davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

We had many lenders that wanted us to work with them including XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX when we purchased our home. Our realtor at XXXX XXXX XXXX referred us to her husband, a lender at First National Bank ( FNB ). He promised us a slightly better rate of 3 1/2 no points on a 15 year fixed but not until the day of closing we found out that wed have to pay over {$5000.00} to in fact get that rate.

First National Bank knew that we needed a construction loan to add bedrooms for our large, blended family. He knew that we needed to get the work done as soon as possible to ease the transition for our kids.

The contractor ( XXXX ) that we preferred using had also done work for us on our previous home, and we were happy with his work. XXXX gave detailed drawings and numbers for FNB. FNB informed us that XXXX  wasnt approved for the construction loan and instead steered us to the pre-approved contractor, XXXX, for our construction loan.

However, FNB never delivered the construction loan. FNB instead gave us a line of credit at a higher interest rate. As construction began, we were told to keep issuing wire transfers to XXXX  or threats that our construction would stop. Our house was completely demolished at this point, with no electric or plumbing. So we had no choice but to issue the wires from our LOC and complete the work. Again, we were threatened that the work would stop and the contractor would leave out of the country if we did not comply. We were also told that new fixtures would be ripped out of the walls if we didnt pay.

We are now in a house where the plumbing and electric are functional, but not complete. The electric box has open wires, our generator has not been hooked up, some plumbing is leaking or loose, tile work has not been completed, our fireplace is not fully installed, and other issues.

We need to complete the work but have completely lost all trust in XXXX. We have come to find out that First National Bank and our contractor, XXXX, have a side business. They also used underage children who should have been in school.

Because of First National Banks unprofessionalism, we are now in a bad financial situation. We have reached out to other lenders but they will not refinance our construction loan or LOC during active construction.

First National Bank steered us to a line of credit that we never asked for in the first place and said they would pay the point to get us to prime until we got the promised refinance.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : XXXX XXXX ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Thank you.
Consumer complaint received 2020-09-23
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. (CO)

I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : Transunion Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Transunion Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (VA)

Contract Callers continues to report a debt on all three credit reports that was recalled by XXXX XXXX. This is not Contract Callers debt and they need to relive from credit reports. They have not sent any mail to me verifying this debt and are violating FCRA laws by not removing a recalled debt and not sending verification of such debt they claim I owe them.
Consumer complaint received 2019-01-14
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. (VA)

I have contacted XXXX, TransUnion and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
Consumer complaint received 2023-06-12
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)

This is my Follow-up 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 items 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. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I had an existing 'payday loan ' ( {$300.00} ) with Easy Money-XXXX XXXX XXXX , XXXX , TN XXXX. When I went in to pay off and rewrite the loan on XX/XX/18 the representative told me my payday loan ( due once per month as I am on Social Security ) was changed by their Corp Ofc to a 'Flex Loan ' and that payments would be $ XXXX/month until paid in full, with an extended credit line of {$500.00}. I chose not to increase the credit line and it was to remain at a principle of {$300.00}. The {$49.00} was to be debited from my bank account once per month. On XX/XX/18 they debited {$15.00} from my account instead of the {$49.00} agreed upon. When I contacted the rep she said 'the Corp Ofc changed the contract because it would take 'too long to pay off ' and that the {$15.00} withdrawal was a 'late fee ' which they debited instead of the {$49.00}. When asked why I was not notified of the contract change she replied that they 'just didn't have time to contact everybody '. I subsequently filed a complaint with our local XXXX who referred the complaint to XXXX Ohio ( complaint # XXXX - ref # XXXX ). XXXX Ohio stated Easy Money CCFI et al  Buckeye Check Cashing stated they 'never ' had a loan contract with me. I then provided a copy of the original contract which clearly states it is a 'Flex Loan ' ( Account # XXXX ) and the principal amount of {$300.00}. They then changed their position and stated it was a 'Fixed Loan '. The XXXX Ohio could offer no further resolution but to provide resources to initiate a 'regulatory ' complaint. I also sent certified letters to both the Easy Money local office and Ohio location indicating the contract was disputed due to their unilateral breach and revoked their ability to access/debit my bank account. I also sent an account dispute notification to their website on XX/XX/18 following my conversation with the store rep who deleted the online account information immediately after my phone conversation with her. It was restored after I filed the XXXX  Complaint even though they told XXXX  there was 'no contract '. They never responded to my online dispute notification. To date I have not received any communication from Easy Money, CCFI et al Buckeye Check Cashing regarding the dispute. I would like to get this resolved but strongly feel there is definitely fraud and deceptive business practices involved here and I feel certain that it began with their store rep and continued because they felt a retired senior citizen wouldn't notice it. I am retired and financially vulnerable but I am not stupid. I would be more than happy to provide whatever documents you require as I would like to bring resolution to this matter.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: We Finance Inc. (CA)

In XX/XX/XXXX. I noticed that on my XXXX XXXX account the loan with Wefinanceinc that I Co signed for my son was not showing the last three months of on time payments. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted XXXX  to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager Wedinaceinc. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!
Consumer complaint received 2019-01-14
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. (CA)

This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX  ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

My first request for debt validation all that was received was a copy of a statement and a letter saying this is yours. I have again ask for complete debt validation.and have not received.any information at all. Meanwhile this item remains on my credit file and is causing me.problems with obtaining credit.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

Notice to Agent Notice Knowledge U.C.C 1-202 Respectfully, All Rights Reserved Without Prejudice - U.C.C. 1-308 XXXX XXXX I hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize this contracted corporation, per the Electronic Funds Transfer Act, 15 USC 1693 , to transfer said securities into to my Account number : XXXX Routing number:XXXX. 
You may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet your short term obligations. Per 12 CFR 1026.13 - Until this billing error is resolved, the following apply : -I need not pay & you may not collect any portion of payment related to this dispute. -You shall not make any adverse report of my credit standing. -Acceleration of debt & restriction of this account is prohibited. -You shall not restrict or close this account solely because I have exercised my rights in good faith provided by this section. -You may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. -You are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account. -Since a debt can not be paid with a debt, my FRNs must be returned. -Per 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. I've exercised due process and this is my next attempt at communicating my rights in good faith before reporting to further governing bodies.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (GA)

On or around XX/XX/XXXX, XXXX XXXX XXXX a XXXX XXXX {$1500.00} ) under my name without my consent or knowledge. I called the company ( Fortiva ) to inquire about the new credit card. I was told it was given to me for being a " loyal customer since 2018 '', I mentioned to him that I did NOT ASK for the card. 

Now, that the card has been sent to me, my credit score has dropped XXXX points. This is an unwanted card so I have no intention on activating the credit card, therefore the card will be closed for inactivity which will affect my credit score again .... For a card I didn't ask for.
Consumer complaint received 2022-07-27
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: GOLDMAN SACHS BANK USA (FL)

I submitted previous complaints and requested a full audit of my credit card. Goldman Sach refused to fulfill my request stating they do not have the time or resources to conduct the audit.
Consumer complaint received 2022-03-14
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. (IL)

I am a victim of Equifax data breach and I currently have 2 fraudulent credit card ccounts from XXXX bank and XXXX bank showing on my Equifax credit report. I will attach my FTC report, Affidavit of truth notarized, my dispute letters, my identity documentation, and proof that XXXX has deleted these same two accounts last month. XXXX and XXXX has complied with the law and have removed these inaccurate accounts but Equifax is blatantly disregarding the law and refusing to do the same.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted the several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 days. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in apply to new credit, housing, etc.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MT)

I disputed several entries on my Equifax credit report that falsely shows I owe XXXX XXXX Hospital the following amounts recorded as ( 1 ) AMT {$360.00} BAL {$500.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 2 ) AMT {$540.00} BAL {$800.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 3 ) AMT {$210.00} BAL {$280.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX. Upon my dispute the credit collection agency, XXXX XXXX , XXXX d/b/a XXXX XXXX, sent me documents supposedly supporting their collection activity, but out of XXXX invoices sent me XXXX show {$0.00} owed. 

I am a 23 year XXXX veteran. I have a service connected XXXX and at all relevant times was validly enrolled in the VA Healthcare System. As you know, VA pays 100 % of all hospital charges that they approve, since I have no other health insurance. Obviously, the unpaid balances derived from the VA refusing to pay for overcharges or inflated billing by XXXX XXXX Hospital/XXXX XXXX XXXX. 
By letters dated XX/XX/2017 I demanded XXXX XXXX, Equifax, and XXXX XXXX stop their false reporting, but to date they have refused to do so. I request you investigate and sanction these XXXX offending parties. Their actions are no way to treat a veteran.. 
Thank you for your assistance in this matter. 
XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, Montana XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2020-09-23
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. (GA)

I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. XXXX, transunion and XXXX are allowing these creditors to report incorrect information to my credit report.
Consumer complaint received 2023-08-15
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: On Q Financial (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-09-23
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: ACIMA CREDIT, LLC (TX)

So I have been getting phone calls and emails from this agency called acima credit. I apparently owe them {$10000.00}. They have reported it to my credit. Ive talked to them on the phone and told them that I do not owe them anything because I was never aware of how or even why I owe them that amount of money. I have no idea To this day why I owe them that amount, where it came from or who had my information to authorize it. they then said to report it as fraud and send them the report ... I really need this off my credit. As Im sure you understand.