davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently sent a letter to Transunion and XXXX asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel Transunion and XXXX to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.
Consumer complaint received 2021-11-09
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: Tower Loan of Mississippi, Inc. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is incorrect and inaccurate reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TOWER LOAN, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services (CA)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

The BarclaycardUS has a technical issue with scheduling repeat/auto payments online. On XX/XX/XXXX, I called a customer service agent and she had to schedule repeat payments for me over the phone because I couldn't do it from their desktop app ( didn't work ) and their mobile app doesn't have the feature. I got an email confirmation about the repeat payment being set for the next billing cycle. 

The next due date was on XX/XX/2020. BarclaycardUS didn't  pull the payment as scheduled from my checking account and charged me a late fee. I got on the phone with customer service, and the agent in charge immediately asked me to check with my bank. I asked her why would I need to do that, if I was sure that my bank had the money available and Barclays gave me a confirmation that they would pull the payment, she immediately changed her statement to say, it took two billing cycles for repeat payments to be effective to which I said that I needed to see where that information was posted because that was not my experience with previous Barclays repeat payments I set up myself or any other bank or service I have set up auto payments for, the information wasn't also communicated to me over the phone when I spoke to the agent to set up the repeat payments and it wasn't on the confirmation email, I requested to speak to a manager. The manager admitted there's no such policy, so basically this bank has employees trying to disregard people who need help, going as far as making up lies. The manager offered a {$25.00} credit that was immediately posted to my account, offered to waive the late fee, but it has been now more than 3 business days and it hasn't been waived and told me she would create an IT ticket to request my payment to be made effective. After 4 days of my payment being late, I decided to cancel the automatic payments altogether and make the payment myself manually, because I do not want to risk the bank reporting a late payment that wasn't my fault. I'm not describing the entirety of the conversation I had with the employee who lied to me, because it would take too long, this person lied several times, trying to basically get rid of me, and wouldn't pass me on to a manager immediately, I had to mention it several times. This bank wasted an entire hour of my time, and the situation was not entirely resolved. After all of this, all I got was a {$25.00} credit because the late payment fee hasn't been waived, the automatic payment wasn't pulled, and their website still doesn't work correctly. I had to clear cache and cookies and even after doing that it wouldn't work, the only way I discovered that I could schedule the repeat payments on my own was through incognito mode.
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (NC)

Conn 's INC mailed me advertisement stating I am preapproved, also an advertisement for 10 % off which I never received and no interest for 12 months which again I didn't receive. 

Reporting to the Credit reporting agencies that I owe {$1700.00} instead of the amount financed {$1200.00}. 
Sold me a refurbished XXXX XXXX XXXX Stove as new. purchased items on XX/XX/XXXX were delivered on XX/XX/XXXX. 

XXXX XXXX hasn't worked right from the start, the left front burner light doesn't come on the hot surface light goes off before it cools down causing me to burn my hand and thumb. 

Oven set at 400 will only heat to 350. Forced place a 2-year {$120.00} Warranty which is really only a 1-year warranty since the stove supposed to have a 1-year factory warranty. claimed we had to have to warranty since it is financed. 

also, force-placed insurance since it's financed, even since I had declaration page from homeowners insurance. 
Charged me {$3.00} removal of white goods, I sold this before they delivered. 

They are in violation of the ( UDTPA ) ( FCRA ) Breach of Contract, and violation of the truth in the lending act because they didn't provide me a copy of the Credit installment agreement at the time of purchase only a copy of the invoice. 

I ask for either a full refund of the XXXX Stove or replacement with a new one within 30 days. I also filed a complaint with the NC ATG within 30 days and after they send the complaint three times to Conns they still haven't responded.

Conn 's was sued by the Texas ATG for the same issues and settled that case for {$4.00} XXXX. But they continue doing the same violations in other states including NC. Consumer Affairs has received over 1100 complaints about the same problems including people from NC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (NJ)

Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2020
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (CA)

I had applied for a chase buisness credit card and they had denied me because of my personal credit report and my personal credit score violating U.S. code 1681. And they should have not looked into my personal credit at all.
Consumer complaint received 2020-01-23
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. (CA)

Good Morning, Reached out to XXXX XXXX  DBA XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and  inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.
Consumer complaint received 2019-03-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax and XXXX are reporting me as 30 days late on the XXXX/XXXX   partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (NJ)

I have multiple business accounts with Wells Fargo and even bank with their commercial side for business! and a credit card but I was denied for a personal loan which makes no sense considering how much business I do with them I feel like I'm being discriminated against.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-05-06
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: Nelnet, Inc. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX  ) and the Creditor ( DEPT ED/NELNET ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2018-02-08
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I notified XXXX XXXX XXXX for XXXX XXXX XXXX credit card that they had incorrectly reported a 30 day late in XX/XX/XXXX to XXXX credit bureau. I also filed a report with XXXX. XXXX did not respond, however, XXXX XXXX XXXX responded via letter stating that they found the XXXX XXXX XXXX credit card is not being reported to the credit reporting agencies. This is in fact a lie because my XXXX credit report shows they reported a 30 day late in XX/XX/XXXX and I am an authorized user on the account with details of payments being made. The account has never been 30 days late in XX/XX/XXXX.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

I am a small business owner that have been affected due to Covid-19. Before Covid-19 I have been making payment to my Chase Business card for about three years. In XXXX I was able to make my last payment then on XXXX XXXX, 2020 ; I got very sick that had to go to the hospital for the second time on that same year. They kept me at the hospital with XXXX medication then I was XXXX. I was home sick for more than 3 weeks. By mid-XXXX of 2020 ; I called XXXX to asked them to give me a lower interest rate or lower my monthly payments to be able to afford the payments. I explained that my business was affected severely as my prospect clients were affected as well. Despite all the efforts thru phone calls and letters that I uploaded into their system on the credit card message. No one at chase was able to help me by at least closing the account lowering the interest payment and making a payment plan. My original balance on XX/XX/ 2020 was {$29000.00}, the last payment I made was XXXX 2020 for {$710.00}. Then my balance went up just for interest and charges to {$32000.00} with a monthly minimum payment for {$800.00} while the pandemic. I had to borrowed money from family and friends to pay some bills that I was able to afford ; between working and borrowing money I have been able to put food on my kids table and keep a roof trying to make ends meet. Due that Chase reported my business account into my personal credit report. If I do not fix my credit score, I was told by the wholesalers ' lenders that I must keep a decent credit score to be able to do business with me. I am a one stop shop men that wears all kind of hats trying to survive during this pandemic. Small business like mine ; I feel we were left behind while big corporates were able to be bail out or give free money to keep going. 
On the credit card page, they had a link to request help for Covid-19 ; however, I clicked on that link but the link took me to the same credit card page from Chase. 
When I requested help over the phone the customer representative stated that closing my account and {$800.00} per month was my relief due to Covid-19. 
The latest phone call that I received is that they are going to put my credit card as a charge off. I want to make payments but can not afford at this moment what they are asking me.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I received a letter in the mail one day from Cash Net USA advising me that a loan was approved in my name. I was confused by this because I did not apply for a loan with Cash Net USA. So, I called them and I was informed there was a loan on file with them with my information attached to it. I told them I did not make this loan application and they need to close this as fraud. They claim they did an investigation and they are holding me responsible. I asked them for the paperwork regarding this loan and they only sent me the loan agreement. There was an E-signature on the paper work to approve this. I did not E-sign anything for this company to be able to approve a loan. I fought with Cash Net several times to close and they refuse. So then I reached out to XXXX to get help with this and they requested another dispute on my behalf, and Cash Net denied that request also. Now I am at the step of sending legal documents to them to request all paperwork regarding this loan. Did Cash Net ask for copies of this person 's social security card, or drivers license? If they did I want to see copies of that to see if my face and signature is on that fake ID. If they have a social security card with my number on it and someone else 's name or signature on that card I want to see it. Did they ask for any copies of paystubs to proof employment of this fraudster? If so then I want to see it. If they did not verify anything with the thief before approving this loan then I want them investigated for unfair lending practices. This loan was approved and funded to the thief in XXXX of XXXX, it is now XX/XX/XXXX, this is unacceptable behavior to resolve something that is fraudulent. After this is submitted and another review is done, if they still hold me responsible then I want proof sent to me as to why they think that. What proof do they have that leads back to me, I need to see all of this.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Professionals, Inc. (CA)

Action Professionals at XXXX XXXX XXXX in XXXX XXXX, CA XXXX ( XXXX ) XXXX has fraudulently placed a medical collections onto my credit report for a deceased man they know I was not legally married too because he was still legally married to another woman at the time of his death. I did speak to the collection handler and he refused to correct and remove the collections from my credit report even knowing it was not mine nor my legal obligation. The collection is for {$3100.00} and was placed onto my credit file XX/XX/2021
Consumer complaint received 2020-01-24
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. (TX)

There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but Equifax and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I attempted to purchase an airline ticket on XXXX with my ATM card issued by CITIBANK. The XXXX web site did not confirm the booking nor did I receive a confirmation via email of any ticket purchase, yet CITIBANK immediately deducted {$550.00} for the ticket purchase. I called CITIBANK on XX/XX/XXXX and told them about the issue. They told me that they had initiated a dispute on the charge. I contacted XXXX who told me that their site was not functioning, and that they would not process the charge since no ticket was ever issued. I called CITIBANK again on Friday, XX/XX/2019 and Citibank told me that they would not commence an investigation on the matter until the merchant would collect on the money or after three business days from the first posting of the transaction. I asked why they would not call the Merchant and release the transaction, and they told me that they do not do it until the merchant collects or after three days. That means that for three days CITIBANK has illegally used {$550.00} from my account, and collected interest on it. They further misled me into believing they would inquire into the transaction while they had a practice of not doing anything about it. This is a deceptive practice for the sole purpose of using account holders money without paying interest on it.
Consumer complaint received 2021-11-09
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. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX XXXX, XXXX- Inquiry Date XX/XX/XXXX ;