davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.
Consumer complaint received 2019-06-18
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. (CA)

I have complained several times about inaccurate information on my credit report and Experian refuses to delete wrong information. There is address that is inaccurate they refuse to delete it. I want it removed immediately!
Consumer complaint received 2019-06-18
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. (NM)

XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (SC)

On XX/XX/2019 this company CashnetUSA removed over {$500.00} from my personal bank account. I called my bank to tell them this was a fraud and the bank canceled the transaction. I called this company CashnetUSA to ask them what they were doing and they said they were collecting on a loan. I told them I have no loan with them and asked how they got my personal banking information and they said from an online application. I told them I didn't do that and to stop from emailing me, calling me and trying to collect from me as I have no account with them and never had. 

The following month XX/XX/2019, they attempted to debit my account again for over {$500.00} to which my bank stopped that transaction again. I wrote to them to stop this activity and asked them to tell me how they have my personal information and the response I received was ; " If you think this was fraud, file a police report and send us that information '' Seriously? they obtained my information fraudulently, have no methods to stop online hacking or they perhaps have underhanded employees and I'm supposed to go out of my way to substantiate their illicit activities? I think not! 

To this day I receive demanding emails and phone calls every single day. I want this company to cease and to advise where they obtained my personal and private information. I have filed complaints against this firm and see attached online comments about them. The internet has pages regarding this company. 

XXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (KY)

The payment was issued to Discover on XX/XX/2019 via my online bill pay feature that my employer has attached to my payroll card. XXXX issued a paper check to Discover for {$200.00}. The check was received and cashed by XXXX XXXX XXXX, an Agent for Discover. Proof has been supplied to Discover, yet they have claimed they can not locate the payment. Interest, fees and my account is now closed, as well as it affecting my credit report has all transpired due to this missing payment.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

My mortgage was with XXXX XXXX and was transferred to XXXX XXXX XXXX 2016. XXXX mortgages are showing on my XXXX credit bureau reports with the full amount. This doubles the mortgage amount I owe and I 'm being denied credit due to excessive obligations in ratio to income.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (SC)

Sca Collections is reporting inaccurate information on my XXXX CREDIT REPORT {$110.00} open XX/XX/2016 Original creditor XXXX XXXX XXXX  I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS NEITHER THE CREDIT BUREAU ( XXXX  ) nor SCA COLLECTIONS HAS RESPONED WITH PROOF OF THIS INFORMATION This is a result of identity Theft.
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (CA)

Over the least 18 months I've attempted to contact the business Speedy Cash & the collection agency XXXX XXXX. Speedy cash refuses to provide copies of paperwork that would have had to be filled out to obtain alleged loan. XXXX XXXX the collection agency also refuses to provide any proof that I obtained a payday loan. I have never obtained a payday loan anywhere in my life. I'm a retired police officer with full pension prior to XX/XX/2015 when they allege I obtained the loan & when I refuse to give my full SSN # they hang up on me! 
Without them providing any documents I would have had to sign, it's difficult to prove the loan was not obtained by me. I also have bank documentation that unknown persons had gained access to my checking account around the same time & can provide that If necessary. That loan isn't mine & the 2 businesses involved are highly uncooperative & why I need help dealing with them
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 — Account information incorrect
Company: CITIBANK, N.A. (NE)

I was never contacted or communicated about this debt account being charged off. When I disputed this account with XXXX the creditor returned and updated information therefore admitting error on their original credit reporting. The account was never removed as per my request in the original dispute. The collection agency never reached out to contact me about the debt. When I called to find out how to solve this debt, it had been sent to an attorney. Calling the office took more than XXXX calls to reach a person and so I emailed them stating my issues with the debt and never received a reply back for over XXXX days.
Consumer complaint received 2019-04-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

About 2 years ago had an cell phone account with XXXX XXXX XXXX and ended account because store personnel at the XXXX XXXX Store, XXXX, GA., made changes to account without my approval. Only ( myself ) person opening account could make any and all changes, which I did not approve or make. Notified XXXX XXXX store management and XXXX Headquarters of issue which they did not resolve. Account was closed, equipment returned and agreed amount from original contract was paid in full. XXXX submitted debt collection to credit reporting agency at which time I submitted a dispute to debt indicating XXXX made change to account without my approval. In XX/XX/2019 requested credit from XXXX XXXX XXXX, who requested a credit report from Experian. Upon receiving the report from Experian, they informed me of the dispute but was unable to see signed/verbal documentation submitted by collection agency, date dispute submitted or my information in support of my dispute.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (IL)

In XX/XX/XXXX, I closed all of my accounts with BBVA Compass,  including a credit card, checking, and savings accounts, thus completely terminating my relationship with the bank. Shortly thereafter, I received a service email pertaining to the credit card account that I had closed. I contacted the bank to confirm all my accounts were closed, and to ask why they were still sending me servicing communications. I was told all of my accounts were closed, and that I would not receive any more communication from the bank. On XX/XX/XXXX and XX/XX/XXXX, I again received servicing emails from the bank at this address XXXX. I can not opt-out of these emails because they are servicing communications that do not have the option to opt-out. Given that my relationship with the bank has been terminated for over 2 years, I think its inappropriate for them to retain my email address and continue to contact me regarding my closed accounts because this creates the perception that the accounts are still open.
Consumer complaint received 2023-06-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

They reported that I was 60 days late to pay. I was never late for my lease. They offered a settlement for the remainder of the lease over mileage and I paid it. If I knew that it would affect my credit score I would have paid the whole amount.
Consumer complaint received 2019-06-19
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. (NC)

I started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or Transunion and XXXX. Ultimately it is now on Transunion and XXXX  to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XX/XX/XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.
Consumer complaint received 2019-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Had a 2011 XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever
Consumer complaint received 2019-06-19
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. (MD)

I applied for a XXXX 's credit card on XX/XX/XXXX and my application was denied. On XX/XX/XXXX I received a letter from XXXX XXXX in XXXX, FL indicating that the reason for my denial was that " Credit bureau reports applicant is deceased '' and that if information is incorrect I should contact the credit bureau - Experien in XXXX TX. I called and the first think they asked for was by social security number which I refused to give. 
Obviously I am not deceased and I do not give out my social security number to prevent identity theft. This seems much like a scam to me. - XXXX 's should be notified and both XXXX XXXX and Experian Credit Bureau investigated to prevent others to be exposed to this scam.
Consumer complaint received 2022-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC (NV)

I took out a loan with this company and decided to consolidate it and worked with a company called XXXX XXXX XXXX. XXXX XXXX XXXX sent out cease and desist letters and negotiated on my behalf. Yet, this company is still contacting me and threatening to garnish my wages. I will include attachments that show that I paid the entire program with XXXX XXXX XXXX and I should not owe West Side Lending anything.
Consumer complaint received 2019-06-19
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

Had a 2011 XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever
Consumer complaint received 2019-06-19
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. (NY)

I noticed 3 hard inquiries on my account, which I am totally unaware of and never conducted/applied to. Please see below inquiries 1.  XXXX XXXX  XXXX -XX/XX/XXXXXX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX -mXXXX Accounts that showed I have past due amount 1. Noticed I have passed 30 days on my XXXX 's account in XX/XX/XXXX. I was a victim of fraud, called XXXX XXXX immediately to close the account but they never did until the next month. I should not be held liable for purchases I never made 2. XXXX   XXXX XXXX XXXX - I paid off my balance and asked them to close my account. I was never late with my payments. However, they received that payment one day after my due date and is telling me I am past due ( I know most customers have a grace period ). When I called customer care, the rep was unwilling to help me and hang the phone up on me ( person was very XXXX )
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I have been paying loans with Navient for 13 years. My balance has gone roughly from {$20000.00} to {$15000.00}. Periodically, XXXX XXXX sends me a notification that my Navient balance has increased suddenly and quite severely. The last one being over {$1000.00}. I am never late- I've never been in default. I can not seem to get my balance to decrease and finally pay it off. I don't qualify for Student Loan Forgiveness because of the type of loan I have, I think? I want to know why my balance increases sharply periodically and why this loan isn't closer to being paid off.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Grain Technology, Inc. (VA)

Grain credit suddenly closed my credit account after charging me a XXXX dollar annual fee that wasnt disclosed in the application when i signed up. Ive been a member for close to 2 years never had one problem. They take the money then send me a email a few weeks later saying my account cant be verified and to fix it before XXXX XXXX here it is XXXX the XXXXXXXX XXXX and they have already closed my account without even giving me a chance to verify. Now they are unresponsive and will not answer my emails phone calls or XXXX messages. On top of everything there is no explanation for what cant be verified. Everything is in order
Consumer complaint received 2022-04-06
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. (NJ)

I don't recognize this inquiry made on my report and is need to be removed XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.
Consumer complaint received 2019-06-19
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: TD BANK US HOLDING COMPANY (TX)

We attempted to resolve this with the creditor a couple months ago. We did not receive any correspondence in the 30 days of the dispute that shows the creditor has the right to continue to report negatively
Consumer complaint received 2019-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

Hello. I am dealing with U.S Bank. Account : XXXX. HELOC. 
For 51 years I was never late on a payment ever. I have missed 8 payments on my US Bank HELOC.  I have never once heard once heard from US Bank about this loan. 
They finally sent a letter and the number that have typed on the letter is wrong. I did get the right number, but its not the right number. If you call this number you go through the prompts, all the verification ( or don't do any of that and just wait for an operator ) and you inevitably get to a 'technical difficulties ' voice followed by a dial tone. I would happy to share the recordings I have of these calls. 

I have talked to people on the phone, but I was actually told, there foreclosure dept does not take incoming calls. What are they all finishing that back 9 at XXXX? This has gone on for the last three weeks. To really try and get through, they list a fax number. A fax does pick up I have send two letters to US Bank, a complete application for financial assistance on or about XXXX. and two letters  to their lawyers and one tonight to their CEO. 

I have been told by the receptionist at the lawyer, XXXX XXXX XXXX, that they are waiting for a document from US Bank and will the day they get it. I ask it anyone has done any work on this and they say, " no, the file is open but they have not received anything from US Bank. They have had time to bill US Bank and US Bank has billed me {$1300.00}. On a XXXX loan where my overdue amount it maybe {$3500.00}. 

I have redone my primary mortgage with help from Hardest Hit,. Woud US Bank consider matching setting the next paymetnt date at XXXX and absorbing the payments to XXXX? I woud be grateful if you could, I will be working shortly but their are a lot of bills. XXXX XXXX will pay the current arrears if US Bank will match XXXX XXXX XXXX and give me breathing room until XX/XX/XXXX, when i will pick up payments. They can pay this immediately. But we can't find anyone about anything. 

If anyone calls in with our account number XXXX, they will find they have DELETED the account number.
Consumer complaint received 2023-06-12
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: TRANSWORLD SYSTEMS INC (VA)

The data for this account " TRANSWORLD ' appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I purchased a vehicle back in XXXX with financing through Credit Acceptance, I almost immediately after purchasing the vehicle that I was charged extra fees on top of what I was told was included in the contract .... The sales price of the car was XXXX but when I looked at the contract the sales price was XXXX. Also I was charged XXXX for a sevice warranty contract which I came to find out was never even activated by the dealership!! I reached out to the dealership to complain and also reached out to Credit Acceptance with no help from neither. I read online that Credit Acceptance has been sued for this exact reason and actions!!! I would like to file a complaint and see what course of action to take now that I have been taken advantage of