davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX Balance : {$370.00}.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (GA)

On XX/XX/XXXX I received an email with Avant Settlement Agreement - 3 pages - The agreement entered between me and Avant , LLC and reads that I am agreeing to make a settlement payment of {$760.00} on XX/XX/XXXX. Avant agrees to settle my outstanding balance in full of the condition that my Settlement payment is successfully processed within 5 days of the XX/XX/XXXX, and the payment is not returned. 

I made a payment with an Avant Collections Rep that recorded our conversation, promising me a letter or email once my payment cleared. Payment was made on XX/XX/XXXX for {$760.00} as stated in settlement agreement. 

I never received an email or letter from them. Instead, i received a statement that I had a new balance of XXXX and a minimum payment of {$180.00} and due on XXXX. 

I was told that my account was in review, and I should be contacted in a couple of days. 
I received an email saying, thank you for your complaint, we should contact you in a couple of days. 

XX/XX/XXXX - Received another statement with a balance of XXXX and a total minimum payment of {$360.00} due on XX/XX/XXXX. 

The agreement is in writing by them, and I was deceived twice, once with their email and then when I spoke with Avant Collection Rep. 
Now they are trying to collect more money from me after i paid the quoted pay off amount. 

I wrote the XXXX credit bureaus and i answered by XXXX, that there was a loan modification. A loan modification but I wasn't informed of it. Their statement don't read such modification.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

account number is XXXX seen this on my credit yesterday it says it is from a place called XXXX XXXX XXXXXXXX i never stayed here the address for this place isnt even on my credit report! my identity was stolen back in 2023 and i am still dealing w issues from it. i will upload a police report from another apartment i had to make a police report against
Consumer complaint received 2018-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recover, LLC (FL)

I received a letter from XXXX XXXX XXXX - in XXXX Texas stating I owed a debt for an apt complex. The account was in another name the year before and it was taken off all credit reports. Account seems to have been bought and back on my credit reports- when I sent a letter demanding the original debt proof etc the letter was returned to me unable to deliver- The address on my credit report and the letter it is the same but yet no contact since then but they have managed to have my credit score go down over 45 points for no good reason.
Consumer complaint received 2023-09-18
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. (NC)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$750.00}.
Consumer complaint received 2024-03-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account Name XXXX XXXXXXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (NC)

I have contacted XXXX XXXX about the account in question and have informed them this account doesnt belong to me. I received a copy of the application/contract and non of the details belongs to me. The home address, phone number, bank account, and all other personal information associated with this account is inaccurate and has never belong to me. I have requested the removal of this inaccurate information but XXXX XXXX has failed to do so.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

XXXX I just received a check from Citi Bank with the amount of {$0.00} by XXXX on Friday, XX/XX/year>, this is truly Unbelievable! Citi still owes me the rest of interest from XXXX thru XXXX which should be approximately {$20.00}. My check, containing all of Savings and checking funds, was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The XXXX XXXX XXXX ( lady ) from Citibank in Texas confirmed that my account is being closed on XXXX ( which it was ) and that I would receive the check no later than XXXX. However that check didnt arrive until XXXX with a check date of XXXX. Please for verification, pull the recorded call on XXXX from Citi XXXX XXXX in Texas, this is what I was told. As a result, I lost 15 days worth of interest on my money they held up in error for XXXX ( XXXX ) months. They cost me interest as a result of their actions.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

I am not familiar with this account that popped up on my consumer reports from Bulk City Financial Sol. I also don't recall getting any correspondence for this account and can not remember having and account with this company. I discovered this on my report XXXX of 2024 and still have not received anything in the mail in regards to the original correspondences that was sent with the tracking number via certified return receipt. According to the rules around debt collection consumer should b provided the opportunity to dispute the validity of da debt via proper validation and per this rule and laws commutation in the connection of a debt MUST be communicated within XXXX  days I asking for the commutation in the connection of this debt by requesting that Bull City Financial Sol provide documented proof that I was provided my rights to dispute this debt before parking it on my consumer report by providing me with the certified return receipt showing my signature.
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (CO)

I received a letter from BC Services threatening litigation. I have not received any prior letters from this company regarding the debt. I called their customer service number and was told if I didn't pay or set up a payment plan I would be sued and would have to pay lawyers and court costs. I told them I had not received any prior notification from them and wanted an itemized statement to validate the debt owed. The lady told me it wouldn't stop the litigation process and the case would still be brought to court. I set up a payment plan to stop the litigation process but am still wanting verification of the debt which I have not received. It is my understanding that I have the right to request validation of the debt and an itemized statement and that collection activities should cease until I receive this information. According to BC Services that is not the case and I apparently have no opportunity to review or dispute the debt at this stage.
Consumer complaint received 2023-05-18
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. (GA)

I recently viewed my credit reports/files from XXXX, XXXX, and TransUnion. All 3 of the credit reporting agencies are reporting 2 collection accounts from XXXX XXXX XXXX XXXX : XXXX. $ XXXX acct # XXXX acct # XXXXTranUnion XXXX XXXX. $ XXXX acct # XXXX acct # XXXXTransUnion XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX XXXX is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about me.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO Bank, N.A. (CA)

BMO sent new cards that I should be able to activate online. However, there is no online option to activate new cards. I submitted a request online for instructions, but received erroneous instructions instead. The only option available online is to change a PIN.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-16
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Home Credit Corp. Inc. (NC)

I was recently laid off from my job. So I was reviewing my finances to see where I could cut back and save money. I want to note that I also work in the auto industry as a business manager. I was reviewing my loan agreement and realized I am financing service agreements that I did not need. One for a life insurance policy and the other for a road side assistance policy. Both of which are also covered under my vehicle insurance policy. I called the branch to cancel these products and the manager of that particular branch said they were not cancelable. I informed her that they are because it was stated in the contract that they were. I again informed her I dont need them and wanted to cancel them and refund the balance to the principal of the auto loan. She again said that they are not cancelable. And asked if I was calling to make a payment or just to complain knowing that I was just laid off from my job. She said if I wanted to complain further she could give me the corporate number. I hung up and called another branch and the manager there informed me they were cancelable. After that phone call I called the corporate office and was told the corporate manager was at lunch and they would take a message to call me back later. And I have yet to receive that call back or have the additional products canceled.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (RI)

Comenity Bank took over my XXXX XXXX account in XX/XX/XXXX. I was told nothing would change. I received a letter from Comenity Bank on dated XX/XX/XXXXXXXX XXXX  stating that my 5.9 % fixed APR would be increased to 10 % as of XX/XX/XXXX XXXX That is almost double what my current rate is. I have had this card for over 20 years with the same 5.9 % fix rate. I have never been late with a payment or missed a payment. I pay more than the minimum and always before the due date. I have not asked for a credit increase. I have never broken any conditions in our contract therefore I do not believe that my APR should be increased. I contacted Comenity Bank 's Customer Service on XX/XX/XXXX. I was disconnected 4 times, transferred twice and given incorrect information on what my next steps were. I finally spoke with a supervisor named XXXX who told me that she could do nothing with APR increase and that I needed to send a letter to dispute my APR increase. I sent a certified letter on XX/XX/XXXX to dispute the increase. I received a letter from Comenity Bank on XX/XX/XXXX that was dated XX/XX/XXXX that thanked me for contacting them and that I should call XXXX as soon as possible to resolve my inquiry. I called the number on XX/XX/XXXX and it was Customer Service again. They told me again that they could not help me. I asked to speak to a Supervisor and spoke with a woman named XXXX. She listened and unfortunately said the same thing XXXX told me. XXXX recommended I sign into my account online to see if I can " speak '' or message a representative to discuss my APR. I tried but ended up on with virtual helper with no new leads. I can not find a human to speak to about this ridiculous increase on a fixed rate credit card that has now been changed to a variable interest for no reason and according to Comenity this increase will begin XX/XX/XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Statement closed with {$4000.00} subject to full interest rate for the entire period when there was only a remaining statement balance of {$420.00} after the due date for the previous period. I was charged {$62.00} when by a typical interest rate table the interest charge should have been closer to {$10.00}. When I reached out I was told a representative who could help me was only available Monday-Friday and I had no address or email address to make my request for Citis full explanation not just balance XXXX interest rate. I originally had a promo rate and when that ended it appears Citi made that balance entirely subject to interest and didnt account for any payments before due date on the previous statement
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to report incorrect information on the account listed as XXXX there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/2021 - XXXX did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 

Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX XXXX, NC, XXXX - The personal data reporting is inaccurate. 

Also the outdated bankruptcy
Consumer complaint received 2023-08-03
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: DISCOVER BANK (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Seation 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-10
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

I have been a client of XXXX American Express for almost 20 years. We never had a problem, always full balance is paid. 
But on XX/XX/year>, I received a letter from American Express that they decreased my XXXX credit line from {$23000.00} to {$4700.00}. It was a Political Discrimination because I am a politician from XXXX Texas. 
I called on XX/XX/XXXX, 3 times, I spoke with customer service ( ref # XXXX XXXX XXXX and her supervisor ( ref # XXXX XXXX ) with no further solution. 
I called the complained department of American Express, I spoke with XXXX then transferred me to her supervisor XXXX XXXX who spoke with another department that they refused to fix the problem. I filed the complaint and I do have the reference number.