davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation (TN)

World finance in XXXX Tennessee her name is XXXX she opened my loan up used my checking account information to pay another loan off. She then paid my loan off after it being. Open for 1 day and the. Ask if I wanted another loan I told her no she stole XXXX outta my checking acct and I still haven't got it back. That company is into fraud badly and needs to be investigated by a professional with law enforcement.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (FL)

I was sent a letter saying i owed {$840.00} by a debt collector trying to use XXXX XXXXXXXX XXXX  name. 

CHASE RECEIVABLES XXXX XXXX XXXX XXXX XXXX NJ XXXX The bill says date of service XX/XX/19. I have never received a single letter or notice of this bill existing. I have never heard of the existence of this debt. I told them the debt was false and they said they will still pursue me. They were harassing me. They were asking for personal information that I refused to provide because I think they were trying to steal my identity.
Consumer complaint received 2019-10-04
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: CNG FINANCIAL CORPORATION (SC)

I have a hard inquiry on my credit report from XX/XX/2018 for this company : CHECKNGO/AXF XXXX XXXX XXXX XXXX, OH XXXX I never applied for any credit with this company.
Consumer complaint received 2019-05-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Repeated calls after speaking with agent and letting them know I would return call after contacting original debitor. Less than 12 hours gone by repeats calls to other family members, in-laws, spouse, spouses place of employment, out state relatives, repeated calls to 6 different relatives or connections in 1 hr after I fail to answer. Ive asked to only contact my number.
Consumer complaint received 2022-01-25
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. (FL)

I XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification
Consumer complaint received 2022-01-25
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. (FL)

Attempted to remove inaccurate collection account from Credit Reporting Agencies. Failed to remove after supposedly verify with collection company. This is in regards to a collection agency that is trying to collect on an account from XXXX XXXX that was closed and paid in full. 
Attachment 1- Final negative account balance Attachment 2 - Account noted closed in comments section.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Sent a letter to all credit reporting agencies on several occasions asking that they update my personal information. I sent a letter with a drivers and bill showing my correct name and address. Consequently, They all have decided that the information they have is verified and will not remove those inaccurate findings. Who are they to tell me what my name is? XXXX is not the same as XXXX. They will not remove any/all information that does not reflect this correct information. Therefore they are reporting inaccurate information. There is no active credit company listed on my report that should be using no other information than what has been proved.
Consumer complaint received 2023-04-04
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: SANTANDER HOLDINGS USA, INC. (MS)

On XX/XX/2022 I went to a XXXX XXXX XXXXXXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Consumer complaint received 2021-07-23
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: AMERICAN EXPRESS COMPANY (CA)

American Express advertised a 0 % interest promotion for 12 months for my existing American Express card. I went to the website indicated to sign up. 

On XX/XX/XXXX, I received confirmation by email that I was approved for the promotion : " We're writing to confirm your new promotional Annual Percentage Rate ( APR ) for eligible purchases as described below. 
Your promotional APR for purchases is 0.00 %. 
Your promotional APR is valid from XX/XX/XXXX through your billing period ending in XX/XX/XXXX. '' I went to the website to change my autopay from the full amount to the minimum payment. At the time I made the change of payment amount, the system without my knowledge also changed the payment date. A payment had been scheduled for XX/XX/XXXX, and my changing the payment amount apparently cancelled that payment. 

On XX/XX/XXXX, I got a notice of a late payment. I contacted American Express. After much discussion, they waived the fee. I made the payment manually and I thought that was the end of it. 

On XX/XX/XXXX, I saw a charge for $ XXXX in interest. I contacted American Express immediately. According to the representative, the one-day-late payment invalidated the 0 % interest promotion. 

I paid off the entire amount then and there. After more back and forth and supervisors called in, they agreed to a {$50.00} goodwill refund, but said that they would not completely reverse the interest charge and in fact they would charge " trailing interest '' on the balance that I had had from XX/XX/XXXX until XX/XX/XXXX. 

I always pay off my balance in full. It seems clear to me that this 0 % promotion was set up to sucker unwitting customers into paying interest.
Consumer complaint received 2022-12-02
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. (CA)

You keep ignoring my requests and let this fraudulent account distress my credit score. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially ... and I would truly not what to pursue a legal remedy ... Delete this immediately : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CCB Credit Serivces, Inc (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I moved two months ago and had a couple charges for moving. I verified to bofa that these charges were valid. A month later bofa Risk and Closures Division which is a " rouge division within BofA '' ( as stated by a Manager at BofA ) froze my account and limiting to it as credits only. Since that has happened I have been unable access my pension money and social security money ( ss restriction is a clear violation of Federal Law ). I am a XXXX XXXX XXXX retiree that now can not pay my rent or food.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, Equifax, XXXX, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified
Consumer complaint received 2022-01-13
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. (CA)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I used Moneygram to transfer {$150.00} to my wife in XXXX. I used their service in the past and money was deposited within an hour into her bank account. After a week, I contacted them several times and I was told I had to wait 90 days for an investigation. They had no issue taking the money from my account, but try to pin the responsibility on the receivers bank. My wife contacted her bank and the money was never deposited. I called again and said it was true that money was never transferred to their bank but there was nothing they can do to refund my money until the 90 days.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

I believe I am a victim of identity theft. I disputed the fraudulent information ( JPMCB CARD ) from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Keep receiving communication from LVNV funding for debt collection. The debt owed is for XXXXXXXX XXXX XXXX  in the amount of {$750.00}. I have no knowledge of this account and this is negatively affecting my credit score
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (LA)

As of XX/XX/, Equifax shows no information about me ( personally ) or any credit information relating to me on-line. This is the 2nd time in ( 60 ) days that this has happened. Why has my complete file disappeared from their on-line records? I have no issues with XXXX or XXXX XXXX I am requesting they check their records and tend to this matter immediately.
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (SD)

On XX/XX/2019 I received a letter in the mail from Ally Bank stating that they were giving us 15 days and then our account would be closed. The letter was dated XX/XX/2019, so 8 of the 15 days had already passed before we were notified. Ally Bank did not call us about the issue either. I repeatedly contacted Ally Bank customer service in their online chat and on the phone during the next few days and they wouldn't extend the time period before account closure and they wouldn't let us keep the account, and our savings account open. 

I think that they should have made more attempts to contact us regarding the account closure and we should have had 30 days notice, not 6 days notice. Notice period needs to begin when customer acknowledges receipt of notice and not just when Ally Bank company decided to date their letter. 

Ally bank won't even honor outstanding checks that hadn't been processed before the account closing date. I think that Ally Bank needs to be held accountable for shady business practices.
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (TX)

I received a check by mail for {$2400.00} and I checked in. I was paying regularly my debit but I found myself in a difficult situation and I didnt pay for two months. I woman XXXX, started calling me to my work place almost every day, been so rude and aggressive towards me. I explain to her that she can no longer call to my work place and I has having returned her calls even if she still abusive with me. She called me ones again asking me to my work address and I explained that I can give that to her. She in putting my work in risk with those calls. Im working to have that loan pay, but I cant right now.
Consumer complaint received 2019-07-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (IN)

I receive phone calls from this company from different numbers. From the above number I have received phone calls 4-5 minutes apart. They are calling my cell phone through all of their different numbers. I have told them NUMEROUS times, that I can not receive phone calls until after XXXX as I can not receive personal calls at work. They ONLY call before XXXX. One individual told me that they don't have to abide by the call times outlined. He also advised that their phone system is on an automatic dialer so they do not have the ability to stop calls during any particular time of day. They should know that they can not call cell phones without express consent and that they can not be called on an automatic dialer. 

I have requested verification be sent from this company but they have not sent this to me directly. 

The company name is The CBE Group.
Consumer complaint received 2019-01-29
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from funding loan services. I did not initiate these inquiries.
Consumer complaint received 2019-10-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I wrote a letter to XXXX/Dept of Education asking them to remove the late payment on my credit report on a good faith adjustment. They never responded to me. On XX/XX/XXXX, I wrote the first letter to Transunion to dispute my report as well as sent them the information showing that XXXX received my letter and documentation and never responded. When the investigation was completed, nothing had been changed. On XX/XX/XXXX, I wrote the second letter disputing my credit report based on false reporting. XXXX is reporting that I was current in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but 90 days late in XX/XX/XXXX. When I received notification that the investigation was completed, once again nothing had been changed. I am filing a complaint on Transunion. Based on the Fair Credit Reporting Act, they are responsible for reviewing the accuracy of the disputed item and that has not occurred.
Consumer complaint received 2023-04-04
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. (FL)

I have contacted all three credit Bureaus XXXX, Transunion and XXXX to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

Tried to cancel card and refund annual fee. Barclays insisted that I needed to pay the annual fee in full, and would incur interest if the fee was not paid in full. 

Barclays should have refunded the annual fee and XXXX  out the account. It seems to be a system issue, and one that is unfair to the consumer.
Consumer complaint received 2022-01-25
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. (VA)

XXXX Bank is reporting 3 accounts on my Experian credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts. 

I don't know what else to do. 

The accounts are : XXXX XXXX XXXX XXXX XXXX