davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (SC)

I borrowed {$800.00} and have repaid $ XXXX+ yet this company claims I owe more than {$670.00} still. This is ridiculous! They do not respond to emails. Their chat feature never connects. They arent even located in the United States! 

I want my account marked PAID IN FULL/IN GOOD STANDING/CLOSED
Consumer complaint received 2021-09-15
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. (NE)

I was getting ready to file bankruptcy and the company didnt want to deal with the paperwork. Instead the lady here in XXXX Nebraska settled for {$20.00} and told me my item would be paid. At one time I did in fact have a letter stating this. However it has been more than seven years now so I have since shredded it. I have asked Experian to remove this creditor from my report as it is too old. They are falsely reporting info and have been sold numerous times so they do not have accurate info.
Consumer complaint received 2021-03-29
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. (IL)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
You must remove this account Immediately. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2024-02-24
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. (NY)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-07-18
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)

I'm waiting on the update from Experian, however, XXXX also did their research and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX and XXXX XXXX which was deleted on XXXX. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove the defamation of information.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

This vehicle was traded in for a new XXXX XXXX, also leased at XXXX XXXX of XXXX XXXX on or about XX/XX/XXXX. XXXX  XXXX requested the end of lease payoff amount to Southeast Toyota Finance and then send them a check for the amount requested, and the checks were cleared by Southeast Toyota Finance ( SETF ). 

On XX/XX/XXXX, I was contacted by SETF to inquire where was the vehicle, I explained that the vehicle was traded in last year, therefore I didn't had the vehicle on my possession, or had any knowledge of the vehicle whereabouts since it should have been turned in back to them by XXXX. 

I recently received a letter from SETF showing a charge of {$1700.00} for miscellaneous, which after calling them I couldn't obtain the detail of such charges ; I tried to resolve this in several instances and they ended reporting as a negative remark on my credit. 

On the XXXX side, I have an approach to Mr. XXXX XXXX, part of the management team at XXXX XXXX XXXX XXXX, who provided me copy of the agreement, and cancelled check, however he couldn't provide information when the car was actually returned to SETF, and why it wasn't turned in in a timely manner. to establish responsability. SETF did not posted the payment timely either, A XXXX report sent by Mr. XXXX it shows that the car was sold by SETF on XX/XX/XXXX, with a mileage of about XXXX miles ; when I turned the car at XXXX XXXX it only had about XXXX miles, this clearly demonstrate that the car was in use for all this time, without my knowledge. 

I have contacted XXXX  to initiate a dispute requesting them to change the damaging information on my credit, very damaging now that I am in the process of buying a new home, however it still in process.
Consumer complaint received 2017-08-07
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. (GA)

This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong to me.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

In XX/XX/2018, I ended my 15 year relationship with XXXX. A few years prior I had negotiated getting every channel for {$100.00} a month. When this offer ended I switched my service, and I wound up paying various amounts every month from XXXX to nearly XXXX a month. In XX/XX/2018 XXXX approximately ) I called XXXX to cancel my service, since I used to get every channel for {$100.00} a month and I was now paying almost 2.5x 's  more while getting far fewer channels. The lady I spoke with said she could put me back on the {$100.00} a month for every channel plan, so I agreed. About two weeks later I got a letter from XXXX telling me they wouldn't honor the deal I made with one of their representatives. They attached an agreement to this correspondence saying they could do it for {$150.00} a month, and they wanted my signature on the agreement. As soon as I was able XXXX a couple of days ) I took all the equipment in my housed brought it to the XXXX store nearest my house and cancelled my service. About a month later I received a bill from XXXX for termination fee. They have never stopped. 
Other than my I initially started my service with XXXX, I never signed an agreement with them. All deals were made over the phone, and I was never late nor ever missed a single payment. I don't owe XXXX anything. They broke the deal, not me. They then had the audacity to send this bogus charge off for debt collectors, who constantly harassed we and my family. Now they have sent a Major Derogatory alert to the credit bureaus, damaging my excellent credit rating that took me years to build. 
I owe XXXX nothing. I hope the CFPB can force XXXX and Convergent Outsourcing to retract the Major Derogatory from all the major credit bureaus, and once and for all cease and desist from harassing a former loyal customer just because that customer finally decided to end their association with their greedy corporation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX
Consumer complaint received 2023-01-31
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-08-11
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. (FL)

This vehicle was traded in for a new XXXX XXXX, also leased at XXXX XXXX XXXX  XXXX XXXX on or about XX/XX/XXXX. XXXX  XXXX requested the end of lease payoff amount to XXXX XXXX XXXX and then send them a check for the amount requested, and the checks were cleared by XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, I was contacted by SETF to inquire where was the vehicle, I explained that the vehicle was traded in last year, therefore I didn't had the vehicle on my possession, or had any knowledge of the vehicle whereabouts since it should have been turned in back to them by XXXX. 

I recently received a letter from XXXX showing a charge of {$1700.00} for miscellaneous, which after calling them I couldn't obtain the detail of such charges ; I tried to resolve this in several instances and they ended reporting as a negative remark on my credit. 

On the XXXX side, I have an approach to Mr. XXXX XXXX, part of the management team at XXXX XXXX XXXX XXXX, who provided me copy of the agreement, and cancelled check, however he couldn't provide information when the car was actually returned to XXXX, and why it wasn't turned in in a timely manner. to establish responsability. XXXX did not posted the payment timely either, A XXXX report sent by Mr. XXXX it shows that the car was sold by XXXX on XX/XX/XXXX, with a mileage of about 17K miles ; when I turned the car at XXXX XXXX it only had about 9k miles, this clearly demonstrate that the car was in use for all this time, without my knowledge. 

I have contacted Transunion to initiate a dispute requesting them to change the damaging information on my credit, very damaging now that I am in the process of buying a new home, however it still in process.
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (GA)

XX/XX/XXXX XXXX..I called American first finance to confirm the amount owed for furniture/oven ... .then I asked my concerning question..since you are automatically drafting my payment each month ..will my payments be equivalent to the amount owed..and the coustomer service rep..answered yes ...

Now I pulled my report and it states that I owe..what I started out with for both merchandise ... 1st total was $ XXXX..paid out {$840.00} 2nd total was $ XXXX..paid out XXXX 
Now it's back to the original amounts I financed ... this is robbery ... that's why I asked the rep would it be equivalent to the amount owed..I never missed a payment..please help
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In XXXX my credit score dropped a 100 points for no reason, I disputed this with the cfpb and it was corrected, within a week. Now in XXXX it dropped 105 points. Transunion have repeatedly done this to me over the last three years. I'm not for sure what is going on, either they purposely are doing this for their on own personal gain or there is fraud going on with my transuinon account. I have articles showing how Transunion has done this to many people.
Consumer complaint received 2023-01-31
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. (NC)

This is my XXXX 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 alleged fraud or extortion. 
XXXXXXXX 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 NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

On XXXX/XXXX/17 approximately at XXXX XXXX I received a call from Aargon agency regarding two accounts that they had of mine is from XXXX XXXX XXXX. I ca n't remember the young lady name on the other end of the phone but she was giving me a different amount than what I had on my credit report because of nonpayment. One account was for {$820.00} and other one was for {$400.00}. The lady on the phone with trying to con me out of the extra hundred and something dollars she said they were a {$62.00} and some change an extra {$42.00} and some change for the other account for nonpayment. I told her that I was not paying no extra money for the XXXX nor for the other account and the XXXX they wanted {$42.00} for the other account for nonpayment. I said I 'm not paying extra only what 's on my credit report she could take it or leave it. She told me that I could call back and she can get that amount waved. I feel like they where trying to take advantage of me. Both of these account has been paid thru XXXX XXXX, I spoke with XXXX XXXX to get these two account off my credit report so I can go head and put XXXX XXXX, But Until AARGON AGENCY Removes this from my credit report, I can not get Power in my name until Aargon AGENCY Removes this from my credit report. I have both confirmation Number from XXXX XXXX.
# XXXX  {$820.00} # XXXX {$400.00}
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla (WA)

The Walla Walla Collection Bureau keeps trying to garnish my husband for an account that was already paid for. This has been ongoing for at least 5 years. We fight with them about debts that have been paid and they re ask for payment. This time I was fed up and took them to court, the judge ruled in our favor and dismissed the garnishment and account. The collection agency has NOT been reporting anything OTHER than it is still OWING. I am getting frustrated because we are tying to buy a home and these people keep reporting negative. I have a ton of documents proving they had already garnished him and things have been paid. The account I need them to take off is for a XXXX for XXXX. This is the debt we need taken care off.
Consumer complaint received 2023-01-31
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2020-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc (MS)

I received a PayPal prepay card and loaded money onto the card. After making a few purchases I started having trouble sending money. The next morning I received a message about my account being blocked. And they were holding my money for 180 days. 
I have called numerous times and only get an automated answer about their call support center be closed due to COVID-19. It has taken me all day repeated to even get someone to message me back. 
Then I get the run around and sent to someone else who half the time ends the conversation before I can answer. I have asked to be co tacted my someone with more authority and they tell me to call customer service. I have explained to them that the call center is closed and they tell me to wait a few more days. 
I prepaid this money onto my PayPal and now they refuse to allow me any a cross to it or even speak to me about it.
Consumer complaint received 2023-01-31
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2020-05-04
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I was looking at my credit report after a recent divorce and saw some items I did not give the credit reporting agency permission to share. Also since the divorce my address has changed and I need it updated asap. There have been issues wih my ex and I am addressing all things at this time. Please see my request attached