davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information with all three consumer reporting agencies : Transunion ; XXXX ; XXXX has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information
Consumer complaint received 2020-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (NY)

Im a resident of NYS. Per NYS laws, personal loan institutions are not allowed to charge more than 16 % interest per annum. On or about XX/XX/19, I was having financial problems and applied for a loan through XXXX XXXX. Avant offered me a loan of {$10000.00} ( ID # XXXX ) payable in 24 installments automatically deducted from my bank account for {$570.00}. Approximately {$500.00} was kept by Avant and I received around {$10000.00} of the {$10000.00} loan. After making a few payments, I noticed that my principle wasnt going down. On Thursday, XX/XX/XXXX, I called Avant and asked for my interest rate and my daily percentage rate. I was told that my interest rate is 32.95 % and my DPR is .07569863. Neither of those rates include the approx. {$500.00} kept by Avant. When applying for the loan, I wasnt told there would be a DPR or that the {$500.00} they kept wasnt included in the interest rate. I also wasnt aware that NYS limits the amount of interest that can be charged and possible criminal usury laws. It may have been in the fine print but the loan contract was so long and small print and difficult to read and I can not find a copy of the original contract on my online account. I believe in addition to violating NYS laws, Avant is also using predatory lending practices and targeting individuals who are in financial distress. As a XXXX XXXX woman, I am also a minority. I havent missed a single payment. I believe Ive made 8 payments and most of those payments have gone towards interest, not principle.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

Explained finances were reduced during pandemic and denied assistance during the time account was active. Balance due is inaccurate. 
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] : ( k ) Adverse Action i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ;
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by capital one. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$3600.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (MD)

I made an agreement with FORTIVA so they can provide security service at the house. They told me that monthly payment would be {$15.00} for 2 years, this was on 2019 but they have been charging {$49.00} every month since then and the charge is coming from XXXX not from FORTIVA. They never sent me the contract so I called them and I tried to cancel the service but FORTIVA is asking for {$390.00} so they can continue and the second company XXXX is asking for {$880.00}. This is an abuse because they never mentioned that there were 2 companies involve and they said that they only charge would be {$15.00}. Can you please let us know if there is something that we can do? they are not whiling to help and they are just asking for us to pay. 

Than you in advance.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, US Dept of EDXXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # 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 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX account number XXXX, XXXX  XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX account Number 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
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been with the BB & T account for about a year.When I opened the account I have had difficulties depositing them at the ATMs and they are never good apart from that when I opened the account they did not inform me that when you make a deposit it has to be before XXXX at night and especially the banks enter a transaction they give the client until the next day to make the deposit I tried to make the deposit and could never have the facility to do it and what this bank does is take him The money to the clients only with a minute that passes you to make the deposit they have stolen {$290.00} in a course of a few days where when I opened the account I deposited XXXX XXXX dollars and today a few days ago I tried to deposit the money and for the reason that they joined XXXX XXXX the system does not recognize the debit card and that's why they steal your money I need you to please help me with that and demand that they give me my money back that bank everyone to him those with financial problems are stolen from clients
Consumer complaint received 2022-06-23
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. (TX)

It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while Experian and XXXX report it as a collection/charge off. XXXX and Experian are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/200 I received a notice from Amsher Compassionate Collections, stating that they're attempting to collect an amount of {$260.00} for XXXX. I emailed the back with proof of payment on XX/XX/2022 - showing my proof that this debt was paid. I made a first attempt to pay XXXX on XX/XX/2022 ( referemce # XXXX ), then I saw a refund of this on XX/XX/2022, from XXXX, I only noticed this issue because I received the notice on XX/XX/XXXX stating that I still owed. I made the payment on XX/XX/2022, of the amounts of XXXX ( reference number XXXX ) and was withdrawn from my account on XX/XX/2022. I emailed Amsher collections with a follow up on XX/XX/2022, and requested confirmation of receiving the email because I did not hear back from them within the first email and on my follow up email XXXX XXXX ( XXXX ) responded and confirmedreceipt and stated it was forward over to client service department for review. I thought that this would be settled since I paid the debt owed to XXXX. However, I received another notice on XX/XX/2022 from my credit bureaus and XXXX that on XX/XX/2022, I was reported for a derogatory mark on my credit which knocked me down XXXX points, I resent another email XX/XX/2022, to XXXX XXXX and Amsher customer support email XXXX ( Also is in the notice they provided ). I have yet to hear back from anyone... Very poorly handled from XXXX XXXX Amsher.I would think given the name Amsher Compassionate Collections- you would think they actually care/ be what they're name as?
Consumer complaint received 2022-06-23
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)

It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while XXXX and Transunion report it as a collection/charge off. Transunion and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (PA)

My problem is with XXXX XXXX XXXX, It is a fraudulent company. 
It never allows me to get online and see my account. 
They consistently increase my balance and I haven't used my card. They only send spam and the online acct system NEVER works so I can nerver see my acct. 
It always sends me and all customers SPAM emails about late payment but my payments are not late. I have to call in my payments My last payment was on XX/XX/XXXX for {$68.00} by phone and and one week later they mailed me a letter and a bill for {$150.00} saying I was late but my next payment wasn't due till the end of XXXX. 
They frequently claim their system is down and can not give account info and as of this month ( XX/XX/2022 ), they say this to their customers everyday. 
They also refused to close my account and continue to raise my balance even though I have not used my card in months.. 
I have also reported them to the XXXX  I am trying to build my credit after Covid and I don't know what to do I just want to close my account ASAP Thank You
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

On XX/XX/XXXX, I was served a notice from Crown Asset Management LLC as ssignee of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Regarding a XXXX account with an account number ending in XXXX. 

The information displayed on the XXXX statement from XX/XX/XXXX is not my information. It has XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 

I have never lived at XXXX XXXX XXXX, XXXX, Ga XXXX. This address is no where in my credit profile. 

I do have a XXXX account ending in XXXX. That was originally owned by XXXX bank and was sold to XXXX XXXX. This account is current has been open since XXXX. 

This legal document has been filed with the Magistrate court of XXXX XXXX XXXX XXXX Georgia. 
1. It has never been presented to me to dispute until today as a notice to appear in court. 
2. It's not my account. My XXXX account is still active and in good standing.
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : 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 EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYEE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADDRESS : 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  Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPTEDXXXX  XXXX Delete this account. 
XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

Ive had XXXX payroll checks deposited into my account. Each of which they have placed holds on my account and the check. They have just taken every XXXX from my account saying the funds weren't available. I have gone to the branch and they refuse to help and i have spoken to XXXX loss prevention supervisors over the phone XXXX of which hung up with me. Ive requested to speak with a department manager and have yet to receive a call. Ive been told multiple lies and they have not resolved the problem. Im looking to hire a lawyer to resolve this issue for time loss and also damages because they have taken my money that i have worked for, how will i pay my bills, my mortgage?
Consumer complaint received 2022-06-23
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. (NC)

Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IA)

Hello this is XXXX XXXX and my account is locked and ive tried multiple times to get it unlocked to no prevail. 

My account was locked after i deposited XXXX in cash into the atm and im requesting my account be closed and a cashiers check mailed to me. ive had an awful experience with this bank and its support and fraud team not being helpful at all.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2021, I applied for a Bank of America Secured Credit Card in the amount of {$1000.00}. My {$1000.00} was to be deducted from my checking account when approved. Bank of America denied me the Secured Credit card with no good reason. Bank of America is falsely advertising by offering a secured credits card to rebuild credit.
Consumer complaint received 2022-06-23
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: General Motors Financial Company, Inc. (GA)

There was a car loan opened with someone in my family. They paid off this account and before that they filed bankruptcy. This was in XX/XX/2015. This account was put on my account and I had no knowledge of it. I have tried to fix it with the credit bureaus, even after the seven years and they have done nothing to fix the situation. The company is GM Financial and they are not accurate. They also gave this inaccurate Information to a third party. The XXXX account number is XXXX
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received two credit hard inquiries on my credit report on XX/XX/2021. One was from KOHLS/CAPONE and the other from XXXX within 1 minute of each other. I have not applied for a credit card with either of these stores and I feel I am a victim of identity fraud. I contacted XXXX to investigate and have the inquiries taken off my credit report. A rep at XXXX told me to file a fraud report with the FTC/CFPB.