davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, XXXX, and Experian. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit  against them. 

I have made several attempts to correct this matter.
Consumer complaint received 2023-05-24
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. (NV)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I called Rooms to go to confirm the line of credit available on my card. I was informed my Synchrony account was closed in XX/XX/XXXX. I asked why I didn't receive any correspondence and was told due to inactivity that Synchrony didn't have to notify me. I was told I had more than enough time to make a purchase, because the last activity was XXXX. I explained to the manager I was transferred to, that I was saving for a home purchase, and bought my home in Fall XXXX. Then with the covid-pandemic I, like much of the world, didn't go out much due to social-distancing and quite frankly the unknown of my being able to keep my job/income. I would like to file a formal complaint, to let other consumers know this is Synchrony 's practice, and how they treat their clients. What I found most rude and unhelpful was when the manager said I had more than enough time to make a purchase, when in fact I would have appreciated something in the mail or via email from Synchrony to inform me that my account would be closed due to my non-use of the account. I was told these details were in my terms and conditions, which I understand. However, I consider the non-notification and scripts the representatives read as very unprofessional, and I simply want to let other consumers know, since I wasn't shown any courtesy from the actual creditor Synchrony Financial.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (MD)

Unfair or deceptive acts by businesses : PNC bank gave me a PPP loan around XX/XX/XXXX, after requesting for and reviewing all the loan application documents they wanted from me.. The gave me a loan of {$100000.00}, which was supposed to be forgiven if it was used for the intended purposes. I used the loan for its intended purposes. In XXXX XXXX, they informed me that based on those very same documents with which they had approved the loan, they now felt they had given me too much money and demanded I pay back over {$11000.00}. They stated they would only forgive about {$88000.00} and not the full {$100000.00} as I had been led to believe. At first, I thought that they had made a error in calculating the appropriate loan amount, but now I do not believe that. How could it be error? They had all the supporting documents and sufficient time to make a determination on how much of a loan to give to customers like me. 

Business conduct that causes or is likely to cause injury to consumers : this conduct by PNC bank has hurt my business because I now have to find over {$11000.00} to pay back a loan which, as I have stated to them multiple times, I should not, and do not owe. 

Business conduct that will mislead or is likely to mislead consumers : PNC bank is misleading customers like me for their own financial again. They knew very well exactly what amount of XXXX loan I was entitled to, based on the documents that they had me send in to them. They were well able to calculate the proper loan amount. Yet, they gave me a loan o {$100000.00}, and then a year later, told me that they should have given me only around {$88000.00} based on those same documents that I had submitted to them. They have done this so that I will be forced to repay a portion of the loan with interest to PNC bank, and the interest constitutes monetary gain to PNC bank. So, they have pulled a bait and switch- given me more loan than they feel I am qualified for, with the goal of collecting interest in the unforgiven portion on the loan, and with the intent of profiting the bank by so doing. This is unethical.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXXXXXX XXXX XXXX not my account i have no knowledge of it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was fraudulently opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was fraudulently opened
Consumer complaint received 2023-01-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd ()

I had an account with Wise. There is about $ XXXX USD in the locked account. $ XXXX is currently in the balance which I was trying to send to my bank account, from which they took 2 weeks to " review '' the transaction, and then today they closed my account. The other $ XXXX is in the account, but will not show up in my balance due to them not completing their " review '' which is what support told me. So there is $ XXXX in that account which has now been locked with XXXX reasoning. I'd like to get my money out to my bank account.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

I contacted XXXX to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by XXXX. Today XXXX called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, XXXX is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (PA)

i listed everything with the attachments but they have been calling me like crazy sending tow trucks to my house and harassing me the car leaks fumes and has electrical problems. The person who had the car before me modded it was a drag car and i have been exposed to carbon monoxide so have my children.
Consumer complaint received 2020-09-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

When pulling my credit, I noticed there was an account placed in collections by National Credit Adjusters ( XXXX XXXX XXXX XXXX XXXX, KS XXXX ) On XX/XX/2020, I sent a Debt Validation Letter to National Credit Adjusters to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, National Credit Adjusters responded on XX/XX/2020 with a letter stating they would cease collection efforts. National Credit Adjusters made this update to my XXXX account but not my XXXX. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since National Credit Adjusters is unable to verify the  accuracy of the disputed account they must promptly delete this item of information from my file.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

When pulling my credit, I noticed there was a medical bill showing on my credit report in which I have no knowledge of from Phoenix Financial Service ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ). 

On XX/XX/2020, I sent a certified letter to Phoenix Financial Service in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, I have not received a response or documentation validating the debt in questioning. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since Phoenix Financial Service is unable to verify the accuracy of the disputed account they must promptly delete this item of information from my file. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

XXXX XXXX : BANKRUPTCY FILING NUMBER XXXXXXXX XXXX XXXX DISCHARGE
Consumer complaint received 2020-09-03
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (CA)

I was contacted by Affirm and/or XXXX  stating I qualified for an upgrade because I had paid off more than half of the amount of the XXXX XXXX. I went ahead and took advantage of the opportunity to upgrade. One of the conditions were to send in the XXXX XXXX and once it has been evaluated for it's value. The remaining balance would be paid off. I received an email stating the balance would be paid off. Unfortunately, Affirm tried to attempt to take the monthly payment despite the confirmation the balance would be paid off. I found out this was blemish on my credit report, is when I went to the dealership to purchase a vehicle. Again the XXXX XXXX balance was paid off. I attempted to get the matter resolved by contacting Affirm.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my Veterans XXXX XXXX XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and Transunion fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.
Consumer complaint received 2023-06-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance : {$350.00}
Consumer complaint received 2021-09-06
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Penfed has offered credit protection for the payment on loans in the event of being XXXX. This unfortunately has occurred and due to the false advertisement of the credit union who is subcontracting the credit debt protection is not honoring the matter. I was involved in XXXX  XXXX  which are distinct and separate. One matter I had to ask for help at the courts and now I have a second claim for the XXXX due to a XXXX  accident. The Credit Union has not fulfilled their promise and is advertising a program to their own self interest. I feel that as a credit union and being a member and not a customer their is a inherent responsibility for the organization to help me. Penfed has allowed a subcontracted insurance company to deny, delay and defend against payment on claim. They have not been presenting the offering honestly on the web page and the company that they subcontracted to as a insurance company has been beyond difficult to deal with and even blames the credit union for not having the policy and have not fulfilled the promise. 
A advertised item that is provided by the credit union should be honored by the credit union. The hands off approach is not only not fair but it also has been paid for. I have no clear answer on denied claim. My accident happened in XX/XX/2020 for this complaint so it is new. The company has the documents and I submitted them with a new form they created on XXXX 2020. This form is modified from the original document for XXXX which should be the standard. The changes made were significant and more intrusive so that the insurance company can deny the claim. I am asking for help as I am suffering a hardship due to a XXXX and XXXX.
Consumer complaint received 2022-11-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I contacted Wells Fargo on XX/XX/XXXX when I receive the notice that they were going up on my mortgage from XXXX to XXXX. Effective in XX/XX/XXXX. Wells Fargo stated that I had again another shortage this is 4 the increase in payment I have been paying shortage for the last 2 years and the house isn't worth it. I submitted the application as told however this is effecting my credit they have taking the regular payment of XXXX. Plus the additional XXXX which will total the new amount XXXX they are still going to report me as none payment to the credit bureaus. Why take the consumer payment and not work with them as well as taking their money. Just advise foreclosure so the consumer can use that money they paidyhem to move. I am trying to work with this company and they shouldnt take any payments if you will not assist them when they are having financial issues.
Consumer complaint received 2021-08-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (MA)

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

THIS IS NOT A DUPLICATE COMPLAINT! I have disputed the inaccurate payment history being furnished by XXXX XXXX. there is over two years of inaccurate payment history with 12 months of consecutive furnishings of the account being closed. Then after that 10 months of consecutive furnishings of the account being 120 days later. Finally, the company furnished 1 final month of the account being negative. I have reached out to XXXX XXXX customer service and was told, " There is nothing we can do ''. The payment history being furnished on this account is a violation of my rights to a FAIR AND ACCURATE credit report. This compliant has been submitted and close twice without this company looking into the problem. 

My wife is supporting me in handling this information and is able to speak on my behalf her name is XXXX XXXX XXXX
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, Capital One is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.