davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: All State Credit Bureau, Inc. (MI)

This company is purposely reporting an account wrong in an attempt to hurt my credit. They are adding fees way after the fact, and lying about the date of last activity so that they can keep this account on my report longer than the statue of limitations. 

I sent a validation request to this company on XX/XX/2021. They responded that my balance is {$3900.00}. They are now reporting on my credit report {$3900.00}. they did not include all information requested in my letter. 

They are adding hidden fees along with blatantly lying to the credit bureaus.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (TX)

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX  ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX Bank ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX  ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (MI)

I was not satisfied with Affirms savings account so I wanted to close my account and transfer all of my life savings into my XXXX XXXX savings account. Affirm kept asking me follow up questions that they claimed were for the security of the account and would freeze my account if I didn't answer them in 10 days. The last question Affirm asked was for my XXXX url. I didn't really want to supply this to them so I called the Affirm help center on XX/XX/21 and spoke with a lady about closing my account and transferring my funds to XXXX XXXX. She advised me to make 6 withdrawals of {$25000.00} through Affirms app and then request a manual withdraw for the remaining amount. I would need to supply a bank statement from XXXX XXXX for the manual withdrawal and it would take 10 days to process. As advised, I made a {$25000.00} withdrawal through Affirms app to my XXXX XXXX account on XXXX, another {$25000.00} withdrawal on XX/XX/21. On XX/XX/21 I attempted to make a third {$25000.00} withdrawal and as soon as I clicked transfer on your app the page refreshed and it said my account was frozen. The third withdrawal didn't go through and it said my deposits and withdrawals were restricted. I called Affirm and they said my account was frozen because I didn't answer all the security questions asked to me. I answered their last question about supplying my XXXX url and Affirm submitted it to their resolution team. I was told my account with be unfrozen in 3-5 business day and I would receive confirmation about my manual withdrawal since I supplied my XXXX XXXX statement earlier. My account was originally frozen on XX/XX/XXXX. It is now XX/XX/21 and my account is still frozen. I was told it would be resolved within 3-5 business day after I called in on XX/XX/21. It has now been 14 calendar days. Affirm is not being cooperative in unfreezing my account or transferring my funds. They seem to want to keep my money indefinitely. I have attached the letter I sent to Affirms headquarters that give a more in-depth experience I have had with Affirm and how I am trying to resolve this. I also submitted an email Affirm sent me describing the reason my account was frozen.
Consumer complaint received 2020-03-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These items were fraudulently made without my consent. Please delete these accounts from my report immediately. 

DPT ED/XXXX XXXX {$3100.00} DPT ED/XXXX XXXX {$920.00} DPT ED/XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX {$2900.00} XXXX   XXXX {$140.00}
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation (MO)

REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE CHARGE OFFS PRIVACY ACT XXXX  CHARGE OFF IS CONSIDERED AS A CERITIFICATE OF INDEBTNESS THE LAW STATES THAT ITS ILLEGAL TO REPRT TRANSACTION HISTORY.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I had a balance of {$300.00} and didnt realize the promotional balance had ended and I was charged {$440.00} in interest. I try speaking to the company and they said there is nothing that I can do nor they can do for me. Im not doing financially well at the moment and I think it is completely unfair that I have to pay them more than I can and on top of that the dental work that was done didnt even last a year. I paid {$1600.00} for the crown and a year later it fell out, I cant even get it fixed bc the dental company said no until I have dental insurance which I believe is completely unfair
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Please provide us with the following : What the money you say we owe is for ; Explain and show us how you calculated what you say we owe ; Provide us with copies of any papers that show we agreed to pay what you say we owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this accountShow us that you are licensed to collect in our stateProvide us with your license numbers and Registered Agent I believe this lease agreement was made up to represent my signuature. We are aware of our rights. As such, under Section 809 ( b ) collection efforts must cease until verification is obtained- including pursuing this debt through an authorized representative to collect on this alleged debt. 
At this time we will also inform you that your offices have reported invalidated information the 3 major Credit Bureaus XXXX XXXX, XXXX and XXXX ) and this action could constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any credit reports belonging to either of us by your company, the company you have authorized to collect or the company that you represent seven days from the date of this notice, we will not hesitate in bringing legal action against you for the following : * Violation of the Fair Credit Reporting Act * Violation of the Fair Debt Collection Practices Act * Defamation of Character During this validation period, if any action is taken which could be considered detrimental to any of our credit reports, we will consult with our legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to our home or to our places of employment. If your offices attempt telephone communication with us, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and we will have no choice but to file suit. All future communications with us MUST be done in writing and sent to the address noted in this letter by USPS. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Best regards, XXXX XXXX
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I own the Citi XXXX XXXX which showed XXXX as of XX/XX/2021 from an email. 

However, on XX/XX/XXXX the same account showed XXXX. I never used any points during this time period. 

I called Citi on XX/XX/XXXX and spoke to XXXX ( Citi thank you rep ) who informed me he was able to reinstate the XXXX points. 

However, after a few weeks passed I went into my account and saw none of the points were reinstated. 

I called Citi on XX/XX/XXXX and spoke to several reps who told me there was nothing they could do because the points were from a checking account that was closed. I told them the points were combined with the credit card account and nobody told me they would expire in 60 days. 

I asked if there were notes in my account from XXXX who told me the points would be reinstated and was told yes. 

I have been patient with Citi and find their actions to be fraudulent as I was promised the points would be reinstated. 

I am only asking for what was told to me by a recorded conversation which Citi can look up.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I have an accident on my CLUE report that was not me ( XX/XX/2018 ) I have never lived in Texas and never had a Texas license. It is showing the wrong license number even. Lexis nexus states the information is unverifiable yet still on my report for some reason. This is costing me money for an accident that is not mine.
Consumer complaint received 2021-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC (CA)

Bay Area Credit Service claims I owe them a debt from XXXX XXXX XXXX. After contacting the debt agency, they refused to transfer me to a supervisor. I informed them this debt was not valid. They did not believe me. I contacted my insurance company who contacted XXXX XXXX XXXX who informed me they never sent the amount due to any credit agency, nor do they have a date of service ( XXXX ) that the credit agency claims is valid, and have stated to my insurance company that my account has been paid completely. After speaking with insurance, I called XXXX and made sure that the date of service was invalid and that the amount ( s ) I owed them had been paid which is what they confirmed to me. After this, I called back the credit agency and asked to speak to a supervisor again. XXXX XXXX refused to send me to a supervisor more than a dozen times, even when I had my spouse get involved to try to solve the invalid debt. XXXX then hung up on us both after 22 minutes and when we called back they did not answer even though it was business hours. I would like to have this organization investigated. How did they even get my medical information!? How did they get an invalid debt with an invalid date of service? They refused to let me speak to a supervisor and claimed it was a valid date even though both my insurance company and XXXX have told me that everything is good on my end and this debt is NOT valid.
Consumer complaint received 2020-03-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$530.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (NJ)

1. XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SECURITY FINANCE CORP (GA)

Professional Financial Services of Georgia is using bias predator interest loan high interest rates toward XXXX people by threaten them to be sue by their hired attorneys, for a not valid debt owed money {$13000.00} for a vehicle ( XXXX  XXXX XXXX ) that has been repossessed ( Professional Financial Services company of Georgia ) on XX/XX/2018.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a credit-card with Bank of America and have NEVER provided them with my direct mobile number on my phone. I always use another number to ensure that my private mobile number is not reported to credit agencies or other data sharing or selling companies. When I called in for help with an issue, Bank of America said they needed me to validate my identity by them sending a code to my phone. I agreed, but then was shocked to find they sent a message to my private number I had NOT SHARED with them. When I asked them how they got the number, I was informed that their mobile app must have got the number of my phone and provided it to them. The application never gave any notice that it would share my phone number with the bank. Trying to work with the bank to have them remove the number has been unsuccessful because they claim that they do not see the number of my profile/account. However, it still shows up as the number to confirm my identity in their systems.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase Bank, and they always take more for my money then what I should pay them.My account keep coming back very short, I tried to talk to them but always leave upset because they tried to tell me that I am wrong about my account.You do the math I place {$4900.00} in the bank I spent {$250.00} I when took cash the same night and placed it in the ATM machine next night I spent {$100.00} took that back to the ATM machine. I shop for XXXX gift spent {$190.00} Spent {$20.00} paid phone bill {$130.00} XXXX spent {$54.00} insurance which came to {$390.00} they were surpose to return XXXX insufficient fees which came to {$130.00} XXXX return {$84.00} why I go to the bank and was told I only had {$4000.00} in the chase bank? Where is my money? First time they took {$370.00} out of my savings account and said I paid my truck note a day early on a Thursday. Which they was lying XXXX got my check on Friday and I always pay my bills on a Friday always when my check comes I paid it that Friday and still they kept my money I verified with my car company and I was right but yet chase never gave my money back. They stated They paid me the insufficient fees back where is the money it doesn't add up and they know that but still kept my money.right now I'm out of another $ XXXX {$600.00} dollars trusting Chase Bank XXXX I pray you always watch your money while using Chase Bank. They take what don't belong to them. What's so bad they try to me you believe you crazy and that you spent your money.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (VA)

Im accordamce with Fair Credit Reporting act. The list of accounts below has violated my federally protected consummerv rights to privacy and confidentiality ; under 15 U.S.C 1681. XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-06-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Alum Financial, LLC (AR)

On XX/XX/2021, I opened an e-mail from an unsolicited source named Alum Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - ( XXXX ) XXXX. 

The representative gained access to my FSA ID without my knowledge or consent. The FSA ID was altered without my consent. I received subsequent notifications to that effect. 

I was informed by said representative that by submitting application fees to process my account for student loan forgiveness in the amount of {$120.00} for a period of 10 months, after successfully completing the period, my loan would then possibly be discharged upon review. 
In fact, Alum Financial is not on the official list of authorized institutions that are, in fact, authorized to act in accordance with the Federal Department of Education. Alum Financial is further not authorized to act as a legal agent to discharge a debt on their behalf. 
I was encouraged to use 'XXXX ' to complete the application. Everything about the transaction was timestamped. Only after having signed the contract, did I begin the review of the details. A cursory review of the company revealed the likelihood that a scam was undertaken. As it happens, it is illegal to charge for filing application fees for student loan debt relief. It is illegal to gain access to anyone 's FSA ID without their knowledge. I contacted my bank to alert the fraudulent activity and requested a chargeback for the initial fee in the amount of {$120.00}. I then contacted Alum Financial earlier this day ( XXXX XX/XX/2021 ) to inform the company of my actions and to request the cancelation of services forthwith. It is my understanding that legal contracts can be voided within three business days with little or no adverse consequence.

In summary, Alum Financial is not unique as a predatory market entity. They abound across the Nation.

Alum Financial needs to be placed on the extant list of companies that are banned from their engagement in the Student Loan Servicing industry.
Consumer complaint received 2021-06-17
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 am very stressed and lost any hope that I can get rid of fake inquires and fraud account. Someone used my personal information and just on purpose damaged my credit score. I can not obtain any credits for my business because I have items that are not mine. Its killing me a lot and influencing my life. I am very sad nowadays, so I just want you to help me a bit and to apply investigation, after this you can remove these fake items. I need it o much like air.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.