davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (SC)

XXXX XXXX XXXX ( Advance America ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame Advance America.
Consumer complaint received 2021-07-05
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. (TX)

On XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .Experian and XXXX keep reporting my information as updated with the same errors.XXXX also updated my account saying I paid {$2.00} which was not true.
Consumer complaint received 2017-11-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

HI my name is XXXX this problem happen is a old but we had XXXX life inc so if anything ever happen to us it would helped us .well my husband got hurt at work and had to get on XXXX but we had to fill bankruptcy. Because the loan place said we did not buy the XXXX life inc but in 2012 I found the policy and they had me send all the paper work in and they approved the loan and took {$12000.00} dollars and gave it to themselves. AND TOLD ME since they had it we still owned are home which I new we did not because we had to filled bankruptcy. I hired a lawyer paid {$500.00} to started and she told me that it was to big of a place to fight after she took are {$500.00}, So I went back to who I filled are bankruptcy with which he new we had the inc, and he told me just to leave it and just let them have the money .I spend a lot of time doing paper work try everything I could to get what we paid for because we lost are home and everything where they told us this inc was good, and even try to call other lawyers to help but could not get no where so I have my paper work if I could get some one to just listen to me we have lost a lot of money pay out to these place on inc and when time to use them got XXXX .By inc XXXX XXXX , if I could just get some one to call me Thank you XXXX XXXX & XXXX XXXX
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint concerns TransUnion. When the XXXX data breach was revealed, I attempted to freeze my credit files at all three major bureaus. I was able to do so online with XXXX and XXXX  without any problem. TransUnion, however, is a different story ... 

To begin, TransUnion forced me to create an " account '' for their web portal before even allowing me to REQUEST a freeze ( neither of the other XXXX bureaus did this ). Worse, as part of the lengthy TransUnion " terms of service, '' I was forced to agree to a forum-selection clause requiring me to litigate any disputes with TransUnion in the distant forum of Illinois ( I live in XXXX ). Seeing little alternative, I agreed. 

Despite having jumped through these hoops, however, I STILL have not been able to freeze my TransUnion file. Rather, every XXXX of my dozen or so attempts to implement the freeze over the past MONTH has resulted in an error stating, " We 're experiencing technical difficulties. '' This is unacceptable. TransUnion is a for-profit business whose stock-in-trade is MY personal financial information. I am simply seeking to PAY them for the privilege of protecting myself from identity theft. They have a statutory obligation to comply. If they are unable to process freeze requests in a timely manner ( again, it 's been over a month since the XXXX  breach ), they should not be allowed to operate in this sensitive space.
Consumer complaint received 2022-01-06
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1400XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.
Consumer complaint received 2021-08-31
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: BARCLAYS BANK DELAWARE (CA)

In XXXX of XX/XX/XXXX, my close friend XXXX flew on XXXX XXXX from XXXX to XXXX XXXX and back. During the flight, the flight attendants were handing out applications for the XXXX XXXX XXXX XXXX XXXX Mastercard, which offered {$0.00} intro annual card fee for the first year and XXXX bonus miles, if you made a small purchase within 90 days. XXXX took one for himself and one for me ( XXXX ). The flight attendant said this was okay. Once you filled the application out, you could hand it to the flight attendant or mail it in or do the same online. XXXX decided to do it online, but there was no box to enter the promotional code from the application he was handed. The credit card company rejected his application because they claimed they could not verify his identity - even though he had just gone through the security checks at XXXX 's and XXXX XXXX XXXX  airports security check points with proof of negative covid tests. His XXXX XXXX Acct. # XXXX. 
When I applied, I ran into the same problem online - no promotional box to enter the promo code - they approved my application and sent me a credit card. I made a small {$20.00} purchase with it to get the XXXX miles. Instead of what was offered on the in flight card application, I received no miles and was charged a {$99.00} annual fee. I contacted customer service, explained the problem and gave them the promo code I had. They advised me to go ahead and pay the monthly fee until this was resolved. Several weeks later, I received a letter from them stating that they wouldn't help me with the " Rewards Issue ''. Now, I am stuck with a credit card I do not really need, no XXXX bonus miles and a $ XXXX  yearly credit card fee.
Consumer complaint received 2017-10-07
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ceannate (CA)

servicing and paying back a student loan i entered inadvertently when i just arrived the US XX/XX/XXXX/XX/XX/XXXX,  and was notified of it when i arrived with plans to further my education. But i have been unable to get access to my credit score or i dont know if the debt been serviced is preventing me and other companies like phone companies etc from seeing my credit score so as to easily enter into payment plans. I dont know how long one has to be in the country to have usable and effective credit reports since almost all services and purchases as well as automobile and housing deals with credit score systems. 

Please advise me on how to get this settled. Apparently, there are alot i am yet to understand or know fully with regards dealing with consumers and companies generally. Expecting your reply as promptly as possible. I have moved like 4 times since XX/XX/XXXX, stayed in one location in XXXX XXXX. Since arriving XXXX in XX/XX/XXXX, this is my 3rd address. My new Social security card has just been mailed to previous address in XXXX. Please what do i do? 

You can reach me via phone as well XXXX and or email.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

In XXXX of XXXX, I formally filed an adversarial proceeding to discharge my student loans. This proceeding is entirely pro per ; there is no outside help at all. At the time of the filing of this proceeding -- and since XXXX, the student loans have been on deferment/forbearance ; they have not been late at all. 

Upon filing, all of a sudden, I get a " late '' notation for the month of XXXX XXXX. This is impossible since at the time of the filing, the loans were in forbearance. I wrote to Experian explaining this situation which they subsequently corrected. As of today, XXXX XXXX, XXXX, they have placed the " late '' notation back on the account -- - and there is no reason for them to do so. 

So, this matter, it seems, would involved American Education Services and Experian alike. American Education Services for wrongly placing a late notation ( they did this for XXXX XXXX as well ) ; and Experian for their obdurate refusal to look in to the matter. 

In my amended adversarial complaint with the court against American Education Services, I have noted this fact as well, namely, that they have wrongly reported me late to the credit bureaus, which is, ironically, further reason for discharge of the student loan.
Consumer complaint received 2017-10-07
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: Gordon, Aylworth & Tami, P.C. (OR)

It appears that one collection agency is attempting to collect for another collection agency, XXXX XXXX XXXX XXXX XXXX I have never personally borrowed from or have owed money to XXXX XXXX, only to credit cards which are not being named in the suit. I do n't even recognize the name XXXX XXXX. 

It has been over 15 years since the last time I made a payment to the true creditors in question, yet the attorneys and collectors of Gordon , Aylworth & Tami , P.C . continue to serve me with writs of garnishment, even though the Statute of Limitations has long since passed. As I and my family are living below the poverty level as it is, it would be impossible for me to repay this debt they ask for anyway. 

Knowing that the Statute of Limitations has long passed, I consider myself to be naturally bankrupt, as I can not afford to pay for the services of actually filing.
They say I owe {$15000.00}, though they never mention the name ( s ) of the original creditor ( s ), nor acknowledge that they have been hounding me for over 15 years. 

Please advise me and help me in any way you can to maintain my rights under the State of Oregon 's Statute of Limitations laws.
Consumer complaint received 2021-10-04
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. (NC)

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 2017-10-08
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: Experian Information Solutions Inc. (DE)

There are XXXX fraudulent XXXX accounts being reported on my credit bureau reports. XXXX is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all XXXX national credit bureau agencies Experian, XXXX and XXXX XXXX advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
Consumer complaint received 2017-10-07
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: Receivables Performance Management, LLC (NJ)

On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor receivables management for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

I just went to TJ Maxx n while I was checking out the lady asked me if I wanted to save 10 % withe the TJ Maxx Rewards Card. I said sure because it was referred to and marketed as a rewards card. I have zero credit cards and I dont want one or need one. She gave me a receipt n told me to call this XXXX phone number when I got home. I just called the number and some chic with synchrony financail answered. I asked her if this was a credit application. She said yes. I told her I had no idea I thought it was a rewards card like at the grocery store. She said no. I asked to speak with a supervisor and I was disconnected.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

I received an alert regarding a fraudulent account with Citibank, XX/XX/2020. I called them to let them know this was not my account. I followed up with a full fraud dispute to the creditor, including police report, id theft affidavit, letter outlining the fraudulent acct etc which they received around XX/XX/2020.I received confirmation letter. They advised they were investigating. I am not receiving collection calls regarding this debt although they should not have sold my debt. I called the creditor and they are not assisting me, but telling me the account is closed and they are still trying to collect. They have failed to follow FDCPA and FRCA regulations.
Consumer complaint received 2022-09-10
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The following status is incorrect and incomplete XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. The followng information is incorect XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (AL)

In XXXX of 2019, I went to the XXXXXXXX XXXX XXXX in XXXX, AL and rent/purchased a washer. It was a temporary thing, I thought, I was going to buy a used one. 
What they DID NOT TELL ME was that I had to pay for it for 6 months. 

Meanwhile, I've lost my job from covid, and at XXXX, am probably going to have to live on SSI. I tried to explain this to them 3 months ago and asked them to come get the washer. ; They let me keep from paying the debt for a short period, but never came and got the washer. 

They just deducted {$170.00} from my account. This was every penny I had left and now have no money for food.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX