davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Sullivan Asset Management, LLC (NC)

I received a phone call XX/XX/XXXX at around XXXX from an unknown number at work and the message stated I would be served with papers for a civil claw suit against me within 72 hours if i did make arrangements to pay, and since I had not responded to a letter set to my house back in XXXX of XXXX. They person told me to call another phone number for more information. I called the phone number and was told that I was being sued for an account I had with XXXX that either had bank fees collected over time or that I over drafted and did not repay the money back. he was not sure which. but if I did not set up a payment within 72 hours I would be served to go to court and to pay the court fees along with the amount I owed of XXXX, stating that would equal up to XXXX dollars I would have to pay back. I asked for an email from the company to see what i am being charged for and still does not explain what fees or overdraft document of this bank account.The man stated i would be working with the XXXX XXXX XXXX to pay back the money but not sure who i was making payments to.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

Had a previous promo with 0 % interest that was about to expire. Thought I paid off the balance, but payment was applied to a different balance transfer that was not to expire until later in 2019. It was my understanding that the payment would be applied to the promotional balance that was to expire first. Spoke to the credit company and they would not correct the problem.
Consumer complaint received 2018-04-12
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. (TX)

XXXX XXXX XXXX XXXX AUTO LOAN: ACCT XXXX LOAN XXXX: THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX XXXX XXXX XXXX" XXXX DOBXX/XX/XXXX (SHE HAS BEEN REMOVE)
Consumer complaint received 2019-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (CA)

In XX/XX/2017, I switched phone companies XXXX bought out my XXXX contract as part of the deal for switching to them. Then in XX/XX/XXXX, I noticed XXXX was still charging my bank account. I went through all my Bank statements and realized they had started charging me {$80.00} a month starting in XX/XX/XXXX without sending any sort of bill. 2 months after XXXX bought out my contract. I called XXXX Customer service to figure out what the issue was. The gentlemen on the phone told me that he could see that I had switched services but was still showing I was being billed. He submitted a refund request for me and closed everything completely. Then in XX/XX/XXXX, my mom received a letter from XXXX at her house halfway across the country as I live in CA and she is in MO. it was a bill saying I was past due {$170.00} and it was going to collections. I called XXXX customer service again to figure out why they are still billing me. The women told me that my account was closed and it was an early cancelation fee. she also informed me that my refund request for the 6 months of being charged {$80.00} was denied because they informed me that they were billing it in my email. which I went back and looked I did not receive one invoice from XXXX the only emails received were wanting me to come back to XXXX. I asked for the {$170.00} to be waived because they had stolen money straight from my account while I had no services opened with the company during the time. and XXXX bought out my contract to include all fees. This request was also declined. I tried explaining the situation to the debt collectors. XXXX messed up on closing my account when I switched to XXXX, they refuse to reimburse me and the debt has hit my credit report 3 times. No one has been willing to work with me on resolving the situation. I don't understand how the same debt can continue to knock my credit score for something that was XXXX mistake and they refuse to take responsibility.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been more than a year that I have been dealing with this distress. OnXX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against Equifax, XXXX, and XXXX in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit onXX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set for XX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX and Equifax where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2022 to XX/XX/XXXX, several unauthorized charges were made with the total of {$17000.00} which were posted to my account. These purchases were made in stores such as XXXX XXXX, XXXX, and XXXX XXXX in XXXX XXXX. I had reached out to my bank ( Bank of America ) and asked them to freeze the card and filed for credit card fraud. On XXXX XXXX XXXX Bank of America reissued my credit back into my card in its entirety. However, today XX/XX/, Bank of America reinstated some of the charges back into my credit card because " the purchases were made with a chip and verified by signature ''. Currently there are 3 outstanding charges, {$1200.00}, {$7000.00}, {$5800.00}. The bank stated that they felt these purchases were legitimate and that I would be expected to pay. They also stated that if I had felt that the charges were fraudulent, that I would have to go to the stores themselves and ask for proofs of purchase and see if the store can do anything on their end. I find it frustrating that I have to do the work for the bank, instead of the bank trying to protect one of their customers.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX  bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; 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/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.

Im response to the previous dispute, Lexis Nexis has not contacted me via email, by phone or mail as stated in their response. I have provided all necessary documents requested in the response. 

Thank you, XXXX
Consumer complaint received 2019-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Writer resided at XXXX XXXX XXXX and upon moving out, keys were returned and expenses satisfied, XX/XX/2013, The apartment complex claimed that I owed a fee of {$500.00} and I didn't know about this until XXXX XXXX notified me as I was in the process of starting rental process with them. Writer phoned XXXX XXXX numerous times to question the unknown fee, manager at the time would hang up on me or simply have secretary refuse to put my calls through to her, since I could not get in touch with with anyone, I satisfied the unknown debt through their payment system in order to secure the new apartment with XXXX, yet XXXX XXXX continues to refuse to remove the negative item from my report. I am not the first person XXXX has done this to, being vindictive.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Apartment complex XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, where I happened to reside temporarily. I summited an application to become roommates with the person already living there XXXX XXXX back in XX/XX/XXXX. Application was then approved. Fast forward to a few month 's later XX/XX/XXXX. I managed to get an apartment for myself in which I was needing rental history. Which then I went over to the leasing office at XXXX where I happen to find out there was never a new lease made with my name on it showing proof of me being a resident there. That brought upon many issues as the apartment complex I was wanting to move into needed that history before approving my application. The manager of the leasing office at XXXX was made aware by another employee that my name or information was not a part of the current lease they had in hand. Therefore, the manager had to email the new complex and let them know of the office error for them to approve me as it had nothing to do with me not completing what was needing on my end. The new apartment complex at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, then approved me. Later on XX/XX/XXXX I receive an alert that an account on my credit has been open owing {$260.00} from Genesis Credit Management that XXXX is now billing me for rugs I am not responsible for as I had no bedroom in that apartment. Now I have this debt lingering on my credit effecting my score and my future home purchasing. SOMEONE PLEASE HELP ME.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (LA)

I first sent a letter to the courthouse on XX/XX/2022 asking the court do you report any personal information to any of the credit bureaus second I sent out a letter to the credit bureaus ask in the credit bureaus who furnish this negative information on my credit report Each letter I sent to the credit Bureaus was certified by mail On XX/XX/2022 I got a response from XXXX XXXX and XXXX but did not get a response from Experian and over 30 days I then send out another letter to them Experian on XX/XX/2022 I waited again over 30 days and still got no response from Experian
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (CA)

this car was reposessd in XXXX aroud there. td auto needs to update correct balance.. car was sold on website www.carvana.com in XXXX all you have to do is type the vin number online like carfax and you can see car was sold. 

td is trying to sue but i already filed a motion to vacate cause td never served correclty im gonnna i hired a f.c.r.a attorney to sue td auto remove this account off my credit and stop lawsuit
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (CA)

I took a loan out with this company Speedy Cash for XXXX around XX/XX/2018. The company. This company was allowed to take deductions every third of the month. In XX/XX/2018 I enrolled in to XXXX XXXX XXXX in order to pay my bills Each company submitted how much I owed at that time. This debt company has been working to settle all of my debt. I recently applied for a credit card and was denied due to this company sending this account to collections. I have made 3 payments of XXXX and after enrolling in this program this company took and additional XXXX from my bank account. I had to close this checking account of 15 years to prevent this company from taking more money out of my account Speedy cash was aware that I was in this program and Im still in this program nowThey have been reporting a higher amount owed of XXXX on my XXXX Credit Report. I didnt get credit for any of my payments made to them. This amount is not correct
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I had the Citi Diamond Preferred Card for a while now. Citi invited me to convert the Citi Diamond Preferred card into the Citi Rewards+ in  XX/XX/XXXX. I accepted the invitation and it took some time for the process to be completed. Meanwhile, I received an offer ( that's the false advertising offer I am complaining about ) that I can use my Citi Diamond Preferred Card to get cash back of 5 % ( up to {$25.00} ) until end of XX/XX/XXXX. So I activated this offer on XX/XX/XXXX ( Please refer to screenshot ). In the meantime, I received my new Citi Rewards+ card in the mail but didn't activate it as of this moment. 

When I called Citi to inquire whether the cash back offer is still available or not, they told me it's no longer valid since I've already converted my Citi Diamond card into the Citi Rewards+. So Why are they sending me an offer for the citi diamond card on XX/XX/XXXX to activate the cash back process while at the same time they are converting my card into a citi rewards+? There was clearly an overlap in that. I received the conversion offer to citi rewards+ in XXXX and while the conversion process was taking place, I received the offer on my citi diamond preferred card to earn 5 % cash back online. This is a clean false advertising and a scam that is pulled by Citi and they are no stranger to scam whether it's in the past or the present. 

When I tried to talk to supervisor, he/she didn't bother to talk to me and transferred a message through the customer service representative. It was obviously the same thing the representative informed me about ( That the offer has expired with the conversion of your card from citi diamond preferred to citi rewards+ ). How come it expired and you are giving me until end of XX/XX/XXXX to use it!!!??
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (OH)

Experian says they need more info to generate a FICO score, even though I got a secured card from XXXX XXXX. I talked to XXXX XXXX. They never heard of Experian doing this before. Experian 's partner orgs keep sending offers for $ XXXX, 24.9 % or higher cards to " help me build credit ''. I'm wondering if they would suddenly have enough information to generate a XXXX score if I took one of these offers and they got a XXXX XXXX  or referral fee out of the {$99.00} annual fee, ie pay- to- play. I can't prove it, but it looks predatory. Please look into it
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-16
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Equifax credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment. XX/XX/XXXX 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( 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. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX