davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (MA)

XXXX XXXX in interest so far just got in trouble with too many payday loans and now almost all my check is going to pay these things off I can no longer pay these fees and interest any longer and have told them not to call my employer but they do HELP!!!!!! these companys need to stop doing business in massachusetts
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following Accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXhe following accounts are listed below : US DEPT ED XXXX Balance Owed : {$6300.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED  XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5400.00} US DEPT ED XXXX Balance Owed : {$7400.00} DEPTEDXXXX XXXX Balance Owed : $
Consumer complaint received 2023-04-17
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. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MD)

I have disputed an account with SLS on XXXX  for the past six months to no avail. I have furnished to XXXX  a letter from said company stating that the account in question is closed and they refuse to correct my credit report.
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TN)

Sent Transworld Sys Inc. a letter after discussing the matter with XXXX at TSI XXXX XXXX ). It is not my debt, someone with same name but clearly younger than me and a different Social Security Number. They replied to my letter of XXXX 2016 saying that it was unclear if I owed this or not so it could not be removed. I viewed my free credit report early this year so I can not access the report to contest the claim.
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

I am currently a longtime TitleMax customer, and I am currently stuck in a title loan with this company that originated in XXXX of XXXX. I took out this loan at a time when I had no other options as my husband was XXXX and on XXXX  for XXXX XXXX. I borrowed just under {$4000.00} at the time, and I have been paying at least {$500.00} each month since then which has resulted in more than {$24000.00} in payments of excessive interest and late fees for my XXXX XXXX XXXX. 
I have attempted to contact the office, and in my communication with the associates at the XXXX, Georgia location, I have been unable to come to a resolution, and each time I attempt to contact the corporate office via their XXXX number, I am rerouted to the XXXX XXXX which has constantly communicated with me using deceptive and financially abusive tactics to drain me of more than XXXX times the amount of money that I originally borrowed XXXX  years ago under the constant threat of " pulling in '' or repossessing my vehicle. 
Since XXXX, I have paid TitleMax 's excessive interest and fees in spite of financial difficulty, a worldwide pandemic and the historic inflation rates following the pandemic. 
The jingle from the ads from this company says, " Get your title back with TitleMax! '' That's essentially what I expect as a result of this complaint and an honest review of my account. I expect for TitleMax to settle this account as paid in full from a corporate level, and I want my title back, as it is the only ethical thing to do in this case.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I brought a car from Nissan in 2017 and they have multiple clas action lawsuits against them for having bad ctvs in the cars and my car just broke down too and I had to.pay over XXXX dollars a car that wasn't even 5 years old. I am struggling to pay my bills and car payment bc I had to put XXXX dollars towards the transmission now I am behind on my car loan.
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Funding hired the XXXX XXXX XXXX XXXX XXXX to collect on a debt owed to XXXX. They had my bank accounts garnished for {$2500.00} in XXXX based on a ruling from XXXX XXXX XXXX of which I was not notified. I did not receive a court summons before the garnishment so I was not given the opportunity to clear this up before it went to court. The court clerks claim that I was " served '' on XXXX XXXX at an address that I had moved away from in XXXX. After they took the money, the court clerks advised that the Collections company could release the funds if I agreed to a payment plan. I called the collections company multiple times requesting for that release and payment plan but they kept telling me that they could n't release the funds at all. I was garnished without notification and unfairly. The only documentation I received came from my bank after the assets were garnished from my accounts.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

My old roommate used mt name and business to file a fake payroll account at her company XXXX in 2015. I was unaware of this and did not authorize this. Many months later I received letters from XXXX proclaiming I owed them taxes for employees I paid. I did not have any employees besides XXXX XXXX XXXX XXXX XXXX and I had never filed a payroll. When I called XXXX my roommate was fired for fraud and forgery, but they did not attempt to fix the error with the XXXX. The XXXX later put a public records lien against me for the amount the claimed I owed, and took the money from my savings account. I contacted them and they admitted their mistake and released the lien, but the lien was already on my credit report. When I contested the issue with Equifax they said they reviewed the lien and the information is correct. Yes the lein was filed against me, but it was done so by action of fraud against me and the mistake of XXXX. This mistake by Equifax has hindered my ability in being accepted for any loans or credit cards. I am being punished for the actions of someone else and it is affecting my ability to operate my business, buy a home, and live my life.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (AZ)

The listed HARD INQUIRES on my Consumer Credit Report published by a credit reporting agency are fraudulent, and I have never been associated with giving express written permission to run these listed Hard Inquiries or are they associated with any accounts I own. As per the Fair Credit Reporting and 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction states that these item shall not be reported or listed on any consumer credit report or version thereof. 

I have personally called each credit reporting agencies customer services phone number and also fraud departments, where I was treated like a criminal, and spoken to very rudely including hostile language about these items. The outcome has not changed or removed this fraudulent information. The credit reporting agency also made it very difficult to discuss with the right department, nor have the ability to request deletion on their paid subscription services for my own personal credit report. 

HARD INQUIRES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX CA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2015-12-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KS)

I currently have a loan with Springleaf Financial, in good standing. No late payments, no problems whatsoever. 

I applied online for another loan with Springleaf, for {$10000.00}. I received an email stating that I had been approved, but for a reduced amount ( {$7500.00} ). The email instructed me to call in order to complete the process. 

I called and answered numerous questions about employment and income. Everything went fine, until I mentioned that I already have a XXXX loan in good standing. I was immediately placed on hold, then the Springleaf representative came back on the line and mumbled something to the effect of " I 'm concerned about risk. '' I waited for him to say something else, but about a minute of silence passed. No wonder - he had disconnected the call. 

Having pre-approved me for a loan, Springleaf was apparently incapable of determining that I am already a customer - even though I provide my name, address, SSN, etc. ( and they did pull a credit report ). When I disclosed that I 'm a customer in good standing, their response was to disconnect the call and to refuse to continue processing my loan - even though they had pulled a credit report and pre-approved the loan.
Consumer complaint received 2023-04-17
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items will be corrected ASAP. Thank you. 
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 XXXX
Consumer complaint received 2022-08-10
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. (CA)

I received a partial credit report from Trans Union showing XXXXXXXX XXXX credit card payment history with the date ending on XXXXXXXX 2022. The partial credit report did not show the payment history that included XXXX, and XXXX, 2022. My complaint is that my credit report shows a late payment for XXXX, and XXXX, 2022, and I did not make any late payments on those months. 

I have attached the only page of my credit history that was included in the letter I received from Trans Union. Please note that the history ends on XXXX, 2022, and does not include XXXX, and XXXX, 2022.
Consumer complaint received 2022-09-07
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. (AZ)

The listed HARD INQUIRES on my Consumer Credit Report published by a credit reporting agency are fraudulent, and I have never been associated with giving express written permission to run these listed Hard Inquiries or are they associated with any accounts I own. As per the Fair Credit Reporting and 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction states that these item shall not be reported or listed on any consumer credit report or version thereof. 

I have personally called each credit reporting agencies customer services phone number and also fraud departments, where I was treated like a criminal, and spoken to very rudely including hostile language about these items. The outcome has not changed or removed this fraudulent information. The credit reporting agency also made it very difficult to discuss with the right department, nor have the ability to request deletion on their paid subscription services for my own personal credit report. 

HARD INQUIRES : XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-17
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action
Consumer complaint received 2023-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXXXXXX XXXX  XXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NC)

I opened an account with Citibank to consolidate my debt and take advantage of a 0 % rate. I set up the account and ask for no emails. 
They have started sending " hello, you have an account with us '' emails. The clerk says, if they have my email, they will be sending this email every month. 
It has no " unsubscribe '' link and she ca n't unsubscribe me either, unless she deletes my email from their data base. I want them to have my email, in case they have something of importance to say, but I wish to be left alone otherwise. 
Can you require them to leave me alone? 

Then, second, she has no way to forward a complaint to the corner office! I have to send a snail (! ) mail complaint to the following address Citibank XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I find this rude, contemptuous, and mean-spirited. 
thank you.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently disputed late reporting on my credit file with Capital One Auto and asked them to address several late reportings. Capital One provided me with statements/proof for some the late disputes. They failed to provide me with Inaccurate late reporting for XX/XX/XXXX and XX/XX/XXXX. I will wait on this information from Capital One.
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

I have a savings and checking account with XXXX. My savings only had {$5.00} in. I recently noticed that {$77.00} was transferred from my checking into my savings without my knowledge then a restraint was put on it I contacted the # I was given but the debt collector could n't explain when the debt was from. I asked several times and he jumped around the question. That conversation was recorded by his company XXXX XXXX XXXX XXXX XXXX. I 'm no lawyer but I know that they are not allowed to transfer my money from XXXX account to another. I contacted the bank and I 'm still waiting for a response from them. I would like to know if what they did was legal before I take it to court.