davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA (VA)

This Bank FNBO is terrible! Stay away from them! I had submitted a business application for a credit card in XXXX and I have excellent credit. They asked for all documentation which I provided. Then they said they approved me for a credit card. A few weeks later I received it and activated and started using it for my e-commerce business as mentioned. I only put about $ XXXX into it which I immediately paid off the balance. After that I was no longer able to use the card. They gave me NO notice and I had to call in several times! I spent dozens of hours on the phone trying to find out, one rep told me I was getting a new card shipped while another said it was closed. Then they said they needed further verification via notarized docs of my sensate info which I spent a day out of my way to go get my ID SSN and tax documents notarized to send. I come to find out that they closed my account without any real reason and still made me jump through all these hoops. I am very upset and would report this company for misleading and fraudulent business activity. I am disgusted at FNBO. And now I am left with inquiries on my report as well. Just ridiculous
Consumer complaint received 2021-01-21
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. (MI)

I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. 
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. 
In XXXX, I got all caught up on my payments. 
XXXX hit and COVID hit. 
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. 
I paid everything up in XXXX when I got my unemployment. 
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. 
I have since paid everything up and made my payments on time. 
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. 
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a credit card with BANK OF AMERICA and I've been consistently been charged excessive interest rates on the card which I've complained about on numerous occasions. 
Now, I'm facing a severe economic and financial hardship due to covid19 and I've tried to resolve the matter with BOA, but they've been most uncooperative in the matter. BOA is engaging in predatory lending practices which are unethical and egregious practices and must be investigated immediately.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (PA)

Upon a review of my credit report I noticed an entry for credit on bank for a credit card that i never applied for, This is a clear case of identity theft in the amount of XXXX dollars, I never applied for an account yet XXXX XXXX XXXX  allowed someone to steal my identity
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Since XX/XX/year>, I have been unable to access my credit report by logging into my Experian account. Every time I log in to my Experian account or use XXXX  I get the error code " Unscorable '' or " You no longer have a FICO Score ''. I have contacted Experian multiple times and have filed a past complaint to Experian through the CFPB. Experian improperly closed the case without actually resolving or responding to my issue.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (FL)

On XX/XX/2020 received a noticed from XXXX that account was opened by AFNI for {$710.00} on XX/XX/XXXX. I did not open account with them nor have I done business with them.
Consumer complaint received 2022-12-13
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (TN)

I closed my Suntrust account about 3 years ago. We left about {$200.00} in there for a windfall and the banker said it was a good idea. I assumed everything was fine and did not check my statements. Yesterday I got a letter from Truist stating that my account was overdrawn and was being sent to collections. According to them. I owe {$17.00} with {$30.00} for collection fees. They gave me an XXXX number to call on the sheet to resolve the issue. They let you hold for about 2 minutes then send you to voicemail. I left a message but never heard back. I then went to my local branch and asked to resolve it in person, but was told since my account was closed they cant help. They gave me the customer service line. I waited on hold for over an hour to be told the same thing. I tried to call the number on the collections letter several more times and never got to a representative, nor got a call back. I then double checked my last statement- I had {$3.00} in my account, they took out the XXXX maintenance fee, and then immediately shut down my account. I dont believe I should owe this amount but I cant speak to anyone to resolve. This has been an incredibly frustrating experience.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My complaint is in regards too an offer being offered by Capital One 360. When I logged into my mobile app, there was an offer that indicated if I opened a 360 Performance Savings account, depending on the amount of money deposited into the account I could receive a bonus up to {$1000.00}. My initial deposit would have been {$30000.00}. However, when trying to access the reward it disappeared and when I went back into my account it was no longer there. I called the customer service number and the associate that I spoke with indicated that this was a glitch and that I should not have received the offer for the award. He also indicated that three other people had called in with the complaint. 

Given that it was no fault on my end, and the fact that associate indicated that it was an issue on the bank 's side, the offer should have been honored. The fact that the bank has refused to honor a offer that they marketed to me is unacceptable.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried several times to have incorrect and incomplete information deleted but it just keep coming back when its clearly inaccurate. Amounts, payment history and dates have been wrong but every time they just keep coming back even though dates dont match history is not reported or reported incorrectly. Please delete.
Consumer complaint received 2023-03-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (MI)

I am reaching out regarding my rights according to the Fair Debt Collection Practices Act, Specifically Section 806. Harassment or abuse.

Under Line ( 5 ) it is stated : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number would be violation of this section. 

I feel that I have been continuously abused, and harassed by Exeter Finance, the lender currently holding the lien on my XXXX XXXX XXXX. Below, I will show the numerous phone calls I receive within a month. Using different phone numbers, calling 2-3 times per day within 30-minute intervals each time. 

Under the Debt collection rule collectors are presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven day period. 

The increased stress from these harassing practices has a hindrance in both my daily life, and mental health. Which in turn makes my ability to faithfully repay my loan rather difficult as I feel constantly under pressure by Exeter Finance. 

From Friday XX/XX/XXXX XX/XX/XXXX they called 9 times in a 6 day time frame. ( Considering they are not able to reach out on Sunday, potentially 5 days. ) Each of these phone calls were placed within 30 minutes of each other. 

On XX/XX/XXXX I was called 4 times, first at XXXXXXXX XXXX, XXXX, XXXX, and at XXXX EST. XX/XX/XXXX I was called at XXXX, on XX/XX/XXXX three calls were made at XXXX, XXXX, and XXXX. Resulting in 8 phone calls within 4 days. 

Below I will show my call logs, which will show the number of violations against my rights according to the Fair Debt Collection Practices act. 

As evident in the video attached, this is a reoccurring theme throughout the loan with Exeter Finance, breaching my rights numerous times. 

They have also been contacting my mother, who is not involved in the loan, so that would add to the excessive phone calls placed to collect my late payment.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

Received a text to my cell phone about a debt. When I called, they had my social security number and stated it was a payday loan from XX/XX/2012. I never took out a payday loan. They said it was in the amount of {$790.00} and they wanted my credit card number. They have my current address and my previous address. His name is XXXX XXXX and it is case number XXXX from ACE Cash.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (LA)

This account was charged off XXXX. XXXX, since then the company has continued to add to the balance even though they have charged the account off. From my understanding if the account is charged off it is a dead account and should have no activity, yet this account was reporting a balance increase each month as well as being open. When I disputed this information the company closed the account however, they are still increasing the balance. How can a closed account or charged off balance increase every month for over 2 years? The company refuses to communicate with me, as I have mailed several letters to them.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc. (CA)

This company has been harassing me for weeks. REpeated calls, texts, threats about getting an attorney. I have asked them to stop contacting me and i received a phone call about me asking them to stop calling me. 

I have also told them if they didn't stop i would be reporting them to CFPB and they called me about that. 

They call from multiple numbers and the texts and calls continue to tell me they have my social security number and documents and to contact an attorney.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report I discovered that there was several fraudulent accounts on my credit report I have contacted the creditors and furnished the creditors with the above stated documents.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (KY)

In XX/XX/2020 I received a bill from a credit card company. Avant. I have never applied for, had possession of or made an inquiry for this credit card. I called Avant several times. They wanted my personal e-mail, address, home phone etc. When all was said and done Avant would not close the account. I am still getting a bill every month. Again, I do not have physical possession of this card. So basically, this credit card is on my credit report and it should not be. 
The following is the only information I have about Avant : Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  number XXXX
Consumer complaint received 2022-06-02
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. (NJ)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2023-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (AZ)

On XX/XX/21 between the hours of XXXX and XXXX 21 fraudulent charges totalling to {$710.00} were made to my Direct Express account just hours after my SSI was deposited into the account. 
When I called Direct Express they could not start a fraud claim but did cancel the card and put in a request for a new one. They refused to stop the charges and also denied making a fraud claim as they were 'pending ' charges on the account and told me to call at XXXX the next morning ( XX/XX/21 ) .Not until XXXX XX/XX/21 was I able to get through their automated system to be allowed to start the process for a fraud claim. 
From there they said all fraud claims must be disputed through physical mail and that they would likely be mailing out the forms XX/XX/21 and required they received the forms back by XX/XX/21 regardless of the mail likely will not arrive to my address until the same week they expect it back. The representative said it could take up to 100 days to process the dispute and if they proved the fraud charges then I would be reimbursed. 
This is SSI money for a permanently XXXX adult who is incapable nor allowed to work. The bank offers no way to expedite reimbursement of such funds, no email or online filing option, and their phone service only is available in the middle of the night. This is cruel and unprofessional at best.
Consumer complaint received 2021-01-21
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)

I am writing this letter in order to inform you officially about violation of my rights by reporting inaccurate data in my credit report. 
The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I am writing this letter regarding unknown accounts below that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. I do not recognize these accounts and they are not mine .... Moreover, all of them are so visible in my report profile that I simply can not move on in my life.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. 
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. 
In XXXX, I got all caught up on my payments. 
XXXX hit and COVID hit. 
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. 
I paid everything up in XXXX when I got my unemployment. 
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. 
I have since paid everything up and made my payments on time. 
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. 
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.