davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I bought a car from XXXX consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against XXXX consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with XXXX consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to XXXX consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to XXXX consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on XXXX  XXXX  they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (GA)

I opened a checking account through BB & T on XX/XX/19 by clicking on a banner ad on the bank 's homepage. The ad advertised a {$200.00} bonus if certain conditions were met : 2 direct deposits of {$100.00} or 3 bill-pays of {$25.00} or more, within the first 75 days of account opening. I completed the 2 direct deposits on XX/XX/19. The terms stated account would be reviewed between 75 and 90 days of acct opening. 

I sent a secure message on XX/XX/19 asking when I would receive the bonus. Message changed the terms and stated acct would be reviewed between 75 and 120 days. 

I sent another message on XX/XX/19 asking when i'd receive the bonus and was told that no promotional code had been attached to my account. This is not possible ; I opened the account by clicking through an ad on the homepage and no code was needed. When opening the account, it was clear the promotion had been applied. 

In addition, when I first messaged on XX/XX/19, the CSR made clear my count would be reviewed and never said there was no code attached. 

After multiple phone calls and secure messages, I have been told that a code has been added to the account ; however, no bonus has been given, and no one will tell me when/if it will be. 

This is not the only issue I've had with BB & T. The terms upon opening the account say no monthly maintenance fee will be charged if I maintain a {$1500.00} avg bonus or have {$500.00} in direct deposits ; no time period is stated. However, as the name of the fee implies, I assumed it would be monthly. I did not learn until a few months in when one paycheck was lower than usual that the fee is charged per statement cycle. Nowhere is this stated. I had already changed my direct deposit so that I would have {$500.00} per month, but it did not work out to be {$500.00} per statement cycle. It took multiple secure messages and threatening filing a CFPB complaint to get the fee refunded. 

Every experience I've had with BB & T has been terrible. They do not make clear when/how they charge fees ; they regularly do not attach promotional codes ( the same exact thing happened to my wife ) ; their customer service is slow and non-responsive. I've communicated with : XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2020-06-04
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. (GA)

XXXX damaged my credit score over the years by showing my two student loans opened in XX/XX/XXXX but did not report my first payment until XXXX. My payment history will show that my actual first payment was in XXXX. The Fair Credit Report Act will show that I am entitled to 100 accurate credit reporting. They withheld years of my payment history which lowered my credit age from 18 years to only 5 years on my credit report and the First Report date is how my score is mainly calculated so by XXXX failing to report my correct first payment date in XXXX forward I have suffered financially because their fraudulent and false information lowered my credit score. Also my loan was paid off from consolidation on XX/XX/XXXX but they reported me for having a higher balance on XX/XX/XXXX to the credit bureaus
Consumer complaint received 2019-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (IL)

I initially took out a loan with this company, which I now realize is a subprime loan company, due to falling behind on some bills and needing help getting out of debt. Initially everything seemed fine. First loan paid off. Second loan refinanced into another loan. That loan refinanced into yet another loan, each time with a higher repayment amount & more time on the loan. Fell behind, set up a payment plan to help catchup on payments. The only problem is that, even though they reduced my payments for six months, all of that money went towards interest and fees, and not one cent went towards reducing the principal of the loan. This dug me deeper in debt to this company. Now, more than a year later, I am just beyond the 50% mark of having paid this loan off...which is ridiculous. I cannot afford to continue paying this loan! My checking account is coming up negative, on a regular basis l, due to these debits & all of my other obligations ( that are necessary for my day to day survival). I am about to lose my car and my job is in jeopardy, due to this overwhelming debt that I have on me. I need relief from this situation & $XXXX less debited from my account each month, will help give me some relief.
Consumer complaint received 2020-08-20
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. 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, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX : I was reviewing a recent credit report from Experian that was generated on XX/XX/XXXX and noticed an incorrect address on my report. The address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. I have never lived in NY and I have never been associated with this address. I then checked my credit report and noticed that an account for a credit card on XX/XX/XXXX at " XXXXXXXX XXXX XXXX XXXX ''. I did not open this account and I have never heard of the bank. The account status was listed as closed. I immediately called the contact number list, XXXX and left a message. 

XX/XX/XXXX : Received called back message from XXXXXXXX XXXX contact and was told that the fraudulent account was identified immediately and the account was closed on XX/XX/XXXX the day after it was opened. I was told to contact Experian directly and inform them that I had spoken with the company and to request that this account information be flagged as fraud and to be removed from my credit report. 

XX/XX/XXXX : I called Experian and made the request in the form of a dispute to have the account information as well as the address information flagged and removed from my account. Experian informed me to report the fraud and file a report on XXXX I am currently dealing with identity theft that was confirmed by the IRS for my XXXX tax year that XXXX possibly be linked to the same NY fraudulent address.
Consumer complaint received 2021-12-02
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. (IL)

I mailed disputes to XXXX, experian and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. I requested the verification of the account and in accordance to section XXXX, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all XXXX bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another XXXX disputes to experian, XXXX, and transunion on XX/XX/21 and again no responses. Another XXXX disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received XXXX response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have XXXX days to respond and it's now been about XXXX months and I haven't received XXXX response. I would like the CFPB to remove all of the accounts that I have been disputing for the last XXXX months from my credit reports because the XXXX credit bureaus have violated the law and not completed their investigations accordance with the XXXX. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank XXXX XXXX XXXX  Target. File a complaint summons without offering me notices or letter to work with me regarding this account. Their lawyers harrass me by constant phone calls.
Consumer complaint received 2021-12-02
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. (IL)

I mailed disputes to equifax, XXXX and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX equifax, and XXXX on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the 3 credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.
Consumer complaint received 2021-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (NJ)

Purchased a cell phone through XXXX XXXX who uses TD bank as financer. 

TD bank has an online payment system that does not allow customers to verify there banking account and routing number before submitting a payment. If the checking account number and routing number are incorrect TD bank charges a non waviable XXXX dollar check fee. 

To rectify the issue so that more fees do not incur I contacted TD customer service ( XXXX ) to verify that my banking information was correct. 

TD supervisors blamed me without proof that it must be the customer entering the wrong information and and with absolution could not be a computer system era on there end. They also informed me the only way to verify correct account info is to make a payment and risk being charged another XXXX dollar fee if the information is incorrect agian. 

As it stands I must make a payment to verify correct acount information and risk extra fees. 

This practice is intentional and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC (IN)

I got served by Javitch Block LLC on XXXX, XXXX, 2021 for something that doesn't even appear on my credit report. They are saying I can make payments on it monthly or pay a lump sum. I have no way to see how much I owe or anything, I only have what they are verbally telling me and I don't feel comfortable with it. I feel like I am being treated very poorly. I have tried to work with them but they are not willing to negotiate at all and the payments they want are too high for me to afford. Like I said before, it doesn't even appear on my credit report so I am not even sure if I owe it.
Consumer complaint received 2017-12-20
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. (MO)

Someone opened an account without my permission in Illinois. I have never had an XXXX Illinois account. I live in Missouri and have had XXXX MO for over 12 years. This information is only reporting on my Experian report. Its fraudulent and I want it removed from my report. Its now with a collection agency and There is no contract which also does not give them the right to attempt to collect
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CO)

Hunter Warfield debt collection added to my credit report false information. They listed I owe {$520.00} to XXXX XXXX XXXX The apartments never gave me back my security deposit after contacting them several times. A XXXX day notice was given to the XXXX, XXXX, I was leaving because of noise complaints they never resolved. He agreed. I have the original email from him. The apartments have my address and my mail was forwarded. I never got a notice ( certified mail by law in XXXX ) that they were keeping my deposit. All of a sudden, a {$520.00} collection is put on my credit report. No phone calls and no letters. I want the agency to pay for damages of my credit dropping XXXX points and not following the law. I want to be compensated now.
Consumer complaint received 2021-05-06
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: CITIBANK, N.A. (FL)

I noticed a credit card on my account summary that was not my credit card. I filed a dispute but the charge remains the same when I had no acknowledgment of the account, and it is not mine.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

PORTFOLIO RECOVERY # XXXX is reporting late payments with the 3 CRA .

I dispute this debt as I have never opened an account with this collection agency ; therefore, the collection agency is inaccurately and erroneously reporting a 30-day late notation.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (NC)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc. (FL)

I have been disputing with this company for years and they never sent validation of debt until this year.They arent even licensed to even collect in the state of Florida.They also been adding {$10.00} on my credit report just to keep the debt fresh so the statues of limitations wont run out which is unfair.The amount they trying to collect is {$2100.00} but the original amount is {$1500.00}.
Consumer complaint received 2020-07-06
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. (GA)

I am completely dissatisfied with this company called XXXX XXXX XXXX XXXX, Experian, & XXXX XXXX XXXX. I have contact them and Experian MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them XXXX different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! Experian, XXXX XXXX, XXXX not XXXX XXXX XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

I contacted chase freedom in XXXX XXXX XX/XX/XXXX to get some protection on an account that I was in good standings with and learned it was closed XX/XX/XXXX. I informed them i had paid my account and the bank had sent my money elsewhere instead of paying the bills i normally pay. They never told me my account was closed. Sunday XX/XX/XXXX i called the company to see if they would remove the late fees and to see if i could settle this close account since they were falsely reporting information on my credit report. I was told i cant be removed out of a program they offered to help people affected by global pandemic. I trusted them and they bamboozled me. I am not paying a partial payment agreement. This wording is misleading, hurtful, and and a form of racism ... i want to be removed from the program. If you cant help me dont hurt me.i was on the phone with chase for about 2 hours on XX/XX/XXXX. One of the Represenitive misinformed me to make a payment to bring my account current.. i informed it is current she continued to nicely badger me making it appear that they will remove me ..i explained i will make a payment and i may pay more but i want to be removed first. She asked me if XXXX XXXX is the bank i use ... i said yes so she could move me to the next person to help me out of this faulty product ... I was told i signed it i am stuck.. i signed this product under the duress of covid. This is a closed account and adding misleading info on top of a closed account just causes harm.