davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I have an account on my credit from AFNI # XXXX in the amount of {$260.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.
Consumer complaint received 2023-04-03
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. (KY)

On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted Transunion by phone to see why the account is still showing a balance. I was told by the XXXX representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank is repeatedly calling me every day multiple times a day ( about 5-6 times if not more ). They are also contacting family members and none family members ( according to this last obnoxious person ). They are primarily dialing from a 614 area code as well as arestricted number. Today I never identified myself I merely asked if I was being recorded then the collector stated that she left a message for ME with Ms XXXX and I was supposed to call Comenity back? I am not related to any XXXX. This Call occured XX/XX/20 about XXXX XXXX.
Consumer complaint received 2019-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (KS)

Thank you for your recent contact dated : XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2023-04-03
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)

Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The dates of activity are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number : XXXX XXXXThe dates of activity are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX account number : XXXX XXXXThe last reported date is incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account XXXX XXXX. The date last reported is incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number : XXXX XXXX. The date open reported are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number XXXX
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Report act 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 a account without my written instructions
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2019 a funds transfer credit XXXX XXXX in the amount of {$6200.00} was transferred to another account as instructed by the representative and a decline of all future transactions was placed on the prior account, which was closed on the same day to avoid any further charges. ; the account was closed and the representative placed a decline of all transactions on this particular account of 35 years. Representatives on both sides walked me through the procedures and assured me that there would be no more problems ; get a new machine, new ID and this machine would be protected. The old machine was cancelled from the account. a new account ID was suppose to be applied to the to avoid any future hacking ( hacking was verified by the merchant security department ) that could offer more security services so that transactions could be monitored. we purchased another machine which was recommended by the sales representative, received training on the new credit card machine which gave many options to protect the ministry. I provided the company the new bank account information ; three weeks ago so that in according to the representative, this would allow full use of the new machine ; I was told that the new account was in no wise to be touched by any means/ as it was in no wise connected to this account due to the old account closing. On XX/XX/2019, the new account received chargebacks in the amount of {$33000.00}, no notification, bounced checks $ XXXX overdraft. I contacted the bank who stated they had nothing to do with it ( even though the transaction reads Bofa ) they referred me to the merchant who informed me that they had sent paperwork regarding the charge backs because they were not able to identify where they came from and could not take the loss. They would contact me 3 to four business days to discuss their motives for leaving us without any money in the account.
Consumer complaint received 2019-04-27
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. (VA)

I changed my legal name in my local circuit court on XXXX. Then changed with XXXX and Virginia XXXX. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/19 - XX/XX/19 Specific dealership - XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX, AL. 

While researching trucks, XXXX XXXX 's XXXX had the truck that I had been looking for. I called and was greeted by the internet sales manager (  XXXX ). I informed the manager of my budget and the importance of staying beneath {$400.00} a month. The internet sales manager reassured me that this was feasible with no money down, and no trade in required. I was reassured that this was the case whether I leased the vehicle, or purchased it. I was informed that they hadn't met their sales quota for the month, and were 12 vehicles short. I was also advised that the finance manager would do whatever is needed to make the truck fit into my budget due to the dealerships numbers for the month. Examples were given that the dealership had special coupons to discount the vehicle even more. During the conversation I was reassured this was a forsure thing. I submitted my loan app online to reduce time at the dealership. 

The internet sales manager followed up with me prior to me leaving my house and advised that due to me and my family driving from a different city/state to purchase the vehicle it would be in the price range I needed to be. I was advised to ask for the assistant manager XXXX upon my arrival. My wife and I rushed to get our XXXX kids ready and arrived before closing. 

A sales rep ( XXXX ) greeted me outside and walked me to his desk. I informed the rep that I already had a deal booked and only needed to speak with XXXX. The rep stated he was brought up to speed and would be assisting. From there a paper app was recorded, even though I had already submitted one electronically. The sales rep pulled the vehicle around and allowed me to test drive. Once we returned the sales rep stated the best they could do is {$620.00} a month. I educated the rep that the deal was already set, and the monthly payments would be less than {$400.00}. He went back and spoke with the finance manager who now requested to purchase a vehicle that I had no plans on trading in. Even with the trade in allowance that I was told wouldn't be needed, the monthly payment was still higher then what was originally agreed to. The offer was declined but the sales rep asked for me to give him to noon tomorrow to try and work the deal. My family and I left and drove back to our city/state. 

The next day came and I was forced to follow up with the dealership myself. I was informed that the closest they could get to my previous quote was XXXX on a lease with more than 2k for a down payment. The offer was declined and I informed the sales rep that I will be leaving feedback from my experience. 

Transparency was key, and not present during this transaction. Had I known this wasn't an option, I wouldn't have ran my credit, nor would I have driven my family to a different city/state.
Consumer complaint received 2023-07-19
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: The Capital Good Fund (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The Tradelines XXXX XXXX XXXX  are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX, I returned an item to XXXX that I had originally purchased using the American Express Bluebird card. XXXX processed my return and provided me with a credit receipt. Moments later, I viewed my Bluebird account and saw that Amex had processed this transaction as a purchase instead of a credit. Amex out a hold on my my account for {$21.00}. I called Amex and they said that XXXX processed the transaction as a purchase and that they did not see a transaction for a credit. Despite me telling them that I had the receipt and transaction number as proof that it was a credit, they refused to lift the hold on my funds. About two days later, the XXXX credit came through despite Amex telling me that they had no evidence of the credit transaction. My funds still remain on hold with no help from Amex. I do not believe that XXXX caused the purchase transaction, but rather I believe that Amex is illegally holding my funds to capitalize on my money.
Consumer complaint received 2020-06-06
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. (CA)

I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, Transuinon and XXXX  did not. I asked XXXX  and transunion how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say XX/XX/2020
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This was about 6 years ago or so I withdrew money from an atm machine outside of Bank of America in XXXX California for XXXX the machine never dispensed my money but gave me a receipt as if it did I went inside to let them know there atm machine outside was malfunctioning to find more people complaining about the same problem the bank stated they could not do anything about the situation all they said was call the number on the atm outside and they will fix it. I got on the phone and they reimbursed my account within the 24 hours or so about two weeks later I get a letter saying they are going to take that money back that they investigated and there was nothing wrong with the machine so the account was already low when they removed the money back bringing the account to a negative I went to the bank the next day to complain and they tell me the same thing they cant do anything about it and to call the number so I stopped banking with them and now I have this on my credit report as a negative
Consumer complaint received 2019-04-27
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: WELLS FARGO & COMPANY (FL)

I opened a secure credit card with Wells Fargo over 5 years ago and was told I would receive my {$300.00} back in 1 year as long as I maintained my account, which I have done. My fiancee opened an account the same time and her card was transferred to unsecured in 6 months. Now 5 or more years later, maintaining on time payments, they are still holding my money with no reason as to why. I have contacted several times with no reason as to why.
Consumer complaint received 2019-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have multiple inquiries from the same company and around the same month or two never applied for some of the items that are listed. Like about 6 capital one bank or any that shows up more than once
Consumer complaint received 2020-06-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/2019 Experian PLC I have had problems with credit report abuses. I found I could put a freeze on my credit reports. Because of the problem I wanted to put a freeze as soon as possible on my reports. 
We are retired and are full time cruisers on a small yacht. We are currently cruising the XXXX until XXXX when we will return to the States. 
I had no problem setting up my freeze with XXXX. When I tried to set it up with Experion, It refused my request and told me that I had to send information in by land mail and they would review it. 
We do not have access to safe land mail out of the XXXX so I tried to contact them via email but they do not provide an email for that contact. 
Now, I can not secure my credit report from fraud and being that they are one of the top 3 reporting companies, we as consumers, are required to deal with them. Yet, they refuse to allow me to contact them via the only method I have available and refuse to allow me to freeze my account and make it safe. With an email contact, I could send them whatever information they need : ie. Drivers License copy. But, they refuse to do so. 
I consider this a violation of the Legal aspect that binds them and want to file this complaint.
Consumer complaint received 2019-04-27
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. (FL)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Unkown : XXXX ; Unkown : XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2017-06-20
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: CITIBANK, N.A. (FL)

Citi bank, otherwise known as CBNA did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from Citi because my magnet strip was not working on my current Citi card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from Citi nor have I applied for a credit line increase on my current Citi card.
Consumer complaint received 2023-04-03
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. (IL)

P

lease remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.
Consumer complaint received 2023-07-27
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. (NJ)

My name is 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 2019-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Century Credit & Collections, LLC (CA)

I received the first collection statement dated XX/XX/XXXX, from Century Credit & Collections , LLC. The statement was addressed to myself and also listed my XXXX minor children. First amount requested was {$1400.00}. Total amount listed was {$1900.00} " due '' by XX/XX/XXXX. There was no breakdown of charges for either amount. 

I sent a response letter asking for a breakdown of charges and to advise of the XXXX minor children as they should not be listed. I received a voicemail from XXXX XXXX requesting payment and asking if what I had stated in my response letter was true. 

The next letter from Century Credit & Collections , LLC dated XX/XX/XXXX listed a new amount due of {$1900.00}, " due '' XX/XX/XXXX An additional letter dated XX/XX/XXXX stated that I had been given sufficient time to pay my debt and that I have ignored their attempts to collect the debt. The new amount due was {$1900.00}. 

This agency has been adding to the balance due approximately every XXXX weeks, with no breakdown of charges.