davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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. (PA)

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (GA)

Most recently ( XX/XX/XXXX ) a payment was made to Hunter Warfield against threats of legal action by two male reps within this companies Legal Department. I made a payment of {$170.00} plus a processing fee of {$9.00} on XX/XX/XXXX using a credit card to begin payments. However, as I have complained to the company itself the debt account is for 3 individuals total. I assume due to being the only one calling to attempt to settle the debt I was harassed and forced to make such large payments. I have requested the company afford me the opportunity to set up payments each month for {$50.00}, but Customer Service would not assist claiming I had to pay the minimum ( at the time ) of XXXX. I was unable to do so and that is why the debt went unpaid until XX/XX/XXXX. I truly want to repair my credit and get this debt paid off. My complaint to you is that as one of three people I cant truly afford XXXX a month. I have other debts and its a strain on paying my regular cost of living expenses. Nothing luxurious just referring to my rent, gas, lights, and water. The luxurious bills of any are phone, cable, internet, food, etc. I am seeking assistance from a third party as I only want Hunter Warfield to assist me and allow me to pay {$50.00} a month for now. I set up a 6 month draft for XXXX/mo plus the XXXX processing fee due to the Pre Legal Departments threats to take further legal action. As a single parent of XXXX  XXXX  I can not afford to let my check be garnished or any other actions that may occur. I tried emailing and making phone calls to multiple people with no response. Those individuals are XXXX XXXX, the support services email, an XXXX email address provided in response to a bad XXXX review I posted, and a number ( XXXX ) provided on the same bad post reply. All the emails end XXXX. Again, I would like a fair payment arrangement for myself as I am not the only one on this account and the times I have attempted to speak with the Pre Legal reps ( all males ) I have been laughed at for requesting the opportunity to pay {$50.00} and/or had very rude reps to the point I did get upset and argued with them as I felt I was being bullied and disrespected. Please help.
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (MO)

I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number.

The collection Company is named XXXX XXXX XXXX and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. Thank you.
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

They will not accept that its not my debt and they are now harassing me on my job, place of employment. I wish for them to stop harassing me at my place of employment Midland Company. They are very rude.
Consumer complaint received 2021-01-28
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. (CA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-28
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: DISCOVER BANK (TX)

Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to Discover, 2017 Sheriff 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently inXX/XX/XXXXin Mississippi for forgery and false pretenses.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MD)

Hello, I opened my checking account in XX/XX/XXXX with an opening bonus of XXXX dollars after a XXXX direct deposit. I think I have fulfilled all the requirements but I was denied a bonus. When I applied, the term says explicitly " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I have been a customer in XXXX and closed my account in XXXX which is more than 12 months. But TD Bank still refused to pay out the bonus. I am very unsatisfied with their resolution.
Consumer complaint received 2021-01-28
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. (TX)

This occurred on XX/XX/2021. I got an alert from my bank and Experian that someone had just ran my credit for an SBA loan at XXXX XXXX XXXX, XXXX XXXX, Tx. XXXX. I immediately called the Washington D.C. office. She ran my SSN and acknowledged that someone has put in a loan application under my social. She said she couldn't give me any information but told me to file a police report which I did, and also to contact you as well as the OIG.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are Best Buy, Macy ; s and XXXX XXXX XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.
Consumer complaint received 2021-01-28
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: CITIBANK, N.A. (NC)

I originally placed an order on the website XXXX XXXX ( found via XXXX XXXX for XXXX  products ) for the following XXXX  products : XXXX XXXX XXXX XXXX And XXXX XXXX ( Snow ) 1 {$220.00} XXXX XXXX XXXX XXXX XXXX  - Battery 1 {$490.00} XXXX XXXX XXXX XXXX 2 Pack White 1 {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} Total {$1200.00} I received an order confirmation and email thread I had with the 'merchant '. After a couple of back and forth emails the email address was no longer available and the website was also no longer active so I had no additional contact info to correspond with the 'merchant '. I was sent a package that contained a 'spinner ' toy in lieu of the XXXX products I had ordered. This allowed the merchant to tell CitiBank, my credit card that was attached to my XXXX account, that I had received the product. I disputed the charge with CitiBank and they did NOT reverse the charge claiming that this was a 'legal ' process and the bank on their end claimed I received the merchandise based on the receipt of delivery. Again I received a 'spinner toy ' ... NOT the electronic XXXX  products that I had ordered. I am miffed as to how CitiBank did not reverse charges. THey have directed me to submit the claim here to the FTC. How can I be refunded? If my credit card provider wont protect me from online purchases, who does? I disputed in XXXX as well, they said it was they couldn't do anything b/c my credit card company was addressing it. How can I be protected going forward???
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Atlanticus Services Corporation (PA)

I filed an complaint through the cfpb for my Aspire Credit Card. I told Aspire how they violated me by using their logo on communication and they said that it was their policy. So here I am again filing another complaint on how Aspire Cardholder Services violates me Aspire Cardholder Services are sending me bills with their logo on it and its alarming everyone I live with that Im in debt. 
Pursuant to USC 1692b. ( 5 ) and USC 1692f ( 8 ) it states that a debt collector can not use language or symbol on or in the contents of any information effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Also that content should not state I owe any debt pursuant to USC 1692b. ( 2 ) thats another violation. Aspire also violated me under USC 1692e. ( 11 ) none of the statements they send states that theyre attempting to collect a debt. Thats false and misleading. On my statements they all come in a positive balance. How can you pay on a positive balance!?? Pursuant to 1692e. ( 2 ) ( A ) the amount on the statement is always misleading.
Consumer complaint received 2021-01-28
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. (AL)

60 days ago I reached out to XXXX, TransUnion and XXXX  regarding the unaurthorized hard inquiries that's on my credit report. Each company told me they would submit a dispute to delete them but all three of the companies have failed to do what they said.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I reported fraudulent activity on my Bank of America checking account by a scammer. I was assured I would receive a refund in 45 days. Now it has been nearly 2.5 months and still no refund! I have spent time and money in faxing and mailing documents to B of A no avail! This caused me to run short of money for my family in this Covid-19 pandemic-during Christmas-with a bank that refused to rectify this problem!
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WV)

For 46 years, I had been a customer of XXXX XXXX for vehicle insurance. Last year my rates spiked. I switched to XXXX and they were cut in half. The result of the uncoupling was that my home insurance almost doubled at XXXX XXXX. My XXXX XXXX agent recommended that I add an old vehicle to my account. I did, a XXXX XXXX XXXX XXXX XXXX. I asked for liability only and was quoted {$1000.00} annual! I responded that driving costs had really gone up and the agent said that it was because I had reported 4 accidents in 5 years. 3 of those accidents on my Lexis Nexis report were for a vehicle that I sold XXXX, a XXXX XXXX XXXX. The first accident was XX/XX/XXXX with a XXXX collision claim. The second accident was XX/XX/XXXX with a XXXX collision claim, and the last was XX/XX/XXXX with a XXXX claim for physical/property damage. The claim that I own was a hit and run complaint that I filed with the XXXX County Police. This was for my XXXX XXXX XXXX. I called Lexis Nexis and they refused to provide me any info over the phone, instead referring me to something called the XXXX XXXX. They were supposed to call me within 24 to 48 hours. They have yet to call and it has been 72 hours. I asked what would happen if I was not available to answer the phone and they said a message would not be left and that the process would start all over again. I would have to initiate that process. I know today that I am being overcharged for insurance and that Lexis Nexis has too much power, is too opaque about how they operate, and has no interest in addressing consumer concerns.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Avant Holding Company, Inc. (MA)

I was fraudulently charged XXXX by avant- this over drew my bank an o have to open a new account now after having this account over 15 years. This was charged as an XXXX  on XX/XX/year>
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I tried to make a transfer into an account at Fifth Third Bank in order to cover a check I was writing. I initiated the transfer before writing the check, but the transfer, for some reason, did not go through. As a result, the bank charged me an Overdraft Fee when the check was paid. If the transfer had gone through, as I was led to believe it had, I would not have been charged the fee. The bank refused to reverse the fee, citing previous reversals within the last year. In fact, one of the two reversals had been miscategorized as a courtesy reversal, when it was in fact a reversal due to bank error, similar to the one that just happened. I believe Fifth Third bank is intentionally mislabeling fee reversals in order to extort more money out of me.
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (GA)

I am a XXXX XXXX who was seriously impacted by COVID 19. I was denied PPP loan because my credit has been impacted due to recent delinquency because I did have any income. Im not eligible for unemployment either. 
Other credit card companies worked with me except Honda Financial Services. I have never been late for the past three years on this loan, save for this pandemic period. 
Honda financial came to my office to repossess my car without any prior notice no letter, email nor phone call. 
I am so confused now and have no means of transportation. Please help ...
Consumer complaint received 2021-01-28
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. (IL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-28
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. (VA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I want to formally issue a complaint about a change that America First Credit Union ( XXXX ) is making that will financially impact all of it's XXXX Checking Account members. They announced on XX/XX/2021 that they will be AUTOMATICALLY rolling EVERY checking account over to their Premium Checking account service, which comes at a {$6.00} a month fee if you do not meet their requirements to waive the fee. Some of the minimum requirements will require the account to maintain a {$1500.00} balance, have at least {$500.00} automatically deposited into the account monthly and have more than 20 transactions with their credit or debit card to waive the $ XXXX  monthly fee.

I understand that any member can call and have your Checking account moved back over to the free Checking Account, and they are also waiving the {$6.00} fee for the first 60 days, but it is NOT clear when they will roll people over, and my main concern is for ALL of the Elderly members and low income members that may NOT have access to media and will be unfairly rolled into these accounts and lose money. 
Beyond the fact that so many people will not be able to maintain these new premium standards to avoid the {$6.00} fee, members like myself that hold multiple accounts with them will now need to waste their valuable time calling into their call centers, which I'm sure will have extremely long wait times, just to make a change that should have been an OPTION not an automatic roll over. 
XXXX members should not be forced into paying a fee if they didn't get notified properly! We live in a world of spam email, and I am sure this type of notification will be easily lost by most members ( if that's even how they will notify people ). 
I was notified by XXXX  and then went over to XXXX to read more. As of this complaint I have not been notified at all by them!
Consumer complaint received 2021-01-28
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. (VA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had borrowed money from a former friend and she was repaid and she went to her bank and filed a fraud dispute with XXXX XXXX XXXX and they took back the XXXX which she lied about and stolen from me
Consumer complaint received 2021-01-28
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.