kindly assist me in this regard. 

Thank you.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I contacted Experian last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( SECU and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell EXPERIAN whatever to report on my consumer report under FCRA. Failure for EXPERIAN to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.
Consumer complaint received 2023-09-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I received a call in XXXX of 2023 From a company out of Washington state called IQ Data International trying to confirm my identity. When I refused to confirm my identity the guy on the phone made an open ended threat and hung up on me. A few weeks later I receive another phone call from woman this time. I confirm my identity and she requests my banking info. When I refuse she says they are going ro ruin my financial future u less I pay them now. I hang up and they then proceed to call me 6 times in a row. I have no debt with original company. They broke the contract. IQ data is trying to collect XXXX from me but I have emails from original debtor for XXXX dollars. This is a very shady and immoral company.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

this is my 2nd complaint as the 1st one made on XX/XX/XXXX was closed after 1 email that stated to call I called then left voicemail and they closed stated it was resolved HOW I didnt get the money they stole from me back all they did was email.. EMAIL. 

YOUR COMPLAINT I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to XXXX as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this XXXX  store told me I had mail and in order to get it I had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough, there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me on XX/XX/XXXX, that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
Consumer complaint received 2019-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP (MS)

After securing a loan with Keybank, I am now in the repayment process. During the repayment process, Keybank uses all avenues to conract me - email, letters and now twice-a-day phone calls. To include calls before XXXX. I have discussed payment and yet calls continue. If payment is not timely multiple calls will not make the money materialize - especially if there is simply no money. I have requested twice to be placed on the Do Not Call List, but the calls continue. 
Keybank has also resorted to deceptively placing calls from numbers listed as " Toll Free ''. They also do not leave voicemail messages identifying themselves. ( Voicemail is available. ) A schedule of their calls follows. 

XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX
Consumer complaint received 2022-12-16
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: AMERICAN HONDA FINANCE CORP (HI)

Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to XXXX. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 USC 6802b, as I have informed the credit reporting agencies XXXX, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized.

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, 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. the information is, in fact, inaccurate.

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (MA)

On XX/XX/2020 I went to XXXX XXXX XXXX in XXXX, NH XXXX. On XX/XX/2020 I put down a deposit on a vehicle with a financing price of {$11000.00}. I returned on XX/XX/2020 to finalize the deal on the vehicle the sales person never explained any changes. I noticed the amount on my loan was higher then expected so I called company that made the loan ( Credit Acceptance ) they did not help. I then read through my contract and found that XXXX XXXX XXXX listed the vehicle at {$17000.00} that was not the price advertised. Also not the price I agreed. They also charged me for a XXXX insurance which I never recieved.