davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States | 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone opened a credit card at bank of America in my name. I never opened the card or used it. I got a call from bank of American to confirm a charge made on the card was me, and that's when I found out it. I received the card in the mail the very next day. Bank of America closed the card, and disputed the charges made. Since that happen, my credit score went down XXXX, I got letters in the mail saying I requested to forward my mail to another address away from my home address, also away from my mothers home address which is linked to my social security number... which I did not do.. I also had someone do my taxes this year at XXXX XXXX in XXXX Texas. I have yet to receive my refund and i am unable to contact the business that did my taxes. I'm thinking this might be connected..
Consumer complaint received 2020-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (FL)

I purchased a sofa from XXXX XXXX and was approved through American First Finance. I was not told that I had a buyout option within 100 days. I found out on XX/XX/XXXX that my balance doubled. I called American First Finance and they told me that I could pay off the balance of {$330.00} instead of the {$880.00}. I called tonight XX/XX/20 and was told that I could not pay the {$330.00} and that I would have to pay the {$880.00}. I am so upset! I work hard and was willing to pay that amount today and could not. This is not fair for hard-working people trying to do the right thing. This is false advertising. They should make every consumer aware of their terms UPFRONT. Now I am being forced to pay double the amount on a sofa. I could've gone to a rental place to pay that ridiculous. I was not expecting this. I feel that they're taking advantage of the consumer. Please advise.
Consumer complaint received 2020-01-31
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: Experian Information Solutions Inc. (CT)

The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was denied credit by XXXX XXXX  because Transunion credit is reporting incorrect information and refuses to send me a credit report where I can refute this information. This happened on XX/XX/2020. They will not provide me a free credit report since I was denied credit through their reporting. They have a XXXX credit card which I have never agreed and list other incorrect information on my credit report and is reporting incorrect information about my XXXX XXXX  credit card reporting.
Consumer complaint received 2020-01-31
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. (MA)

In XX/XX/XXXX I contacted XXXX  and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX  I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted XXXX  again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXXif it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like Trans Union and XXXX   removed this particular account from my credit report lastly TransUnion is also disregarding a disputed account from Creditor Information XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with XXXX  as well also an account showing closed with acceptance Now for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/XXXX XXXX
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

They are harrassing me at work and on my cell ph. keeps calling my company and asking for me. Very rude and trys to give them information about my loan to my coworkers
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (AR)

On XX/XX/XXXX the vehicle was in an accident and totaled. I called and informed them and asked how to proceed. My mom and XXXX XXXX  grand baby were hurt in the accident. On XX/XX/XXXX it was finally seen by my insurance company because the lady that hit her, lnsurance company hadnt done anything. We were in the middle of Covid off of work. On XX/XX/XXXX my insurance company cut a check for XXXX payoff on the vehicle and they received it on XX/XX/XXXX. They did not apply the whole amount I kept calling and finally got it corrected but they started showing my account as 60 late and on my credit I had never had a late payment. It was a one time on just that one account and in 7 years. I called multiple times asking for a courtesy removal of the late reporting as I had always been a good customer and the account after getting everything strait was paid in full and actually they were overpaid. This was a terrible time and hardship on our family with my XXXX XXXX XXXX mom injured and trying to fight hospitals and insurance companies to get everything taken care of. I know this was our debt and we have worked hard all these years and when trying to pay off it gets late charges that negatively impact us long term. I kept in constant contact with XXXX and kept them aware of every step. I understood that I was doing the correct thing when talking to customer service representatives. They show late in XXXX but say it was paid XX/XX/XXXX.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (TX)

I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX  for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX  complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX.
Consumer complaint received 2020-01-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

The account is showing as closed when account is open. Account is charged off and car was repossessed but I payed past due balances and got car back and back in good standing with Chrysler. However account is still showing as closed and past due by over 6,000.00 $ when in reality balance is at XXXX and monthly payment of XXXX are being made until XX/XX/2021.
Consumer complaint received 2020-01-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

Removal of XXXX accounts on report should be made. I have disputed these accounts with CFPB and XXXX. I have received letter confirming removal of these accounts which should not have been reported in the first place.
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

On XX/XX/XXXX, I noticed 4 collections accounts on my credit report from XXXX XXXX XXXX ( NRA ). I have never been contacted by this company. I sent a certified letter to NRA the next day letting them know their claims are disputed and validation is demanded. Instead of sending validation of the accounts, NRA added 2 additional debt collection accounts to my credit report on XX/XX/XXXX. I still have not heard from NRA nor received validation of any of the accounts they have reported.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: USCB, Inc. (CA)

USCB America is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt, I called and paid it immediately. I was very confused about this debt because I had no idea it even existed. I never received any calls, notices, or letters about this debt which violates my 30 day right to dispute. Not only did they fail to notify me for one of the debts but TWO. How does this happen? After paying and giving them some time to update I check my credit again to find that the debt is still being reported. This is ridiculous!!! I don't understand how this company can add these items to my credit without notifying me and continue to report debt when I have paid them. This is erroneous and ridiculous. I need this removed from my credit file IMMEDIATLY.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. Auto Sales Inc. (GA)

I had an auto loan with USAauto I was paying on time. I filed XXXX  BUT DID NOT invluse the vehicle. After filing I continued making my payments. The car was totaled in 2021 and paid off by the insurance company. USAauto reported the car was XXXX via XXXX and this not correct. I disputed this on my credit report and it still remains there
Consumer complaint received 2021-12-07
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: Mr. Cooper Group Inc. (CA)

I am XXXX XXXX and I am submitting this complaint myself. SETERUS INC is reporting late, yet it is closed and the balance is zero as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( SETERUS INC XXXX )
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (NV)

improper use of my credit report ..Inquieres that dosent belong to me ..Please remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I debt showed on my credit report from a debt collector representing my previous apartment. 

I had no clue why they were saying I owe this amount, I moved from the apartment almost a year ago and owe nothing. I never received any notice about a debt. When I call the collection agency the representative was extremely rude and unwilling to provide information. She kept saying you do owe it and you did get notifications. 

A few weeks later I received a letter from them with my least and a letter from apartment manger which was not signed stating that the charges are for damage to the carpet due to me having a pet. 

I believe the information sent to me was fabricated because the property manager was well acquainted with me and my nephew who lived in the apartment. She knew we didn't have a pet. I lived at the apartment for 3 years and I never had any pets. First of all I am XXXX to dogs and cats. The apartment was clean and no damage to the carpet other than regular wear and tear. On my lease I made a deposit of {$350.00} I tried to contact the apartment and was told that the management company no longer manage the property and they didn't have any previous information on my lease. 

Please investigate this collection agency and report them to all Federal Agencies. I believe they are committing fraud and intentionally trying to destroy people credit and scam them out of money. I am not sure if the apartment management company is giving them false information or if they are just creating fake debt for old tenants.
Consumer complaint received 2020-12-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I have an XXXX XXXX Citi Bank Mastercard. This account is set on autopay and pays the FULL amount off every month. I used the card for some medical bills this month, so knowing i was getting within a XXXX  of my limit, I began paying onto the card as I used it. I paid {$2000.00}, then {$1000.00}, then another {$1000.00}. I am currently several thousand from my limit of {$11000.00} and citbank has decided to lock my account and refuses to allow me to make charges.I have spent over 2 hours on the phone arguing with them over this. I never had any credit card company do this. I hold a credit score above 800, have never had a late payment, and actually have an XXXX card with no limit, but citibank is very argumentative and aggressive towards me when I have tried to resolve this issue. Initially they refused to even tell me why they blocked the account. Then they said it is blocked since I made several payments. XXXX, what the XXXX do they think. If I make several large charges I have to make extra payments. So apparently I am being persecuted for being financially responsible. This is now the third day my account is locked, and I am several thousand away from my limit, with no money due, and no pending charges, and my account is still locked. They are clearly violating fair credit standards in their aggressive actions towards me. 

See attached document that shows : 1. account is prepaid, 2. I have no payment due until XX/XX/2020, a month from now, 3. I am almost 5000 from my credit limit, 4.  Available credit is XXXX proving my account is locked.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

Portfolio Recover is claiming to collect on accounts that have been charged off. There are no charge offs in my name under the claimed origional creditors as they have been paid in full years ago. The only thing that was sent as validation of these said accounts was 2 statements from XXXX of said accounts. That is not validation according to my consumer rights. They do not have any validation nor is any such said origional creditor an any credit report.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-12-14
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. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Our loan was transferred to Carrington Mortgage Services in XXXX. Our payment amount was made in the correct amount of {$2700.00}. On time for months. Company has been reporting us late since they took it over in XXXX saying that we didnt pay enough money ( even though it was the exact amount on the statement ) so they didnt apply the amount until we payed our mortgage the next month and so on. Company will not fix it claiming our payment has always been {$290000.00}, even thought we have statements from them showing {$2700.00}.