davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-04
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. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2018-03-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I began calling the company several times in the weeks leading up to the end of the lease. I requested a payoff amount so that I could purchase the car outright. I was told that I would receive the information in the mail. It took at least 10 calls to get someone to give me even a ballpark figure to pay the car off. I finally  could not wait any longer, as my lease was expiring at the end of XXXX, so I sent a check for around {$17000.00}, a figure I came to based on payments through the years. This meant that I paid over {$30000.00} total for a car whose value is around {$16000.00}. Yet the only thing I received was telephone calls from XXXX of XXXX telling me that, since I was a " loyal '' customer, I could turn the car in and get another leased car. This was not what I wanted. I never received any kind of receipt for the {$17000.00}, but the calls from XXXX of XXXX did stop at my request. Since then, I have called Toyota Financial and have been told that documentation for my payoff were sent to me, XXXX at the wrong address ) but were returned to them. They said it is against their policy to send them again, even though they have my correct address. It is the same address I have been using to pay them every month. 
I NEED the documentation that the car was paid off in order to change the title from XXXX of XXXX being the owner of the car. 
The last time I called, I talked to someone on XX/XX/XXXX, and told her to please send me the documentation that my car was paid off, the DMV was notified, and that all fees were paid in order for me to own the car. She did not speak enough English and the telephone connection was very bad, so she hung up before giving me any indication that the documentation would be sent to me.
Consumer complaint received 2019-04-26
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. (MO)

After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 ) XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX XXXX XXXX, ( # 5 ) XXXX XXXX XXXX {$350.00}
Consumer complaint received 2022-02-04
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX provided the service of labs that were over priced. I did not know the cost of the labs before they were done, and in XX/XX/XXXX I wrote as requested, and they keep sending me notices. Below is my correspondence : We do not want XXXX or anybody else to contact us on this bill anymore. We did call as stated below We called XXXX wanting to pay A reasonable amount at 100 % of Medicares allowable for the lab procedure at {$23.00} but the operator said they can make no adjustments When we received the request to have a lab procedure we were not presented with the {$93.00} charge so we are overwhelmed by the amount and so we researched and found that this type of surprise billing is something thats not supposed to happen. So we researched and we would like to pay As stated above {$23.00}. 

But the operator said they can make no adjustments
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OR)

I wrote to Equifax in XX/XX/XXXX, I asked them to Verify My account information, I had a Home Loan XXXX & XXXX which XXXX co. had reported Late FIRST in XX/XX/XXXX, I asked The Name & Contact info. to be provided, in XX/XX/XXXX, They stated it was verified, They Equifax also reported XXXX XXXX # XXXX they record high amount as {$9900.00} noted see copy of report says status charged off .. It is implied they charged off the whole {$9900.00} NOT accurate, The bureau 's refuse to verify information, they just send out canned letters hoping people will go away.. It is ok for them to post anything they want on your credit, The Law Says, The Credit Info. provider 's have XXXX days to provide corrected info. and its up to " US '' as consumers to provide Information, It is now XXXX days, they addressed Nothing.. The Fair Credit laws are clear, they do not intend on following the law. see copies to show how the information was reported.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (FL)

Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Have contacted you a few times about strange charges on my card. It looks like your files have been hijacked and some strange merchants are charging my account. 2 of them have been successfully canceled but one form XXXX for {$110.00} keeps on repeating. Together with your rep, we have contacted the merchant and he could not give any details about the charge. Your rep agreed that this is not legitimated charge and reversed the charge. but the same amount came on again later. Again contacted XXXX but nothing happened. Went to the local bank and the branch XXXX called you and assured me that I will get a new card and phoned XXXX and agreed that the whole conversation with XXXX indicates fraud. Nothing happened. Went again to the Chase bank and the assistant vice president phoned XXXX and assured me that the problem is solved and I will get a new card. Checked my balance and credit for that amount was given but the new card did not arrive. When receiving info about the card statement I have noticed that the amount was charged again. A merchant refuses to send me information about their grocery charge, I did not order anything from XXXX and contrary to all assurances for XXXX and Chase - nothing is happening. I will appreciate a speedy response to this fraudulent charge and credit on my account- so many times promised.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX Opened my Student checking and savings account at Citibank, XXXX XXXX CA branch. 
The banker XXXX explained that the account is free, so I believed it was a free account. 

XXXX. XXXX Citibank started charging a monthly service fee without notice. I had a balance of {$300.00} in the checking accout. 

XXXX. XXXX I received a letter saying there 's not enough funds in my checking account and that I was being charged an overdraft fee of {$34.00}. Because my {$300.00} balance had been used to pay the monthly service fee and my account was now overdrawn. 

XXXX. XXXX XXXX I went to the Citibank XXXX XXXX branch and asked them to refund all monthly service fee ( {$12.00} times 16 months = {$190.00} ) and the overdraft fee ( {$34.00} ). After speaking with the branch manager, XXXX, she refused and said they would only refund for 3 months service fees. They explained that the account was not free and the banker opened a normal account instead of a student account which is free. 

XXXX. XXXX XXXX I contacted the Citibank customer service center and I tried to negotiate a refund of the service fees. The representative processed a refund for 1 month of service fees ( {$12.00} ) without my agreement. I asked them to cancel this refund because I did not agree with it but they said they ca n't. 

Summary : I was taken advantage of by the Citibank XXXX XXXX branch when opening my student account. There was no notification of me being charged fees and after asking them multiple times to refund my money they 've refused. I did n't use this account as I was told it was free, I only checked their e-statements the first few months.
Consumer complaint received 2022-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK (MA)

I had a home equity loan with First Horizon Bank ( XXXX ) that is being reported to the credit bureau agencies as a " Charge Off ''. This account was sold in its entirety to XXXX XXXX XXXX  on or about the end of year 2020. This account should not be reported as a charge off ; it was transferred or sold in its entirety and is a current account with XXXX. 

No amount of this balance was ever forgiven, or " charged off ''. This misreporting is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-04
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. (PA)

On XXXX XXXX I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX  about the XXXX XXXX XXXX card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where XXXX, XXXX, and Experian is getting my information from if XXXX XXXX XXXX  said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE
Consumer complaint received 2021-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECKredi of Kentucky, LLC (WY)

CheckRedi, the company that the complaint is written about has taken to deceptive practices, They fail to notify in writing about any debt, and commence with the harassing phone calls. When told to stop the phone calls, the phone calls actually begin to increase through the day. They claim to send their notices via email, which is not an actual letter. However, I have never received a letter from them, and have even checked my junk folder in my email. Their practices are deceptive, their agents make threats, and they run multiple charges against your bank account and add predatory charges to each charge. a XXXX dollar drink that was charged incorrectly by them resulted in XXXX dollars in fees.
Consumer complaint received 2016-03-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo continue to charge me late fees on a vehicle that was totaled loss on XXXX XXXX, XXXX and the payment on the account was due XXXX XXXX, XXXX. This was a vehicle that had been refinanced through Wells Fargo. My insurance paid the vehicle off XX/XX/XXXX and the remaining balance was paid in XXXX XXXX all but XXXX. Wells Fargo has charged off on account on XXXX XXXX, XXXX.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (PA)

On XXXX XXXX I received a letter from the presidential office of XXXX XXXX XXXX  about the XXXX XXXX XXXX  card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where XXXX, Equifax, and XXXX is getting my information from if XXXX XXXX XXXX  said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE
Consumer complaint received 2015-07-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX/XXXX/15 about XXXX. I stopped at an ATM to deposit cash ( {$620.00} ) into my account, well the ATM took my money and did not add it to my account nor did it give me a receipt. I tried multiple times to try and get it to add the money to my account/ spit the money back out or to at least give me a receipt and it did n't do either. I immediately went into the bank 's location and tried to get someone to check the machine and give me my money back, I was told by XXXX of the personal bankers that I would have to wait for an ATM tech to come out and audit the machine, I then asked when would that be and he could n't tell me. I was n't satisfied with that answer so he then went to the bank 's manager and told her the situation and she stated the same thing that I would have to wait for the ATM tech and again I asked when would that be and she could not give me the answer either. Still not satisfied I went to my car and called the XXXX number and spoke with a CSR who also said that there was nothing she could do and then gave me a claim number. Frustrated I went on to work and logged into my account and I sent an email concerning my situation/frustration. I then had XXXX reps to contact me the following day stating that they received my email and that someone was working on it. They then sent a letter a couple of days later saying that they would temporarily give me the money that I put in the ATM - at that point I was ok because of course I had bills to pay. Then on XXXX/XXXX/15 I find out that they took the money back saying that during their investigation they did n't find anything out of order and said that they sent me a letter that I had not received, I received it later on XXXX and of course I was back on the phone again XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15. During the course of speaking with some of the CSR 's they said that they could see where I was at the ATM but could n't confirm that I put in the amount that was stated. Needless to say I was/am furious ... During my conversation with each of these XXXX 's I 've been able to tell them exactly what I put in the machine and no one is believing me. I have since been told that they are working on the claim again trying to see if there was some fraud of some sort. I 've never been involved with anything of that nature. I 've been with this bank for many many years and have never had any problems of this sort and I 'm furious that they would not send anyone to open the ATM at that moment which would have cleared all of this up. I have asked for a copy of the research documents/photos and was told to call back, when I called back I had to leave my name and number and no one has called me back to this day XXXX/XXXX/15 and I am very upset. I have names, numbers, dates and times of each and every person that I have talked to but it seems as if they are not listening to me and brushing me off. I do not have {$620.00} to give a way and I will not let this rest. Please help me resolve this issue.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (MS)

This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it.
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (MO)

Two years ago, XXXX overcharged me for internet access. I called them and complained, they apologized and said they would fix it, but did n't. We repeated this process each month for a few months, with me paying what I actually owed, and XXXX charging late fees on money I did n't owe in the first place, until I canceled my service and reported them to the Missouri state attorney general 's office. They actually owed me about {$7.00}, but instead they sold my erroneous " debt '' of about {$180.00} to a collection agency who then sold it to another collection agency. Now I get robo-calls XXXX a day to my cell phone from the number XXXX. They sometimes leave a message, but usually do n't, and when I do answer it is a recording.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian has been difficult for me to deal with, and I am quite frankly fed up with this head game. The last report i had sent in was regarding them stealing from my bank debit card which prompted the bank to close it down, this has happened before with an encounter on XXXX, the problem with these web sites and others out there is they do not keep an eye out, its all done with " system reliance '' its easy to blame a machine however its a human that causes it. Anyhow as regards to that I removed membership as Experian continues to botch things up and has more excuses than a child that lies to avoid being caught/ This problem now is with the closing of 2 credit card accounts through XXXX Bank XXXX one was closed months ago and was immediately stated as CLOSED with a XXXX balance, the 2nd one was closed in 3rd week of XXXX, its now the 2nd week of XXXX, and i was told the report would read closed by XX/XX/2022 - Well here 's the kicker ; XXXX and XXXX XXXX Both I REPEAT BOTH! have listed XXXX Bank accounts CLOSED and XXXX BALANCE, but Experian wants to act out like a XXXX kid throwing a tantrum. 
If there was a way to eliminate them from my life i certainly would seize the opportunity, all they have done is create problems over and over, one lie after another. And i have had enough!