davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation (OK)

I originally made a complaint about this in XXXX. The CFPB received a response from Aspire that was riddled with lies, but instead of pursing the claim, the facts, and addressing the issue, the CFPB just closed the case. I'm going to keep opening this until the CFPB does what it is obligated todo : investigate and take action against predatory companies. 

On XX/XX/2022 I received a physical document from Aspire credit card stating that I had been pre approved for a credit card and directing me to accept the card by completing a document on www.aspirecreditcard.com. Upon completion it did a hard inquiry of my credit report with XXXX which resulted in my credit score dropping from XXXX to XXXX ( according to XXXX ). The website generated a message stating that it would not grant the credit card, and autogenerated an email stating that my credit score had changed since the offer was sent and they would not honor the guaranteed, preapproved credit card. Now, I'm stuck with a hard inquiry on my credit report which has an actual monetary consequence to me. Various interest rates are dictated by my credit score so a XXXX point drop in my credit score may cost me XXXX  of dollars in the next two years ( the time it takes the hard inquiry to drop from credit report ), and Aspire has just lied to me and caused monetary damage to me. Further, they provide no mechanism for addressing the issue. The phone number listed on the document and their website leads to an automated call answering system with only a set of recorded responses.
Consumer complaint received 2022-09-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (DE)

Applied for a pre-approval on home mortgage. Submitted the necessary documents to the mortgage consultant of M & T Bank in XXXX DE approximately XX/XX/XXXX. I received numerous phone calls which I deemed condescending and derogatory. Follow ups and clarifications were addressed however I never received any correspondence stating my pre approval was awarded or denied. I received via USPS one letter dated XX/XX/XXXX thanking me for applying for credit at the bank and how my credit score will be used. Nothing else was sent nor did I receive any calls.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (OH)

I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * First Federal Credit : Account Number : # XXXX For all 3 credit Bureaus * XXXX XXXX XXXX  XXXX Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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 2020-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BONDED ADJUSTMENT COMPANY (WA)

Bonded Adjustment has called family and friends only stating " it's a financial matter ''. The individuals who called refused to identify them selves or their company. I was told they used a threatening tone, rude, and passive aggressive language when telling an acquaintance I  needed to call them at XXXX. I XXXX  the number to find out who the person was and it came up under Bonded Adjustment.

I have had dealings with these people in the past and the old woman whom I spoke with told me they were going to garnish my wages and keep garnishing until they got all they are owed. She also stated it will take a while because they will continue to add interest to the unpaid portion.

I have received several calls in a day, multiple calls through the week from different numbers related to Bonded Adjustment. The identity  registered " UNKNOWN '. The calls seem to be more frequent since the plague has stricken the economy! In my opinion, if they were doing things legit, why do they feel they need conceal their identity? Also, they use the same tactics as scammers and identity thieves. If any response is " yes '' they take it and run with it makin

g the lives of consumers a living hell!! That is how they trapped me a few years ago when I answered a call " UNKNOWN ''. I
was asked my name, if the number called was mine, birth date and the woman hung up. The next thing I knew, my savings account was minimal. It took me a while to find Bonded Adjustment was in my account!! 

When I moved in to an apartment, I couldn't get power due to a bill I had forgotten about in the midst of moving. I tried to pay the power company but was told I had to pay Bonded Adjustment. When I called to pay the outstanding electric bill, the woman who answered would NOT accept the payment unless I paid in full from an account I had no knowledge of from several years prior. When I stated I need make my car payment, she responded " you better borrow some money, or find another way to make tour car payment or you won ; t have any power! '' They are still at it today using similar schemes and tactics a bit more advanced and updated with artificial intelligence!!
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Financial Services Solutions, Inc. (MO)

Beyond Finance, Inc. promised to negotiate the settlement of my credit card accounts that qualified for the credit reduction program, which I enrolled in XX/XX/2019. After 19 months in the program, only one debt had been settled and paid off. After {$5500.00} I still did not get the settlement on all 8 accounts. 

The company is using deceptive practices. I have contacted the company numerous times, only to get the runaround. I filed with Missouri Attorney General XXXXonsumer Protection Division, who sought to mitigate the process, but also got the run around until they recommend me suing them in small claims court or retain an attorney. 

The company ruined my credit, prior to joining the program I had not missed any payments on my credit card accounts. I was asked to miss 3 payments and my credit will be restored after 4 months. the missed payments were to be eligible for the program, only to find out that the company ( Beyond Finance ) only sought to settle the accounts after they had been charged off and interest and fees increase their percentage on recovery. AA total scram.
Consumer complaint received 2020-10-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/XXXX, I paid {$500.00} to Citizens Bank for my vehicle loan. On XX/XX/XXXX, I requested a deferment due to COVID. The deferment was approved for XXXX, XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I requested a 2nd deferment due to the pandemic still in effect. The XX/XX/XXXX deferment was implemented to cover XXXX, XXXX and XXXX. I returned the signed paperwork on XX/XX/XXXX, via email. I received an alert from XXXX XXXX at the end of XX/XX/XXXX that I was 60 days late on my auto loan and when I called to investigate, CITIZENS BANK could not locate my XX/XX/XXXX signature. I re-forwarded proof of the XX/XX/XXXX signature and confirmation email from XXXX that my signature was submitted. They opened a case and I filed a dispute with Citizens Bank and XXXX. 

On XX/XX/XXXX, I received another deferment form to sign. I signed, but the form did not indicate that it was a retroactive signature for the XX/XX/XXXX signed form that they did not process. They sent me a confirmation letter, correcting the XX/XX/XXXX days late on my account to " 0 DAYS LATE '' and further reported to the credit bureaus that I was on time. There is still a late fee on my account as of today, XX/XX/XXXX. When I inquired about the late fee, CITIZENS BANK indicates that it is still a legitimate charge and all the corrections they applied to my account are a courtesy to me, although it is an error on their part for failing to process my paperwork in a timely manner. This is my fourth/fifth time disputing the same information.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (WA)

US Bank has been deploying unethical practices in the way it interacts with consumers. In my case, I serve on the board of a non-profit that has a banking relationship with US Bank. We were told our account wouldn't have any fees, but it did so we requested to close our account. We followed their instructions and submitted the written request to close our accounts back in XXXX of XXXX. I've called in more than 8 times over the last 3 months to get updates because they never respond via the email they instructed we send the notification to. During this time they've continued to charge fees. I call in again and they ask me to send the same form, which I comply and send again ( I've sent the form 3 or 4 times now ). After 3 months I finally get a response to my email saying they can't close my account because I've requested the fees be refunded and I need to call on that. Interestingly enough, I had already called on that, but they didn't say I had to call a separate department to make that request as well. They're continuing to use delay tactics and charge fees. As of today the account is still not closed.
Consumer complaint received 2020-10-06
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. (FL)

THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (LA)

XXXX XXXX XXXX did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and XXXX XXXX XXXX has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.
Consumer complaint received 2020-10-06
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. (FL)

THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint # XXXX : XXXX reports inaccurate data. I never filed for Bankruptcy protection. My XXXX reports 1 public record that Does Not belong to me, and it was a same-name mixed file for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bankruptcy discharged, Original filing date XXXX XXXX, XXXX?? 

Complaint # XXXX XXXX reports inaccurate data. XXXX XXXX ( CLOSED ) ( NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status UNAVAILABLE Available Credit?? 

Complaint # XXXX XXXX reports inaccurate data. XXXX XXXX  ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit?? 

Complaint # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( CLOSED ) account 's reported balance?? NOT AUTHORIZED-FRAUD ) Complaint # XXXX XXXX XXXXXXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$9900.00} Account Status CHARGE_OFF?? 

Complaint # XXXX XXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX  Reported Balance {$0.00} Account Status OVER_120_DAYS_PAST_DUE Available Credit {$0.00}??
Consumer complaint received 2021-07-07
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. (VA)

I am stating that XXXX, Transunion, XXXX, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, Transunion, XXXX, and XXXX  are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to Discover through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, Transunion, XXXX, and XXXX  to not only delete any and everything from my consumer report in regard to Discover ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.

P.s, To whom it may concern I was never once notified in writing by XXXX XXXX XXXX.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: DriveTime (FL)

XXXX XXXX account # XXXX is reporting the following account on my consumer report as charged-off. 

According to IRS publication 4681-2022/1099c ( Persons who each receive a Form 1099-C showing the full amount of debt. Form 1099-C shows the entire amount of the canceled debt. The ordinary income from the cancellation of debt ( the excess of the canceled debt over the FMV of the property ) must be included in your gross income reported on your tax return unless one of the exceptions or exclusions described later applies. You must report this income on your return unless certain exceptions or exclusions apply. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in XXXX  XXXX. 

A total of {$5900.00} was charged off ; and {$1300.00} was written.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Had to get into a yelling match with a Bank of America Customer service in the closed account section. I was transferred very politely on the initial call, then the second representative answered, apparently irritated by her phone ringing for 15 minutes, maybe more. Yes, I did let it ring that long and yes it did take 15 minutes for an actual person to answer the ringing. Then she and I proceeded to yell over each other, after she told me she could not fix my account. I asked her to send me to a person who could, she told me she would and I was promptly hung up on. I dont think its unreasonable to ask a very large bank to stop automatic payments after your account is paid in full. And I think its borderline criminal for them to continue to do so after Ive requested them to stop, knowing full well the account is closed and paid off.
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (CA)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

ACIMA XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Sequium Asset Solutions , LLC has been reporting a debt that is not familiar to me.The debt is for a XXXX XXXX bill that they claim I owe. I have repeatedly attempted to dispute this company off my credit and they always return as " verified ''. I have called them and asked them to send me the " verification '' documents they are using to retain their company on my report however they state that they can not provide that information to me that they can not locate me in their system and that I have to call the company that they are collecting on behalf of for those docs. Because they ( Sequim ) are reporting to the credit bureaus and are the ones trashing my credit score and are the ones who are reporting that this " debt '' that is allegedly owed is " accurate '', I feel they are incorrectly and misrepresenting themselves to the credit bureaus.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My personal information is inaccurate. 

XXXX. My name is XXXX XXXX XXXX. Also known as XXXX XXXX XXXX. I no longer work at XXXX XXXX XXXX XXXX. Never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX