davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: American Credit Acceptance, LLC (CA)

IN XX/XX/2020 AMERICAN CREDIT ACCEPTANCE CHARGED OFF MY LOAN WITH A BALANCE OWEING {$9500.00}. Since then I have paid off the balance and over {$2000.00} more since they say that there are interest charges. I recently found out that after a vehicle is charged off, it STOPS occuring interest. I have also provided them with my bank statements, receipts and their confirmation emails of all payments made since the charge off and, they still haven't sent the title to my car, but instead, they sent it out for repossession.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from XXXX  and nothing from XXXX  or experian about these accounts.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (CT)

My lease terminated at the end of XXXX and then I purchased the vehicle. During the second week ofXX/XX/XXXX, usbank sent me a billing statement with an amount due of {$490.00}. I was expecting this bill as I knew usbank recently paid the property tax for this vehicle. I attempted to pay this bill via the usbank app and by accessing my account via the bank 's website. However, these efforts both failed because my account was no longer active. I then called usbank twice and spoke with four different reps. The fourth rep, which was from the collections department, stated that I had to mail in my payment and that there was no other way that I could pay. Although this is not a regulatory violation, it is annoying that I have to mail a paper check. I am shocked that a {$440.00} billion asset bank can not accept an electronic payment. For the past three years, I made lease payments via the usbank website or the bank 's app. Lastly, my account is not currently past due as the payment due date is XX/XX/XXXX ; however, it is poor taste for usbank to send me to " early stage collections '' where the rep read me the mini-Miranda disclosure and explained that she was attempting to collect a debt.
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.
Consumer complaint received 2017-09-16
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 submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.
Consumer complaint received 2020-10-23
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: Santander Consumer USA Holdings Inc. (CT)

I have or had '' a 100 % payment history, due to the Santander Lawsuit outcome. Chrysler Capitol is now sabotaging my existing credit loan they are claiming a late payment of 40 days which is incorrect. Due to the pandemic I thought financial companies were suppose to be more understanding not '' stand off-ish '' towards consumers with an excellent payment history. I've have my loan for almost 18 months with missing a payment. I called the company twice  on Thursday XX/XX/XXXX. The first representative told me flat out that they can not remove my late payment, which is false. I called again the second representative was very helpful in removing and addition charges attached to my next payment. She sais she was going to put in my request, which was a whole lot more than the first representative would do. I also wrote a formal goodwill letter to try to fix my credit score and remove the late payment. I am trying to  refinance the vehicle and move on from the subprime loan that I have with my current vehicle.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (GA)

Called to cancel my American Express card. Was told by the representative that my annual fee would be waived if I cancelled, but then was informed that I would lose my companion passes if I did so. So, I did not cancel at that time XXXX read : he was able to " save the account '' ). Then, when I called to cancel today, I was informed that I was one day outside of my window and I would be required to pay the fee. When I was on the phone with the first representative, he never informed me that I had a specific window to close the account without penalty. I am convinced he did so to save his numbers and not get dinged for a lost card.
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The XXXX breach and my info may have been tampered with and used by an unknown person.
Consumer complaint received 2017-09-16
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. (MS)

Equifax is reporting an account with XXXX XXXX that 's not even suppose to be mine or on my report period. I spoke with XXXX XXXX XXXX and I do not have an account with them
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

I was supposed to get cash rewards for credit card points. I clicked an option to collect my cash rewards and signed up to have them transfered to my checking account. I was told it would take 7-10 business days. After a month, I still never received the reward. I called and they told me there was a system error and they are manually giving out the rewards. I never received an email, letter, or phone call about this. However, if I was late to make a payment they would not hesitate to charge me a late fee. However, they make me wait over a month to redeem my rewards and then dont even tell me about the system error.
Consumer complaint received 2017-07-26
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. (MS)

I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXXwhich is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both accounts had combined payments through XXXX XXXX. Also, how can the months of XX/XX/XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-12
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: EQUIFAX, INC. (DE)

I have disputed this with XXXX XXXX XXXX XXXX XXXX requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. XXXX XXXX XXXX XXXX XXXX requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.
Consumer complaint received 2021-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have disputed this with R XXXX XXXX and Associates requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. XXXX XXXX XXXX XXXX XXXX requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (PA)

M & T Bank authorized without notification a fraudulent ach transfer from XXXX in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified M & T Bank. M & T Bank informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX  for XXXX   XXXX, which is when I noticed the fraudulent charge. M & T claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. Contacted Attorney General, State reps, and personal attorney. Causing extreme mental and emotional anguish. Police contacted for a wellness check. M & T Bank claims they are unable to reach anyone at XXXX. XXXX claims M & T Bank has no record of contact. Faxed information to XXXX on XX/XX/20. Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.
Consumer complaint received 2017-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

Today, XXXX XXXX I made a transfer to a friend in the XXXX. I selected using my BANK account linked into PayPal.
Upon entering the information, my screen cleared and I got a blue bar with " Send Money Now '' to send the money to my friend.
NOTHING told me that they switched from my BANK, which is clearly marked as my 'Preferred Funding ' [ and verified by the customer service persons ] over to my backup credit card. By doing so they raised their fee from XXXX to XXXX ... plus an additional 3 % onto my CC as a 'foreign transaction '.
Going round and round with the PayPal reps, all of whom simply said that " that 's how the systems is set up '' and while they can not tell me why it happened, there is also " NOTHING THEY CAN DO '' to correct the 'error ' on my situation.
If this is so, then they are also ripping off other users with switching to a more expensive funding source, seemingly at whim.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my 2nd 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 records 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 an alleged fraud or extortion. 




XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: Flagstar Bank, N.A. (MI)

This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to Flagstar. I feel there is some kind of fraud at play. This company and Flagstar are reporting the same loan on my credit report and this company balance is incorrect.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I was charged {$790.00} for my mortgage payment instead of the usual {$620.00} with NO notification whether by email or mail. 
XXXX bill shows {$1200.00} due. Website shows the amount due is {$1500.00}. Which is which? 
Customer service advised an escrow analysis had been performed. I was NOT notified. 
Result is a shortage in my escrow. I was NOT notified, nor given an opportunity to repay it. I was just charged with NO notice of any changes to the payment. 
No escrow documents available on website since XX/XX/2020. Rep Informed the website down for 2.5 weeks! NO updates are showing up. 
I am unable to pay escrow shortage of {$1900.00} as it doesn't show anywhere on the website. 
Rep advised that the escrow '' cushion '' formula had been affected by the increase and causing an additional amount being due for the cushion.
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (SC)

I pulled up my personal credit file and discovered an item being reported as in collections. Filed a dispute with the credit bureau as I have no knowledge of this debt nor have I received any formal communication from nither the creditor and/or the debt collection agency. 

Have never contracted with the creditor XXXX XXXX XXXX for any TV services.
Consumer complaint received 2021-08-15
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: Resurgent Capital Services L.P. (AL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I have attempted several times in past week - XXXX XXXX to freeze my credit with equifax continuous ERRORS after several screens others XXXX and XXXX also want to charge me even though XXXX million of us were hacked time to step up and make them FREEZE OUR ACCOUNTS NOW - cost {$0.00}