davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On ( XX/XX/XXXX ), I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXXL XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  XXXX BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NM)

I received a letter dated XX/XX/2020 from Medicredit for the amount of {$1000.00}. Within 30 days, on XX/XX/2020 the letter I sent back to verify my debt was received by certified mail by Medicredit. I have not received verification of this debt but on XX/XX/2020 two accounts from Medicredit showed up on my credit report one for {$740.00} and one for {$180.00}. If this is part of the letter I received for {$1000.00} I never received a verification letter back from Medicredit therefore it should not be reported. If this is for something else it is fraudulent and I never received a letter for it.
Consumer complaint received 2020-10-31
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. (TX)

whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On ( XX/XX/XXXX ), I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX TRANS UNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. 

Roughly 5 months later I received notice for the first time from XXXX that there was a balance due on the loan previously protected in the Chapter XXXX filing. 

Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. XXXX reversed this " cram down '' after my Bankruptcy dismissed. 

Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. 

After doing so, XXXX has consistently reported erroneous information on my credit reports. 

Currently, on my Experian report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

This account was settled and legally paid in full in XX/XX/XXXX. 

I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by XXXX on my credit report. I became aware of the debt in XXXX of XXXX and immediately settled it once I became aware that it was due. 

For the past two years I have gone back and forth with XXXX disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit.
Consumer complaint received 2020-10-31
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 — Investigation took more than 30 days
Company: NATIONWIDE ACCEPTANCE LLC (AZ)

In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. 

Roughly 5 months later I received notice for the first time from Nationwide that there was a balance due on the loan previously protected in the Chapter XXXX filing. 

Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. Nationwide reversed this " cram down '' after my Bankruptcy dismissed. 

Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. 

After doing so, Nationwide has consistently reported erroneous information on my credit reports. 

Currently, on my XXXX  report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

This account was settled and legally paid in full in XX/XX/XXXX. 

I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by Nationwide on my credit report. I became aware of the debt in XXXX of XXXX and immediately settled it once I became aware that it was due. 

For the past two years I have gone back and forth with Nationwide disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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 2020-11-16
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: SYNCHRONY FINANCIAL (AZ)

My complaint is regarding Care Credit MasterCard. 

In XX/XX/2020 I received a promotional offer from them to have charges of {$200.00} or more interest free if paid off within twelve months. On XX/XX/2020, I placed a charge of {$200.00} on the card. My statement arrived, and it says a minimum of {$29.00} is due. This minimum payment amount makes it mandatory to pay the balance ( except for {$.00} ) in seven months.Therefore the twelve months interest free promotion is a deception. In fact, the promotional balance would not be effective for a charge under {$340.00}. This company is fraudulently representing the amount that needs to be charged to take advance of their " interest deferred '' promotional claim. 

Had I known of this deceptive practice, I could have put the charge on a better card and at least gotten points that I could use.
Consumer complaint received 2020-07-22
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.
Consumer complaint received 2020-10-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint through a letter way back on XX/XX/XXXX about inquiries that I did not authorize that are showing on my credit report I made it respectful request into the investigation and I have not heard anything back it has been over 30 days. I also followed up with a 30-day demand letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX and I still haven't heard anything has been verified deliver by the tracking number on the letter attached to this complaint.
Consumer complaint received 2017-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am reporting predatory loan practices from AES/PHEAA. I am the cosigner on my son 's student loans through AES/PHEAA in Pennsylvania. The school XXXX was attending was XXXX College. He has paying on his loans for several years, I believe since 2009 ( although sometimes late but the late fees are typically less than {$5.00} ). There are two loans and AES is showing them both current but PHEAA is  saying he is {$600.00} in arrears and they will garnish his wages at the end of this month. I believe that someone at AES is either misapplying the payments or worse, pocketing them into their own account. The reason I believe this is that the original loan amounts were {$4700.00} and {$5300.00} but have only gone down to {$4300.00} and {$4800.00} after all these years. They also turned us in to a credit agency and my credit score was lowered due to AES 's improper accounting.
Consumer complaint received 2017-12-11
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. (MA)

I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Thank you
Consumer complaint received 2023-01-11
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. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (TX)

Regional Finance XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX I paid the company off in 2015, and they still have a judgement on my property, and my bank refused to give me a loan to fix my leaking roof, until Regional Finance, issues a release of judgement off my property. I am a XXXX year old XXXX senior citizen, and I need my leaking roof repaired ASAP. This has been an ongoing battle for the last few months. Please help me.
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (CO)

I received a letter dated XX/XX/21 on XX/XX/21. This is part of a workman 's comp which was taken care of. Professional Finance Company called me on the day I received the letter and on XX/XX/21. I did not have time yet to send a dispute letter. They are suppose to give me 30 days under the FDCPA.
Consumer complaint received 2020-08-31
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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I filed a dispute to validate the accounts on my credit report. It has been over 30 days and I have not received any investigation results to validate this debt. This account was sold/transferred, and I am no longer responsible for the account. There was NO written agreement, signature, or contract with this company. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to FCRA, ARS has violated my rights. I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (IL)

ABC financial XXXX XXXX XXXX XXXX is charging me for services I never received from XXXX XXXX. This account is 3 years old. First I was charged {$400.00} XX/XX/2018. For a membership I did not receive. Now They want to charge me {$800.00}. The gym was XXXX XXXX   XXXX XXXX XXXX. XXXX, Il. XXXX. Both parties refuse to talk.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Original account with XXXX  XXXX XXXX is not showing on my credit report. I begin this account with XXXX XXXX XXXX XX/XX/2016. When the contract was amended my original balance reporting to credit bureaus changed which I dont understand why that would have changed if I was only changing the payment to monthly instead of biweekly. In front of my original account number they added 1A and closed the original account, but failed to report the original data. Instead XXXX XXXX XXXX begin reporting the amended contract and stopped reporting the original contract.
Consumer complaint received 2017-12-11
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: Leedom Management Group, Inc. (GA)

I bought a car in XX/XX/XXXX from a company called XXXX.in XXXX, Ga and paid it out in XX/XX/XXXX., so XX/XX/XXXX XXXX was bought out by a company called XXXX XXXX XXXX in XXXX , fla . so XXXX XXXX XXXX says in order to get the title I have to pay them {$1400.00} for the title because I leased the car from XXXX., so they want to charge me what they called resiual fees. there phone number is XXXX customer services. XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NY)

I was behind with the payments, and in XXXX of XXXX i made one payment and i explained when i will make the other payments, and yesterday my car was parked on the street, and when i saw the towing guy took my car, and i said pls wait until i call the bank and he does not want to wait, i call the police and the tow guy just step on the car and run. 
i spoke with some agents to the bank and one person said to me whatever we agree verbally is not valid, and the rates that im paying is 11 % and i have paid more 75 % of my loan. i think every person have a right to speak with the before take my car ... .my monthly payees is {$38000.00} and have to pay is 4 months, and they charged fees over and over even when i explained and agree to, because this covid19 we where inside on the house and we could not work. the amount i still own is like {$7000.00} I purchase the car back on 2015 in {$23000.00}, i think every person has a right to breath and put action when this think happens, and need law and order for all, humans rights also most be in effect for every person.
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

Every deposit I've made has been held for " we have confidential information that this deposit wont be paid, and an 11 day hold will be placed on it. After going to the branch 3X in 1 day, I was told that the branch level had put no hold on it. Sure enough, the check was held. I called the 800 # and was told, it is the branch manager who did it. I went back, to have them help me, at which time the Manager verbally accosted me, never introducing himself, and after asking him to stop, and advising him I was there to see XXXX, he said, " oh well, I could have taken the hold off, but I'm not now! '' Using his access to my money as a vehicle for his retribution. 

I'm a new business owner, and Regions bank, XXXX GA has held me hostage, and will force me to close, while they punish me for being stupid enough to trust them. 

I called back the 800 number, and was told again that it was the branch manager 's decision. I will be writing an email, to XXXX XXXX, RVP XXXX XXXX USA, and his fellow C Suite , and copying all of the nasty people I've met at Regions Bank including XXXX XXXX, XXXX XXXX, and their manager tonight ( Friday ) and hope they enjoy this weekend, and their successful torture of me, and attempting to defraud me, for their own managers personal vendetta. This manager is a XXXXt XXXX, and I feel did this as a form of discrimination against me.
Consumer complaint received 2017-12-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In response to closed complaint # XXXX, the paperwork submitted by Bank of America does not validate the alleged amount owed ( {$880.00} ) on account # XXXX. On XX/XX/XXXX I spent an hour on the phone with XXXX XXXX ( Manager of XXXX XXXX Department ). I was informed that almost half of the alleged amount owed were bank fees. Is n't there a limit on the number of bank fees a bank can assess? Also, why were fees continuing to accrue when the last transactions were in XX/XX/XXXX? I have read of many class action suits where BOA was charged for excessive overdraft fees. Please revisit this account and delineate the fees from actual transactions. Also provide the bank 's policy on fees. Please be advised my next step is contacting a consumer protection lawyer.