davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2021-02-05
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: Adler Wallach & Associates, Inc. (CA)

XXXX AND XXXX are both reporting publishing and disseminating false and misleading and damaging information about me. 
AWA COLLECTIONS, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX XXXX committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by XXXX XXXX
Consumer complaint received 2019-08-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-12
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. (TX)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX, XXXX XXXXE,
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

AMEX Debt Collector calling me daily for over a month ( XX/XX/XXXX- XX/XX/2022 ) about my employee 's personal debt. Asks me to contact her, tell her to call them back. 

Leaves a voicemail with this callback information ( XXXX ref # XXXX ). 

I told them many times not to contact me anymore, that I will not speak to my employee about the debt. They keep calling and harassing me. 

It is not my debt and not my company 's debt.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (NV)

i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NV)

On XX/XX/XXXX I called to ask about a confirmation of payment for debt and I asked where they going to remove it and he told me no because the account is now closed and they cant do it. However, I keep getting the run around with this company. When I was trying to dispute the debt I had a lady laugh in my face and told me duh stupid this is the debt you owe and what are you talking about and hung up on me. I call again and I get another person stating that cant help me in regards to disputing my debt at first and then if I pay how they can take it off and they tell me they cant take it off. Another time I call, I asked about how they can take payment and the lady couldnt help me with the online payment website and told me there was nothing I can do. I have asked several times through different people about getting it removed and no one told me they could help me do it through their office. Then the last time I call they tell me I shouldve done it through their office and when asking for help I didnt get that.
Consumer complaint received 2021-12-02
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CT)

LCalled looking to get information on 90 day interest free promotion that expire XX/XX/XXXX on my loan. Immediately the rep started implying about late payments and by XX/XX/XXXX they would attach XXXX dollars to my loan!! which is bizarre illegal and she simply lied about my account being late because they EFT my bank account every other week. Csr then places me on hold for 30mins. She then switch story and tells me if full payment not made by XX/XX/XXXX then 90 day promotion is null and will still attach XXXX interest fees to account she was talking over me wouldn't allow me to speak was very rude wouldnt let me speak to a manager. Nowhere in contract it says anything this csr was saying over phone. 

Interest free means nothing goes towards interest for 90 days. You will immediately start to take interest after promotion expires moving forward. 
This company dishonest crooks does subprime and goes against FTC. 

They never report all my payments to credit bureau.
Consumer complaint received 2020-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

XX/XX/XXXX, {$950.00}. 
XX/XX/XXXX {$620.00} I was not notified no this debt is affecting my credit and Im living with my mom and cant get a mortgage. I reached out and they were not helpful.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN INTERNET MORTGAGE (CA)

Good afternoon, I own several rental properties and I decided to go into forbearance on 4 loans with AimLoan.com. This was for XXXX, XXXX and XX/XX/2020. I called the company in early XXXX to let them know I would like to end forbearance and have the payments deferred to the end of mortgage period. The company agreed. I did receive one payment deferral agreement about a month later. I have been waiting for 4 months for them to provide the agreements on the other three loans. I have paid all 4 mortgage payments ( current ) for XXXX, XXXX, XXXX and XXXX. I contacted XX/XX/XXXX about a month ago to help. They have been in contact with Aimloan.com but I have not received any agreements as of today XXXX XX/XX/XXXX ). My credit has been affected as it still shows me in forbearance. I am not able to refinance or purchase any property. I have personally called at least 6 or 7 times and I have asked politely to move the process forward, but I get alot of double talk. In addition to all this, Aimloan.com initially placed a 90 day late on my credit report which according to the Cares Act, they should not have done. This affected my credit and caused significant problems. They did eventually fix this, but have not performed on the 3 payment deferral agreements. Thanks in advance for any help you can provide.
Consumer complaint received 2018-12-04
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. (OK)

My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.
Consumer complaint received 2022-04-27
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without written instructions
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (MD)

NCB Management keeps calling my phone and they have placed a collection on my account. The phone calls are everyday and my voicemail is always alerting me they have provided no proof of this debt and now they put a collection onto my credit report has really hurt my score I was in the process of trying to buy a house and out the blue here they come.
Consumer complaint received 2019-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

In XX/XX/XXXX/XX/XX/XXXX of this year, I realized I could not pay the full amounts on the payments for my student loans. I applied for a PAYE arrangement and it seemed that it was granted, but the past-due balance was not updated or changed to reflect my new arrangements. I have been making monthly payments; the most that I can afford, but now I'm told that my account is delinquent.
Consumer complaint received 2018-07-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

My wife and I has a balance left over on our auto loan with GM Financial at the end of our contract. We resolved the balance with their attorney : XXXX XXXX XXXX, but GM Financial refuses to update our account properly at XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the letters from their attorney, which states we resolved the debt. We just don't understand why GM Financial continues to tell the credit bureaus we owe them money.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

An account for Citibank was opened through the website for a checking account. Terms and conditions have been met. Citibank has not refused to honor their website promotion and claims to have no knowledge of promotion code even though their promotion code was pre-filled on their website. Citibank has not declined to honor their promotion. I attempted to resolve issue with bank but they refused to honor their promotion. Promotion was for {$500.00} and they are only willing to pay {$300.00}.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I recently moved to Florida and was told by Toyota Financial services that to purchase my leased vehicle I would need to complete the transaction with a dealership. I visited XXXX XXXX in XXXX, FL and was told that I would need to pay a vehicle inspection fee of {$200.00} and a dealer fee of {$1000.00} plus tax, tags, and title in addition to whatever my lease buyout with Toyota Financial Services is. I was also told that I can not use my own financial company for the payoff. None of these fees are mentioned in my lease agreement with Toyota Financial Services.
Consumer complaint received 2018-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (IL)

Received paperwork that stated I have been summoned to court due to not paying a student loan opened in 2004. I do not recall every taking out a loan for this. I've never received anything in the mail requesting payment. I've checked my credit report, and it's not on there.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My husband and I are currently on unemployment ; it is our only source of income. I withdrew {$1400.00} from both of our unemployment debit cards around XXXX on XX/XX/2021, at our local Bank of America branch, located at XXXX XXXX XXXX XXXX in XXXX, AZ. When I attempted to deposit that amount into our joint checking account, the ATM took our money, didn't deposit it, and gave us a slip with a number to call. 

I called Bank of America, after going to the branch and being directed to call that same day. Upon calling, they said they would credit our account within 48 hours. Again, this is our only source of income for our family of 4, with two small children under 4. I said this was unacceptable, we need this money to survive, your ATM took our money, put the money in our account immediately. They said they " escalated '' the matter, and that a manager would call back within 10 minutes. It's currently XXXX on the XXXX of XXXX, 2021, and no call has occurred nor money credited to our account. 

I've come back to this on XXXX of XXXX, around XXXX local time in XXXX and our account has yet to be credited. I called again, and Bank of America is now saying that we need to wait TEN MORE DAYS for them to conduct an " investigation '' to prove that they stole our money. They also " denied '' our attempt to escalate our claim. Again, this is the money we need to feed and clothe our children. We CAN NOT wait 10 days to have our money back. We're desperate.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (FL)

I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning theres a problem and he can not move further with my application. He mentioned EOS CCA  is a new account and I have to fix this problem. There is an account listed on my credit report that just popped up under EOS CCA collecting for a company called XXXX XXXX for {$380.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANCIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called EOS CCA. All this happened under 30 days ( see attached screenshots ) so how would EOS send me a right to dispute or explain my rights. The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, XXXX of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice.
Consumer complaint received 2019-08-16
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. (MA)

Hi , I have apply for an apartment where my application got reject . I disputed the errors on my report in which I was still reject following they didn’t update the correct results . They have the proper paperwork to see the account is paid along with a landlord reference from the property in which they are refusing to acknowledge. Also the accounts they are reporting are not  accurate .  I called asking why my application was rejected resulting in a paid account . I was told the credit  company didn’t report it as paid although they have the proper documentation that it is in fact paid in full . The credit company has two parts credit and rent based on which everything came back paid and in good standing on the rent part . That part should reflect my application status. The XXXX XXXX  received all this information and still rejected me based on unpaid account in which it is paid .
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I was making payment to them, but it wasn't fast enough for them. They closed the account and sent it to collection. Which I tried to pay but the collection company sent me back the check The credit card company after sending it to collection, has now sent me a bill for an additional fee, and a note that my line of credit is {$5000.00}. 
As well as the collection agency is charging me interest after I paid the bill.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CT)

XX/XX/XXXX On XX/XX/XXXX, I received a notice by email from American Express about a reduction to my credit limit. The reduction was from {$9500.00} to {$4500.00}. This left me approximately {$130.00} dollars of available credit. Since I never missed a payment or was ever late with my payments I thought there was some mistake. I thought this happened to those with payment issues only. I have been with AMEX for over 25 years and never had incident. I called them up and spoke to customer service. He informed me on XX/XX/XXXX my credit report from XXXX was reviewed and the score was XXXX. In checking XXXX rating scale this falls under good. Still he stated because there was revolving debt mostly from the personal financing of our business, they decided to reduce my credit by 50 %. He said making minimum payments was not sufficiently reducing the debt. Attached I have three statements for the last year since XX/XX/XXXX. My balance then was {$4900.00}. In XX/XX/XXXX a payment of {$400.00} dollars was made reducing the balance to {$4500.00}. By XX/XX/XXXX the balance was down to {$4200.00} respectively. The difference is approximately close to {$700.00} dollars. In addition, if minimum payments are an issue to AMEX then why have a card that allows them as most cards do. He went on to tell me I had options, one option was to make a {$2000.00} dollar  payment by XX/XX/XXXX. This would ensure restoration of the credit line. The second option was to send AMEX tax documents and bank statements to review for a possible appeal. If satisfied a decision could be made to restore my credit. At that point I felt something was not right. I knew credit reports are generally used for credit cards and supplying a credit card with such documentation without consulting someone was not a good idea. Especially, when there was no justifiable reason for such a drastic reduction or measure. I have never heard of such despicable and abusive behavior from a company. 
Though I have no problem supplying documents, I do believe this can lead to further abuse and unchallenged unfair practices from AMEX and others that follow in their steps. This in addition to the potential harm it can do to my credit file. I would like to know if this is considered normal practices from a credit card. According to your website this kind of transgression is not unusual for AMEX. It seems there are illegalities that they have been cited for. I would ask that your agency please follow-up on this situation. 

Thank You, XXXX XXXX