davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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. (WI)

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 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 XXXXXXXX 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, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-07-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I called Credit Acceptance to check on my account, because we made an agreement, saying that if I paid {$370.00} on time for 7 straight months that they would remove all the late payments off of my account. XX/XX/2022 I talked to an employee that said they couldn't remove it off my account and stated, '' we have to make a pay arrangement on your account so that the call agency can stop calling your phone. " So, for these past couple months I have been getting calls every day from them and I'm tired of being harass, when I'm paying them every month on time.
Consumer complaint received 2022-11-30
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. (GA)

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

I should be over drafted a little over {$300.00} but PNC is taking advantage of eveything and has charged so many overdraft fees i dont know how ill recover. Where it sits PNC has my account overdrafted almost {$600.00} most of which is overdraft fees charged over and over. They refuse to help me and refund such fees to allow for me to be back on my feet. My family is going without food and our water is about to get shut off because when my check does hit its not going to cover anywhere near what PNC has charged to my account.
Consumer complaint received 2019-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

The monthly retail installment payment was made on XX/XX/2019 via Bank E-check as has been done since loan origination date. Payment not credited by TFS and TFS failed to locate any reference to the payment when called. Instead I was told 2 payments made 18 months ago were less than the amount due although no notification was ever sent to me. Due to antiquated Toyota policies, I was treated like a deadbeat customer and had to take off from work, go to the bank to secure a Merchant Transaction report, go to XXXX and fax the documents to TFS @ XXXX to prove payment was made.

It is the negligence and rudeness from TFS that caused me decide to not buy a Toyota again and will dump the XXXX XXXX XXXX XXXX  ASAP. There are lots of brands that don't screw up the accounting or then force the consumer to jump through hoops to prove payment has been made..

Where did my payment go?

Why was the payment not in the system?

Is this a SOX violation?
Consumer complaint received 2019-02-04
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. (IN)

A XXXX XXXX credit card thats been on my report since XX/XX/2010 state limitation it should have came off I dispute it and they updated on a closed account.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX I took out an escrow loan in amount of {$98000.00} originated from Huntington Bank to rehab my home at a low interest rate. The organization " XXXX XXXX XXXX XXXX XXXX '' was Non-Profit. Huntington Bank partnered with to get work completed. I Only used {$62000.00} after work completed. {$32000.00} left over was never credited back to my original loan. Huntington Bank has been forcing me under Threat of Foreclosure, To pay ALL this time to date XX/XX/XXXX Mortgage money I Never borrowed or used.
Consumer complaint received 2022-11-30
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. (GA)

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had bankruptcy # XXXX on XX/XX/2009 case was closed, Portfolio recovery trying to the discharged debt to collect from me. calling to my business number every day up to 3 times and hang up each times with different numbers.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I am writing to address a persistent issue related to my student loan account, which has yet to be satisfactorily resolved despite multiple attempts to seek clarification through your customer service channels. I have received conflicting information on a series of phone calls and require immediate resolution. 

MOHELA made a billing error that occurred in XXXX and XXXX of XXXX, where a promised refund was not credited to my account. This was exacerbated by the inconsistent and contradictory information provided by customer service representatives during various phone conversations, in which some told me a refund had been mailed ( it never was ) and others told me it would be applied to my account ( it never was ). I am requesting the two months ' credit be applied to my student loans account immediately. 

For clarity, I would like to note that the administrative forbearance applied to my account for XXXX and XX/XX/XXXX is unrelated to the billing error in question. That forbearance was applied due to my application for the XXXXncome Drive Repayment Program, which is unrelated to the refund that was to be issued to me due to MOHELA 's error. 

In phone calls with customer service representatives in XXXX and XXXX of XXXX, I was provided with conflicting information regarding my XXXX payment status, a purported refund issuance, and the feasibility of applying a credit to my account. This lack of coherence in the information provided only adds to the frustration and confusion surrounding this matter. 

As per my understanding, I am entitled to a refund for the payments made in XXXX and XXXX of XXXX due to MOHELA 's billing error. I kindly request that this refund be promptly credited to my account and applied towards upcoming payments. Additionally, I request that these credited payments be considered as part of my Public Service Loan Forgiveness ( PSLF ) loan count, consistent with the two months of forbearance in XXXX and XXXX, as is required by the Department of Education. 

I kindly ask that MOHELA rectify the errors in my account promptly and provide me with a clear and accurate statement reflecting the corrected information. I appreciate your immediate attention to this matter and expect that these concerns will be addressed in a timely and efficient manner. 

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2023-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (SC)

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. 

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX ACCOUNT # XXXX EXPERIAN FAILED TO VALIDATE THIS ACCOUNT. THIS ITEM IS INCORRECT. THIS ITEM WAS PAID DIRECTLY FROM XXXX. AND THE UNIVERSITY WAS PAID DIRECTLY. THE UNIVERSITY REPORTED THIS ITEM AS A COLLECTION, AND FALSE. WILL SEEK LEGAL ACTION, IF NOT CORRECTED.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-13
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. (SC)

I AM SUBMITTING THIS DOCUMENTS ON MY OWN BEHALF. I WILL ASLO FAX THEM IN. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THIS. 
Send in information via Equifax Upload to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Equifax allows to do a soft inquiry on my credit profile. I would like for Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. I do not wish to place a fraud alert on my account since Ive changed my account pin.
Consumer complaint received 2019-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

Hi, I kept getting contacted by this company claiming to be a loan servicing agency. They called themselves XXXX XXXX '. I talked to a guy named XXXX and a woman named XXXX. They went into great detail about my loans and how they could help. I ended up believing them and gave them all the information they would need including my social security number and bank routing and account number. 

They already pulled {$120.00} out of my account but I have canceled the request with my bank. What further steps would I need to take to ensure they can't take anymore, scam me, or move forward with identity fraud. 

This happened in XXXX, they claimed to be working with the Dept. of Ed. and their first withdraw from my account happened on XX/XX/XXXX.
Consumer complaint received 2019-02-05
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. (MD)

both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating XXXX, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX transunion claims no such remark is showing on file but recent report from transunion sent out XX/XX/XXXX from them is not accurate.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2019-04-13
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. (MN)

I need to File a complaint on Experian I have asked them to investigate a XXXX XXXX account XXXX That is Not Familiar with me I had reached out to the creditor they tell me that the account was closed and couldn't provide any info to me I asked Experian to Please investigate this account and they have failed to do so. I'm going to asked you one more time before I file Legal action On experian if they DO NOT SEND ME PHYSICAL PROOF OF THIS DEBT! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or deleted immediately. 
XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information for the second time now.According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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 2019-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: General Motors Financial Company, Inc. (GA)

In XXXX, XXXX I had hail damage to my car. The insurance adjuster made the check out to me and GM Financial. I unknowingly endorsed the check and deposited it. The bank put the deposit on hold until XXXX/XXXX/XXXX. Ill be XXXX XXXX XXXX. Since that time, XX/XX/XXXX, I have spoke with personnel at XXXX XXXX XXXX, they need a waiver signed by GM Financial to release the funds, since I am no longer indebted to them. I spoke with customer service, they told me they wouldnt sign anything and to sue the bank. I sent a registered letter with the waiver I needed signed to XXXX XXXX, VP and chief financial officer on XX/XX/XXXX. The letter was received but I have not had a response. The amount was {$3300.00}.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

XXXX XXXX XXXX -tried to dispute inaccurate item XXXX XXXX XXXX -tried to dispute XXXX XXXX -tried to dispute XXXX XXXX-tried to dispute XXXX   XXXX XXXX-tried to dispute
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I sent letters to Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute and update personal information regarding my name and addresses that was used in fraud many years ago. Although they updated my name correctly, they continually to FAIL to remove the old outdated addresses from North Carolina that either are extremely outdated or addresses where I never lived. I've even sent them my current identification information and they still ignore it.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

We closed our visa card account with Citi Cards on XX/XX/2018. We received a payoff figure from your customer service agent of {$410.00} and closed it that day. We closed it because we didnt want to pay the {$95.00} annual fee, which the customer service rep subtracted from our final payment before closing the account. I spent an hour on the phone resolving this matter However, the next month we were charged again the {$95.00} annual fee, plus interest. Again, I was forced to call your customer service dept to get this reversed, was put on hold multiple times, and spent another 1.3 hours on the phone with your company. I thought we were finally done. 
Still, the emails and phone calls began 28 days later. I called again and thought it was a closed matter. The next month, it began all over again. 

On XX/XX/2018, I called and was put on hold, forwarded to several people and put on hold for a supervisor. Long story short, the supervisor was apologetic and reversed all charges and promised the balance was XXXX. She gave me a reference number of XXXX. 

The emails and daily phone calls have persisted this month and have continued to harass us! 
Please resolve this issue with your accounting department ASAP. 

We will be filing a complaint with the Consumer Protection Agency regarding this matter.