davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-12-15
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: General Motors Financial Company, Inc. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, GM FINANCIAL add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

XXXX XXXX is the Company and CBSA is the collection agency. XXXX XXXX rent houses in the city of XXXX which is just outside of XXXX XXXX Texas, so its considered a military town. Check the history of XXXX XXXX, their known for primarily renting to soldiers who often get XXXX or restationed during their leasing contract. XXXX is known for keeping security deposits and charging people for damages that were already present upon arrival. The XXXX/XXXX  normally take care of the debt without investigating. That's exactly what happened to my Wife and I, but were not military. We left his property in better condition then when moved in, we repaired and upgraded several things in the home before we moved out. We broke our contract because my wife got a promotion with her job which relocated us to XXXX. We discussed the situation with XXXX and explained that my wifes employers were taking care of the contract for breaking the lease and they were paying the fees associated with the contract. In true XXXX fashion they keep our security deposit, charged us for not cleaning and added a list of repairs that wasn't even close to being true. This is the norm for XXXX and what they do to soldiers because they know the XXXX XXXX will take care of it, but were not in the XXXX. One of the problems is Mr. XXXX himself never will meet with you or discuss anything with you, he never answers your calls and his office is never open, it's just a building with no one in it. So we later found out that the matter was sent to CBSA collection. We talked to CBSA on several occasions to try to resolve the matter but to no avail. We even sent some payments to them and tried to work out some sort of settlement but there is no negotiating anything with this company, they want it all so I stopped paying because were being charge for things that just simply didnt happen. I hope this matter and this company is investigated and reported for these actions.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP (CA)

In XXXX of XXXX the vehicle XXXX XXXX XXXX had been in an accident while at the same time had an amount due of {$5000.00}. At this time I was awaiting the insurance to identify payments toward the car based on coverage that was identified as totaled. I then called Honda Financial Services from which the loan resided to ask for a slight delay in payments due to the insurance review and if they would cover the open balance to close this loan out and transfer title to me. Honda Financial Services took note of it in XXXX but then went to impact my credit scores. 

XXXX was at XXXX as of XX/XX/XXXX and was dropped down to XXXX due to the impact. 
XXXX was at XXXX as of XX/XX/XXXX and was dropped down to XXXX due to the impact. 

This is substantial impacts for asking for support for only a month to conclude the accident and insurance adjustments. Since this time everything is caught up to date except the impact to my credit score from which I communicated with the bank to adjust numerous times.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (PA)

I have some accounts on my credit report that is a result of identity theft I've disputed it and also sent in my FTC identity theft report to let them know and they didn't even give me any results or investigate the account correctly
Consumer complaint received 2022-06-15
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)

I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I accepted the checking account retention offer from CITI bank. The offer is to spend {$100.00} and get {$100.00} back if I keep my checking account open. However, after I completed the required activity, CITI bank refused to honor the retention offer.
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/XXXX.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (FL)

I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of five alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Applied Data Finance, LLC (TX)

I received an offer for prequalified line of credit from personify on XX/XX/XXXX. I made application provided all of my documents and let me know would be 24 hour process to qualify for the loan. I heard nothing back in a few no correspondence from the company whatsoever on calling on XX/XX/XXXX, I was told I was declined without reason. Now my credit is affected because of the inquiry and I have no reason why I was declined. Should not be able to send out pre-qualifications and preapproval without being able to provide a loan. I feel baited into this application because it was directed to me personally and I would not have otherwise applied if I had not received the mail and offer
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I write you to address cascading events sprung by serial errors of Citizens Bank XXXX XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX  {$230.00}. 

This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action. 

I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing. 

Yesterday, I received a demand letter for {$230.00} from a debt collection company, XXXX XXXX XXXX, XXXX ( attached ). Now, my credit score has been damaged by false reporting.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite 2 prior complaints filed with this agency, XXXX   continues to NOT include XXXX XXXX XXXX XXXX 25-year-old account on my credit report that has resulted in the inaccurate reporting of my credit file causing me to be denied credit. XXXX XXXX XXXX XXXX in their explanation stated that they report to all 3 bureaus monthly. XXXX, TRANSUNION, AND XXXX monthly. But None of them except, XXXX   seems to have this account listed. XXXX states that upon their inquiry to XXXX, they were told them that due to the account being suppressed, it was not showing but NOW it has been fixed. And, the problem NOW is with my last name. The last name issue was fixed directly with XXXX XXXX XXXX XXXX still, XXXX continues to not report this account. Now, I have been denied credit based on having a " Limited CREDIT HISTORY '' because the information being reported by XXXX   is incorrect.
Consumer complaint received 2022-02-15
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. (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2018-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (MO)

On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor? 
Do you have a contract between your Ad Astra and me, signed by both parties?

If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.

It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft. 

Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 

Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them. 

Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information? 
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically? 

73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.

While on the phone with this company a representative even stated that I have no contract with Ad Astra.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. Equifax credit bureau stated the accounts listed below were properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate, etc. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602a. States I have a right to privacy.

15 U.S.C. 1681 section 604a section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Despite 2 prior complaints filed with this agency, Equifax continues to NOT include XXXX XXXX XXXX XXXX 25-year-old account on my credit report that has resulted in the inaccurate reporting of my credit file causing me to be denied credit. XXXX XXXX XXXX XXXX in their explanation stated that they report to all 3 bureaus monthly. XXXX, XXXX, AND EQUIFAX monthly. But None of them except, XXXX   seems to have this account listed. Union states that upon their inquiry to Equifax, they were told them that due to the account being suppressed, it was not showing but NOW it has been fixed. And, the problem NOW is with my last name. The last name issue was fixed directly with XXXX XXXX XXXX XXXX still, Equifax continues to not report this account. Now, I have been denied credit based on having a " Limited CREDIT HISTORY '' because the information being reported by Equifax is incorrect.
Consumer complaint received 2018-07-18
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: JPMORGAN CHASE & CO. (DE)

Around two months ago, I called the credit card team at my bank to request a merchant to be blocked from making further charges to my account. The bank agreed to block any further charges from said merchant and allegedly placed a block. 

Couple weeks later, I discover in my online statement that a large {$25000.00} USD charge was pending to post from the merchant that was supposed to be block. I dialed back and the banks told me to not get concerned since they could see that indeed the merchant was blocked and the charge will not post. 

Unfortunately, two days later I realize that the charge did indeed post into the account, despite of the block. 

I have now went through the bank dispute process and the bank has denied my request to credit the amount alleging that the charge was authorized at the merchant level earlier and that they could not honor the merchant block I requested and they " guaranteed '' they would process. 

Had I known that the blocking process would have not worked, I may have found alternate solutions like closing the account altogether to avoid any unauthorized charges from posting into my account. 

I have been a responsible client of the bank for over a decade, having spent and paid for over $ 1m in credit card charges over time.
Consumer complaint received 2022-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC (FL)

I purchased a car from Carvana and it was delivered on XX/XX/22. I called and asked to return the vehicle in XX/XX/22 as it was not the car for me. Carvana has a 7day return policy on all its vehicles. I tried to swap the car but they wanted a new check from my Bank and I didnt want to go through the entire approval process again so, I cancelled the entire order. Carvana scheduled the car pick up at their leisure and it was finally picked up on XX/XX/22. As of today, XX/XX/22, Carvana has failed to returned the monies to my bank and refuse to confirm or give me evidence of such, whenever I call them to find out about the status. Meanwhile, the loan continues accruing interest even though I no longer have the vehicle in my possession. I feel. Carvana is holding on to the monies maliciously and on purpose to get back for the free 7day car return policy which at the end of the day, it isnt free. Perhaps if they didnt sell lemons of a car to consumers, people wouldnt cancel orders. I am never using them ever again!
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (PA)

A guy named XXXX XXXX asked {$10.00} from me for gas, but never came to pick me. Then he keep asking for more money, I realized this is a scam. I contacted Venmo immediately for help. But Venmo didn't help but asked me to contact XXXX XXXX to solve the problem.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERIS BANCORP (NY)

I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX   XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (KY)

Since XX/XX/XXXX I have received 6 emails from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX ). It may have begun sooner but I kept dumping them because I assumed they are phishing. Now they have become a nuisance. 

According to XXXX, I owe a balance of {$990.00} to XXXX XXXX. The email says this was an original account with XXXX XXXXXXXXXXXX XXXX XXXX and provides the last 4 numbers of an account. 

The email also says because of the age of the debt, I can't be sued for it and it can't be reported to a credit reporting agency.

For more than 2 decades, we have never carried ANY balance on any account. We have been completely debt-free. 

The dates of emails from them are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I've taken a screen print of the XX/XX/XXXX email. Had to scan it in 2 pictures ( top and bottom ) I have reported this to Kentucky 's Attorney General 's office as well.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I called Wells Fargo to close my credit card. I had a credit balance of {$46.00} and requested for a check to be sent to me. I called again on XX/XX/XXXX checking where my check is. I was told it would take 7-14 business days. I called again on XX/XX/XXXX, I was told by rep XXXX that I'll give it until XX/XX/XXXX, and call back on the XXXX if I didn't receive the check by the XXXX. I requested for the check to get replaced but XXXX was not willing to replace it. I called again XX/XX/XXXX, spoke with XXXX, still no check and was told to wait until XX/XX/XXXX. This has been going for over a month and it makes me wonder if a check was really sent. It is hard to trust Wells Fargo since this company has a tarnished reputation and a repeat offender.