davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLIANT CREDIT UNION (PA)

Opened my account 14 months ago, faithfully made {$100.00} deposits as required every month for 12 months to receive a {$100.00} bonus per their promotion. I let the balance accumulate over the 12 months to over {$1000.00} before withdrawing {$500.00}. They have not credited my bonus, claiming my {$500.00} withdrawal made me ineligible because I was not allowed to make any withdrawals before the bonus was posted. That was NOT mentioned in the promotion which only highlighted " {$100.00} for depositing $ XXXX. for 12 months ( which I DID MAKE ) and also promoted " no minimum balance and fees ''. So unless they buried the balance requirement somewhere in fine print- which contradicts the big print, they're either mistaken or its misleading advertising. They should pay me the {$100.00} bonus I earned by following the $ XXXX deposit for 12 months which I did, or someone should file a class action lawsuit for deceptive advertising.
Consumer complaint received 2017-08-29
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 had a private student loan with XXXX XXXX XXXX in XXXX. The account was past due in XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the XXXX and XXXX dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations XXXX XXXX listing : XXXX XXXX XXXX. Account number XXXX
Consumer complaint received 2024-06-08
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The CMI Group, Inc. (NC)

I received a text from a debt collection/ credit management on behalf of a prior toll road charge on XXXX XXXX XXXX, I followed a link and it took me to their website. The website told me to confirm my identity and gave me three options, enter date of birth enter last four of social and an other option. I entered the last four of my social and it prompted an failed to verify account to which it then gave me the other options and so I entered my date of birth and it prompted failed to verify account. At this point I realized that this company had just stolen my Personal Information and they pose a potential threat to my information. I need to know what to do about this situation as soon as possible. This is the text they sent me Credit Management , LP has been issued XXXX XXXXXXXX XXXX. XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX by the North Carolina Department of Insurance
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

The XXXX XXXX card does not have a website where users can login and make payments. Since I first got the card in XXXX of this year, their website has said that new registration is " temporarily unavailable. '' The only way to make a payment is through a very bare-bones form that accepts your credit card number and only allows you to make a one-time payment. You can't schedule more than one payment. There's no way to set up automatic payments. You can't see any statements or history. 

That means every month, you have a window of time during which you must go through this weird, tedious process. I would never have expected that in 2023 a credit card would not have a website, would not have online accounts, would have no way of viewing statements online, or would have no way to set up automatic payments. 

I did make a miss a due date and paid a few days late, because my life is not set up for paying bills the way I did 20 years ago. The fee was {$30.00} for missing a payment by a few days, one time. I did get them to give me a " credit '' for that {$30.00} fee, which they said they can only do one time. The only way to find out that I was charged a fee was to compare my receipts from the store to the balance on their payment form, do the math, and call the customer support XXXX number to ask about the difference.
Consumer complaint received 2022-04-13
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. (GA)

In accordance with the Fair Credit Reporting act 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, 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 an account without my written instructions
Consumer complaint received 2022-04-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Hello Digit, LLC (TX)

I canceled my digit.co account in XXXX but they have continued withdrawing funds from my account. I contacted them to make sure I didn't have a second account, and they said the account holder 's information did not match the information on my drivers license and bank account statement. My wife does not have a digit account either. They then refused to work with me to prevent the continued theft of funds from my account.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Joint credit card opened in XX/XX/XXXX with former spouse. After divorcing in XX/XX/XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and XXXX the account in XX/XX/XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (OK)

When applied, they said all purchases for carnival would apply. They did not apply the XXXX XXXX per the case notes each call. Ive called each month to correct it because there was interest charged. They state the calls are recorded and the first call made my intentions clear that if it wasnt XXXX XXXX  I was going to do a balance transfer. They assured me that it would be XXXX XXXX. They said it should reflect on my account XXXX days. The XXXX call, they said it does not apply. They lied and would like the recording to be reviewed and interest pod to be returned.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: iQuantified Management Services, LLC (VA)

I have received solicitations/harassment over the span of about three ( 3 ) months from iQuantified Management Services ( hereinafter " company '' ) .These forms of solicitation/harassment were in the forms of phone calls, voicemails, and text messages. I spoke with someone on the phone and informed them I had no dealings with the company. I asked how they obtained my personal information to contact me and the man apologized and hung up. I continued to receive unwanted contact in which I began keeping a log starting on XX/XX/2023 at XXXX. I kept this log of every time and form of contact they made with me from that day. As the harassment continued, I sent the company a NON-NEGOTIABLE NOTICE OF CEASE AND DESIST on XX/XX/2023 as I could not take the harassment and disruption anymore. I exercised my federally protected consumer rights and gave the company a plain and clear notice to cease and desist. In my notice, I plainly and clearly stated my terms and conditions if they violated my rights further. The company received my notice on XX/XX/2023 and was signed for by XXXX XXXX at XXXX. The company then violated my rights and failed to honor my notice of cease and desist on two ( 2 ) occasions, tacitly agreeing to my terms and conditions. These additional violations were XX/XX/2023 at XXXX, and XX/XX/2023 at XXXX. Again, I have nor have I ever had any dealings with this company. This appears to be a sign of identity theft due to the unauthorized use of my personal information and without my consent. I then sent out a NON-NEGOTIABLE NOTICE OF DEFAULT IN DISHONOR AND ESTOPPEL mailed on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. Followed by a NON-NEGOTIABLE NOTICE OF DEFAULT IN DISHONOR AND OPPORTUNITY TO CURE mailed on XX/XX/2023 and received by XXXX XXXX on XX/XX/2023. Mail was sent Certified Mail with return receipt. I can provide that information or copies if needed. All notices were notarized before they were mailed as well. In my terms and conditions I stated simply that I seek compensation for the violations of my consumer rights, unauthorized use of my personal information, harassment and unauthorized solicitation, aggravation and distress, and disruption of my life. I have yet to see remedy. I feel I have been generous with my time and patience to the point where it has run thin. I DEMAND REMEDY IMMEDIATELY from iQuantified Management Services.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I am being sued - Creditor identified as XXXX - only received Hearing Notice from Court - PRA provided no Notice of Lawsuit or documentation relative to lawsuit - this info was requested at Hearing - Lawyer did not provide it - Lawyer insisted it is my responsibility to chase info down with Lawyers listed on Hearing Notice - Lawyer present was not Lawyer listed on Hearing Notice Prior to Hearing, Court Clerk directed me to speak with Lawyer in Settlement Room - this Lawyer hit me with a barrage of personal questions pressing me to sign a paper acknowledging debt that would clear debt without payment - I repeatedly requested Lawyer representation - this Lawyer insisted You do not need a lawyer- I refused to sign paper My legal rights are being violated by this predatory Collection Firm & its equally predatory Legal Representation who fail to provide appropriate Lawsuit Notice with Documentation to which I am legally entitled - further, Lawyer listed on Hearing Notice was not Lawyer present & denied my request for Legal Representation as well When attempting to text PRA about this alleged debt, 2 additional alleged debts were referenced of which I had no knowledge - upon calling to request info on these alleged debts, info provided by PRA indicates dates 25-30 yrs old identifying creditors as XXXX XXXXXXXX & XXXX- I questioned legality in MA as far as collecting on such outdated debt as well as citing 2017 Bankruptcy filing - representative read Disclaimer Statement in very rapid paced speech- I requested he repeat it slowly so I could clearly understand but even in rereading it pace was too fast - I requested Disclaimer Statement in writing ; however, I have not received it
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

I paid this account in XXXX in full Acct # XXXX. I spoke with a customer representative stating they would send out a paid in full letter and remove account from my credit report. I received a paid in full letter dated XX/XX/XXXX. 

I just checked my credit report today XX/XX/XXXX. The information report : Date Last Active XX/XX/XXXX Date of last Payment XX/XX/XXXX Balance : {$990.00} Last Reported : XX/XX/XXXX This Company over the last 2 years has reported incorrect information on my XXXX Credit Report. I have made complaints on this company in the past. All information in this complaint is drastically incorrect. I would like this account deleted from my report.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I tried to contact this company about about 2 weeks letting them know that this account was open up fraudulent in my name and the party that open it up has passed away and this company has called me numerous a times harassing me in reference to this and now they are reporting this on my credit bureaus with fraudulent information and this needs to stop and whats crazy is that they allowed someone to open up this account without proper information and now its affecting my credit
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unauthorized
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (CA)

It has been over 30 days In regards to providing the proof of my original wet signature proof that I owe this debt. I have asked for proof and if it can not be produced then I have requested to remove this debt off all credit bureaus the company is reporting too.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (CA)

I sent my letter out on XX/XX/2022, notifying EXPERIAN that I am a victim of " identity theft '', along with my " identifying information '' according to XXXX XXXX XXXX ( g ) of what " identifying information is '', Name, social security number, date of birth, Driver 's License, the " identity theft '' report, identification of the information on my consumer report and a statement that the information is not information relating to any transaction by I, the consumer. That my request to block is not being made in an error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. EXPERIAN is required to block and delete the reporting of any Information that I, the consumer identifies as " identity theft '' no later than 4 business day of receipt by such agency according to 15 USC 1681c-2.

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a CREDITOR of the consumer or from a CONSUMER REPORTING AGENCY.

EXPERIAN stated the identity theft accounts were verified, but how is that possible if they did not do a proper investigation according to the LAW. What information did they used to come to a reasonable conclusion that the accounts are verified. Their respond is frivolous and completely bias. Also the bureaus have a duty and obligation to make sure every piece of information on my credit report is 100 % accurate because The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to the FCRA 15 USC 1681 every information on my credit report has to be 100 % accurate.

EXPERIAN is still reporting inaccurate information on my report even after being notified that the information being reported is from identity theft and have willfully failed to comply with the FCRA act, Federal Law and are in violation of 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) SEE ATTACHED
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX   Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Hard inquiries without my consent and knowledge fraudulently 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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. (CA)

Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX XXXX  said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from XXXX.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (IN)

XXXX has passed a debt to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX for {$600.00} on XX/XX/2019. I have a current account with XXXX. This is an invalid claim. I would like this taken off of my credit report.