davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Writing back in response to this companies response. The information in response to my original CFPB compliant is invalid. 

Again, this company stalled on reporting payments to credit bureau. This company inaccurately reported data that is invalid. 

This company withheld information from XXXX XXXX XXXX in an attempt to collect more money on rate. 

I have recordings of company stating the late pays would be removed as it was their error. I have recordings of the supervisors and managers stating the problem would be fixed once the last payment was made. No luck this company also failed to follow government orders for COVID19 reporting. 

There are over 1000 complaints on the XXXX from the complaints of people who experienced the same issue during COVID19. Please look into this company. They are inaccurately reporting and are doing the very actions CFPB was set up to protect consumers against. Thank you.
Consumer complaint received 2016-06-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (IL)

i received offer from 'Avant ' in the mail, for a loan. took {$4500.00} loan, terms were for 3 years, $ XXXX/mo. payments. After 12 mos. I wanted to pay it off. I had paid a total of {$2200.00}. They demanded {$3400.00} for a payoff amount. I wanted to clear up the bill, and that was the only way. The balance would have been {$2200.00}. They charged me an extra {$1100.00} to pay it off. They stated when I talked to them that my rate was 28.4 %. This makes it over 50 %. I know it was n't a great idea to get a loan under these circumstances, but needed the money at that time, and figured I could get it paid off within a year. They basically kept {$1100.00} interest during first 12 months ( said I had only paid {$1100.00} towards principle )
Consumer complaint received 2021-08-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (OK)

I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by NCB Management is reporting inaccurate information and when I sent a letter on XX/XX/XXXX and XX/XX/XXXX asking them to validate the said collection account they send me a letter stating that they could not substantiate the allegation of my dispute. Please see attached the letters. My credit report still says the same thing. I also send a letter ( attached ) on XX/XX/XXXX letting them know they have Re-AGED my debt. That is a Major FCRA violation. This account is still on my credit report. The FCRA generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please have them remove this account from all three major bureaus and minor bureau too. Thanks in advance.
Consumer complaint received 2021-08-08
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: Aqua Finance, Inc. (GA)

Communicated via phone call, XX/XX/2021 with Aqua finance stated the product was in no longer in my possession. The item was installed with the co-borrower. Were in the process of an divorce. Since then I have not been contacted regarding debt. According to the fair credit act the account should be deleted from my report in due it is not mine
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I OPENED UP XXXX XXXX CREDIT CARD BY COMENITY I CHARGED MY XXXX WORTH OF APPLIANCES WAS TOLD THAT I WOULD HAVE FREE INTEREST TILL XX/XX/2020 MY LAST PAYMENT OF XXXX WAS ON XX/XX/XXXX. I NEVER RECEIVED MY LAST BILL THEY CHARGED ME XXXX LATE FEE. I CALLED THEM AND TOLD THEM I NEVER RECEIVED THE XXXX BILL THEY SAID THEY WOULD CREDIT ME. NO ONE EVER TOLD ME THEY WOULD ONLY CREDIT 1/2 I JUST RECEIVED ANOTHER BILL IT SHOULD have BEEN XXXX INSTEAD IT IS XXXX. WHICH IS XXXX THEY ONLY CREDIT ME 1/2 AND THEN THE TOTAL INTEREST OF THE APPLIANCES THAT I PURCHASED IN XXXX OR XX/XX/2020 THEY SAID THEY CAN NOT DO ANYTHING THIS IS HORRIBLE PRACTICE ... TO COLLECT ON THEIR INTEREST I TOLD THEM TO CANCEL MY CARD AND I WILL NOT BE PAYING THE INTEREST.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have two credit card accounts with Bank of America. One is closed and the other is open. I mistakenly made a payment to the closed account. I have been calling for 30 days to request they transfer the {$500.00} payment to the open card. I called my bank XXXX XXXX where the payment was drafted and they credited my account the {$500.00} payment. A few days later Bank of America charged {$500.00} my card. I have documentation that I made a payment on XX/XX/XXXX and it cleared my bank. I made a second payment on XX/XX/XXXX and it cleared my bank. Bank of America has denied my claim.
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My student loans have lates reporting and I haven't been late since XXXX, and then I refinanced loans. I have three student loans and all the payment have been made correctly and on time. 

DPT ED/XXXX amount Owed {$530.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX amount Owed {$21000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX Amount owed {$2000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX, XX/XX/XXXX. I have never been late at all
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (FL)

Hello yes i my week of XX/XX/2018 started off with nothing but i don't knows and incompetence. The large bank know as BB & T did nothing to help or assist the consumer after a direct lie. This lie is costing the start up company thousands of dollars and the bank does not care it could possibly cripple the company. The bank manager was not helpful at the location XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX after i informed her that her employees lied and she was also one that assisted in the set up of my account. I want the employees and the manager to be held accountable for all the charges i incurred for charge backs on the accounts as well as the fees i paid for my merchant services and the funds to be released from my account. Secondly i need to be compensated for my time so the total amount liable to bb & t should be {$3500.00} minus the released funds. 
The issue at hand i explained to BB & T as i set up an account for business banking that i would be processing checks through a third party that would be deposited in the account. I was informed of a specific account that would manage all of my needs. I was excited at the time to make BB & T my main bank. So as i transferred my account over to the bank i find out everything i was told was a lie! The bank then just gave me a bunch of i don't know 's and sorry we cant help you and then they said they will close my account! no one accepted responsibility for their actions that will cost a new small company thousands of dollars not even to consider clients that might cancel due to the terrible customer service of the bank. I have consumers that were charged fees and over draft charges from their accounts due to the delay of the bank.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (TX)

Good afternoon XXXX XXXX, My name is XXXX XXXX and my complaint # XXXX. I am emailing you in regards to my complaint that I have submitted to you. It shows that the company sent me settlement letters XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have never received any type of collection settlements or documentation from the reporting consumer as stated. Therefore, the report should be deleted from my credit reports for not being received. I am in the process of trying to buy a home from my family and this collection is really holding me back from doing so for my family. I desperately need help with getting this removed from my report. Please help me to get this resolved. I desperately need help Thank You
Consumer complaint received 2018-03-30
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: BB&T CORPORATION (NC)

I sent out letters and tried to rectify everything with you Financial institution I have asked them for they were confirming these were in fact my inquiries and I let them know that I had I didnt need that in the past two years and I had a lot of stuff that was not mine again I have asked them to remove these inquiries or show me proof in which they are unable to
Consumer complaint received 2020-04-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (AL)

The original debt was with XXXX  XXXX  a payday loan service online back on XX/XX/2016 then the debt was sold to XXXX  XXXX XXXX XXXX  on XXXX XXXX and had remained unpaid until XXXX XXXX and was removed from my credit report and sold to National Credit Adjusters on XXXX XXXX, who never sent me any kind of letter or anything stating they where the new collection agency .It just showed back up on my credit report sometime in XXXX showing and open balance like this was a fresh new account in return made my credit score drop very very bad and after some research I found out that this company NCA had re-aged the account to make it look as if it was a recent account that just went into default and its not the account is over 4 years old and  they are showing missed payments on my credit report and I have never received so much as a letter from this company even saying who they are.they have re aged this old account.Although I disputed this account it seems to be going nowhere.
Consumer complaint received 2018-03-30
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: Tenant Data Services Inc (NC)

I reached out to these companies about inquiries that are on my report I in fact do not recognize I had a fraud alert on my credit report due to identity theft I have mailed letters to these companies and requested verification and have not received back yet
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NC)

Date Open XX/XX/2017 Ask them to Delete {$1300.00} From XXXX  and it remained non removel on report, I need this {$1300.00} Removal damaging my score and report
Consumer complaint received 2020-11-16
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. (CA)

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX continues to violate the XXXX  discharge that we received on XX/XX/XXXX. 

The XXXX XXXX XXXX was filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. XXXX received notice from the court, as well as me. I responded to XXXX debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the XXXX  and provided discharge documents. XXXX has instead chose to wrongfully and injuriously report further delinquency to my credit report. 

Credit disputes continue to receive incorrect information from XXXX, despite providing the court documentation.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

I submitted a dispute with Chime, which ended up losing. The provisional credit I was provided was used and then without warning then charged it all back making my account negative. I can not stress enough that I do not have money for the next two weeks. I was not aware it was going to be charged and I would have planned accordingly. Now, I lost {$300.00} to a dispute charge I did not do, and I can not even go and get gas to get to work because they took my funds without warning.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: PNC Bank N.A. (IL)

I got the card from PNC bank it is a prepaid Visa Debit card. They changed the terms and conditions 6 months later and in there terms state that they are permitted to breach the previous terms in the contract and sell my information. They breached the contract and claim that they can collect and give my information to any 3rd party or affiliate and told me that I can't limit there sharing. I also noticed my credit score went down but I have no new accounts and wonder if this is the reason. Attached is the contract that was mailed to me in XX/XX/2020. The card is the property of PNC Financial Services Group. pnc.com/smartacess.
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I call Santander collector Department XX/XX/2020 and XX/XX/2020. Iam being unfairly treated .I covered this with a representative on the places and was assured I would see no late payments. This impacting my ability to get my mortgage.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CT)

i received an alert on my XXXX, XXXX & XXXX  credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!
Consumer complaint received 2022-04-05
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. (MS)

n accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I HAVE NOT GIVING XXXX, XXXX, EQUIFAX ANY WRITTIAN INSTRUCTION TO FURNISH
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

I had an account with XXXX XXXX XXXX that was placed for collection with Diversified Consultants Inc. ( DCI ), The file number is XXXX. I recently paid the outstanding balance but have been unable ( after speaking with five or six different employees at DCI ) to be able to obtain a release of the debt. I have contacted them daily in an effort to obtain the release without success. I have a closing on the purchase of a home that is being affected by this and need help to get the matter resolved. The debt was under my wife 's name ( XXXX XXXX ) but I was also listed on the account ( XXXX XXXX ). Can you help me obtain my release so I can close on our home? Thanks in advance.
Consumer complaint received 2022-04-05
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. (MS)

n accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I HAVE NOT GIVING TRANSUNION, XXXX, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH
Consumer complaint received 2018-07-12
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. (MI)

I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX kids and my oldest is XXXX and XXXX XXXXXXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!
Consumer complaint received 2023-01-27
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: PENTAGON FEDERAL CREDIT UNION (FL)

I applied for PenFed XXXX credit card on XX/XX/XXXX and received the credit card on XX/XX/XXXX. When I activated it today ( XX/XX/XXXX ), I found that it is an annual fee charge of {$95.00} on XX/XX/XXXX. They did not notify me that I did not meet the requirement to waive the annual fee which they only said maintaining a checking account to waive the fee. There is no minimum to maintain the checking account. I contact the customer service, they told me the minimum in the checking account should be {$500.00} and another person told me that I should maintain {$500.00} daily balance for one billing cycle. They do not write these all on the advertisement and just change the words each agent while I tried to dispute the charge. They even charged the annual fee before my credit card is activated. Based on the term, they can not charged it before the card is activated. 
" ANNUAL FEE. ... This charge will appear on your periodic statement for the billing cycle when it first becomes effective. '' XXXX XXXX XXXX