davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
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. (AL)

This complaint is being filed against Experian in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX , & XXXX XXXX XXXX XXXX, with Experian on four different attempts to correct their inaccuracies. However, Experian have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Experian claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc (FL)

On XX/XX/year> I informed Creditfresh that I was being represented by an attorney regarding this debt. I gave them the name and address of the attorney via phone and email. I was told by Creditfresh that I needed to get power of attorney for them to speak with my attorney regarding this debt. My attorney informed me that according to FDCPA 15 USC 1692 c 804 ( 6 ) and 805 ( 2 ) and Florida Statute 559.72 ( 18 ) that all I need to do is provide them the attorney information. This is not a bankruptcy attorney nor a debt consolidation attorney. This is a personal consumer rights attorney. They must direct further collections to him.
Consumer complaint received 2022-09-09
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. (IN)

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX /XXXX/2016. I checked my credit report, which I acquired from transinon. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

XXXX. XXXX Account Number : XXXX Bal : {$1200.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Bal : {$3300.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$3300.00}
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Credit plus which was made on XX/XX/2016. I checked my credit report, which I acquired from XXXX. I have contacted credit plus, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

Once again, I am trying to find help for my son who had is pandemic unemployment direct deposited to my account. However due to cashing a employment check that was fraudulent, in my defense I left in the account until the bank completely cleared the transaction. I could have taken half out if I wanted, I called and spoke with them and explained. They said ok but we need to close the account. I requested they transfer my money out of the account which they said could not be done as the account was already completely closed. During this time covid started, my son filed for unemployment and it took XXXX or 5 months but was excepted. He check for a deposit date, on that day check my account nothing deposited. Waited XXXX more days then called XXXX trying to find the money. The agent refused to tell me the bank or have the deposit reversed. She could only provide the last XXXX of the account. It took me 2 months of searching to finally find a statement with that account number. I called citi bank who denied the deposit claiming it was returned. It took another 2 months to get them to admit they had his deposit, however they refused to release the funds without Providing Identity, so I sent my son to XXXX in the middle of the pandemic just to find out the bank lied and gave me the address to a closed location. I was furious, they then told me he had to go XXXX states away to prove Identity. It would have been more than the check XXXX dollars. I had to tell him no, but I continued to write and beg someone to help. During this time I received a letter stating they. Were closing my account. The one that was closed months before excepting a deposit someone and it had a XXXX balance. I called citi all this is documented to which they said we took the money and deposited it into our account until you can have the XXXX get a warrant to return the funds. No they will not reverse charges, no a letter or call from the XXXX will not help. They demanded a XXXX XXXX XXXX for the funds. 
This has been 4 years ago nobody will help me, I refuse to allow them to steal his money
Consumer complaint received 2017-06-21
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform XXXX, Equifax, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (VA)

XXXX Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX to dispute the collection ( {$490.00} ) XXXX Submitted online dispute to XXXX XXXX {$490.00} ) XXXX Sent letter to Suburban Credit Corporation to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX that neither collection agency had verified the collection ( {$490.00} ) XXXX Submitted another online dispute with XXXX ( {$490.00} )
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Tuesday of this week, XXXX XXXX, XXXX, I paid off my mortgage that was held by Bank of America. The money to payoff the mortgage was transferred from another account that I had with the bank ( Rewards Money Market Savings ). The amount of the payoff was {$40000.00}. Prior to the payoff taking place, I could view my mortgage payment transaction history ( Payment Date, Payment Amount, Principal / Balance, Interest / Buydown, etc ) online on the Bank of America website. After the payoff, the transaction history was removed, that is, it can no longer be viewed. So, the payoff and hopefully the XXXX balance can not be viewed or printed. I called the Bank of America Mortgage Department this morning, Thursday, XXXX XXXX, XXXX, at XXXX XXXX to complain about the removal of the transaction history. I was told that their system automatically does this. The representative told me she would mail me a copy showing the payoff amount and that I would receive it within seven to ten business days.
Consumer complaint received 2017-07-26
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. (GA)

I do not have a contract with XXXX XXXX/XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XX/XX/XXXX I called Toyota Motor Credit and explained I attempted to gift the car to my granddaughter. When I went into the DMV, I found out Toyota still had a lien on my car. I purchased the car in XXXX and paid it off in XXXX XXXX XXXX. They verified my previous and current address, phone number and contact information. Stated I would get a lien release in the mail in 14 days. ( Vehicle is too old to do an electronic lien release with the DMV ) XX/XX/XXXX Called, Toyota verified the information and stated they would send the letter. They did not know why the first letter did not go out. 
XX/XX/XXXX Called, they asked for my current address. I asked them to tell me what they had on file. They verified my current and previous address. They stated they needed to verify that before they would send the release. I asked for an address where I could send a certified letter, because the call center was not handling the lien release. They were unable to give me an address. 
I found an address for US Toyota Credit and sent a certified letter on XX/XX/XXXX No response from Toyota.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

I signed up for an American express XXXX XXXX credit card, and there was no credit limit on the card. The card was paid on time every month. My business partner was an authorized user on the card. My partner ordered parts for our work orders we have an XXXX  company. AMEX paused my card and told me I had to call them. AMEX XXXX XXXX department told me that a red flag was on my account because the authorize user on my account uses the card more than me, so now it looks like they are the account holder, and they would need to review my business partner credit. 

I have never in my life heard that an authorized user on a credit card spending limit is monitored and they cant use the card more than the account holder. I spoke to AMEX XXXX XXXX department and asked does it makes a difference who uses the card more the account holder or authorize user. I was told no. Either way I'm responsible to make the payments. 

After speaking to the AMEX XXXX XXXX department, I questioned the AMEX XXXX department about the false information they gave me, and asked them to show me something in writing. The representative told me it was an internal policy. Therefore, it couldn't be shown to me. I was told I had to submit my financial documents or my account would be closed. As a new business I couldn't submit pay stubs for the money I was making from my business, but I am full time employed so I submitted my pay stubs and ID. 

AMEX changed my credit card from having a flexible spending limit to having a XXXX spending limit. I was told I could resubmit my own personal bank statements to show I have sufficient savings if I want my credit limit increased.I declined. I have a business credit card not a personal one with AMEX. Theres no way Im giving them access to my personal bank statements. I believe AMEX has discriminator business practices. My credit score was a XXXX when I applied so I was credit worthy to get approved for the XXXX and Gold AMEX XXXX XXXX cards.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Have tried to have phone number removed even blocked numbers to not receive calls concerning interest rates. Received call this morning XXXX/XXXX/17 concerning reducing my credit card interest rate ; did not identify what card company. Requested to again speak with Representative. Explained that I had requested to be put on a no call list to not receive calls and wanted to know why I was receiving this call. Representative said something I could not understand ( due to XXXX accent ) so I ask him to repeat ; he stated '' Because a friend had told him I gave XXXX XXXX XXXX '' ; I told him where he could go. Hung up! Hit call backl and called the number XXXX and it went to Capital One Customer Service. I requested a supervisor who said they do not make these kind of calls concerning reducing interest rates. This call came in to me around XXXX XXXX lasted 4 min. This is also the number on my statement.
Consumer complaint received 2022-08-10
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. (NC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXXXXXX XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX, 120 days in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My mortgage was sold to SPS Servicing ( www.spsservicing.com ) by the  originator. This company does everything within their power to ensure that you can not make your payment on time. The following issues have occurred since they have became my mortgagee : 1 ) If you hang up before the phone repeats the confirmation code back to you, they will kick your payment out. 2 ) If you become two months late, they will send someone to " inspect '' your house to ensure that you are still living there and charge {$600.00} for this " service ''. 3 ) Last week I tried to make a payment online. They had already processed my payment and then the website " crashed ''. I had no way to know if they ran my payment or not. 4 ) Prior to that, I had tried to make the payment online, but they never sent me the 2nd part of the 2 part verification process. In today 's market, they know that they can not generate new business, so they do everything within their power to ensure that you can not escape them by refinancing and simply try to fee you to death. I have also asked for proof that they had the right to " inspect '' my home and add those fees to the balance. They gave me a fax number and no one ever replied. I would never do business with people this unethical and I believe that I should have some say-so in that matter. I should not be forced to do business with criminals.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested for transunion, XXXX and XXXX to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Creditors, Inc. (TN)

THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc (AR)

The categories you provided were not entirely accurate or descriptive. This complaint is against XXXX XXXX, which provides billing services for health clubs. Look online at ratings and you will learn all you need to ... a litany of 1 star reviews. In my case, the expiration date on my credit card changed. I received a text message from XXXX informing me that the charge for my gym membership declined. No problem. I called within 5 minutes to update the information when they informed me they were charging me a {$20.00} fee for the declined credit card transaction. There is no cost to the company for a declined credit card transaction and I have never, ever seen a company that charged for that purpose. I ca n't recall any other company where I even need to update the expiration date but, if I do, there has never been a fee for anything related to that. Given I signed up for my gym membership a long time ago and have no communication from them or XXXX at any time related to my payments, to billing, etc. there really is no practical way for me to be aware of any issues. In addition, I would n't have known XXXX   was the place to contact as my gym name appears on my credit card statement each month.