davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TO WHOME THIS MAY CONCERN, AFTER SEVERAL ATTEMPTS TO RECTIFY THIS PROBLEM MY DISPUTE IS WITH ALL CREDIT REPORTING AGENCIES FOR LESS THEN SUFFICIENT EVIDENCE TO REPORT ANY OR ALL INFORMATION ON MY REPORT. 
NOTE : BECAUSE OF THE LEGAL ABILITY, DO TO CONTRACTS, A FURNISHER OF DEBT INFORMATION SHOULD HAVE ALL FACTS TO PROVE THEIR STANDING AS A HOLDER OF SAID DEBT. 
FAIR CREDIT ACT STATES : THE CONSUMERS ARE ENTITLED TO PROOF THAT THEY OWE MONEY. 
COLLECTORS MUST DOCUMENT A CLAIM WITH A COPY OF AN UNPAID BILL OR OTHER EVIDENCE OF A PAYMENT VIOLATION. 
( IN THIS CASE, THE HISTORY THAT ALL DEBTORS DOCUMENTS THAT PROVE THIER STANDING ) AFTER SEVERAL MONTHS OBSERVING THIS, MY SCORE HAS DIPPED OVER 250 POINTS IN THE LAST YEAR DISPITE MY EFFORTS TO DISPUTE THE VALIDITY OF MY REPORT. 
ON MY LAST DISPUTE THE RESPONSE FROM TRANSUNION STATED " THAT MY CREDIT HISTORY WAS UNAVAILABLE ". HOWEVER THIER REPORT REFLECTS THAT I HAVE DEBT, THIS IS NOT POSSIBLE. 
IF THERE IS A DEBT, THERE IS A HISTORY. 
SO TO BE FAIR MY REPORT HAS TO SHOW ALL THINGS TO NOT ONLY BE FAIR BUT REFLECT THE IMPORTANT DATA THAT RESULTED IN ANY DEBT OWED. 
IN EITHER CASE THAT MEANS THAT ALL CATEGORIES THAT AFFECTS MY SCORE SHOULD SHOW ON MY REPORT IN ORDER TO GIVE A COMPLETE ACCOUNT AS TO MY CREDIT WORTHINESS. 
ANY INFORMATION THAT IS NOT PROVIDED AS PROOF THEN SHOULD BE CALLED TO QUESTION AND IF NOT PROVEN SHOULD NOT BE PRESENTED. 
LEGALLY A CONTRACT BOUNDS MY WORD TO PAY A DEBT, THAT GIVES A DEBTOR THE ABILITY TO GET COMPENSATION THROUGH LEGAL MEANS, SO THAT GIVES ME THE RIGHT TO BE FURNISHED WITH ALL FACTS PERTAINING TO MY REPORT. 
THE REPORT SHOWN THEN IN THIS CASE CAN NOT BE MINE AND THEREFORE IS A FRAUDULENT ACCOUNT OF MY HISTORY AND SHOULD BE THOROUGHLY INVESTIGATED. 
NOTE : IF MY REPORT REFLECTS DEBT IT HAS TO HAVE A FULL HISTORY OF ACCOUNTS ( TRANSUNION RESPONSE TO MY LAST DISPUTE WAS, '' THERE WAS NOT ENOUGH INFORMATION AVAILABLE " ) HOWEVER MY REPORT HAS A SCORE AND DEBT, IS THAT POSSIBLE WHEN THE FACTORS THAT MAKES A SCORE ARE NOT PRESENT?
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank sent an email invitation to both my husband and me offering a XXXX bonus to be paid if we opened a XXXX account with them on XX/XX/24 using a specific promo code, which we did ( we did this online ). You needed to have XXXX direct deposits totaling XXXX or more put into your account within XXXX  days of opening the account. You were also asked to use your XXXX  card for XXXX purchases during the same XXXX period. 

I called XXXX  to check the specifics of the promotion, to ensure that I was fulfilled all of the requirements, and they stated that I did not sign up for any promotion. Nor did my husband. 

I have seen XXXX  complaints online about Truist bank and their fraudulent promotions. 

This is just plain wrong, and they need to be stopped. Some people have argued, both in person and via phone, for XXXX, and finally got their bonus. Others never received a bonus at all. 

I already have a XXXX account with XXXX Bank, and am perfectly happy with it. I only opened these XXXX new checking accounts with Truist to get the XXXX bonus.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (AL)

Amid the corona virus scare, without warning and not due to my credit circumstance, this company decided to not allow me to borrow any money. I wasnt trying to borrow more, however, my credit line was XXXX. Now my credit line is being reported as what I owe at this time. Ive never missed a payment and in fact pay much more than is required. This company in my opinion is so selfish and XXXX for cutting customers ability to borrow and incorrectly reporting the situation. There was zero reason to cut my line of credit thereby damaging my credit score due to utilization.
Consumer complaint received 2020-03-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (AR)

Weltman Weinberg Reis collection agency bought my debt at a discount from XXXX XXXX. My credit report states the balance on the student loan the day it was closed is {$3400.00}. XXXX  is trying to collect {$4900.00}. Under the law, collection agencies are not permitted to collect interest or late charges that may have incurred on the account before it was sold to the collection agency.
Consumer complaint received 2020-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

XX/XX/2020 - Navient student loan company. Their representative " spoofed '' my employer 's phone number to reach me this morning. I believed it was my employer calling me since we are working from home due to the coronavirus. When I answered, I was shocked to realize it was Navient. The rep said, " Oh we got you now! So you are *my name*! Now confirm your date of birth so we can get started! '' They have been harassing me again about my private student loan and their aggression has only increased. I can't pay it and I've run out of forbearance options and lowering the payments won't help either.My XXXX   daughter has XXXX  XXXX and requires XXXX   XXXX  to prevent XXXX. 
Before today though, it's to recollect all the days and and times that Navient has been harassing me. Early morning, XXXX XXXX  at night, even weekends, it never ends. They've even called my employer before on XX/XX/2020. When I talked to one of their reps on that day, I explained to them that calling my place of employment and jeopardizing my livelihood was no way to work with me on this situation. And this spoofing phone call this morning at XXXX XXXX. was the last straw. I've tried telling them to back off with all the phone calls. I've told them my financial circumstances have changes drastically and their repayment plans were unrealistic. I'm at the end of my ropes now. I'm reaching out in hopes that someone can somehow help me. Thank you for your time, I do appreciate it.
Consumer complaint received 2020-03-19
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: Experian Information Solutions Inc. (SC)

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX   and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to Experian and XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not all.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXXXXXX XXXX Incorrect DOB : XXXX Collections under challenge : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
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. (TX)

On XXXX XX/XX/year> XXXX of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX status with start date. However In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to private ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2020-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation (MI)

I have two major complaints with Bridgecrest. The first one I was essentially forced to give up on ; I had zero agency as a consumer to do anything about because of my financial situation at the time. The second has just  arisen as a result of the pandemic. 

When I was car shopping I used XXXX. I found out who they used as their loan provider ( Bridgecrest ), and I called them directly to see if I could get a better interest rate. I was told not by one, but by two employees at Bridgecrest that they offered an interest buy down program. That is- the terms stated that if you payed XXXX dollars down within the first 60 days of the loan, you could knock off a point of interest. 

Knowing this, I then bought the car from XXXX. I then called Bridgecrest to them to say I wanted to do the buy-down, and the woman just told me something like 'yeah you just have to do it on the site ', which I did. Nothing happened, at which point I called them many times. The information started to vary, they some people told me that person had given me incorrect information, and others told me that yes, indeed that program did exist. Eventually I was left powerless, after having already purchased the car. This felt like an incredibly disingenuous bait and switch, and they should have the recordings of the two or more people that told me about this program, which I asked the managers to review, to no avail. 

The last issue that has pushed me over the edge and into filing this complaint, is that I called them to discuss some sort of hardship deferral on my loan due to being laid off as a result of the pandemic, and they simply told me that they were 'considering it ' and it would not be able to take effect until I was already in delinquency. This seems like yet another bait and switch, and completely wrong and disingenuous. I have read reviews of how quickly they repossess peoples ' cars after non-payment, and I am NOT falling into that trap. I want an assurance that I can put my loan, even briefly, on pause. Not to fall into delinquency with the vague hope that they'll honor some vague promise. I do not trust them.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Starting XX/XX/XXXX-to now XX/XX/XXXX I receive over 20-to 30 calls or more a day. Now at the resident that live at which doesn't belong to me, the owner is now getting harass and they are taking his picture and threats. Random people are showing up blocking the owner drive way and will not leave and sit and wait. The complaint is from portfolio recovery associates LL. The original creditor is XXXX credit card and my account was close showing on my credit report XX/XX/XXXX. Threats are calling me that I'm going to be arrested, served and now never ending. I'm being sued and a citation issued to XXXX XXXX XXXX.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

There was a large ACH debit hitting my Chase checking account that was going to put my account into a negative balance. So that day I called Chase. The representative said that he could Stop Pay it for a {$30.00} fee. I told him to go ahead. 

The next day I saw that Chase had paid it anyway despite the Stop Pay and I had a negative balance, along with multiple fees for Insufficient Funds. The Chase employee had obviously bungled the Stop Pay. 

Now today I have to cancel my plans because I have no money to spend. Thanks Chase, bunch of XXXX  from XXXX XXXX on down.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (AL)

I have been on hold to with Shop Your Way Sears ( aka Citi ) to suspend my payments due to Corona related income reduction for about 3 hours. Someone finally picked up and told me that if I place my card on forbearance my account will be closed. I asked how long the forbearance would be for and she told me I could not be given that information unless I was willing to close my account and that it would not be reopened ever. She then put me on hold again with dead air appearing to make it look as though I'd been disconnected. Finally, she returned to tell me I was being put on hold again awaiting talking with an account manager. My experience with this makes it clear that this credit card company is resentful in providing forbearance as the subtext of the conversation is actually a threat of forbidding future credit and making it so onerous it would be seemingly impossible to get done without and extensive time investment. I do not think it is the intention of the Care Act to treat people as bad credit risks and or make it impossible to later procure credit and require enormous effort to exercise the benefits it offers. This credit card company needs to immediately institute and easily accessible online application, complete with all details of how long the forbearance will be and how the paused payments will be handled once the forbearance is over. While writing this I finally was given a person to speak with who then told me at this point I could have my account shut down with no information on what that would mean and how it would impact me or my credit or I could call back at some future date and wait on hold again for many hours to see if their management had made decisions and made actual forbearance options available. Clearly, this company does not want to play, or comply with the spirit of the Care Act and is willing to make it impossible for people to benefit by it.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Asset Management, LLC (MN)

This is a third party account under a 3rd party collections Pinnacle Recovery Inc. I don't know anything about having agreed on setting up an account with Pinnacle. These appeared on my credit and I believed are incorrect. I have never given permission to use my personal information to open this account. My personal information was used to place this on my credit report, and have put inaccurate numbers and information. I had no knowledge of this and never gave my consent for them to use my personal information. This account is fraudulent. My information was given to a 3rd party collections which I am not aware of and never authorized.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Alliance One, Inc. (WA)

The filed a writ of garnishment for a camera ticket from XX/XX/2018, I never receive any notification that this debt was sent to collections or the legal action was going to be taken, I never was was properly served to come to court regarding this debt, when I called the collection agency that filed this they didnt have ANY information about the debt but they are garnishing money
Consumer complaint received 2022-12-31
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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Consumer complaint received 2020-03-19
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. (IA)

Equifax will not remove items from credit report that don't belong and their customer service is not accessible by phone or internet. Phones are not answered and login navigation is impossible on the website. They should not be in business or have any involvement in credit reporting.
Consumer complaint received 2020-03-19
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. (PA)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX   {$860.00} Account number XXXX Collection opened Loan Amount {$860.00} {$900.00} Payment Info Original loan amount {$900.00} Balance {$860.00} XXXX XXXX XXXX  XXXX Original creditor : XXXX {$0.00} 100 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Balance Loan Amount {$620.00} Payment Info Original loan amount {$620.00} Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$240.00} Account Info Hover over labels for more details Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$240.00} Past due amount {$240.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX {$740.00} Paid, closed Account number452912XXXXXXXXXX Account statusClosed Date opened XX/XX/XXXX {$740.00} {$500.00} Past due amount {$740.00} XXXX XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} Account Info Account numberXXXX  Date opened XX/XX/XXXX Balance Loan Amount {$5300.00} LABELS FOR MORE DETAILS ACCOUNT NUMBER XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX {$0.00} {$300.00} XXXX XXXX XXXX {$0.00} Paid, XXXX  XXXX XXXX XXXX XXXX Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Account Type Unsecured Balance {$2600.00} Date Opened XX/XX/XXXX XXXX XXXX {$210.00} Original creditor : XXXX Balance {$210.00} {$210.00} Opened XX/XX/XXXX Opened XX/XX/XXXX XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (CA)

Case # : XXXX In XXXX, I filed motion to vacate judgment and I won. judgment was removed and the debt was dismissed. 
The collector filed a lien in XXXX and XXXX and they were supposed to remove the liens off my property, but they did not after winning the judgment in court. 

collectors did not file lien release with the sheriff department to remove the lien off my property. 
The collectors have filed two liens on my property for the same debt/case number. XXXX in XXXX Both liens must be removed immediately and theyre not returning my phone calls.
Consumer complaint received 2022-12-31
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)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX