davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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: Bread Financial Holdings, Inc. (AL)

Comenity bank dental finance. Is refusing to put current on my credit report. After I made payments to get it current. They had always updated my credit report current when I would make my account current but they haven't updated anything in the past 3 months. This isn't fair to me when I'm making my payments on time and keeping them current. They're not doing their job in updating my current status and reporting the payments that I have made.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Aqua Finance, Inc. (FL)

I purchased a XXXX XXXX from Aqua Finance on XX/XX/XXXX. I was misinformed and misled regarding payment by a Representative who first came to my home. Then, an installer came to my home while I was at work. He installed the product and left paperwork with my underage XXXX at the time. When I returned from work and read the papers, I found out my quote of XXXX XXXX monthly wasn't accurate. The paperwork stated it was XXXX XXXX monthly. I hadn't signed this paperwork and didn't agree. I called the company the next morning and explained this wasn't what my agreement was and if the payment was $ XXXX to pick it up. I was told they couldn't pick it up and if I didn't make the payment they could put a lien on my home. I tried reasoning with the company. I felt bullied. I did pay on the product for XXXX yrs I believe. Although it was a struggle, and I was a single mother of XXXX. At some point I just couldn't afford it anymore and stopped paying. Changed my banking info etc because they refused to work with me. Currently I'm in the pending process of selling my home and my XXXX XXXX and Representee ( XXXX XXXX XXXX stated this company Aqua Finance put a lien on my home. Until the XXXX is cleared, I'm unable to sell. XXXX and I both have reached out to the company. I spoke with XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, regarding my Account with them. Who is forwarding information to someone else. I was told I could expect a call and there wasn't anything he was able to do. My XXXX XXXX found online there is a class action lawsuit against them from this XXXX regarding these types of situations being a part of the lawsuit. I need them to clear the XXXX of my home and show a XXXX balance so I'm able to move forward. I have asked my XXXX company if I should pay them off and then go back to pursue my own judgement with this? She isn't able to answer these questions but suggested I add my information to this lawsuit. If there's any possible way, I could please get help. THank you.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$550.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$360.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (FL)

First Horizon Bank was/is running a new account sign-up bonus of {$450.00} with the following terms : Maintain a {$5000.00} average daily balance over the first three ( 3 ) full statement cycles.

Conduct a minimum of ten ( 10 ) qualifying client-initiated transactions for each statement cycle for the first three full statement cycles. A qualifying client-initiated transactions may include deposits, checks paid, ACH items, and signature and PIN-based purchased made with a First Horizon Debit Card.

The cash bonus will be deposited into your account within ten ( 10 ) business days after qualifying activities are met. Bonus will only be paid to open accounts with a posive balance. 

I opened my account in branch on XX/XX/year> with a deposit of {$50.00}. I then made a deposit of {$5000.00} on XX/XX/year>, bringing balance to {$5000.00}. I have maintained a daily minimum balance of > {$5000.00} for the period since, and have made the required ten ( 10 ) debit card purchases per month for the last three ( 3 ) full statement cycles.

All monthly statements are attached.

I have reached out to support through the app, and they are " unable to provide assistance '' and to " reach out to my local branch ''. I visited my branch, and they informed me they couldn't see status on their computers, but would " reach out '' to the new accounts team. Since then, I have had no further details from First Horizon.
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (MI)

Spring Oak Capital SPV, LLC has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and XXXX consumer reporting agencies. Spring Oak Capital SPV, LLC has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my credit score, and has caused me emotional distress.

I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. 
Spring Oak Capital SPV, LLC has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, Spring Oak Capital SPV, LLC received a notification from the credit reporting agencies that the account was disputed. Spring Oak Capital SPV, LLC responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, XXXX, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXX XXXX  Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR XXXX OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH CELTIC BANK WHICH IS INDIGO. Which is another violation.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-09-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (OK)

XXXX XXXX from Advanced Collections XXXX is HARRASSING my daughter for a FRAUDULENT ATTEMPT TO COLLECT A DEBT THAT SHE DOES NOT OWE. According to the XXXX  XXXX XXXX XXXX said the company called XXXX XXXX XXXX and XXXX XXXX XXXX  homes are operating with a NON-VALID Real Estate Licences and have a closed facility due to the death of the previous owner of the business thus by law can not make demands in association to pre-existing closed Court Cases. COURT CASE was DISMISSED WITH PREJUDICE ON XX/XX/XXXX WITH AGREEMENTS ON BOTH LIVE PARTIES WITH LEGAL REPRESENTATION. MEANING THE PLAINTIFF IS BARRED FROM FILING A LAWSUIT ON THE SAME ISSUE AT A LATER DATE. THE TEREMS OF AGREEMENT STATED THERE WAS A {$0.00} BALANCE OWED AS OF XX/XX/XXXX. 
The FRAUDULENT Debt collection attempt is for a dates in which we were not residing at the residance and inclusive of the time frame within the Legal Case which was dismissed. They have no Legal Justification to making any FRAUDULENT claims of Debts out of Retaliation. 
After the case was Dismissed with Prejudice I certified mailed them a DEMAND FOR DEPOSIT on XX/XX/XXXX and in Retaliatiion they responded on XX/XX/XXXX with a FABRICATED DEBT COLLECTION that VIOLATES THE COURT RULINGS. I RESPONDED TO THEIR FRAUDULENT DEBT COLLECTION ATTEMPTS WITH CERTIFIED MAIL ON XX/XX/XXXX WITH A CEASE AND DESIST AND NOTIFICATING THEM IN WRITING PER STATE AND FEDERAL GUIDLINES WITH A DISPUTE TO THE CLAIM OF THE FRAUDULENT ATTEMPT TO COLLECT A DEBT UNDER FALSE PRETENSES AGAINST STATE AND FEDERAL PENIAL STATUTES THAT PROHIBIT THESE CRIMINAL ACTIVITES.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

American Expresss XXXX XXXX told me theyll be opening an investigation on why they keep denying me because of someone else. They have someone with a similar name and even though I asked the representative how is that possible ( since we have social security numbers ) thats when I was told they dont know. I stated to American Express how this is securities fraud because I know theyre able to override their decision and approve my application. I know I gave them something of value so wheres my consideration?
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year> without my authorization, your bank went into my account and pulled out {$330.00}. And they did this right before i get my XXXX XXXX from my job each week. This caused overdraft fees. 
I'm sorry but you just can't pull money out of my account without authorization. A letter, email, text, call explain before you do this is the proper way to do business. 

I would like the Over Draft Fees returned to me. 

Truist since the merger has been pulling and moving money from my accounts.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My complaint is simple. I have accounts with XXXX, XXXX and TransUnion. I wanted to change my password on all three. I logged onto XXXX and did so easily. I logged onto XXXX and did so easily. 

TransUnion was an abject disaster. My log in information did not work. I tried to use their Online Chat but got no response. I called their number and waited forever. I left a call back number as they suggested. No response. They asked for personal info to verify it was me. I gave it, but am concerned about how and why it was asked for. How can this one agency be so terrible when the other two were superior and easy to access and deal with? I want to be sure my information has not been compromised trying to make sure my information is not compromised.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

Company : XXXX XXXX/TD Bank Financing Without notifying me directly, in the process of changing websites, the company moved my due date for payment up by 15 days, from the last of the month ( for example, the XXXX payment was made on XX/XX/XXXX, XXXX on XX/XX/XXXX ). Without prior notification I received a bill on XX/XX/XXXX with due date of XX/XX/XXXX and a {$29.00} late fee incurred. These are deceptive business practices, and the late fee charged is in direct violation of the CFPB 's Credit Card Penalty Fees Final Rule, which took effect XX/XX/XXXX. 

I have now spent multiple hours on hold waiting to talk to a representative in the last few months. In XXXX, I was able to figure out how to login and make my XX/XX/XXXX payment after multiple hours on hold with the company without speaking to anyone. Today, the company routed me to an " end of call survey '' without speaking to me. I am again on hold after calling back, for XXXX minutes and counting. 

This latest issue is the most recent in a long line of deceptive business practices which have made it difficult to make my $ XXXX  monthly payments on time. In XXXX of XXXX, following unclear communication regarding how to initiate payments that required substantial time commitment on my part to address, the company charged a {$39.00} late fee, which effectively doubled my payment and is far beyond that now allowed by CFPB XXXX XXXX is owned by TD Bank ). 

In changing its website, the company has also wiped all previous electronic statements from user accounts.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXBalance : {$16000.00} ; XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$120.00}.
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Bond And Collection Associates, Inc. (PA)

Debt Collector called my personal cellphone in violation of the Telephone Consumer Protection Act. The debt is not mine, but for another with a similar name. SSN does not match. I never gave permission to the Debt Collector or to the underlying creditor to contact me on my cell phone
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

*Company name CLARITYXXXX XXXX did a soft pull on my credit report on following dates : XXXX, XXXX and XXXX I did not initiate any transaction or relationship with CLARITY/XXXX XXXX that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. CLARITY/XXXX XXXXXXXX willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security.

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.