davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP (NM)

I receive UI benefits from New York. My exsiting card was closed because Key banks fraud department said there would be a new one issued. This has been on going since XX/XX/2020, today is XX/XX/2020 and I have yet to receive a replacement card.
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (MO)

The accounts listed below are still reporting to XXXX, XXXX, AND EXPERIAN. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

I own XXXX XXXX XXXX XXXX, We opened an account with Pinnacle Financial Partners in XXXX XXXX, TN on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX at the XXXX XXXX XXXX emailed me stating the account is being closed. She stated it would be closed on XX/XX/XXXX and debit cards shut down on XX/XX/XXXX, she stated the reason was an unclear XXXX XXXX report. 

My corporate attorney verified my XXXX report is not frozen and also verified with XXXX legal team that Pinnacle Financial Partners was sent my report numerous times and no freeze code was sent. Later that day on XX/XX/XXXX, XXXX had blocked access to the account completely ( online, phone, debit cards ) and told me to pickup a check, when I went to the bank police were waiting as an intimidating tactic. The check received was thousands less than what was in the account. 

I have emailed XXXX and my lawyer has too several times and she does not respond.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Yes i stated notice in my trends on my XXXX XXXX XXXXn XX/XX/2021 that there have been alot of purchase of hotels mics electronics phones and much more products were purchased on my way to card that I never purchase there is XXXX XXXX there is XXXX there is another card that is out there that has been used and I have tried to get the company to find out where this XXXX XXXX XXXXs They are still taking money out of my company that I work for now and still using it on the XXXX XXXX Ive been asking for help since last year and have not got a letter anything in the mail saying that this is going to be taken care of I dont know where else to town to do but to do this
Consumer complaint received 2022-02-04
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: ENCORE CAPITAL GROUP INC. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (AZ)

I had a hospital bill that I was unaware of because they called a phone number that was outdated and did not send notices to my updated mailing address. As soon as I found out about the debt I processed payment to have the account settled. I requested for deletion of the account because I was unaware of the account, but those requests are being denied for a policy that they refuse to provide me in writing. The first request for deletion was in XXXX of XXXX, then again in XXXX of XXXX, following XXXX of XXXX. I have yet to receive any formal policy in writing why this medical account can not be deleted from my credit profile. The response I receive verbally is because of the age of the account and the date in which I made payment. They did confirm with me that all notices and collection attempts were made to outdated contact information. I verbally informed the company that I will be filing a complaint and that I feel that the continued reporting of this account is in violation of HIPPA laws and regulations.
Consumer complaint received 2020-11-02
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2021-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LOBEL FINANCIAL CORPORATION (AZ)

Please see the previous Complaint ID : XXXX this case needs to be reopened. 

Lobel Finance states they have reached out to the Consumer this is FALSE! 

The Consumers have an open ongoing complaint with the Arizona Attorney General 's office Case # XXXX XXXX and at NO TIME has a resolution been reached or any settlement or agreement. 

Please see the attached letter from Arizona Attorney General 's office in which the case remains open. 

Lobel Fiance in conjunction with XXXX XXXX is clearly doing a bait and switch of overcharging for the final sales price of the vehicle original amount financed of {$8000.00} Lobel is attempting to have Consumers pay the ENTIRE {$12000.00} which would include the {$11000.00} included 35 months. 

Consumers are attempting to pay off the auto loan early in which the contract clearly states " no early payoff penalty ''. This is BAIT AND SWITCH Please see the highlighed attached contract page.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  : {$260000.00}
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian to ask that they remove accounts ( that are not credit accounts ) that I did not give them permission to report. They have responded with letters saying they have investigated my concern, but what do they have to investigate? The law states ( included below ) that they need my written permission which I have not given. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I have contacted them via phone and regular mail with no remedy. The dates of contact are ; XX/XX/XXXX, via US Mail XX/XX/XXXX, via customer service line XX/XX/XXXX, via US Mail XX/XX/XXXX, US Mail XX/XX/XXXX, US Mail As a result, I am demanding they remove the accounts below. 

Additionally, I am requesting that along with deleting the accounts they submit to payment to me of {$1000.00} per account they have failed to remove over the course of the past year while we have been in communication. 


DEPT OF EDUCATION/XXXX XXXX {$6600.00} DEPT OF EDUCATION/XXXX XXXX {$4200.00} DEPT OF EDUCATION/XXXX XXXX {$8400.00} DEPT OF EDUCATION/XXXX XXXX {$21000.00} DEPT OF EDUCATIONXXXX  XXXX {$21000.00} DEPT OF EDUCATION/XXXX XXXX {$1300.00} DEPT OF EDUCATION/XXXX XXXX {$22000.00} DEPT OF EDUCATION/XXXX XXXX {$20000.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$32000.00}
Consumer complaint received 2019-01-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Harley Davidson Financial Services Inc (CO)

Harley-Davidson will NOT STOP running my credit. I've been there ONCE and I have several hard pulls that I DID NOT authorize. I do not answer their calls for a reason. The salesman are pushy, to the point where it's getting slightly weird.
Consumer complaint received 2022-07-31
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 have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank You!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-06-26
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: CBC Companies, Inc. (MD)

I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/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 2021-06-26
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: CORELOGIC INC (MD)

I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/ 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 2022-06-01
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. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have new and updated information regarding Complaint # XXXX. 

1. Experian has failed to send me an updated copy of my consumer reports.

2. Experian claims that it is unable to complete my request, while they simultaneously updated and verified these accounts per Report number XXXX. If Experian needs more information to reinvestigate my dispute, how did it update and verify the negative information on these accounts? 
4. Please send me the method of verification for this dispute so that I can know who you spoke with to verify and update the information in my dispute, and fully understand the information you used in order to do so.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC promised a new checking account bonus of {$200.00}, all the required tasks I completed to receive the bonus but they are denying it because I was a HSBC credit card holder. The terms on the bonus when I opened the account said that customers who held an HSBC consumer deposit or investment account previously were not eligible but a credit card is neither of those.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Commencing on or around XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm.
Consumer complaint received 2020-10-07
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MO)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-06-26
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: Experian Information Solutions Inc. (NY)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-07-17
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. (MI)

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

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I received a notice from Wakefield & Associates about debt in the amount of {$320.00}. Notice was dated XX/XX/2022. I was given the time to write to them by XX/XX/2022. 

I responded to the Company and indicated that I want to dispute because I I think this is not my debt. I mailed out my response on XX/XX/2022. 

I did not receive any written response from the Company. 

On XX/XX/2022, I was alerted by XXXX that my account was flagged by Wakefield & Associates. 

I believe I have the right to dispute and the Company should have provided me with written response or additional information about this debt before reporting it to a credit reporting agency.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (IL)

I have contacted XXXX XXXX XXXX on several occasions explaining what happened with this account & that XXXX  XXXX XXXX has already deleted this information but they continue to report it. It has been well over the time to have this account removed but they continuously report it & is preventing me from opening a checking account which is hurting my family. My son is XXXX and I need an account to make sure his money is secure, I have to prove that the money is going into an account for him but I can't because I am not able to open a checking account. My son may lose his benefits due to this issue.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IL)

I created an account on Binance.US to purchase cryptocurrency in XX/XX/XXXX and they froze my funds on XX/XX/XXXX and I still have not had access to my funds restored. A chargeback was issued on this date due to insufficient funds in my bank account. The website said my funds would be locked until I deposited an equal amount of money to cover the chargeback. The deposit for the requested money cleared on XX/XX/XXXX and my funds are still frozen. I find it odd that they will accept money from me, but I am unable to restore access to any of my funds. I have submitted multiple help tickets and there has still been no response. Many others on XXXX have had the same experience. I feel there is nothing I can do and they are unfairly seizing my funds. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2022-05-20
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. (PA)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-07
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: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.