davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/XXXX. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX  's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!
Consumer complaint received 2021-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

The bank informed me that XXXX XXXX County reported missed payments for the XXXX and XXXX real estate taxes, I provided the bank with my proof of payments, the bank ignored the proofs and later claimed that it paid XXXX XXXX County again and the county refused to refund the money it paid. The bank then demanded that I must refund the amount that the county refused to return.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off the entire balance of my credit card on XX/XX/2018. On XX/XX/18, I was charged {$11.00}. 

When I attempted to dispute this charge online, their system did not allow this because the link that they stated to click was not there. We are now trying to get them to credit us this amount, by phone. What is misleading and irritating is that they make consumers think that there is an easy means to dispute a claim, but in actuality, there is not. 


CloseDispute a purchase? 
Click the plus icon next to the purchase you need to dispute. 
Then click the File a Dispute link. -- NO LINK
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2018-02-18
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. (CA)

Frauding scams using XXXX XXXXXXXX XXXX of XXXX XXXXXXXX Indiana of my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC (AZ)

Beginning of XXXX I took a loan out through XXXX XXXX for XXXX. My intention was to pay the loan back within the first week of XXXX. Hours are short in my line of work during the month of XXXX typically so I do not make as much. But I receive a bonus on XXXX, which was why I planned to pay the loan back quickly. Due to unforeseen circumstances I was unable to do so. At that point I continued to make the regular payments that were due through my contract with them. After a month or so of paying them quite a bit of money and receiving an email that my loan had not gone down by very much I decided to look closer at the details of the loan. My interest rate was 167 %! By end of XXXX I had paid approximate {$560.00} and my loan had gone down by about {$75.00}. Of course this is my mistake for not looking at the details beforehand. In my case, it was because I didn't plan on paying through the full length of the contract so at the time I felt the details were irrelevant. Again, my mistake. But regardless of those facts 167 % interest is outrageous! I attempted to call the XXXX XXXX location to discuss the matter and spoke with XXXX, the manager on duty. Where she informed me that she did not think that rate was unfair and it was actually one of the company 's lower interest rates. For a company who, for the most part, serves customers in financial duress, this practice seems unconciencable. They are taking advantage of people at a low point. For the record my payments have all been made on time and will continue to be. I just want to warn anyone in a time of need to please use any other options! You will dig yourself a hole with this company that is very hard to get out of. After my experience I was able to find other companies with much more reasonable interest rates. Do your research. Hope this helps someone.
Consumer complaint received 2022-05-02
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. (TN)

There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : Creditor : XXXX XXXX ; Date Opened : XX/XX/2020 ; Balance Due {$350.00}.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (MA)

In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with XXXX for $ XXXX because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXXXXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

In XX/XX/2018 I reviewed my credit reports and found inaccurate information reporting in my 3 bureau credit files. The account is unknown to me so I contacted the company XXXX XXXX XXXX XXXX by letter delivered by certified mail on XX/XX/2018 ( see attached letter and certification of mail ) that was over 45 days ago and I have yet to receive a response.

This company has failed to comply as per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to XXXX XXXX XXXX XXXX regarding account number XXXX for a sum of {$20.00} is to provide via CFPB portal full validation or delete this unknown account from my 3 credit files. I have explained that this account is unknown to me and I require  FULL validation pursuant to the Fair Debt Collection Practices Act and XXXX XXXX XXXX XXXX has failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (MA)

There was a tax lien showing up on my experian report when I do not nor have I even had a tax lien in my name under my social security number!!!!! I need this off my report!!! This company is a scam and I will sue them due to personal injury because of this!
Consumer complaint received 2022-05-02
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. (TX)

The following credit inquiries on my TRANSUNION credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}, {$0.00}, {$16000.00}, {$12000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with TransUnion for $ XXXX because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact Hunters Warfield and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called Hunter 's Warfield in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted Hunters Warfield on XX/XX/2018 and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance
Consumer complaint received 2022-05-02
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. (IL)

I and my place of employment were directly affected by Covid during XXXX, XXXX, & XXXX of 2020. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.
Consumer complaint received 2018-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Several of my bank accounts were Frauded and invaded several times Bank of america XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX Under my social security # XXXX the very last incident Was from XXXX XXXX XXXX XXXX Nj XXXX XXXX home owner and XXXX XXXX and XXXX son Computer programmers hackers and Scammers XXXX is a script kiddy And ring leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX have switched my account from bank of america to XXXX i am a XXXX resident Of georgia and they reside in nj also hacked my atm card and transactions Along with cancelling my health insurance contact me by mail only XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX For 7hrs of continuing details in progresd.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

Back in XX/XX/2016, I was laid from my company for over 18 years I've been employed there. I filed a hardship during those months, I was not able to make payments. I applied for a program Keep your home California. I was eligible to qualify their program but I missed months of payments for my mortgage. Finally the program assisted me with my mortgage payments through XXXX XXXX. 

I'm currently making my mortgage payment for the past 14 months straight. I would like to dispute this late payments for XXXX XXXX, that is affecting my credit scores. if you could please assist me get this off my record. I'm working so hard to get a affordable credit score so I may live a better life knowing that I'm the average American with a good score. 

Thank you XXXX XXXX
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (MO)

I became delinquent on my car loan in XXXX of XXXX. I called at that time and could not seem to get payments to go through. This resulted in an extended delinquent period of time. I began trying to resolve this again in XX/XX/XXXX. At that time they wanted to make it current for almost {$8000.00} but I could not at the time. I had my father attempt to resolve this issue with no success. I finally received financial counseling by the XXXX and they are trying to assist with a loan however Ford is stating they want payment in full. I received the debt validation letter from Ford showing my balance. I wish to be set up in a payment arrangement for the original payment amount of {$500.00} per month. Ford will not allow this to happen. Due to this extensive delinquency, my security clearance may be affected.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had a collections account that was declared paid in full AND DELETED from all 3 bureaus on XX/XX/20. XXXX and XXXX have removed it from my report, however it is still showing on my Equifax report. I called the collections agency on XX/XX/20 and he stated he submitted a 2nd submission to Equifax on XX/XX/20 to have it removed. As of today, XX/XX/20 it still appears on my credit report. I would like to have this collections account deleted as soon as possible as it has been with the other 2 agencies.
Consumer complaint received 2022-05-02
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: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2022 I basically have had a Target XXXX XXXX MasterCard for several years okay baby about I want to say three or four years ago we can paying them it started I got into it before the pandemic started off so I got into some financial hardship where I was unable to really pay them so I got in the payment program held up my end of the agreement and made the payments on time since then it's been about I want to say about 4 years later okay I received mail on XX/XX/XXXX and basically when I look for open my bill I still have a balance with them for {$4000.00} they cut my credit limit down again this is the second time that they did it Target is doing this out of XXXX I have been working very hard to get my credit up the part where did my credit has gotten really really good to the point that I just was approved and opened a XXXX credit card does she have to have a really high credit score I've been bringing a lot of my balance is down I haven't been late I haven't been told why either paid several of my accounts off with my credit score is is pretty good I feel it's a deposit he's doing this out of XXXX I've called them about this in the past and basically I get shunned away and say oh well you just have to read the mail why we're not going to admit we decreased your credit limit trying to say that I had seen any hide that two ratios trying to say that I had seen any inquiries in all of that and I'll be paid their basically doing it out of XXXX I have even and y'all can pull my credit report and are authorized all to see that as well I haven't even got credit line increases or several of my credit card because I've been making my payment and paying over and doing such a great job Target is doing this out of XXXX  and something needs to Don about the antics