davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 I uncovered Experiential Proof that TransUnion Employs Systemic Predatory Credit Reporting Practices designed to intentionally harm people. 

I have a lot of credit which I keep below a 10 % Credit Utilization Ratio and pay off all cards every month except for 1 XXXX  XXXX XXXX card that was on a 0 % Promo. 

That promo was set to expire and so I was going to pay it off when I received an amazing offer from XXXX XXXX. 

{$10000.00} at 0 % and no Fees of any kind for 18 months so I transferred my XXXX  XXXX XXXX balance whose promo was about to end and a couple of other small cards plus a principle reduction payment to XXXX XXXX  to round out the {$10000.00} So on Tuesday XX/XX/2021 I paid off {$10000.00} of debt and to my surprise that made no impact to my credit report whatsoever. Not even a 1 point increase. 

My score was XXXX and that is where it stayed. 

Then on Sunday XX/XX/2021 when XXXX card reported to TransUnion, TransUnion dropped my score and incredible 111 points and 2 days later on XX/XX/2021 just for good measure TransUnion dropped my score another point bringing me from XXXX all the way down to XXXX or from excellent don't to Yikes! Don't give this guy any credit. 

Just in time to refi my mortgage and take advantage of the current super low rates. I was quoted 1.75 % on a 15 year and now ... They don't even want me to submit an application until this is corrected because it will be denied. 

It is very clear that TransUnion probably in coordination with the big banks has made this change to their algorithm intentionally to hurt people by causing them to have to pay higher rates on all financial products. 

I have done balance transfers in the past with no impact because obviously they can see transfers are lateral moves that make good financial sense and are an indication of smart money management vs a potential problem. 

I contacted TransUnion and they were not helpful at all. Finally, the rep offered to transfer me to a supervisor who might be able to help and I heard the words ... " I'm not gon na do anything about it '' followed by my being hung up on by the supervisor at TransUnion. 

This isn't right! 

Please help me and the thousands or even millions of good hard working responsible people who TransUnion is systematically and intentionally hurting with their unfair, unjust and predatory credit reporting and scoring practices. 

Thank you ...
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo and was transferred several times. A person by the name of XXXX XXXX is using my address at XXXX XXXX XXXX in XXXX Texas. She has her mail forwarded to another address ; however the US Postal service provides me with a scanned mail before it gets forwarded in another address.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (CA)

I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

XXXX  credit reports refuses to take this charge off of my credit report, as the collecting agency, TSC Accounts  Receivable So, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (MD)

Upon reviewing my free annual credit report ( through XXXX ), I noticed an incorrect collection from a company named " Capital Accounts '' : Account Name : CAPITAL ACCOUNTS Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$70.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$70.00} Terms : 1 month On Record Until : XX/XX/XXXX Under historical info, the original creditor is listed as " XXXX XXXX XXXX '', giving the following contact info : Address : XXXX XXXX XXXX, XXXX TN XXXX, Phone number ( XXXX ) XXXX. 

This information is incorrect. I have never used Capital Accounts and have never received any information related to this.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience.

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I am trying to dispute something on my credit report. Experian would not verify the online account I set up. The verification questions they had were not applicable to me. I was sent to a final page telling me to call to get help. Whenever I call this number no one answers and it just hangs up on you. It's impossible to get a hold of someone. Experian is breaking the law by not providing me with access to my credit report.
Consumer complaint received 2021-02-10
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. (CO)

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I checked my credit report several months ago and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it multiple times with both the credit bureaus and the company itself and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2022-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Harpeth Financial Services, LLC (WI)

This company Advance Financial approved me for loan three years ago. I never accepted the loan. Advance Financial mailed another ad with pre-qualified terms and says I can get up to {$4000.00} until XX/XX/2022. When I applied it declines the offer that they continue to send in the mail. I need the money now and it's false advertising.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Shellpoint Mortgage Servicing keeps putting lender placed insurance on my condominium even though I have both association and personal insurance. I have demonstrated this to them with the time limits via their reporting website, EOI, which acknowledged my submission and said if there were problems they would notify me within XXXX hours. They never responded. I also faxed ( and have the receipt from XXXX ), snail mailed and emailed to one of their employees the insurance dec pages. I have telephoned them several times ( I have a log ) and they always say it will be fixed. The charge went off my mortgage bill but has now reappeared, with a back balance of {$580.00}. I can not get them to stop this. I see via an internet search they have already settled several legal cases against them for this very issue.
Consumer complaint received 2020-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (AR)

I had requested an extension on monthly payment For world finance in XXXX Missouri and signed a paper for a 3 month extension. About a month later I got a call from them asking for payment. I told them that I was aware of an extension until later and they said it was only a months extension and requested immediate payment
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

A collection agency named Afni, Inc. is trying to collect a debt from me of {$5000.00}. They claim to be collecting on behalf of XXXX. Afni says they are willing to accept {$2500.00} from me as a discounted offer. This is not money I owe. 

The account number is : XXXX. 
The creditor account number is : XXXX I do not owe money to XXXX and I have never had an account with them. I suspect this is fraudulent activity and harassment. 

I have contacted XXXX and they agree that I have never had an account with them. They have no record of any accounts under my name or SSN. 

Afni, Inc is threatening to report this fraudulent debt to credit bureaus. 

In XXXX of 2020, a different credit agency, XXXX, claimed that I owed {$5700.00} to XXXX and reported me to the credit bureaus. I disputed my debt with XXXX and made a complaint to CFPB. Again, XXXX corroborated by claim that I've never had an account with XXXX and have no outstanding debt. XXXX stopped contacting me, but now I am being harassed by Afni, Inc.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I borrowed {$16000.00} and graduated from XXXX XXXX in 1991 and defaulted on loan cause school was a big lie about getting a good job. Theyve been garnishing my wages for 20+ years and have taken over {$70000.00} and yet I still owe about {$8800.00}. Loan was originally managed by XXXX  XXXX XXXX and sold to navient. How much long will this private continue to take advantage of me. Any help and / or guidance on this matter would be greatly appreciated because Im XXXX XXXX XXXX and Im tired of struggling week to week with paying my bills. Sincerely XXXX XXXX.
Consumer complaint received 2021-07-13
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. (FL)

XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since XXXX  would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and XXXX to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of america has stolen {$5300.00} from my account that was returned by XXXX XXXX for money transfers paid in error by and of america in my name but was fraud. XXXX XXXX conducted a case investigation and came to a conclusion that the money was to be returned and refunded to my bank of america account. Bank of america received the funds with myself and XXXX XXXX being provided confirmation of bank of america receiving funds as well as ACH number on XX/XX/2020.
Consumer complaint received 2019-11-03
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: Experian Information Solutions Inc. (FL)

ON XX/XX/2019 I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XX/XX/2019 agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by XXXX, ( see Copy ) and no responds by XXXX  and Experian, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3XXXX CREDIT CARD CHARGEOFF # XXXX
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I lost my job at the end of 2023. Ive been looking for a new job since then, but havent had any luck yet. I call Tower Loans and spoke with the manger, XXXX XXXX, and explained my situation to him and told him that I would call them and give them an update as soon as I find a new job and am able to start making payments again. I told them I registered my number on the do not call list and to text me instead if they needed to reach me. Tower Loans continues to ignore my request and proceeds to not only harass me but also they call family members that were not listed on the loan as co signers. I listed my phone on the DNC list in XXXX, and have repeatedly made Tower Loans aware of that and asked them to stop calling me and my family multiple times daily, but they refuse. Just this past week, my grandmother XXXX XXXX. I asked Tower Loans to stop calling while we XXXX XXXX XXXX XXXX this week. They ignored my request again and called during her XXXX XXXX. If anyone is able to help me, it would be greatly appreciated. Thank you.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (MI)

I took my vehicle into XXXX XXXX XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX XXXX, MI XXXX ) in XXXX of 2020. To have repairs done to my vehicle after a fender bender I was the victim of. Their staff was very friendly and helpful, even completed the repairs ahead of schedule. When it came time to go pick up my vehicle, I remember stressing to make sure I had the funds to pay my deductible ( {$500.00} XXXX. When I was there to claim my vehicle, I had my debit card in hand and set it on the counter to sign some paperwork acknowledging repairs had been done to my vehicle. I remember then picking up my card and offering it to the gentleman who told me " oh, don't worry about it, no charge ''. I thought wow, what an awesome ending to a XXXX situation. I remember I even grabbed the paper work I signed and took it with me on my way out the door, the gentleman ran out to my car and asked for it back, I apologized for taking it, and that was it. 

Towards the of XXXX of 2020 my car was damaged overnight, and I took it into the shop in XXXX. Again, was having a pleasant experience until when it came time to collect my vehicle. Again I had money ready to pay the deductible XXXX {$500.00} XXXX and that is when they reminded me of a debt I still owed from my first visit with them in XXXX. I explained that what the gentleman had said and they he verbally stated I didn't owe them anything for that visit. They said even though a mistake was made on their end, I still owed them XXXX $ XXXX XXXX. I paid the deductible owed for my XXXX visit XXXX {$500.00} XXXX. Now I have a debt collection agency ( Aargon Collection Agency XXXX calling me for that unpaid debt with XXXX XXXX  from XXXX. 

I have never had " good '' credit, but lately more than ever I have been successfully exercising a strong focus on improving my credit and paying off old debts. This comes to me almost out of nowhere and I feel is extremely unfair. Every company I have ever worked for, if a mistake was made on our part we made it right with the client. It does NOT seem like that was the case here. 


I have included an attachment from XXXX XXXX showing an Estimate Breakdown. This displayed the cost of everything and where those costs were going. It says I owed {$0.00}. Confusing right?