davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I attempted to get a loan for a car on XX/XX/22. They ran my credit when I went XXXX XXXX in XXXX MD to go purchase the vehicle, I was told that, in addition to my finance charges, I would be required to put a down payment. That is illegal per 12 USC 1605 b which prohibits additional fees outside of finance charges.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (NY)

I changed phone service provider from XXXX to XXXX  on XX/XX/2022 and before transferring provider, the new provider has to call previous provider to end services, a process that was done successfully. XXXX months later I received a bill from XXXX of about {$530.00}. After getting XXXX mails, they reported me to a debt collector and filed a dispute and the debt collector did not move forward with collection. After a month, I received a letter from a different debt collector and filed a dispute and they promised to get back to me after XXXX. I also contacted XXXX by phone and went physicallly to their nearest store requesting a validation of the bill since their services were previously prepaid and there was no way I could owe them any debt. I did not get a response from XXXX and kept receiving threatening mails from XXXX XXXX services. I finally reached out to XXXX XXXX services by phone and a staff informed me that my matter was no longer with them but attorney and transferred my call to the attorney. I discussed my issue and she promised to communicate with XXXX to avail me validation receipt for use of services and up to date I haven't received any communication from them. Yesterday I got an alert from my bank about being reported to the credit Bureau by XXXX XXXX. Kindly help in this matter. I have worked hard to build my credit score and would not like a bill that I don't understand ruin it. Looking forward to your kind response. Thank you.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Activehours (AK)

XXXX Attempted to move {$250.00} from my Earnings tip Jar to my XXXX  XXXX account XXXX  XXXX was unable to be connected to the Earnings app, error stating no checking account associated with the account. My checking account is still active, and only the earnings app is the only app having issues with connecting to my bank Contacted Earnings and they suggested I open a new bank account to access my money. 

Earnings is holding onto my money and not letting me access it. Claims zero work arounds as it's my banks fault, however, only earnings is having an issue to access my XXXX  XXXX account.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.
Consumer complaint received 2022-01-26
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. (CA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-01-06
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. (MD)

I received your mail Trans union, you seem to be confused about my request to have negative items removed from my credit report. you Transunion are committing fraud! According to chapter 15 U.S code section 1681 states a consumer report should not include a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. to put in layman terms the experiences reported on my credit report like utilization is not permitted. all accounts on my report showing balances should be removed immediately! my accounts should show XXXX balances. all inquires should be removed. furthermore it also states that my report ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. you have all my personal information shown to the public and this violates my rights to privacy. this puts me in harms way and in danger. have all my information removed as soon as possible. Adding on ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. this is self explanatory i did not ever gave you consent or permission orally or written to furnish my personal information. this is IDENTITY THEFT! ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. Transunion why are posing as cfpb. you are a third party. reseller of my information. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. show me proof of any agreement that allows you to do this. if not you admit to knowingly breaking my federal laws and putting my life in danger.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX  a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : 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
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

National Credit Systems, a registered Collections Agency is attempting to collect on an alleged debt of {$4500.00}. The alleged debt originated from the property Agave Courtyard Apartments. This alleged debt is not owed because Texas XXXX XXXX satisfied any owed balance. In addition to Texas XXXX XXXX assistance, I was on a month to month with XXXX XXXX XXXX  and not in any legally binding lease agreement with them, and the balance owed to them was paid down to a zero balance. A proper investigation with Texas XXXX XXXX will reveal that XXXX XXXX XXXX  received payment on my behalf to satisfy any past due balance owed at the time. So therefore not only is XXXX XXXX XXXX attempting to damage my credit profile due to monies they have already received from myself and Texas XXXX XXXX, National Credit Systems is reporting erroneous information on my credit profiles to the credit reporting agencies that is inaccurate. And according to 15 U.S. Code 1681s2, it is my right as a consumer to make sure that all the information listed on my credit profiles is being reported accurately. It explicitly states that 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. A person is defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. and per 15 U.S. Code 1681s2, the only entity that can validate the accuracy is the consumer. So I the consumer am notifying National Credit Systems Inc, that the information they are reporting, is inaccurate and therefore should cease reporting this inaccurate information, and cease all collections activities.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

I hired XXXX law to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over XXXX XXXX XXXX. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
XXXX XXXX XXXX  IC Systems XXXX XXXX multiple accounts XXXX multiple accounts
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (TN)

Suntrust bank instead of waiving and nsf fee as requested provided temporary relief and then charged the fees 30 days later. This was not explained on the phone at the time but was outlined in a letter sent out 2 weeks after the discussion. On XX/XX/2020 they charged by checking account XXXX. I was on hold for 45 minutes waiting to speak to a supervisor with the customer service number and gave up. I then walked into the XXXX branch XXXX, TN and spoke to XXXX. He said he also could not waive the fee and offered the 800 number I was just on. I then asked for the legal department phone number because I receive VA XXXX and those funds are exempt from garnishment and collection attempts. I'm filing a complaint to have all NSF fees charged to the my account during the life of this account opened to be refunded XXXX US Code 5301.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : 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
Consumer complaint received 2020-06-15
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)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have a Citi Advantage credit card that I barely used over the last year. I was charged a {$50.00} membership fee and was unaware due to the fact that I barely use the card and didnt see the email with the membership fee charge on time. I got an email in XXXX regarding a late payment and called up and paid the membership fee immediately on XX/XX/20. The due date was XX/XX/20. I was aware it was late and requested to speak to a representative so I could square away my fee and close the account which I did. Apparently I got an email in XXXX, XXXX and XXXX regarding a late fee and accrued interest fees that were piling up but due to Covid pandemic I was not on top of my emails starting in XXXX. I got XXXX  with XXXX  at the end of XXXX and recovered in XXXX and then gave XXXX  early XXXX. Due to these circumstances I was not on top of my emails. In XXXX I looked back at my emails and noticed that Citi bank was sending me notifications of a late fee and interest accruing on the late fee. I was confused because I was certain that I had closed that account in XXXX and squared away my balance. When I called to speak to the representatives at Citi credit card company, I was bounced around to different departments and was told that the late fee only was charged at the next closing cycle of my account and that I should have checked my account even after I closed it and was under the impression that I had cleared my balance. This was very upsetting to me because Im a responsible credit card holder, I pay my bills on time and have outstanding credit ratings will all my cards. I asked as a courtesy if they could waive the late fee and interest possibly because I felt that I shouldve been notified at the closing of my account that there would be a late fee charged on the coming month cycle despite my closure. I was not notified of this and was lead to believe that my account was closed and paid up. They refused to acquiesce and insisted I need to pay the amount due. I spoke with a supervisor and was told the same thing. I dont feel that i should be responsible for all the accrued interest and additional late fees that would were charged after the closure of my card.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

No help whatsoever from WELLS FARGO. XX/XX/23 to today XX/XX/23, still waiting for an authoritative individual to call me. Since a XXXX clerk tampered with my account without my authorization, heres the repercussions I am suffering : Cell phone disconnecting. 
{$400.00} fee for XXXX cancellation due to non payment. ( And not being able to have XXXX ) Not being able to purchase gasoline or food. 
This is all due to this clerk filing a claim and canceling my card 2 hours after I hung up with him. And told him very very clearly to NOT to touch my account and leave my card alone. He insisted that I purchased a golf membership on MN, and he even repeated himself after I told him I HATE GOLF AND I LIVE IN AZ. 
I have had trouble with my digital wallet in which an employee couldnt even get it to work. I was told a debit card was being rushed to me, really? When? Why cant someone call me and resolve any of the issues and new ones? Also, transactions coming through the account will encounter late fees, and cant even make any payments, but the problem exists. How do I pay for late fees for multiple transactions, all because of the control your clerk took while collecting a paycheck?!
Consumer complaint received 2020-06-15
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

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
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (KS)

Money orders were sent for the following months XX/XX/XXXX arount {$610.00} XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} Direct debit was sent for the following months : XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} Open court case through the city was open XX/XX/XXXX for unsanitary living conditions. As followed. XXXX in bath tub XXXX running down basement wall. XXXX infestation with no pest control treatment for several months. Had to stay in hotel months XXXX XX/XX/XXXX because of XXXX and drain floes. Kids school offered for family to shower at the school. This problem wasn't fixed until XX/XX/XXXX. Rental lease stated rent to be $ XXXX month until XX/XX/XXXX the property is charging $ XXXXmonth. Payments made have not been posted on property 's resident portal and have been blocked to view.
Consumer complaint received 2020-06-15
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

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