davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AVANTE (FL)

Avante USA has opened two old accounts from XXXX as brand new accounts on my credit report. This action will extend the amount of time that the accounts can legally report on my credit report and makes me appear high risk to lenders with new collections accounts reporting.
Consumer complaint received 2020-04-25
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. (NV)

Submitted a dispute for hard inquiries from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These inquiries are not connected to open accounts. These inquiries were unauthorized.
Consumer complaint received 2020-04-25
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: Santander Consumer USA Holdings Inc. (SC)

I recently bought my car with my partner on XX/XX/XXXXMy credit was pulled, but the car place ended up using my partner 's credit and now I have all these inquiries from these loan places and I did not consent to those. I am confused as to why these inquiries are still here when it can be seen that his credit was used for the car and not mine. Starting on XXXX XXXX, my credit was pulled 5 separate times without my consent.
Consumer complaint received 2020-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Financial Services (FL)

I have tried to reach out to the creditor and no response since XXXX of 2020 for the amount of {$8700.00}. this is causing many difficulties in my credit to purchase things for myself and my family.
Consumer complaint received 2020-01-31
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. (AR)

I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

( 1 ) On XX/XX/2020 XXXX, COMPLAINTANT has successfully created a set of checking and saving accounts with PenFed. All required documents and SSN information were used to create the account, access mobile banking subsequently and to unlock using automated means. 
( 2 ) However, online access was suddenly blocked on XX/XX/2020XXXX  by PenFed employees. Employees stated that, although enrollment process did not require such documents, COMPLAINTANT needs to send utility bills, SSN card and photo ID in order to unlock the account. There was no automated text or email generated but it wasn't until COMPLAINTANT 's attempt to login again, when he found he account locked manually. 
( 3 ) Initial deposit and a credit card application were successfully made before the lock, marking the successful login and usage before the manual lock placed by PenFed employees. 
( 4 ) COMPLAINTANT called a few times ( XX/XX/2020Monday  XXXX XXXX  PST XXXX XXXX  EST,XX/XX/2020 Friday  XXXX XXXX  XXXX XXXX  EST, XX/XX/Saturday  XXXX XXXX XXXX  PST XXXX XXXX EST, XX/XX/Tuesday  XXXX XXXX  PST XXXX XXXX  EST ), until a simple unlock was executed by an employee. 
( 5 ) Documents were emailed on XX/XX/2020 and again on XX/XX/2020after representative suddenly claimed that days after assured review, that PenFed can't open the attached image files. 
( 6 ) COMPLAINTANT wonders why PenFed has not notified him of this issue on XX/XX/2020, or wait to unlock the account until COMPLAINTANT had to call again on XX/XX/2020 Wednesday XXXX XXXX  PST ( including PST XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX  later ). ( 7 ) OnXX/XX/Sun  : Utility Bill/Vehicle, Paystubs, SSN card and photo ID ( for credit card from email template ) ( 8 ) On XX/XX/2020 Tue  : COLOR Photo ID, COLOR Utility Bill, COLOR SSN Letter with address were listed on manually composed email. 
( 9 ) On XX/XX/2020Wed  : Photo ID, SSN card, Utility Bill on a manually composed email. 
( 10 ) XX/XX/2020 Wed  : Photo ID, Paystubs for a " conditionally approved '' credit card application that was manually composed. 
( 11 ) PenFed 's debit card is linked in XXXX transfer service, however, transactions are randomly jammed from time to time. 
( 12 ) PenFed may show that it also requires additional documentations to unlock other accounts when its enrollment webpage does not require those itself to make an account or unlock when the lock was placed by its automated system. ( Or as to whether it needs COMPLAINTANT/customer to constantly call in to ask its employees to execute the unlock process, while its employees have no problem doing such tasks on their own without constantly having users to call in to remind them ). COMPLAINTANT is baffled as to why PenFed employees had to create this situation artificially in order to portray the COMPLAINTANT as calling them incessantly.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report Synchrony says they own my account The account number they have is not my account number. I never opened an account with Synchrony bank and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the Synchrony bank
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

XXXX XXXX XXXX is trying to access my information with my consent to do so. I want to use my debt card to round up my purchases to use the rounded up change to invest in my portfolio with XXXX. 
XXXX has requested me to file this complaint so that we as the consumer have a right to choose whether or not to allow these 3rd parties to use our financial institutions instead of our financial institutions making that decision for us.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Gerald E Moore & Associates, PC (NY)

I have written this week regarding XXXX XXXX and XXXX XXXX seeking financial remuneration for unknown when they as a XXXX person by XXXX XXXX refused to relocate me to another unit and caused constant backups in the ground floor rust and rotted low income housing complex I moved to and constant chaos. The bathtub backed up with black soot or tar and finally had to leave, withheld my rent and they decided to want to sue me in housing court to evict me. I refused to endure any more duress, had relocated as It was affordable had just lost my home after 20 years and my mother fell ill and was traveling back and forth in addition to having them become privy to my attempts to file for public assistance to cover my moving costs as they made me wait almost a month for an inspector report that they did not schedule costing me hotel and further living costs that were to pay towards my moving that is still sitting in storage as I became XXXX and was denied five or six apartments by further sabotage and subsequent credit cards and other items by placing on my credit report. They refuse to stop and it is continuous. XXXX XXXX XXXX XXXX services assisted and vacated the apartment by XX/XX/19, left, traveled around cane back to donate and put the remainder of my stuff in storage to date and my mother died a few weeks later. All to continue to perpetuate hatred.
Consumer complaint received 2020-04-25
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. (MS)

I submitted a request to Experian for an old deragatory mark from XXXX XXXX to be removed from my report on XX/XX/2020. On XX/XX/2020 the item had not been removed, but the investigation made my XXXX  score decrease by 22 points. That is not fair.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (AZ)

date : XX/XX/2020amount : {$48.00} I created an account to monitor my credit & was surprised to see a collection from SOUTHWEST CREDIT SYSTEMS which has dropped my score significantly. Ive received no phone calls or contact via USPS mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OR)

When a credit report inquiry was pulled by XXXX in XX/XX/XXXX, I did not receive the credit card and was notified that I did not receive this card due to " delinquent obligations ' on my credit report. I have excellent credit. I recently was approved for a car loan, with no issues whatsoever. When I received the letter regarding the rejection of credit I contacted the 3 credit reporting bureaus and pulled a report. I was shocked to find 6 collections from the same company. Upon further investigation, the collection Company : CBE Group, was given this information or information was turned over by a company XXXX XXXX XXXX '. Upon FURTHER investigation, this company exists in UTAH, where I haven't lived since XXXX of XXXX. The 'debt ' date is showing XX/XX/XXXX. I disputed the 6 collection accounts, and 4 were removed recently ( XX/XX/XXXX ), but two still remain : a {$300.00}, amount and a {$620.00}. amount. Both 'account numbers ' are the same. 
I am 'told ' that this is all I can do since they ( CBE Group ) are holding fast to me owing a debt I have NEVER heard about until this initial credit inquiry in XXXX. I wish to complain, request these to be removed, and also wish to have a note added to my credit report that I am and continue to DISPUTE these accounts as NOT MINE. I was not in Utah in XXXX, and there is not a company here in OREGON ( where I have lived since XX/XX/XXXX ) that operates under that name. I have excellent credit and have worked very hard to maintain that status. I believe this information to be erroneous, and want it removed ( not just 'disputed ' and still listed ... removed please ). Thank you
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I have a Southwest Rapid Rewards Credit Card. On XX/XX/2020 I contacted the credit card company to find out what my complete balance was including any fees, interest, late charges ( or any fees because there are so many I can't keep track ). I called and spoke with a customer service person and I specifically asked what is my balance and fees do I owe completely. They explained to me that I owed completely {$1400.00}. I explained to them that I intended to pay off the entire balance by that Friday XX/XX/2020. The customer service person told me that if I paid off that balance by that Friday, there would be no additional charges and or fees. I paid off the balance as I promised. Then on Friday XX/XX/2020, I'm charged {$13.00} for a PURCHASE INTEREST CHARGE. I didn't make any purchases after I paid off the balance and I specifically asked the customer service person to tell me exactly everything I owe so how can I avoid these kinds of charges. This is ridiculous. I just feel like they are doing everything possible to keep taking money from me. At what point do I finally pay off this balance without me looking and discovering another arbitrary charge.
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC. (TX)

I started a loan agreement with Easy Cash ASAP on XX/XX/2020, for the amount of {$500.00}. The initial agreement was for 11 payments of {$130.00} for a total of just over {$1500.00}, if minimum payment was made on time as scheduled. However, it clearly states there is no early payment penalty. So, I started paying above the minimum to pay off early. My payments were as follows : XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XXXX - {$150.00} XX/XX/XXXX - {$130.00} For a total of {$710.00} Due to the Coronavirus outbreak, my job was affected and my pay was reduced significantly in the middle of XX/XX/XXXX. I informed Easy Cash of my situation and continued to make another payment before I simply could not afford another payment at that rate. I asked for a payoff amount for them while letting them know of my situation. They were not understanding or sympathetic to the situation and demanded that I pay them {$500.00} for the Principal of the payment. This would assume that I paid the {$700.00}, and none of it went towards my principal balance. I was calling to settle with them that day, and they refused to even acknowledge I paid anything to the principal. There was no working with them and since I have had a couple conversations over the phone and they have not budged. I have repeatedly told them that I would be happy to settle for if they worked with me on the number, but they were ripping me off. They are not going to work with me and have threatened through email and phone conversations to turn me over to collections unless the total amount of {$500.00} is paid immediately. At bare minimum I should owe them is {$340.00}, this would be {$20.00} for the first 3 payments, and {$40.00} for the next 2 payments counting towards my principal.

Easy Cash continues to send me text messages demanding their money, I call back and go through the same routine with them every time. I have tried reaching out to them through email, phone, and website help to resolve this issue, and nothing has been successful. 
It clearly states in my contract that I can pay my loan off early with no penalty. Why would my payoff amount be the same as my original principal after I had already paid the loan off 140 %??
Consumer complaint received 2020-04-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

On XX/XX/XXXX Nissan Motor Acceptance took out from my account {$240.00} of which {$5.00} was processing fee and {$240.00} was payment towards the balance. The confirmation number given to me by Nissan rep for this payment is # XXXX. Please investigate where Nissan posted this payment. It should have posted to the above named account # XXXX but didn't. The correct owed balance should be {$400.00} and not {$640.00}. If you need more information please don't hesitate to contact me at XXXX. I tried to resolve this with the company and they still cant seem to find my payment. I paid {$510.00} on XX/XX/XXXX to settle this account but the balance was still incorrect and nobody seems to know where my payment of {$240.00} went to. I called my bank and they gave me a trace number for transaction of # XXXX company that took payment was Nissan Motor acceptance XXXX XXXX XXXX XXXX Texas.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Jon Barry and Associates, Inc. (FL)

I had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, Paragon Revenue Group, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX  to remove it. XXXX still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because XXXX has ruined my credit score by keeping this incorrect information on my account.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Due to some past credit issues due to medical problems I have a credit card that has a higher interest rate with Capital One. The rate has and continues to be 22.99 %. This is despite the dramatic decrease in the prime rate I am being charged 22.99 %. In XX/XX/XXXX and XX/XX/2020 I had two late payments due to my income being impacted by COVID-19. I have a medical condition that places me in a vulnerable group. Ironically issues and medical bills is what placed me in a disadvantaged situation when trying to secure a credit card with a FAIR interest rate. At this time I was also assessed a {$39.00} membership fee. This is in addition to two late fees of {$38.00} each plus the {$39.00} fee plus 22.99 % interest. I called Capital One as according to their website " we are here to help. If you are impacted by COVID-19 let a customer service representative know '' Well I called. I spoke to XXXX who told me I do not qualify for any assistance. I asked to speak to a supervisor XXXX who also told me that there was nothing that could be done however he would see if I qualified for a skip a payment program. Sure. So Capitol One does NOT lose all the fees and now I get to pay 22.99 % interest on top of the fees that Capital One will still pocket. COVID-19 is devastating to this country yet Capital One is still and is making certain the continue to profit on the most vulnerable population with credit issues. This is shameful.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (FL)

Opened a XXXX checking account on XXXX with terms of a {$400.00} bonus if opened with {$200.00} and receiving a direct deposit within 60 days. Opening deposit was made for {$200.00} and direct deposit was recieved on XX/XX/XXXX. Bonus only paid {$200.00} on XXXX. 

I contacted the company via secure message and was told that I had a {$200.00} promo had been applied, not the {$400.00}. There was no {$200.00} offer, only a {$400.00}.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, XXXX XXXX
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported
Consumer complaint received 2020-04-25
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: EQUIFAX, INC. (TX)

ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX SXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported