davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

A BestBuy ( citi ) credit card was opened in my name on or approximately XX/XX/year>. During this time 2 purchases were made for a total of {$2200.00}. At this same time a XXXXXXXX XXXX XXXX was opened in my name for approximately {$800.00}. I immediately reported both cards as fraudulent reporting they were not opened by me. XXXX found that it was fraud quickly and removed it from my credit report. BestBuy ( Citi ) has twice now denied my fraud claims. I've provided my information and license both in XXXX as well as end of XXXX on a second claim. This card had to have been open without my license because I did not lose my license. The investigation has continued to find that it was not fraudulent despite it clearly not being me who opened the cards. I advised that XXXX found it was fraudulent but that did not make a difference. I also advised at the same time I recently renewed my lease which could've lead to my information being available to any parties there. My credit score is now suffering because BestBuy / Citi and they will not properly investigate the claim.
Consumer complaint received 2020-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I signed up for the COVID relief plan with Bank Of America and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was at XXXX XXXX on XXXX XXXX Friday XX/XX/21 and around the time of XXXX I bought 3 drinks totaling {$44.00} from one of the bartenders. A couple days later I noticed the transaction was adjusted to {$240.00} on my banking statement. I never authorized nor signed for a {$200.00} tip and I remembered and identified the bartender who completed the transaction. I reached out to XXXX XXXX and informed them of this along with attaching images of the bartender ; and reached no response. I reached out to my bank to complete the fraud investigation and they also arent able to help me without the original receipt.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc. (TX)

I settled a debt after being forced into a chargeoff because the company would not work with me when my financial situation became compromised. I paid the agreed upon payments on time and XXXX XXXX  will not change my credit information to settled and is still reporting as a balance owed and negatively reporting charge off on my report monthly after the settlement was completed.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MD)

PNC mobile banking reports late and Inaccurate. About the state of funds in accounts when using mobile banking. Yesterday I had XXXX XXXX  in my account or so mobile banking said so I went and bought a XXXX XXXX  bag of fries that I could make for dinner. Today I woke up to an overdraft of {$11.00} because PNC had not properly updated their app. When I tried to access the app to see what went wrong it was down for repairs again. PNC regularly has their app down for repairs and causes an inability to access important financial data. Ive raised this with PNC multiple times to no avail. Between the low balance alert emails that I received on the XXXX and the XXXX I only made one purchase for no more that {$4.00} we should left you with just less than three dollars in my account. Instead I woke up on the XXXX with an overdraft alert.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

Hunter Warfield a debt collection agency based out of XXXX, Florida whose Ein number is XXXX, the registered agent name is XXXX XXXX, have been damaging my credit for over a year now. The alleged creditor is suppose to be the XXXX complex located iXX/XX/XXXX Georgia. First after checking the Georgia Secretary of the State business registration website, Hunter Warfield is not registered on the Secretary of the State data base as registered to do business in Georgia. Second, I never gave permission for Hunter Warfield to have my Social Security account number, they are in violation of 42 U.S.C 408 Penalties, which is a federal offense. Third Georgia Law regarding rental properties clearly state as far as security deposits, a move out inspection must be performed and the parties signature must be affixed. 
7. Security Deposit Move-out Inspection. Landlords who own more than ten ( 10 ) rental units, including units owned by their spouse and/ or children, or who employ a management agent, must adhere to a formal inspection process or forfeit the security deposit. 
Within three ( 3 ) business days after the lease terminates, or a reasonable time after the landlord discovers the tenant vacated, the landlord must inspect the unit and prepare a list of all damages and the estimated dollar value of such damage. The landlord must sign the list and provide it to the tenant. '' After disputing the debt Hunter Warfield committed violation 15 U.S.C. 1692e, along with 18 U.S.C.1341 by sending a statement of fraudulent damages not signed by a landlord which is a must according to Georgia rental law! Hunter Warfield to add insult to injury keeps adding interest on to the debt reporting the fraudulent debt to the credit bureaus. If damages were left why is it that the current apartment complex who called the XXXX to confirm verification was not informed of damages? Why is the damages statement not signed by I the tenant or the landlord? I have uploaded all proof by documentation. Hunter Warfield is trespassing on my constitutional protections to life liberty and pursuit of happiness I have plans on buying a home or moving to a more striving area and can't do that because of Hunter Warfield refuses to follow the law. Last in good faith I sent Hunter Warfield a notice stamped with a money order for discharge and they up until this day haven't accepted the payment which under U.C.C 3-603 is discharge whether accepted or not.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 6802, 15 USC 1681b, 18USC 1028A. ACCT NAME : XXXX XXXX XXXX ACCT # XXXX. This account 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 2023-05-23
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : XXXX XXXXXXXX XXXX. 

Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer : Ohio XXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CT)

Discover closed my consumer credit card XX/XX/2021. I called them on XX/XX/2021 to obtain a reason on why they closed my account. As the consumer I never gave them consent to close my consumer credit account. I mailed off a letter to dispute the validity of the alleged debt and to show proof that I owe the debt. Discover received the letter on the XXXX of XXXX. I have the federal right under the consumer credit protection act to dispute anything about my consumer credit account. Discover is in violation of 15 USC 1691a ( 3 ). Discover discriminated against me because I exercise in good faith my rights. Discover rep stated that their policy overpowers federal law when I called them. I need this to be handle and corrected because I know that I am the consumer and the original creditor of this account. When I entered into this consumer credit transaction, I used my credit card which is my social security card pursuant to 15 USC 1602 ( l ). Which I used to extend myself credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). According to 15 USC 1601a congress requires all financial institutions to inform the consumer on the use of their credit. Which Discover failed to do so which makes them in violation of the Truth in Lending Act as well. 

I will also be doing a complaint with the CFPB, XXXX, Illinois Attorney State General, Connecticut Attorney State General, United States Attorney State General, OCC, SEC, FDIC.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MO)

XXXX XXXX XXXX XXXX reports me as an authorized user. I was removed as an authorized user, but when I disputed it to the credit bureaus they say they investigate but it remains on my credit file. UNDER FEDERAL LAW, FCRA, and FTC, an individual has the right to be removed as an authorized user and it DELETED on credit file since I was not the one who authorized to be a user. This must be deleted immediately as I requested or a FTC and civil suit by atty XXXX XXXX of XXXX XXXX firm will commence in XXXX XXXX for all damages including punitive since I am totally XXXX and have a rare XXXX. Stress causes my XXXX to become worse.
Consumer complaint received 2020-11-14
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: ALLY FINANCIAL INC. (CA)

I was billed by both parties. Ally bank sent bill {$1500.00} deductible of totaled car from riots in XXXX XXXX. XXXX XXXX  already charged me the {$1500.00} and Then XXXX paid Alley more money which made the {$1500.00} to {$1000.00} .and then another {$230.00}. I have documents to back it up as well as letters from the Department of Insurance of seeing XXXX wrong doing. But I continued to pay for car even when is was totaled XX/XX/XXXX. XXXX sent Ally a check for car that was wrong amount because XXXX didnt compare like cars during assessment. I have proof. Then ally reported me to collections immediately for no reason. I dont owe Ally for my deductible since it was paid to XXXX. The car was vandalized. And took XXXX 4 months to take care of. Not my fault XXXX and Ally have horrible communication skills and Ally didnt investigate the {$6000.00} difference in. Comparing the same cars. ( how XXXX estimates the value of totaled vehicle ). And Ally has no right to report me without sending proper bill within 30 days.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-12-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

In XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold from the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX and I am no longer responsible for the account. The debt collection agency did not verify this account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Portfolio Recovery has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

The Collection Company, ( ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt from me that I DO NOT OWE. I have never entered into any business arrangements nor have I signed any contracts to conduct any kind of business with this company. This company is a 3rd party collector and has absolutely no permission to furnish any information on my credit report. The law states that before you collect any information about me you have to get my authorization to access my credit report for any purpose and unfortunately this company did not follow the proper protocols and is in violation of the Law. I have recently requested VALIDATION OF DEBT from this company which includes providing me with : PROOF OF CONTRACT, a certified copy of an authenticated original contract with my signature, specifically naming XXXX XXXX XXXX XXXX XXXX ) as an entity entitled to enforce a commercial claim against me, and verification of all data for this account, every notation, dates, and balances. This company has yet to respond to my VALIDATION REQUEST AND IT'S CONDITIONS.
Consumer complaint received 2020-12-15
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. (IA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CA)

On XX/XX/XXXX I was approved for a loan totaling {$4700.00} for plumbing repairs. Greensky was recommended as a lending affiliate by the plumbing company, and the loan was advertised as interest free if repaid within the first 18 months. Otherwise, the loan would be subject to interest of 25.30 % APR. 

The originating transaction for {$4700.00} posted on XX/XX/XXXX, after repairs were completed. 

In XX/XX/XXXX, I began making monthly payments of {$260.00}, ensuring the principal would be paid in full within the 18-month promotional period. 

I recently logged into my Greensky account and noticed that despite being within the 18-month promotional period, I have been charged an exorbitant " Finance Charge '' each month since XXXX : XX/XX/XXXX : {$97.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$91.00} XX/XX/XXXX : {$88.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$81.00}
Consumer complaint received 2023-03-08
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. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (KY)

Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX FED XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX- Account Name : XXXX # XXXX- Account Name : XXXX  # SYNCH- Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>