davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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. (LA)

Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, Transunion is reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureau multiple times to review this account however, I have not been successful.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group (TX)

Phoenix Recovery Group placed a collection account on my report on XX/XX/XXXX. The only contact I and my wife received from Phoenix was via email. ( See attached ). The information was disputed with each credit bureau on XX/XX/XXXX. They did provide information concerning the validation of the debt. The debt was disputed directly with XXXX XXXX XXXX and Phoenix Recovery Group on XX/XX/XXXX via fax and mail.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (MS)

My wife " had '' A total XXXX XXXX. I was a user on her account. It was closed out for non payment. We started working on our credit. I was approved for a total XXXX card with my wife as a user. The card is 5 or 6 months old. XXXX charge on card each month. 300.00 limit. I pay 40 or 50 monthly yet my available credit never goes down. I am never given full use if the card. My wife believes they are taking our payments and applying them to her old credit card charges that have been charged off and the card sold to a debt collector. The company will no longer acknowledge my wife as a user on this account, they won't give me access to my statements online or via phone. I Believe we are being fraudulently used by the credit card company. And they refuse to remove my wife 's information with me as a user on her old card.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2023-04-03
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: TD BANK US HOLDING COMPANY (TX)

I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/2023 with XXXX XXXX XXXX for which I believe is a Bank loan. that The address and phone number is listed as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/2023 is Target Fin/TD-PRVTE LABL, with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. 

I personally feel that it is the same two individuals that attempted to secure the previous accounts.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I put in a dispute with transunion in XX/XX/XXXX about XXXX  XXXX because they still have an account on my credit report from XXXX. The account has been closed since XXXX and the issue never got resolved. I put in a dispute again for the same issue in XX/XX/XXXX and it said I was accurate with the account being to old and closed and transunion would update it but never did. And XXXX  XXXX wont remove it off my credit either after i have called them multiple times as well.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (OK)

On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and Unifin ( they were hired by XXXX XXXX XXXX XXXX said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the Zero balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a zero balance letter, but they only seem to be having me run around in circles
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX  XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
2. 1681i. Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.
Consumer complaint received 2021-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC (IL)

I was originally told in XXXX of 2018 that my annual percentage rate would be 17 % over five years. This has been completely changed by the company without my consent or knowledge and I am now being told that my annual percentage rate is 18.39 % over seven years. After reaching out to BHG with my concerns, I was totally ignored and my problems were treated as insignificant. BHG is an unorganized, unprofessional, and unkind company to get a loan from.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Genesis Credit Management, LLC (WA)

On XX/XX/XXXX, I received a call from Genesis Credit Management, specifically an individual named XXXX XXXX. He called to tell me that I owed $ XXXX for a judgment that was already settled. When I advised him that I had an attorney who was retained & told him the first name of my attorney ( I was so stunned at his aggressive & threatening tone that I forgot the last name of my attorney ). He then began literally mocking me, saying " yeah, right. Everybody has an attorney. Just pay your bill, I know you don't have an attorney. '' I, again, stunned at his open mockery, told him that he can not talk to me like that. He again aggressively demanded that I just pay the money, that he knew I didn't really have an attorney. I tell him that, as an attorney myself, I knew my rights & that I would be filing a complaint against him. Mockingly, he says, " oh really, with who. '' I say a consumer protection bureau & he again mocks me, tells me just to pay the money I owe. The entire experience was not only humiliating, but horribly offensive. I have received no billing from Genesis Credit Management & no other indication, other than this horribly offensive, aggressive & threatening conversation with Mr. XXXX, that any amount is owed. After demanding to speak with his manager, she seemed somewhat more helpful, but I still dispute the validity of this debt. I gave her the phone number for my attorney & was FINALLY advised that since I had indicated that I was represented by an attorney, they have to consult with him.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (LA)

These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc (NC)

Following my workers comp XXXX on XX/XX/15 I began receiving an invoice for a XXXX  to XXXX  the XXXX  on my XXXX XXXX. I called XXXX and explained the charges are to be submitted to the Dept Of Labor. The company later sold the invoice to a collection company, XXXX XXXX XXXX XXXX for collection. This company was also notified of the case number for workers comp and they returned the debt to XXXX. The debt was again sold, this time to KLS Financial Svcs, who have harassed me relentlessly for an inflated collection amount that I am not responsible for. 

XXXX XXXX XXXX XXXX has allowed KLS to place a smear on my credit file and has not assisted me in removing this inaccurate information. Following the credit dispute process both XXXX  and XXXX  cleared my file, but XXXX  is expecting me to work it out on my own. 

I have complete documentation of my workers comp case file and request my credit file be cleared of this slanderous accusation about me.
Consumer complaint received 2015-10-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (AZ)

This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for housing on XX/XX/21 with XXXX XXXX properties for my relocation to XXXX XXXX, CA. Once I approved, I received my lease agreement and was instructed by " XXXX XXXX '' property XXXX to send a deposit and first month 's rent to secure my housing. I sent an online deposit for {$5000.00} to the instructed bank account. Once I arrived in XXXX XXXX, the property XXXX was to meet me at the residence with the keys. He never showed up and I found out the apartment was not real. He scammed me out of {$5000.00}. I filed a police report, XXXX # XXXX with XXXX XXXX Police department and contacted Bank of America to file a claim. I have not received any success with getting my money back
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I HAVE ASKED CAPITAL ONE ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XXXX-XXXX XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. CAPITAL ONE HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The credit bureaus are publishing invalid information according to FCRA 1681 i, a, b, c, j. I am a consumer and have a right to fair reporting. If you review my credit report, you will see inaccuracies across all 3 bureaus. Each bureau is reporting inaccurate information. XXXX XXXX XXXX  is reporting a " Voluntary surrender. '' This is invalid information and legally MUST be removed from my credit report. XXXX is a fraudulent account and MUST be removed from my credit bureaus. XXXX XXXX is a fraudulent account that is showing many inconsistencies and MUST be removed. XXXX XXXX XXXX is a fraudulent account must be removed. XXXX is frauduluent must be removed. A plus federal credit uninion is showing many inconsistencies and MUST be removed from my credit report it is in violation of FCRA rules. XXXX XXXX XXXX XXXX is also publishing false information and must be removed.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The FCRA states that it is TRANSUNION 's duty to report correct and accurate information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include 120 days past due on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payment results in TRANSUNION violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give TRANSUNION written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is very clear that TRANSUNION has violated my consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I have XXXX credit cards with home depot. I normally pay my bills in full each month. Last month, I missed paying the bill on XXXX of the cards. When I recieved my new statement and noted my error, I also noted the bill was now not due until XXXX and the late payment fee was XXXX. Since XXXX XXXX I have recieved no less than XXXX phone calls from CITI wanting money. I have verbally advised them they are harrasing me and requested they stop. They have not. This is not accpeptable behavior for a credit card company.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus Experian, XXXX, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
These are the following companies and accounts numbers for Experian : XXXX XXXX  XXXX Balance {$3900.00} -XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX XXXX XXXX {$560.00} -XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$600.00} -XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXX XXXX Balance {$3000.00} -XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX XXXXXXXXxBalance {$12000.00} XXXX XXXX  XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX  XXXX {$3700.00}
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (MI)

My wife of 4 years had substandard credit and I co-signed a loan with her for a new Honda 2 years ago financed through American Honda. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted American Honda and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate.

I would say that this approach by American Honda is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (PA)

I processed and received a prepaid VISA card from XXXX  sometime after XXXX. The amount should have been {$70.00}. 

I went to activate the card and can not because the expiration date is already passed XX/XX/2021. According to PA law, an expiration date of less than a year from issue is illegal. 

XXXX XXXX XXXXXXXXand-XXXX XXXX : ~ : text=The % XXXX % XXXX % XXXX % XXXX, for % XXXX % XXXX % 2012 % XXXX. 

I called MyXXXX the company who issued the VISA and they state that I can not be reissued a new card. The money on the card is forfeit and I have no recourse to fix the situation. When I stated that the law and their policies are at odds, the woman scoffed at me on the phone and said there's nothing they can do. 

I've attached a copy of the invoice I submitted to verify the purchase date that went along with the rebate. Assume most of these cards take 6-8 weeks to process and be shipped, the card had maybe a 9 months before it expired. 

I'd like to know how to get my money back or warn others not to trust this company 's cards as they will rob you blind.
Consumer complaint received 2019-02-19
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 had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the  disputed issue.