davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9100.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (GA)

Hello on my credit report it shows the original balance is {$10000.00} but on my contract when I bought the car it shows the original balance is {$10000.00}. XXXX you please help me get this removed from my credit report since its inaccurate. Thank you kindly
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My student loan was being serviced by the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My student loan was being serviced by the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.
Consumer complaint received 2019-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

I would like to submit a complaint regarding the unfair and abusive fees assessed to make a payment on the debt owed. The company is charging a {$5.00} fee to make a payment via debit or credit card. This fee is also assessed if making the payment for a medical debt via a health savings account. The fee is unreasonable as it does not reflect the cost to process a single credit card transaction, is not a fee associated with making the payment over the phone or for an expedited payment, and it is much higher than other merchants charge. I was only provided with an alternative to avoid the fee after I questioned why it would cost {$5.00} to pay my debt. After I refused to pay via credit card and accept the fee, the representative indicated that I could also pay by check to avoid the fee. I could still make the payment by phone but needed to provide full bank account details. Additionally, I would like to note when I was first contacted by the debt collector I was pressured to make a payment even though I stated multiple times that I did not know what the debt was and would like a debt validation letter.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc. (MI)

I paid Consumer Portfolio Servicing off in XXXX. I settled this account before the car was due to be paid off and they still have this reporting negatively on my credit report. It's showing that the account is closed, but they have it listed as a " Charge Off '' and it needs to be removed.
Consumer complaint received 2019-01-25
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. (CA)

When creditors pull my credit from Equifax ( or XXXX, but I'm making a separate complaint for XXXX ) they mark one of the reasons for denial as a " serious delinquency. '' There are NO delinquencies on my account ( charge-offs, bankruptcy, missed payments, etc. ) and this has been confirmed by : 1 ) me pulling my credit report directly from equifax 2 ) calling Equifax customer service multiple times ( most recent was XX/XX/2019 at XXXX PST ) Both myself and Equifax customer service looked at our most recent reports and have found NOTHING wrong with my credit profile. Equifax customer services tells me that my only way to fix this is to call the creditors ( XXXX XXXX and XXXX XXXX XXXX  ) and have them manually look at my credit report. I shouldn't have to do this. Credit reporting agencies are tasked with accurate storage, encryption, and relying data to the banks and somehow it's getting reported that I have a serious delinquency when that is not true. 

I want this fixed. I shouldn't have to call every creditor that pulls my Equifax report and explain to them that there's an error.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roycroft Management (TX)

XXXX XXXX is repeatedly calling my cellphone and the HR department of my employer attempting to collect a debt. Per my rights I requested they mail any information related to this to me so that I can review since they stated they had all my personal information. They refused to do so. They told the HR department that they are XXXX XXXX from XXXX XXXX XXXX   regarding a complaint against me # XXXX. After calling them back on XX/XX/XXXX to find out what they wanted they refused to send anything in writing and became aggressive and cussed at me saying not to call them back with this XXXX and that they no longer wanted to talk to me only to my supervisor. Transferred me to his manager XXXX XXXX. Ended up hanging up on me. I called back and told them not to call me or my employer again. Today is XX/XX/XXXX and I received two missed calls from them and they called the HR line again requesting to speak with my supervisor. I called the XXXX number back today XX/XX/XXXX around noon and ended up speaking to XXXX XXXX again and he insisted on me giving a statement of intent as he was investigating this for a client. I again asked to be mailed something regarding this issue and he refused saying he will not stop trying to reach my supervisor to talk some sense into me giving them some information since he had a papertrail of all of my private financial details. I mentioned to him that I dont know how he got any of my information since I dont know him or his company. He continued on about how this was a courtesy before taking next steps. Numbers contacted by them are ( XXXX ) XXXX and ( XXXX ) XXXX. I did an internet search on the internet and there are pages of accounts of the same type of scenario by many others posted on the web.
Consumer complaint received 2019-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

XXXX XXXX XXXX has me over 34 days past due is this is NOT true as my account is paid and up to date as of today XX/XX/2018. I have been working with them since XXXX and XXXX to bring my account current and they still have fees on my account. We currently have an agreed payment on file in the amount of {$540.00} vs {$590.00} which was put on my account by my account manager 3 years ago. I am sick of their illegal collection policies and practices.
Consumer complaint received 2019-01-25
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. (CT)

I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX  and Transunion ; and I'm assuming my XXXX as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX  dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
Consumer complaint received 2019-01-25
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. (LA)

I noticed an unauthorized hard inquiry conducted by the below agency : Institution Information : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I do not know who this agency is, nor did I authorize an credit inquiry.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I disputed 3 accounts {$600.00}, {$260.00}, {$3000.00} on XX/XX/2019 asking for proper validation ( a contract with my signature on it ) if not removed but rather they send updates and verifies but never provide me with nothing no paperwork, no method of verification nothing and accounts still on my credit report hurting my score.
Consumer complaint received 2019-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX has been attempting to contact me for a debt owed on my XXXX XXXX credit card for the past few weeks. However, they have been calling up to 7 times a day from an Unknown number, and have never left a message to identify themselves. On some days, they have called so many times in a row in such a short time, my phone has been allowing it to break through my Do Not Disturb mode as an emergency call. I work unusual hours, so they've been interrupting my sleep on several occasions. 

I only know it is them, because I have picked up the 'Unknown ' call on two occasions. Once, I hung up because nobody came on the line. The other time, I said that I would call back at a better time. Due to their frequent calls, I decided instead to collect logs and report them for their violations. 

Dates/times, per my phone logs : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX - Spoke to someone at this time, said I would call them back. 
XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX Also, a note : Even after speaking to someone at XXXX on XX/XX/XXXX and telling them I would call back, they proceeded to call 4 more times that day.
Consumer complaint received 2019-01-25
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: Bliksum, LLC (DE)

On XX/XX/2018 I had an installment loan show up on my credit report from XXXX  XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
Consumer complaint received 2019-01-25
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. (CA)

XXXX XXXX {$410.00} I've filed a dispute I believe it was fraud I didn't even live in the same state at that time I lived in California and it was an Arkansas that they were charging me for the light bill
Consumer complaint received 2018-03-02
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I paid {$1000.00} to a transport broker to pick up a XXXX XXXX in XXXX Tx and deliver it to XXXX Ca. I have a signed contract for the transport. The transporter could not deliver to the destination we agreed and I was forced to rent a XXXX trailer then drive to XXXX XXXX where I met the transport at a pilot truck stop. The driver said the car was low on the front end. After inspecting the car it was obvious the car had been damaged as it was sitting on the wheels. I asked him how he got the car on the transport and he just said he drove it. I had a friend with me and at XXXX on XX/XX/XXXX we watched the driver damage the vehicle, scrapping the undercariage and tearing off some hydraulic lines. There were puddles of hydraulic fluid under the transport and the car. I asked him what he was going to do about the damage and he said just note it on the bill of lading, which I did. The drive did not have the " origin '' side of the bill of lading filed out and there was nothing written anywhere on it. After I made comments about the damage he wrote some things on my copy however there was no witness signature. I contacted the merchants insurance company XXXX and after their investigation they determined there was {$1900.00} in body damage, no estimate yet on the suspension problem, and {$130.00} reimburse for the XXXX. The adjuster noted she was not sure why they did not deliver to the agreed upon destination in her correspondence to me. Their failure to deliver constitues a breach of contract and I disputed the {$1000.00} charge on my credit car for breach of contact and failure to provide the services i paid for. The credit card company is reviewing for the third time now. The first decision was the merchant had an appropriate authorization code. I told them I was not disputing and code I was disputing the fact they did not provide the services I paid for in addition to damaging my new vehicle. They denied it a second time for documentation. I sent copies of the contract with the merchant stating XXXX CA as the destination as well as XXXX contract, the bill of lading with my comments concerning the damage myself and XXXX XXXX watched the driver do to the vehicle, documents from the XXXX adjuster concerning their liability and she even states in one document she was not sure why the merchant did not deliver the car to the agreed upon destination. Everything was filed timely and with the appropriate departments. The credit card company is in the XXXX and they aren't able to understand what the issue is. The issue is I did not get what I paid for, as well as they damaged the vehicle in transport. They are currently reviewing the case for the third time and I do not think they have the ability to see the legality of the contracts and agreements that were made and broken according to us law. Please help, Thank You
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (AZ)

I received a call from Target asking if I was trying to make transactions XXXXXXXX XXXX XXXX and getting declined. I let her know at that time I live in XXXX Arizona and she said she was going to have to close my account and send me a new card. So as she was doing that I logged on to my Target account and and it wouldn't let ne get into my account. So I let the Target agent know. So said she would check into that also. She looked at my account and asked if if I had changed my information and ordered a new card and made a payment on my account of {$4600.00} XX/XX/year> I told her no. She said there was a payment made from a bank. She ask who I banked with and let her know XXXX XXXX  and XXXX and XXXX. She asked the last 4 digits of both my accounts and they did not match the payment. She she said my account was comprised and she was reporting everything and it would be forwarded to the fraud department. I informed the Target agent to clarify the actions that Target would be taking. She stated it would be reported I did not make that payment to my account, my login information was changed and no transactions were charged to the account .She said they were freezing my account online account until investigation has been done. I received a new card and tried to activate it and when I called they said Target closed my account for writing bad checks. And the next day I received that letter so called and informed them I was frauded and that was suppose to be fixed that I never made that payment. So the agent said she would put in a depute. XXXX XXXX XXXX I received a letter from the Dispute Resolution for Target Card Services stating I made the payment and changed my information and they declined my dispute. So on XXXX XXXX I call customer service and spoke to a agent in the fraud department and that said it wasn't put on the fraud dispute and it would be done. But when I called back they said it wasn't done again. And another department was investigating and I would be notified. I have had a Target Red Card and Target MasterCard for 9 years and never have written or given a bad payment. And I fell this was poor investigation and business act to accuse me of this act. I would like my account re and stated in good standing it was on all credit agency 's. And further more not following the credit card act.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is about BoA not living up to their promises, as usual. I contacted them by phone numerous times ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX ( supervisor ) on XX/XX/XXXX ) as well as through XXXX, to report on a late bill payment for which I was charged a late fee. XXXX opened a XXXX # XXXX on XX/XX/XXXX, When I spoke to XXXX on XX/XX/XXXX, she said that the request had been denied. When I asked why, she could not figure out then said that the case did not have the details. So, she re-created the case. Their Bill Payment message ( on their website ) indicates that delivery date is when the payee receives payment, and if they do not, then BoA is responsible for any late fees incurred. I was on a call with XXXX ( supervisor ) on XX/XX/XXXX. He said that the payment gets posted 1-2 days later, which directly contradicts what BoA states on your website. 

They owe the late payment fee to me which the payee has assessed on my account.