davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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. (NY)

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (TX)

I was notified in XXXX if 2021 that a credit card had been opened in my name. I never applied for it, and have since been attempting to close it with no success.I called several times and explained that it was fraud, but since the card was opened in my maiden name ( which I have not used in more than 15 years ) I was not able to provide vailed enough proof that this was not me who opened the card.
Consumer complaint received 2022-03-06
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. (FL)

Transunion is repeatedly in violation of my FCRA Rights. For years I've submitted proof that XXXX reporting of my credit data was incorrect. After I advise I would make a formal complaint XXXX falsified a letter they stated they sent me to a wrong address to prove compliance with Texas repossession laws. It was falsified and produced 4 years after I started complaining. XXXX sent documents that my balance was approximately {$8000.00} then it went to {$21000.00} after I started writing letters, then it was went to XXXX then {$13000.00}. Then {$16000.00} approximately. How is it a vehicle that was paid on for over 1 year with a down payment, that was sold at auction, received full federal tax write off still reports still owes over 70 %. XXXX is a predatory lender and should be investigated as such
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I sent a letter asking transition to enclose a method of verification regarding an alleged bankruptcy. On XX/XX/XXXX transition replied stating the item verified as accurate but not by who. On XX/XX/XXXX I sent another letter asking for another method of verification as they had not done so already. On XX/XX/XXXX XXXX sent me a letter stating the bankruptcy court verified the item. On XX/XX/XXXX I sent another letter stating the item in question needs to be deleted as they had verified it inaccurately. On XX/XX/XXXX they sent me a response letter stating it was still verified as accurate. On XX/XX/XXXX I sent a letter with an enclosed letter from the bankruptcy court stating they do not verify items with credit bureaus. XXXX has yet to respond to my requests after the letter was sent certified.
Consumer complaint received 2022-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage company allowed my home owner insurance to laps. 
Because they did not pay the policy on time My contract said they are responsible for paying my insurance and taxes on my home through an escrow account. 
I called them immediately after I was notified by my agent and they assured me they will take care of it. 
Now, they are telling me I need to go out and find new insurance. 
I had a great company for my insurance It is hard now to find insurance in Florida. 
This is not my fault, my mortgage payment is in excellent standing.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (CA)

I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by Real -Time Resolutions, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a 1995 XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. 

In a response from Real time stating that they purchased the loan from XXXX for whom acquired the loan from XXXX XXXX. 

These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX  to XXXX XXXX XXXX XXXX to XXXX XXXX, to XXXX XXXX  to XXXX XXXX etc. I currently pay XXXX XXXX   and on an outstanding debt close to the same amount monthly. 

My issue is how can a company release a vehicle with suht an outstanding balance. 
Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of XXXX   years. 

Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. 






















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Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Hello To Whom It May Concern, On XX/XX/2018, I was at the Chase ATM in XXXX, IL. I made a deposit of {$410.00} into the ATM as the deposit was processing a spinning circle appeared on the screen. I called the customer service representative to be advised of the next steps that needed to be taken. They ask me what was the last digits on the ATM card I replied to the representative and told them I don't know because the card was in the machine and I will need to remove the card. I remove the card the ATM rebooted and the funds did not appear in my account. I re-entered my card to check the balance and funds wasn't on there. The Representative then requested me to give the increments of the cash that was placed in the ATM 2- {$100.00}, 1- {$50.00}, 7- {$20.00}, 1- {$10.00}, and 10- {$1.00} bills. I asked if I needed to make a police report and they told me no. I went to the branch and also went back and forward with the claims department for 14 days to find out today on XX/XX/18 that I will need a police report to have them review the cameras at the ATM because of the system isn't showing any missing deposits and the claim was closed. I went to the police station to file a report the officer stated it's not a crime no need to file a report. I'm all out of answers and keep hitting dead ends. This is my last result hopefully this would make them look at the tape from the ATM. I filed a previous report here and seen that it had the wrong date. So this is my second complaint about the same issues that occurred on XX/XX/18 around XXXX.
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NV)

I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I paid off my credit balances of two credit cards with Chase bank. After I paid the credit cards off, and with a stellar 25 year history with Chase, they did a " business review '' of my accounts and cut my credit limits in half. Although they can cut my credit limits in half without any " hard '' credit pull, they are now telling me that in order to reinstate my credit limits to the limits that I have had for more than 10 years, they will need to do a " hard '' credit pull. So, now I am in a position where either way my credit score will be affected. I can have them do a " hard '' credit pull to reevaluate my credit limits, or I can leave the limits where they are and have my credit score affected by that. This is a pattern and practice for Chase because when I paid off one of the credit cards the last time, upon pay off to XXXX  Chase sliced my credit limit on that card from {$26000.00} to {$10000.00}. This is unfairly negatively affecting my credit score.
Consumer complaint received 2022-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

XXXX On XX/XX/2022, I received a bill for XXXX XXXX provided from out of network provider ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) which was used by my in-network doctor. My insurance company, XXXX XXXX XXXX paid the out-of-network XXXX service base on their pricing schedule. However, the XXXX provider stated that the payment was too low and sent me a bill requesting an additional {$350.00} bill. 
XXXX XX/XX/2022, I called the billing department of the XXXX and also contacted XXXX. XXXX stated that they will send the provider a letter explaining that what paid to them was fail and ask them to stop billing me. 
XXXX XX/XX/2022, I received the second bill for the same amount. Accordingly, I contacted XXXX again and requested a review for the payment and services. 
XXXX XX/XX/2022, I received the letter from XXXX regarding my review request and again it confirmed that I should not be billed for any extra. I submitted a copy to the provider who told me that they are not satisfied with this and they continued asking me to pay the extra {$350.00}. I requested for the to give me additional XXXX to proceed with a personal appeal with XXXX XXXX XXXX but they refused. 
XXXX XX/XX/2022, I received a confirmation from XXXX and a new EOB where XXXX approved my appeal and paid the provider an additional {$210.00}. I contacted the provided with the new payment information but they informed me that my balance was sent to a collection agency and they have nothing to do for me. They also provided me with the collection agency information. 
XXXX XX/XX/2022, On the same day, I Contacted the collection agency, tsi ,  and they told me that they put a freeze for the collection until they verified the charges. 
XXXX XX/XX/2022, I received a letter from tsi showing my account and still not showing the additional payment XXXX made on XX/XX/2022 and kept asking me to pay the debt.
Consumer complaint received 2022-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NM)

I paid off my Auto loan and Wells Fargo sent me a title with misspell owner name and address on the auto title. XXXX told me unless this is corrected by Wells Fargo I do not own the vehicle.
Consumer complaint received 2022-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC (KY)

During my visit with XXXX XXXX XXXX XXXX XXXX in XXXX, OH 2021. I approached them about a dental service that was going to be out of pocket costing {$500.00}. At that time, the company was owned by both XXXX XXXX XXXX then sometime during 2021, both owners decided to part ways without my knowledge and any notification that the remaining balance will be sent to collections. Unfortunately, the company did not do proper due diligence by asking current patients to pay any outstanding debt before their split. My service was transitioned to XXXX XXXX group which I continued to work with but my debt was with XXXX who was never my dentist XXXX XXXX was my dentist ) - Now due to this action, the debt owed was sent to collections without any attempt to collect the unpaid money from the patient. 

I am disputing that my debt was never was supposed to be sent to collection because I was never asked to pay the remaining balance as I was still working with the dentist so I had every intention to pay. I am requesting the cancellation of this matter.
Consumer complaint received 2022-03-06
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. (AZ)

On XXXX we received an email from our Credit monitoring service that an account with XXXX Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for XXXX to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year
Consumer complaint received 2018-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC (UT)

I've applied for and received a personal loan in a small amount. I was employed at the time and and was making payments. However I unexpectedly lost my job and currently unable to make payments. I have let multiple staff know and informed them I am working with a debt consolidator to help me pay off my debt. This company refuses to take the information and are now harassing me, calling repeatedly, late hours of the night, calling EVERYDAY! they call from local numbers and unavailable numbers. I have already made a complaint to the main call center, but nothing has been done
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUSTMARK CORPORATION (MS)

Trustmark Bank is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called XXXX and XXXX in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. Trustmark currently has a lawsuit against them relates to outrageous overdraft fees!
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (NY)

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (AZ)

On XXXX we received an email from our Credit monitoring service that an account with PNC Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for PNC to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year
Consumer complaint received 2022-01-09
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. (NY)

Hello I am having a few issues with XXXX, XXXX, and Experian. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank, 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 2022-06-16
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2018-05-18
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. (MA)

I am a victim of fraud & identity theft. I contacted XXXX  and Experian TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXXXXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a zero balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2020-12-15
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (WA)

XXXX XXXX removed late payment history and late payment information on a closed account over 7 years ago. I have repeatedly provided the credit reporting agency with my copy from XXXX XXXX stating they were removing the late payments. I have been on the phone with the credit reporting agency in XXXX and XX/XX/XXXX and also providing written disputes via their websites during the months of XXXX and XXXX and the information in error is still on my reports. XXXX has still not removed the history of XXXX and equifax removed an XXXX but still have an XX/XX/XXXX which is supposed to be removed from the history payments along with any notification of late payments I have also attached a copy of the letter from XXXX XXXX dtd XX/XX/XXXX that they were removing all late payment information from my account both history and written