davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

on XX/XX/XXXX i received an offer from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. for application to XXXX Credit card, the terms were made over the phone, i just received an email from them where i have to signed. they never disclose all the details about the card, they just told me that i have 2 years without interest. the credit card was in the amount of {$6000.00}, and i only used {$4000.00} ( and never was used ) At the end i never used the money, we got an agreement to get the XXXX, but it was never done from my health condition, so we postpone the date, in the meaning time i was paying every month my credit card, until XX/XX/XXXX, (  when i only owed them {$2000.00} ) where XXXX send me an increase bill on the rates, and all the interest without let me know ( for 2 years, including all the money all ready paid, so my new bill come up {$3700.00} on XX/XX/XXXX ), something that not one explain me when i signed, and XXXX never send me a contract, i just got communication with XXXX XXXX. the only paper i received were the part to signed, no a contract. XXXX never send me a contract and never told me my interest rate. i got in contact with XXXX credit card customer service to resolve the issue, i was trying to pay then the full amount owed by me {$2000.00}, so i explained them that i never got a contract with them and i never received the right information, because it was done through XXXX XXXX XXXX without any contract, only information got from them was 2 years without interest. but it never said that i will have to paid all the interest all ready paid. they dont want to get a resolution for this, and they are trying to force me to pay the full amount until XX/XX/XXXX was {$4100.00} twice that was all ready paid. and more than XXXX XXXX took. they continue harassing me and bothering me telling me that they will send me to collection, and few time i called them to resolve this nightmare and pay them the amount i owed them {$2000.00}, but they wont accept it. and they dont stop calling. 
their paper bill size is 6.5x11 and the letters are really smaller that regular paper.
Consumer complaint received 2018-02-10
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. (MI)

There is unauthorized inquires on my report i did not give these company approval to make a hard inquiry to my report. This is causing me problems as to i can not provide for my family due to lake of credit approval. Please kindly remove them from my report. Thanks
Consumer complaint received 2023-12-25
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 according with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX, to reinvestigate these accounts : acct, XXXX bank # XXXX, acct, XXXX XXXX CT GA XXXX # XXXX, acct, XXXX bank # XXXX, acct, XXXX XXXX XXXX # XXXX, acct, XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify account 's that aren't reporting correctly.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating 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 2019-08-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc. (WA)

I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score.

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it.

2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report.

3. Because I was activated for active duty, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note.

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
Consumer complaint received 2023-04-04
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. (WI)

XXXX XXXX DATE ; XXXX XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-04-29
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: Affirm Holdings, Inc (FL)

On XX/XX/2022, AFFIRM INC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2023-04-04
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. (WI)

XXXX XXXX DATE ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2019-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one vilated te fCRA by adding a removed item back to XXXX and XXXX   B/c my Data breach Was caused by the FTC violation that XXXX destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. XXXX  and Capital one should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for
Consumer complaint received 2018-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (DC)

I informed XXXX XXXX XXXX XXXX that this debt is not mind and the did not respond to my debt verification and validation communication i sent them. Instead they send the debt to XXXX XXXX. This is not my debt
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My ordeal with USAA EVERY TIME THEY DO A MAINTENANCE XXXX DOWN AND THE FOLLOWING DAYS THEY ALWAYS HIT MY ACCOUNT WITH INSUFFICIENT FUNDS! Not only that but after dates change in my online register? How can that happen? Recently I stayed at a XXXX and used my debit card, they took out the fees on that day because its a debit card! How can the back tell me 3 days later that I had insufficient funds, those transactions happen in real time! They pulled the same with my storage company I paid on a Monday with debit then on Thursday they tell me I had insufficient funds??? Tell me how this happens please? I am sick of usaa and the bs they pull!!! I am just wondering how many people they do this too??? 
XXXX XXXX
Consumer complaint received 2020-10-19
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: BMW Financial Services NA, LLC (CT)

I purchased 1 car XXXX  for my son used with XXXX miles on it and then a year later I purchased another XXXX exactly the same except for the miles. The first XXXX I paid down more to have less financing the second one was fully financed. I was paying off the one car with my XXXX XXXX account monthly with out an account number. When the other car needed payments I oaid the same way no account number.  BMW was not using the payments toward the other car which caused a 120 late payment which then appered on my credit report. I am asking BMW financial services to remove the 120 late payments. The cars are paid in full.
Consumer complaint received 2019-08-24
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. (NJ)

I have been in contact with Experian four times in the last four months regarding my credit report. I notified them of fraud and so far there hasnt been much done about it except for 1 of 10 negative accounts being deleted. I am a victim of identity theft and I am demanding that they comply with the law and remove the unverified accounts. I spoke with a representative at Experian who admitted to me that they never received proof from creditors stating that the accounts were indeed mine. This is malpractice.
Consumer complaint received 2019-11-14
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. (GA)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. In result I got in contact with my local police and the federal trade commission. I need your help now, please. I need these items deleted from my report. I'm working on this all on my own XXXX  XXXX. There are a few inquiries I see that are not mine as well XXXX XXXX. XXXX/XXXX, XXXX/XXXX ond XXXX
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

Account was closed without explanation on XX/XX/2020. It is now XX/XX/2020 and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life.
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (GA)

Please REOPEN case XXXX as the contract provided is fraudulent. One it reflects an address of : XXXX XXXX XXXX, XXXX, OH which clearly DOES NOT belong to me. And that is NOT my signature. As stated before this is not a clear validation and does not match any of my personal information. If this debt is not removed I will contact my attorney. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt **COMPANY HAS NOT PROVIDED -Balance claimed including all fees, interest and penalties **COMPANY PROVIDED INVOICES BILLED TO AN OHIO ADDRESS THAT DOES NOT BELONG TO ME -Contract bearing my personal signature **COMPANY PROVIDED A CONTRACT WITH AN OHIO ADDRESS THAT DOES NOT BELONG TO ME AND DOES NOT REFLECT MY PERSONAL SIGNATURE -License proof to collect debts in my state **COMPANY HAS NOT PROVIDED
Consumer complaint received 2018-02-10
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: ALLY FINANCIAL INC. (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (OR)

On XX/XX/2017 I took out a loan for {$XXXX} with XXXX  XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX  % XXXX  XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC (AZ)

I received a letter in the mail on XX/XX/2021 i didnt recognize the account they were referencing. I called to find out the first woman stated that my account couldnt be serviced and that she couldnt access any information on it, but they sent me letter which was confusing she transfers me to a male who not only was rude but after having asked for my name then provided me with my own date of birth and last 4 of ssn vs asking me to verify it for him and when i asked why he did that vs having me verify he replied with let me transfer you to a supervisor for help because i dont have time and before i could say anything i was transferred to a woman named XXXX who again wanted to tell me what my information instead of confirming who i am before sharing information all i wanted was an explanation to the account and instead i got passed off to osmeone else every time and when i tried to tell the supervisor about the prev reps she was so set on compliance and getting me to say something verbatim she didnt carea bout how i was treated by her agents
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-24
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. (CA)

I mailed certified letter to Department of XXXX XXXX  student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Consumer complaint received 2019-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Consumer complaint received 2020-07-23
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. (NC)

I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Reported lost card XX/XX/XXXX Called XX/XX/XXXX, again XX/XX/XXXX to report new card Not recieved. Must be lost in mail I was required to say my previous lost card information or tell my new card information that had Not arrived yet When I could not I WAS UNABLE TO VERIFY MYSELF TO USAA so I could not get replacement card On XX/XX/XXXX I was well enough to try again ( XXXX and No Access to banking with USAA ) Auto service asked Lost Card I responded LOST CARD Prompt said a 25 min wait I waited my call was never answered I called back 2 hours later explained LOST CARD and was told a 25 min wait. And again No one Answered after 1 hour wait USAA DOES NOT RESPOND TO PROTECT AGAINST FRAUD Please cancel card I did not get I do not know the number to tell you cause I did not get the card yet Stop telling me to discuss my account I must recited the new card info. Or Old card info I do NOT HAVE EITHER TO BE VERIFIED It is bad enough this on line banking only company GIVES NO ACCESS ON LINE ( due to XXXX ) NOT ADA ACCESSIBLE AND GIVES NO ACCESS BY PHONE AS WELL. I had fraud XXXX unresolved and fraud XXXX unresolved And Can Not report a lost card? USAA IS NOT AVAILABLE TO CONSUMERS HAS NO FRAUD PROTECTION
Consumer complaint received 2021-02-01
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. (SC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2019-08-24
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. (TX)

XXXX XXXX vilated te fCRA by adding a removed item back to Equifax and XXXX   B/c my Data breach Was caused by the FTC violation that Equifax destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. EQUIFAX and XXXX XXXX should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for
Consumer complaint received 2019-08-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Avid Acceptance, LLC (FL)

Avid Acceptance LLC out of Utah extended credit to purchase a car they quoted a different interest rate final I treat 4 higher I couldn't return the car. Then I lost my job they refuse to do any type of workout with me. I paid now they are incorrectly reporting XXXX payments and refuse to correct their mistake. To top it all they keep charging me late fees even when I explain that I need the due date change etc.. They won't help they just want to keep charging fees and take the car back.. Please help they are stealing people 's money