davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (MN)

Hello Please review my attachments. 

I received this documentation on the mail. Ive been living at this address for 4 years and never received any type of collection debts. Why? Because I have no outstanding debts or no late payments ( Credit scores XXXX plus score on all 3 bureaus.. ) on my credit reports. Again see my attachments. 

My credit history and financial worthiness in 2020 speaks volumes. In the past in my military years while married I did have debt dues, while trying to survive with no handouts and based on hard work dedication and focus. A no excuses mentality. Review my attachments and then let me know please.

Retired XXXX XXXX Long Time Viable Citizen
Consumer complaint received 2021-11-17
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: Experian Information Solutions Inc. (OK)

Experian took over 30 days, and the original creditor and the collection agency did not respond to my certified letter, submitting additional documents. See attachment.
Consumer complaint received 2021-11-17
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. (IL)

hi XX/XX/XXXXhas a 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 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 transunion 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2017-06-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

I have opened  a Select Saving acco unt number ending  XXXX , routing  XXXX , with TD Bank using their online promotion on  XXXX  -17. I op ened  XXXX  checking account and saving account together and in their web site promotion was promised to pay {$300.00} for checking and {$100.00} for saving account if I fulfill terms in 90 days. I got {$300.00} for checking, while TD bank not posted {$100.00} rewards for saving account. I have kept {$20000.00} in saving account after I opened the account and as per the terms advertised I should get {$100.00} opening bonus. I followed up with the customer service on email multiple time and they confirmed me that I am eligible and will get in 95 days as per the attached email. I followed up now after 95 days over, got to know from their customer service that there was no such promotion. Wh ile  XX/XX/XXXX  email  attached, they promised, I will get the amount, but now they are saying I will not get.
Consumer complaint received 2021-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Talbot, Adams, & Moore, Inc. (GA)

The debt is from  XXXX  credit card company. The debt was included in my chapter  XXXX  bankruptcy (  XXXX  ) that was discharged in  XXXX . I have notified this company of of the fact that I have been  discharged  out of chapter  XXXX  bankruptcy several times. It appears that the debt is being sold time and time again because I continue to get calls and harassment continually by different  collectors  swearing they did n't know that I claimed bankruptcy. I have notified this particular collector of the chapter  XXXX  bankruptcy and its filing number, yet the debt still is appearing on my credit. Just a side note on the credit report it shows that the account was opened in  XXXX . That is n't true. I 've not had an account with this provider since the bankruptcy.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never used any Alias.. They have incorrect names on my credit report ..Incorrect addresses on my credit report XXXX XXXX in XXXX XXXX XXXX incorrect.. I have have mailed in certified copies for these purposes including inquiries..
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Please provide verification of your companys HIPAA authorization and proof that you have not abrogated my rights under the HIPAA Privacy Rule. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. 
XXXX XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Opened XX/XX/2021 Balance {$1000.00}
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Around XX/XX/2020 I contacted XXXX XXXX to report fraudulent activity on my account. The company reversed the unauthorized charges but failed to remove the late payment they reported on XX/XX/2020. I tried contacting them recently to try and get this corrected, however customer services informs me that they are unable to go back past 12 months on my account ; therefore unable to investigate the late payment. Im contacting this agency for assistance in getting this late charge removed from my credit report.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kingston Data & Credit International Inc. (CA)

Theres a gym called XXXX XXXX they tricked into a membership to sign up for a promotion they had for {$1.00} a month and then turned around and said I owe them around {$2000.00} dollars! Now they have sent my account over to a collection agency named Kingston collection Ive tried to dispute this with both the gym after they never canceled my membership after the first month of me requesting to cancel it they also told me if I didnt work out there after that month it would be automatically terminated! I would like this matter to be properly resolved and Kingston collection to take me out there database!
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB (OH)

Klarna is a buy now pay later service. I purchased something from XXXX and we agreed Id pay them {$60.00} a month for 6 months, and theyd earned 24 % interest. 

I returned an item, and the balance was adjusted, but they still want the full 1/6 payment. This means that the purchase will be paid IN FULL IN 3 payments. 

Klarna advertises that its XXXX interest if you pay in 3 payments. 

They are refusing to remove the finance charge and they are refusing to adjust each monthly payment to spread it out over 6 payments as agreed. 

Purchase was for {$360.00} or so, returned a an item, which brought the purchase down to XXXX. 

Klarna customer service said they would spread the payments out, lower each one, over 6 payments, 3 times via customer service chat. 

That hasnt happened, and even when escalated, no one at Klarna responded, they wants me to pay in full in 3 payments. My next payment is {$60.00}, way more than 1/6th of the purchase. 

If Klarna wants me to accelerate payment, I should not be charged interest. If Klarna can spread it out over 6 payments as agreed, I have no problem paying interest if they dont accelerate final repayment.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

Ive been victim of identity theft for more than 3 years, because I lost my back pack that contained all my important documents. 
I filed a police report and I put a freeze in to my credit bureaus. 
there were 6 collections accounts under my name, I took out 2 accounts already but i still have 4 to go and one of them is this medical bill from XXXX  XXXX XXXX XXXX of XXXX . 
Even though the person has my lost ID and social but Im sure he doesnt look like me in the picture.
Consumer complaint received 2020-02-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Sallie Mae was the original holder of my student loans and sold them to Navient. When I experienced hardship, Navient refused to provide me with alternative repayment plans, such as income-driven repayment plans. Navient consumer representatives told me these types of plans didnt exist and the tone on the phone was such as a bully to force you into a bad decision. I was paying two of my loans on time every month. Navient had a glitch in their system and stopped taking auto payments from my bank account monthly. Navient blamed me for the stop in payments, my bank information never changed. My brother was a co-signer of my loan. The original lender Sallie Mae released the funds to my brother who was not attending college. They refused to allow him to return the check and send the check to me. My brother gave me the check to use for school. They failed to release him as a co-signer. Navient failed me as a customer. I settled my loans with Navient for less than I originally borrowed. Navient predatory actions cost my credit score to be affected and reports often as account paid for less than full balance. I seek redress from the Consumer Financial Protection Bureau as I was harmed by Navients illegal practices. I ask the Bureau to  take action to have Navient cease and desist from reporting negative credit information to credit bureaus. Navient failed to provide myself with the basic protections of the law.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Recovery Services Inc. (RI)

I have had repeated phone calls from XXXXsomething. Finally, I got sick of it and started answering just to see what they wanted. Yesterday it was XXXX, today it was XXXX. Always very noisy in the background like it 's a call center. I can make out Diversified or XXXX something, calling to collect a debt owed XXXX, not paying could go on my record, call may be recorded. Today I was able to make out that they think I owe them about {$240.00} and they wanted to know if I was going to settle the debt using a credit card or checking account routing number. 
No mention of thirty days to dispute. Both times my reply was " I have n't had an account with XXXX in about a decade. I am not paying you anything. '' and hung up.
Consumer complaint received 2022-12-15
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I went to XXXX XXXX. I was never able to use my so-called degree to help me get anything in terms of work after I graduated. I was supposed to get a full refund, but I have been getting the runaround from the department of education.
Consumer complaint received 2022-03-25
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: Atlanticus Services Corporation (VA)

Good Afternoon, My credit card on XX/XX/XXXX was charged 4 times for purchases in MA and FL on the same day. This charges exceeded {$200.00}. I immediately alerted the credit card company these were fraud. 

After being on hold for an excessive amount of time, the company told me there was nothing they could do until I filed an affidavit, which they would mail to me. Today is XX/XX/XXXX and they have yet to send it to me. 

I just made a credit card payment and I had to pay the interest on these fraudulent charges. I asked many times to speak with a supervisor and the answer was the same - - we can do nothing for you - - this is our policy. 

In addition, while speaking with the associates from the credit card company they were dismissive, secretive and abusive. I live in XXXX, was in XXXX when these fraudulent charges occurred. My card was on me, however, they did not care. Oddly, at the same time, they offered me a credit line increase so I would spend more money. 

I am also XXXX and have XXXX  XXXX. No one would help me, or care to help me. I am paying interest on fraudulent charges and no one will help me. 

Thank you.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (LA)

In year XXXX XXXX , Credit Acceptance gave me my monthly call for payment like clock work. I've made monthly payments of XXXX to credit acceptance for a total of 1 year and 6 months never late. I spoke with a customer rep name XXXX, I told her I would be late this month due to personal matters and I asked if there could be a week extension she said she couldn't make that happen. I explained to her I've never been late and due to me going threw a divorce I just didn't have all the funds cause I was paying for a divorce. The rep XXXX told me I'm sorry but we all have lives if you need a job we're always hiring and proceeded to give me the websites credit acceptance online careers info. I was polite and said thanks but this dose not change my situation she said well what can you put down I said I can't put full amount I can put XXXX down and I need an extension for remaining balance. Rep XXXX finally took and all the sudden could honor my extension. 
So for my used XXXX XXXX XXXX 4 door silver balance for vehicle was XXXX. After getting extension I requested a total pay off quote for my vehicle. Well I found I was being charge a 26 percent arp which brought my pay off request to more than what the blue book value was for a used vehicle. So I said I couldn't afford that and rep XXXX proceeding to tell me responsibility and how repression is started. I told her please can I do promised weekly payments and answer was no. So I tried to make next payment and failed due to late payment and fees and new payment. Credit acceptance made me fail due to crazy payments. Now I'm a XXXX XXXX with XXXX loans and now have a repression on My credit report and now turned away for another loan. This has caused so much issues I will never suggest credit acceptance to Noone. Due to all this inconvenience XXXX  XXXX is XXXX and I'm stuck paying XXXX for my vehicle be taken due to late payment arrangement. Thanks credit acceptance for not helping us low income XXXX XXXX.
Consumer complaint received 2020-02-19
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)

On XX/XX/XXXX, I applied and was approved for a new Citi ThankYou Premier card. As part of the signup terms, I was offered XXXX Citi ThankYou points after spending {$4000.00} within the first three months of account opening. The terms clearly stated that " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' After quickly meeting the minimum spend requirement, I patiently waited for the XXXX ThankYou points to post to my account. However, after not receiving anything for several months, I reached out to Citi on XX/XX/XXXX to inquire about the points. I was advised that I did not qualify for the XXXX points offer because I had opened an account in the last 24 months. 

While it is true that I opened up a new Citi Rewards+ card through a product conversion, no new cardmember bonus was received for this card. Accordingly, because I did not close any Citi ThankYou accounts in the past 24 months and because I did not receive any new cardmember bonus in the past 24 months, I was still eligible for this offer. 

After escalating this issue via phone, and explaining how I clearly qualified based on the terms, I was told that my issue would be escalated and that I would hear back in 5-7 business days. I just received a letter in the mail today that special offers aren't available when an existing account in the same product has been " approved or closed '' within 24 months. 

This letter, while I imagine not with deceitful intent, completely misrepresents the terms of the signup offer which state that you are eligible as long as you have not received a bonus or closed a card. The terms on the website do not say that this also applies to account openings for which no bonus is received. A screenshot of the offer terms is attached.
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (CA)

Ive been trying to fix the problem with XXXX   for a while. It started when I first got a credit card. Someone used my credit card fraudulently and without my knowledge and as a result they went over my credit limit. I fixed the problem with my credit card company. And when they fraudulently used my credit card and went over the limit my credit score went down from XXXX to XXXX. I asked XXXX  to fix the problem but they refuse. And since Ive been trying to fix this problem Im noticing that its impossible to fix my credit now with them. For example I paid a balance down and my credit score went down. Its supposed to go up not down. Ive been noticing someone is checking my credit hundreds of times without my knowledge and my credit score keeps going down. This is the last time I will try to deal with this before suing this company.