davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Berlin-Wheeler, Inc. (Kansas) (OK)

I AM XXXXXXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN ABUSIVE RELATIONSHIP AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXXXXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXXXXXX XXXXXXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO XXXX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, BERLIN WHEELER WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im currently paying for myFICO monitoring of my credit report. It alerts me with accurate up to date changes. I dont understand my credit score reporting but the fact that my score will go down 9-10 points for a {$39.00} charge that was paid overnight makes no sense at all. In fact the amount of points my scores decreased based on low amount charges but when I make {$2000.00} payments lowering those same credit cards my score will go 2-4 points. It makes absolutely no sense. Why are these companies reporting incorrect information, why is my score so severely changed for small changes that literally are on my card for a day. I believe its racially motivated and if my name was XXXX XXXX, the reporting and score would be totally different/higher scores. The manipulation to my score by all 3 credit bureaus is XXXX and wrong. On top of these departments method of reporting. How fo you report a {$200.00} charge, take my score down 10 points but I pay back {$700.00} in a month, you report it as {$120.00} and bring the same score up 4 points. Also, please dont give me the excuse of dates because Ive paid before and during my due dates. This makes no sense at all, very strategic the method of reporting and XXXX.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (GA)

I had an account with XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my XXXX  credit report. I confirmed with XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XXXX XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the XXXX of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my XXXX credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my XXXX  Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WI)

We were contacted by XXXX XXXX XXXX XXXX in regards to citibank secured credit card. 

THIS IS A SECURED CREDIT CARED ... WE PAID A DEPOSIT. WE DO NOT OWE MONEY.
Consumer complaint received 2022-12-03
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX*Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-11
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. (DE)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

i believe in XX/XX/2019, the federal reserve lowered interest rates. my loan is a variable rate home equity loan. i checked my XX/XX/XXXX statement and they did not lower my interest rate so i called them and they told me it would take a month before it is lowered, i asked to speak to a superior to find out why and was put on hold for 15min and they hung up on me. so i waited for the XX/XX/XXXX statement and the rates have still not been lowered. i called them again and got the same story except it takes two months before it gets lowered i asked to speak to a superior wait 20min and they hung up again. so now im contacting you. by the way when rates go up it seems to affect my rates immediately no months of delay.
Consumer complaint received 2018-02-26
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: Riverwalk Financial Corporation (DC)

Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX College XXXX. DeVille says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!!
Consumer complaint received 2018-08-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Thaxton Investment Corporation (GA)

On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX  Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
Consumer complaint received 2022-12-03
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. (IL)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CT)

I opened a checking acct online with key Bank on XX/XX/XXXX with the understanding it was a bank promotion of earning {$200.00} after 90 days. The requirement was that I needed to have a direct deposit of {$550.00} or more. I have had numerous direct deposits since then. I was expecting the {$200.00} around the end of XXXX. I called them and stopped in the bank and they seem to be giving me the run around. I did misplace the online code that I used to open the acct but they should be able to verify it. They are still offering the promotion as of today. How hard can it be to see I opened the acct online in XXXX. We are talking about {$200.00} not {$2000.00} or {$20000.00}. I feel like they should have deposited the {$200.00} within a reasonable time of investigating it. 

Thank you,
Consumer complaint received 2022-10-07
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: Great American Finance Co (IL)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

to whom it may concern. 
on XX/XX/XXXX, i purchased an Item from XXXX : {$140.00}, and the purchased was canceled, then on the XX/XX/XXXX the full amount of {$140.00} was credit back to my discover card end : XXXX this was showing on my discover account website. but on XX/XX/XXXX the discover posted the temporary an investigate pending amount {$140.00}??? why be cause the XXXX already credit & refund it back to my account on XX/XX/XXXX. now the discover card said I OWE {$140.00} back from XX/XX/XXXX as it said reversal on my account ' however it post as XXXX transaction {$140.00} ON XXXX?? WHY NOW?. From XXXX XX/XX/XXXX all my account statement never posted any amount {$140.00}, until now XXXX?? DOES THIS ACTED comply with the '' BUSINESS & PROFESSIONAL CODES ''? 
- Please be kind to fully investigate this matter, to ensure it won't happen to any consumer. 
BEST REGARDS XXXX XXXX CELL # XXXX
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/22 Spirit Elite card application applied for fraudulently through Bank of America. My credit file was locked Approx XX/XX/22 Another application for the same card was applied for from Bank of America previously. Spent hours on the phone, had to confirm my identity at a local branch to stop the application. They opened it anyway. Called their fraud department a 2nd time and they shut it down
Consumer complaint received 2023-06-24
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: DISCOVER BANK (NV)

The account was my ex husband 's who passed away and I am not responsible for his debt. A letter from my lawyer was sent stating that but Discover Bank did not respond to me or my lawyer. On XXXX XXXX  from Discover called and was going to send this to fraud but no results were communicated. Discover reopened the account on their own without my consent and I sent information that it was not my account and I did not open any credit card accounts. They continue to ruin my credit report and add interest and penalties. This is harassment, defamation of character and fraud on the part of Discover bank.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a text message saying that my Bank of America credit request has been approved. I did not apply for a credit request. I looked at my account online and there was a suspicious email that was not mine. I deleted the email in my account profile. I called Bank of America and I had two accounts in my name ( I do have one account with that company. ) Bank of America put a stop or freeze on the unauthorized account and informed me to cut up the credit card when it arrives in the mail. I was informed that no charges have been made on the account.
Consumer complaint received 2018-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Date opened shows XX/XX/XXXX on my credit report. 
Closed date XX/XX/XXXX Credit Acceptance is reporting to my credit that I owe {$2600.00} to them for a vehicle purchase. I do not owe this debt. They are stating I provided my licence upon signing an agreement, which is false, i did not even have a valid drivers license in XXXX, up to now. 

The vehicle that was sold was a lemon, and has been sold by the company to repay what was owed. 
I reported this to the XXXX, and was told I had a valid license which was apparently showed at signing.
Consumer complaint received 2022-10-07
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. (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-07
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. (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I submitted a fraud dispute on XX/XX/2016. Equifax actually deleted the account from my credit report but Experian failed to conduct a proper investigation and the account still remains on my credit report. It only took Experian two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit acceptance is a predatory company and set you up to fail. They discriminate against you thinking you wont pay them or cant because of your credit score. Illegal APR rates and failed to update the account as it is in dispute. Attached is my certified dispute letter.
Consumer complaint received 2022-12-03
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)

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 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

My FICO scored dropped from XXXX to XXXX ( XXXX  ) and from XXXX to XXXX ( Equifax ) in 1 month. I recently refinanced my home mortgage and both credit reporting agencies are showing duplicate hard inquires and an incorrect average age of accounts. I have had credit accounts since XXXX. XXXX  shows my FICO score at XXXX as of XX/XX/XXXX. 

If this information is not corrected with 30 days lawsuits will be filed against both companies seeking all remedies allowed by law.