davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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. (TN)

Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you
Consumer complaint received 2021-11-11
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. (CA)

There were disputes that were filed with transunion, and both disputes were valid, the items reported by the creditor were in violation of the fair credit reporting act, violations for re insertions, and past statute of limitations fcra violations, the XXXX XXXX XXXX XXXX account was removed, and then re inserted 2 months later after disputed, deemed innacurate, and deleted, how transunion allowed the creditor to re insert the debt back on my credit is beyond me,. Transunion has also violated the statute limitations with the FCRA, they have been reporting a delinquent account past the statute of limitations of 7 yrs, they have also reported this account for 8 going on 9 yrs already, this is getting ridiculous, transunion is also being dishonest about not receiving any documents from the Consumer Financial Protection Bureau, I feel this is a tactic they are using in order to not remove the items, they are claiming they didn't receive the supporting paperwork, but when I contact the CFPB, the CFPB let 's me know that they did send the paperwork, there is alot of illegal stuff going on with transunion, and they are about to get sued drastically, Transunion needs to delete these items, it is no longer up to the creditor, it is on transunion to report accurately, and follow the FCRA which was created to govern the bureaus, from innacurate credit reporting,
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Received the attached letter from creditor attempting to collect a debt that I do not owe. The debt is a fraud, the letter might violate the law by concealing the Fair Debt Collection Practices Act required 30 day dispute wording on page 2 of the attached document. I dispute the fraudulent debt described in the attached document entirely.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX and I'm sending this complaint to address the inaccurate reporting of Experian. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my account : XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (MD)

Having recently moved, I discovered that Upgrade, Inc. will not allow me to change my address and phone number online. I called customer service and provided my date of birth, final four digits of my social security number, the final XXXX digits of my checking account on-file, and the date and amount of my last payment. They said that they were able to update the address. However, when it came to the phone number, the representative stated that they required more information. She stated that their policy was that I provide a photo of my current phone bill. The representative then seemed to indicate that this was also required for my address update. This is absurd. No bank, insurance company, business, or government agency has ever requested this level of confirmation. In fact, in my nearly 30 years of adulthood, I've never heard of such a requirement. I asked to speak to a supervisor, but was unable to remain on indefinite hold.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attatched are the letter from the manager at XXXX XXXXXXXX XXXX  XXXX stating she would remove XXXX delete the wrong info from debt from them to transunion XXXX and XXXX. After i have already paid the XXXX $ as of today. attatched is the official letter from XXXX XXXX at XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

my account was hacked PNC, in XX/XX/XXXX to XX/XX/XXXX I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting. now my account is overdrawn by {$1100.00} which was the provisional credit they gave me but I took out leaving the account on {$0.00} because I don't trust this bank now they took back there provisional credits now it remains {$1100.00} overdrawn please help and that's not all I disputed should have been about {$3500.00} returned to me but the only let me get {$1100.00} then took that back I'm living check to check I need all my money
Consumer complaint received 2022-06-22
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. (TX)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2021-09-24
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. (MD)

I WAS NEVER LATE ON THE ACOUNTS LISTED. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My statement balance for my Bank of America card for the month of XXXX was {$150.00} which is due on XXXX XXXX. I requested for a statement credit for the same amount ( {$150.00} ) on XX/XX/2021 and posted XXXX XXXX which bring my balance down to XXXX. To my understanding my balance is XXXX for the period. 

Late XXXX, I received a notification from them that my account is past due and they charged me of late fee. I called them to get clarification and told me that even my balance is XXXX, I still have to pay which I totally dont understand. They want me to pay the minimum balance, which to me is absurd, when they already posted the credit and balance is XXXX. Why are they still forcing me to pay, despite XXXX balance, and now they charged me for late fees. 

I do believed that this action is ridiculous, by forcing a CC holder to pay despite a XXXX balance on the account
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX Unauthorized inquiries furnished on my consumer report which is a violation of 15 USC 1681 b ( c ) ( A ) ( B ) ( i ) ( 3 ) and a violation of my privacy rights in accordance with 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-06-09
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I signed up for " Pay Over Time '' with an offer to earn 20,000 membership rewards points for doing so, but the 20,000 points were never awarded to my account ( see attached screenshots ). I XXXX this with the company on approximately XX/XX/2022 and they said they were unable to find record of this promotion on my account. They owe me XXXX  membership rewards points.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/XXXX, I received a fraudulent charge to my credit card for {$150.00} from XXXX. I disputed this charge with XXXX  XXXX XXXX and they decided in my favor. From XX/XX/XXXX until XX/XX/XXXX I did not receive any correspondence from XXXX  XXXX XXXX or XXXX. On XX/XX/XXXX I received a letter from Transworld Systems ( a collection agency ), alleging that I had a balance of {$4900.00} due with XXXX   that they had passed on to me. Again, I had not received any prior correspondence from XXXX   that I had outstanding bills due. After calling XXXX, I learned that my online account had been illegally accessed, and the criminals had gained access to my saved credit cards and were able to use that info along with my saved billing address to send out 4 invoices totaling {$4200.00}. They also changed the email address to their email ( which I have a picture of ), and changed my password.I have full PDFs of all of the fraudulent shipment invoices, many originating in New York state and Washington State, and all shipping to XXXX. XXXX 's Fraud division closes cases after 90 days and thus they were not able to help me, so I have filed a police report and am filing this CFPB report in hopes that it can be resolved. I am hoping that I can provide proof to XXXX  that the charges were fraudulent so that they can let the collections agency know that they were fraudulent and drop the collections. Transworld can not do anything about my charges unless XXXX gives them approval, and XXXX claims they can not help me since it has been longer than 90 days since the charges were made. This leaves me in a difficult position.
Consumer complaint received 2022-02-10
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon review of my records, I realize that I did indeed miss the payment deadline with Capital One in XXXX and XXXX of 2019. I was using the paperless billing function but for some reason I stop receiving the paperless statements, nor did I started receiving them in the mail. So, this is when I decided to set up a reminder in my phone. I have not missed a payment since. I have made sure it wont happen again. I have not missed a payment since. I have contacted the company and they told me they would not give me a courtesy deletion because it has been a year. I began explaining to the customer service rep that is has not been a year and we got disconnected. I have tried to call back but the wait time is extremely too long due to the Coronavirus. They are having 2 hour wait times.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2020 I noticed an account on my credit reports that I did not recognize from Portfolio Recovery. I realized I had never received a notice of the right to dispute regarding this collection. That same day, I sent Portfolio Recovery a letter to validate the account. I have a certified return receipt signed for my letter on XXXX, 2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My 2nd letter was received certified return receipt on XX/XX/2020. Again, I received not response and the accounts were still not removed. I sent a 3rd followup on XX/XX/XXXX, signed for on XX/XX/2020, still no response and the accts were still on my reports I sent all of my documentation to the XXXX credit bureaus and again it was not removed.
Consumer complaint received 2021-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my Home Equity Line of Credit. I requested a forbearance for a period of 6 months. At the time of my request, my Home Equity Line of Credit was current. In my letter, I agreed that the account would be restricted from further line of credit draws while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. I was transferred to several departments with no resolution. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.
Consumer complaint received 2022-11-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Louisiana Recovery Services Inc. (LA)

The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of XXXX 
I have two medical bills in the amount of {$890.00} and {$1000.00} that an out of network provider is charging without my prior authorization. 
I am requesting these two items be removed from my credit report immediately as I am allowed a fair and correct credit report according to FCRA.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I owe medical debt due to a XXXX XXXX and XXXX will not stop calling me even after I explained I would set up a payment plan when I could but untill then please stop calling. 

I lost my job during covid and have frequent panic attacks often having to be hospitalized. 

They have called up to XXXX times in XXXX day from different numbers and then hang up on me. 

This is causing so much XXXX I don't know how to get them to stop calling and give me some time to get a job. 

I have job interviews set up and will catch up on this medical debt but the completely XXXX you and then hang up on you.
Consumer complaint received 2019-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

Hello.I got today letters from XXXX XXXX XXXX.They did not cash a check and the sendt double payment of mortgage on XX/XX/2019.I would like ask them why both documents dated XX/XX/2019 i got tooday XX/XX/2019.Both letters were send one day after my complain to CFPB?? 
See copy.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

Complaint narrative : RE : Complaint regarding Regulation E violation by M & T Bank Dear Sir or Madam : This is a complaint against M & T Bank for violating Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 1005.11, by not conducting an investigation and/or by not providing a written explanation of why my claim of unauthorized transaction under Regulation E was denied. 

On XXXX I notified M & T Bank that my Debit card was used for an unauthorized transaction in the amount of {$990.00} on XXXX with a merchant XXXX. I did not authorize any transactions with the merchant XXXX on or after this date, and I did not authorize anyone else to use my Debit card with that merchant. 

On XXXX I found out that M & T Bank denied my Regulation E dispute without providing a responsible written explanation. 

I kindly request that you investigate M & T Bank 's violation of Regulation E, and compel M & T Bank to restore the funds which have been withdrawn from my account as a result of the above mentioned unauthorized transaction. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

Sincerely, XXXX XXXX