davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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: Modern Asset Management, Inc. (FL)

I have filed a dispute with XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-05-21
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. (PA)

I started to dispute my accounts with Experian, XXXX and XXXX since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above XXXX credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.
Consumer complaint received 2022-05-21
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. (IN)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX, 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 a account without my written instructions
Consumer complaint received 2022-05-21
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. (NY)

THIS ACCOUNT IS NOT MINE XXXX AND XXXX YOU PUT A FRAUDULENT ACCOUNT UNDER MY NAME! Saying collections! NOT MINE THIS XXXX XXXX XXXX XXXX FOR {$140.00}!! I DO NOT HAVE THIS OR KNOW WHO THIS IS! Remove ASAP OR I WILL CONTACT A ATTORNEY
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Upgrade, Inc. (MN)

In XXXX of 2022, I saw an offer at XXXX for the Upgrade XXXX  XXXX card. They tout an offer of {$400.00} for opening the account. 

I went ahead and went through their account opening process and found out that it was essentially a loan. They charged interest on the XXXX transactions that I made ( even though paid in full / on time ). To get the {$400.00} for opening the card, you needed to post XXXX transactions to the card in 60 days, and it would post 1-2 billing cycles after this happened - or so I thought. 

After contacting their customer service, I learned I needed to ALSO open up their Upgrade XXXX  Checking account. Never in the process was I provided a link to open up a second account or asked to do so. It was after the 60-day period closed, that I contacted their office to see about the account bonus and they said I needed to open a checking account and that my 60-day window had closed. 

Here 's how they word the offer when you open up the XXXX  card : " To qualify for the welcome bonus, you must open and fund a new Upgrade Rewards and make XXXX debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your XXXX Checking account. Your Upgrade Card must be in good standing to receive a bonus. '' If that isn't misleading, I don't know what is. I even sent several notes to their support team to ask, " do I also need to open up a checking account to receive this reward? '' and they replied with the same message above. 

I'm reporting this to warn others not to interact or sign-up for this credit card. Also for XXXX XXXX for promoting this misleading offer. It is a loan, associated with a credit card and charges crazy rates. There shouldn't be a product like this on the market. 

Thank you.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX, Friday, XXXX .P.M. EST I called Bank of America, Live Chat Line, Closed the account, and just made payments only the last XXXX years out of XXXX  years as a cardholder. 
I have made my monthly payments to Bank of America each month toward {$3000.00} since being a cardholder in XXXX, and my balance remains {$3000.00} ; my most recent payment was made on XX/XX/XXXX for a minimum due of {$88.00}. 

Bank of America XXXX Please investigate this matter for me. 
Thanking you in advance.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis (LA)

I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX  is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an closed account reporting on my credit report being reported by experience and TransUnion from XXXXXXXX XXXX XXXX  that was closed XX/XX/XXXX and the date of last payment was XX/XX/XXXX however it has been constantly changing the date last active which should be my last date of payment which is extended my statue of limitations and perpetuating this incorrect information on my report am requesting method of validation the process used to validate this debt and all correspondence you have 15 days to provide this
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (HI)

I opened a checking account with Citibank and enrolled in a promotion offer to obtain a cash bonus of {$1000.00} with {$75000.00} deposited. I received the email confirming my enrollment on XX/XX/XXXX, but after the specified time period I did not receive the cash bonus. 

After contacting customer service over several months, I was repeatedly told that there did not seem to be an issue with the promotion bonus and I would receive it shortly. However, I recently received a letter in the mail, dated XXXX, that the promotion was not offered in conjunction with the account that I opened. This is contradictory to the original email I received stating that I was enrolled in the promotion offer.
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

Recieved call from a collection company regarding an amount owed to previous landlord for back rent following moving out of our apartment. The apartment claimed we did not give adequate notice of vacating. We were told by the apartment complex that we would receive a written notice of amount due following move out. This written notice was never received. We requested a written statement from the collection company and received it after 2 requests. After receiving written statement with amount due, we reached out to the collection company regarding payments to resolve the amount. Spoke with a gentleman who informed me that making a payment and continuing to pay each month would prevent the amount from being placed on our credit reports as a collection account. Following that conversation, I immediately went online and made a payment. I then called and informed the representative that I had made the payment. I did this to be certain that I was following the correct procedures to protect our credit and resolve the debt and was assured that I was. Within one week of making the payment, the company hit both mine and my wifes credit with a collection account, which was extremely detrimental to our score. I then spoke with the representative at the collection agency again, letting him know that a collection account was placed on our credit, and he informed me that he would be speaking with his manager to get it resolved and removed and would be calling me back that afternoon. I never received that callback. After two weeks, the representative did call back. He was oblivious to the conversation wed had prior regarding the collection account. He assured me AGAIN that he would reach out to his manager and have him speak with me directly. I have yet to receive a call back, and can not get in touch with the manager despite repeated attempts.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been in contact with Capital One via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

The company is Portfolio Recovery according to google. They call from various different numbers from all over the country and never leave a message. They harass with their multiple daily calls from all over the country. They use different numbers to avoid getting caught. Please stop this harassment! They have over XXXX collection complaints on the BBB website alone for these practices. 

Last number called from XXXX, XXXX Their actual address and phone number is : ( XXXX ) XXXX Portfolio Recovery Associates, LLC 21 years in business Headquarters XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-05-20
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank in XXXX OH XXXX XXXX XXXX XXXX Recently started account with Citizens Bank in XX/XX/2023. Few Weeks later previously requested for account to not be closed because I had a tax return being direct deposited into this account. When my money was deposited on XX/XX/2023 I was able to use some of my funds via phone. The next day when I went to nearest branch to withdraw money they closed my account and put it in review for some apparent reason. Its frustrating because I been waiting for weeks now, behind on payments promised to be met and I believe Im still in review currently. I started this account to access funds for a vehicle for my transportation and to help start a family business in the summer. Also was going to pay a couple bills I was behind on including rent, lights and insurance. My children just recently had birthday activities cancelled due to insufficient funds caused by this action. Also school is next month and I would like to start purchasing supplies needed for me and my family soon asking for immediate assistance please and thank you.
Consumer complaint received 2023-03-06
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Collection Account {$170.00} Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$0.00} Opened XX/XX/XXXX Closed, 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 a account without my written instructions
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good morning, I write again in relation to my complaint number XXXX, I have not received a response yet, but I want to inform and leave in writing that on XXXX I received an email from XXXX, signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I responded to that email the same day and also called the number indicated in the same email to confirm receipt of it, however, I was answered by voice mailbox in which I left all my information including my phone number so they could call me back, again on Friday, XX/XX/XXXX, I called again and the answering machine dropped again and I have not yet received any response to the email in answer or to the calls. 

In the same day, Friday, XX/XX/XXXX, I wrote again to the encrypted email sent by the bank where I again indicated that the response indicated in that email regarding my claim was not going to be accepted, and that it required that they send me all the information about those operations, from which computer they were made, the codes sent to authorize them and the hours they were made, and even information about the recipients of those transfers. 

Once again, I appreciate all the support you can give me regarding my claim, since as I have indicated, these people took my lifesavings, and clearly these transactions do not have the characteristics of the usual transactions made by me, and that I would never have taken out that amount of money that way and leave my accounts practically without money without notifying the bank because it is practically having to close them. 

Thanks for your good offices, Best regards.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance auto loan. I have tendered payment via U.C.C. 3-603 - 3-604 sent a Promissory Note via certified mail XXXX with instructions on full payment for discharge. The instrument has not been honored, nor returned according to law. They verbally or the phone say they dont not accept form of tender which is in direct violation of the discharge/ Dishonorable not operating in the spectrum of the truth and lending act. They are not transparent.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

First off my name is XXXX XXXX and I am not a credit repair service. I am an individual exercising my rights for fair credit and proper credit reporting. I demand the following information removed and deleted from my account as per the listed laws require. 

All three of the credit reporting agencies stated back that they had fully completely investigated the items listed yet if you look at the copies of the credit report that I supplied you will see that they were in accuracies incorrect dates and incorrect amounts. This is grounds for removal XXXX violating my rights. Under 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agencies can not furnish an account without my written instructions. The credit bureaus also took more than 30 days to complete my investigation. Tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CA)

I need clarification into how XXXX is coming up with this XXXX XXXX XXXX account that is verified as Accurate. I recently submitted a dispute directly with XXXX and on XX/XX/XXXX I received the results.The results state that the date of first Delinquency is being reported correctly and as a date of XXXX. ( see attached dispute results ), but if you look at my equifax CCR it shows different information on my timeline ( see attached timeline screenshot.Equifax is reporting on my payment history A 90 day late in XX/XX/ and a XXXX late in XX/XX/, so how is that equifax is saying the that the date of first delinquency is accurate and Verified as accurate. It can't be correct
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I need Capital One Auto Finance to Update my Account with the current correct credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX  score as soonest possible.