davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-09
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. (NC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

After seeing a promotional flier for a Marriot Rewards credit card from Chase Bank, my wife and I opened an account when promised XXXX points and a free one night stay at Marriot if we  spent {$3000.00} within the first three months of the account. 

We spent over {$4000.00} and still have not received the XXXX points promised to us. Chase/Marriott have switched the offer to something that we did not agree to in the application process. 

I have called Marriott Rewards five times about this issue and I have called Chase two times on this issue and it still has n't been resolved. 

XXXX XXXX XXXX ( Chase card last four digits # XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-04-29
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)

Equifax should not be reporting the XXXX XXXXXXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXXXXXX XXXX I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Equifax. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
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: Experian Information Solutions Inc. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-04
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. (MD)

On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX Equifax and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (MN)

XX/XX/20 received a notice of late payment from Suntrust Bank XXXX TN. Called Suntrust XX/XX/20 This loan has been on auto payment since inception over three years ago. They have withdrawn payment on the sixth of the month every month since inception. On XX/XX/20 they did not withdraw funds and proceeded to send a late notice with fees. Customer service agent said it was my banks fault and I needed to pay. No offer to waive fee or correct their error of not drawing the funds. Also no information was given on credit reporting status.Asked for manager callback after XXXX XXXX CT. They called XXXX I was back at my job at XXXX XXXX and left message that started process all over again. Finally spoke to customer agent for online and said they closed my online account as innactive. They closed my online banking and never notified.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received the call from the Social Security Administration about my social security number being used by several individuals. I downloaded my credit report and saw that there was a Capital One Bank USA, na account open in my name in 2016. This account is fraudulent. I reached out to Capital One Bank and let them know that I wish to dispute the charges based on the grounds of identity theft and fraud.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX, Your rent payment was accepted by Slate.

Payment Details : Payment ID XXXX  Resident XXXX XXXXXXXX XXXX XXXX Amount {$88.00} Date XX/XX/2020 Payment Status Paid, View Receipt Payment Method Check Note I paid completely directed to the XXXX  XXXX. Genesis manager, Ms. XXXX was so rude since day one. I paid and they continue calling and threatening me. Ms. XXXX, manager of Genesis, sent debt to credit report after I paid. I want Genesis to be investigated for management approach and debt charges that you cant fully understand well from where they charge money from people. I am positive others have had same experience like mine.
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (PA)

my wife and i hade some home remodeling completed thru XXXX XXXX of XXXX pa. we met with the sales rep -XXXX  XXXX who informed us abut a loan with 0 % finance charge. essentially he proposed a job which cost XXXX and infront of myself and my wife said its 0 % so your payment would be XXXX we could not afford tat so we had a revised/adendum to reflect less work so a smaller charge of XXXX again XXXX came to the house and said alright now at 0 % for 60 months your payment would be XXXX. Now i get a bill from Green sky Financial charging {$120.00} far from the {$100.00} that was quoted. i called green sky and was informed there is a finance rate of 1.66 % thats why the bill is more. 

I contacted XXXX XXXX and explained this is misleading at the very least and definitely a training issue. after talking to XXXX the manager I found out they also over charged me. this entre practice was deceitful and Green Sky financial was of no assstance. The seem to be predoratory lending with all parties envolved.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

This bank is crazy I am very upset I just received a letter from them that after my anniversary year Ive been a good customer and they decreased my credit limit! When my credit is good it has not changed I dont agree with this letter and saying the reasons Ive never been delinquent and that is one of the reasons ans saying I use my card for cash advance I used it only once and I always pay them back I called customer service to complain they do nothing they dont care they should reinstate my limit to the way it was instead of telling me to request a limit increase this is ridiculous why bother when they will decline me this is not fair how they treat a good customer
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

XXXX XXXX XXXX XXXX has 2 files one past due from move in XX/XX/18 to XX/XX/18 total outstanding {$4400.00} then another in collections dated XX/XX/18 in the amount of {$4400.00} This is the dwelling rented by XXXX XXXX ; I was the XXXX  for his XXXX  child. I was told since I would be in the dwelling while caring my name should be listed as authorized to be there. I did not have anything to do with any lease as I never resided at the unit. I have spoken to an agency attempting to ask for a payment and I provided them with the same information
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

ARS. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ARS are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ARS pursuant to 15 USC 1692k civil liability.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NC)

Since XX/XX/XXXXXXXX XXXX XXXX I have been trying to handle a fraud claim with Wells Fargo. XXXX Here is that case number. Since XX/XX/XXXX I have not heard anything from the executive office about my case other than that they are still doing research. The only research they need to do is get in touch with the claims department which is part of Wells Fargo so shouldnt take over a month. They have not tried to contact them which I confirmed with the fraud department today. On XX/XX/2024 my monthly statement came out showing only the original fraud charge of {$210.00} since they havent made a decision on the claim they decided to add interest of {$25.00} to my account setting my current balance at {$240.00}. It is a pending case and should not be receiving interest. Its against the law per CFPB website.
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

on XX/XX/XXXX I received via Postal mail 4 letters, AFNI Account Reference Below : Account reference # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX addressed too my personal name, by a 3rd Party Collection Company named AFNI, I called and spoke with 2 people who put me on hold then I was left to leave a message, then it hung up. I previously 4 years prior spoke with the Company claiming a debt, they couldn't verify what was purchased but said I received a product, and they finance it ... prior to this I had on record had my identity stolen, several accounts of credit opened up in my name, I did not authorize ... I have since put fraud protection on my credit file and had all 3 major credit reporting agencies updated, the company Affirm the alleged debtor, has expired the time allowed to collect, PA law is 2 years has been over 5 since prior contact, and in prior communication was alerted in XXXX that I did not purchase and was sent a fraud package, since then I had not heard from them. AFNI is not a recognized party, and I demanded they cease and desist in accordance with fair credit reporting act law. AFNI hung up both times and did not allow me to dispute, nor can I send a Cease and desist notice to their P.O.Box address, I need a physical address to do so!!!!
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my Equifax, XXXX, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; Equifax, XXXX, and XXXX.
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, TransUnion, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, TransUnion, and XXXX.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

I received my back pay for my unemployment finally after waiting for it to be fixed for over 3 months, it took a lot of time and effort to get it fixed. Once my deposit hit my chime bank account withing a hour or so they suspended my account due to unusual activity, I guess a deposit from the unemployment office is unusual activity, before it was suspended I have gotten my deposit every week for over two months and never had a problem. So once I found out my account was suspended I called them immediately and found out basically they wanted me to verify myself, and I asked them what I needed and I sent everything immediately, once they receive documents they say they have 24 to 48 hrs to respond, so the next morning which was about 12hrs later they responded and now I'm wanted more information, they asked for more stuff than the unemployment department ask for, so I provided that, I called right after I sent everything and confirmed they had everything they needed but there was nothing else they could do for me because the department that handles the suspended account is a special department and can't be contacted any other way than email. It's been 48hrs times 3 now and still no response, I send emails every few hrs no response, I've checked there reviews out and there is a bunch of people with the exact same situation as me that lost there money, I will not let that happen to me, I did nothing wrong. It seems to me that they are taking advantage of low income people and keeping there unemployment knowing there isn't much they can do about it, most low income people don't have the resources to afford to do anything and they know that.
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

Had a line of credit for {$1700.00}. Took out {$1700.00} in XXXX. Total fees due in XXXX are close to {$700.00}, none of which go towards the principal. All fees and interest. I asked for assistance in settling and was only offered an arrangement to pay what I can and keep calling back on the due dates to make arrangements ... but I will continue to be slapped with fees and 360 % interest rate!! Simply put I will never be able to pay this off. I have no problem paying back the money I borrowed but to pay $ XXXX {$1000.00} a month at this rate, I will never be able to payoff and will fall further in debt. This is one of the worst decisions I ever made out of desperation. Consumers beware and stay away!
Consumer complaint received 2022-08-13
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. (OR)

In accordance with the fair credit reporting act XXXX  account numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These entries are inquiries that were not approved and i did not give my consent 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 2020-12-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I sent out original dispute letters to all 3 credit bureaus on XXXX XXXX, 2020. After not getting any investigation results back I sent a 30 day demand to comply on XXXX XXXX, 2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.
Consumer complaint received 2023-01-19
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/2021
Consumer complaint received 2021-05-01
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)

On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me XXXX XXXX loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional XXXX 

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office.

I have also filed a complaint with the FTC and XXXX 

Removed this off my CREDIT NOW!
Consumer complaint received 2021-08-16
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 — Problem with personal statement of dispute
Company: Westlake Services, LLC (PA)

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per XXXX  I am aware that a chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to XXXX because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.