davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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. (MA)

XXXX XXXX XXXX XXXX XXXX Lease Agreement for XX/XX/XXXXXXXX XXXX XXXX VIN # XXXX Good Evening XXXX, My name is XXXX XXXXXXXX XXXX XXXX and I are currently serving XXXX XXXX in the United States Military XXXX, thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains, and we had previously spoken on the phone before about the SCRA End of Lease Liability amount of {$1700.00}. I would have an excellent repayment record. I made a mistake in falling behind, but since then, as you may have noticed I recently paid off that debt completely in full, but it is still showing up on my credit report as current. The amount should be showing XXXX since I paid it off in full. 


Would you or your company be able to delete the charge off now and mark it as paid off because that liability debt is paid off completely? I am planning to apply for a mortgage, and it comes to my attention that the current open payment on my record could hurt my ability to qualify. I honestly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a chance and opportunity and make a goodwill adjustment to remove the collection off my credit report. XXXX is a great company and I enjoyed the privilege of leasing a vehicle from them and will continue to do so in the future. 



Thank you for your consideration, and I hope you or your company will approve my request. 



Best, XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around XXXX separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I AM VICTIM OF AN IDENTITY HTEFT REPORT AND I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD AND MADE FRAUDULENT CHARGES. I HAVE REACHED OUT TO ALL THE BUREAUS I HAVE SENT THEM MY IDENTITY THEFT REPORT.
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I noticed a fraudulent withdrawal of {$1800.00} on XX/XX/2019 from my Checking Account. It stated " CA TLR cash withdrawal from XXXX ''. This fraudulent withdrawal happened in XXXX, California. I was working that time in XXXX XXXX, California. 
I have never lost my wallet/debit card and the transaction stated it was Teller Cash Withdrawal. If someone is withdrawing this large amount of cash, shouldn't the teller have to check the ID? Shouldn't that be the bank 's protocol? If they did, they should've caught that it wasn't the correct person. Why wouldn't the Bank check each individual customer 's ID 's to make sure this doesn't happen? 

I locked my debit card right away when I found this out and a couple hours later, this theft tried to withdrawal money again. This theft went to another branch in XXXX XXXX, California to withdrawal more money. But since my card was locked, it was denied and I received an alert email. 

When I first called the Check Fraud Department, they said they'll resolve this issue in 60 business days. They did not keep this promise. It took longer than 60 business days. I had to call multiple times to get any answers and they told me to keep waiting and there's nothing I can do. 

I was notified today that the claim will not be honored for the following reason : " Your ATM/Debit Card and PIN were used as identification during the transaction ( s ). '' After waiting more than 60 business days, they just send me a PDF with that simple explanation. What did they do to help their loyal customer? This is an outrageous result.

If the Check Fraud Department would check the surveillance camera video, it will prove that it wasn't me who took out the money. From researching, it seems like Bank of America does not care about all of their customers. They only pull videos for claims over {$5000.00}. I need to receive my {$1800.00} back. {$1800.00} all the money I had and is a large amount of money for me. 

Why does Bank of America allow fraud to go unchecked if it's under {$5000.00}? 

On Bank of America 's website, it states, " {$0.00} Liability Guarantee will credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen. '' My card wasn't even lost or stolen, and they are refusing to refund my money. 

This is unfair and unprofessional for them to just deny my claim. 
Please help!
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMERICAN EXPRESS COMPANY (FL)

On Monday XX/XX/XXXX I tried to use the Bluebird mobile wallet/Bank account. I did everything they asked, verified my cards, identity etc to use the service and got transferred the amount of {$500.00} to use at my leisure on the service. 

As soon as I tried to use and and make a transfer to my bank they suspended BlueBird American Express account which had {$500.00} on it. I have no way of accessing those funds anymore and when I called BlueBird American Express they would not help went through 2 transfers and spoke to an BlueBird specialist that told me my account was suspended until further notice do to suspicious activity which they refused to tell me what that was considered or help unlock it. Its unfair business practice as I did everything they asked to create the account and everything was under my name. 

They suspended my account without warning. Now I have {$500.00} in funds that they are basically stealing from me that I can't access. Its frustrating because they just arbitrarly closed my account withoit warning and would not help when I called.
Consumer complaint received 2020-06-02
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (WA)

I negotiated a delete off my credit with these people, for payment. I paid, requested confirmation, and documentation of the delete. They now refuse. 

Initial Call and payment made Tuesday, XX/XX/2020 - Agent on a record line agreed that a payment made at the amount I was informed of and paid would result in a credit deletion. I requested confirmation via documentation, they said it was being sent. 
Thursday XX/XX/XXXX, after multiple days waiting an no confirmation recieved, I called again. After an hour on hold, I was informed an email would be sent within 24 hours confirming once again, a delete would be performed, and that the account was satisfied. 

Monday XX/XX/2020 - Did not receive confirmation, called again. Automated system implied that I owed money, Agents incredibly rude, insisted on talking over me, did not want to transfer me to supervisor to resolve. Insisted they don't DO deletes, and that if someone promised me that, they were wrong. Agent was incredibly rude, kept talking over me like I was stupid, refused to let me speak, tried saying it took over two weeks to send an email. 
When I complained previously about the debt, it took them less than 12 hours to reply when I still owed, so it seems like this company only wants to work with you when amounts are owed, not when they are on the hook.
Consumer complaint received 2022-07-30
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. (NV)

In accordance with the Fair Credit Reporting act XXXX account # 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Experian will not allow online access to online release of a credit freeze without paying them {$14.00} a month for premium plan. Their available phone numbers listed on my account will not transfer to a live representative nor do they provide a email address I am able to release and reinstate freeze at the other agencies online. 
I BELIEVE THIS TO BE A FORM OF PREDIATORY BUSINESS PRACTICE. 
IN AN EFFORT TO OBTAIN REVENUE. .They were the one that had me set up the free membership which appears to be for sole purpose to email spam and solicitation of premium membership. 
When you finally get through their automated phone menu they want you to send them your SSN, copy of driver 's license, utility bills, address and Birth date in an envelope address to them. Everything that could possibly be use to steal an identity clearly marked to a credit agency.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Hello I have been sending information to the credit bureaus for a year asking them to please investigate. It is not the first time that I have worked on my credit, in XXXX I fixed it and the process was not as long and tedious as it has been now, I don't know what happened. I have gone to their websites to see if the conditions have changed and I see that they have not, since they are still supposed to respond to me within 60 days.
Consumer complaint received 2020-03-26
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (MN)

I owe money to the university of XXXX. I was contacted by general revenue corporation in XXXX to collect on this debt. I didnt know I had the right to dispute it. I did ask for an itemized invoice of the debt and received one. We made a payment arrangement plan and I was told the longest I could extend the payments was 7 months which seemed weird to me. They told me originally it would need to be paid all at once, then in 3 months, until I kept saying I couldnt afford that and got it pushed back to 7 months with weekly payments of {$78.00}. I have been paying this debt since that phone call In mid XXXX. Now, due to the coronavurus, my hours have been cut at work and I can no longer afford the extra $ 300+ A month. I have contacted the company numerous times through calling the number they gave me, the number on their website, and submitting multiple inquiries online through their website. Their office is currently closed and I cant get a hold of anyone about this and Im terrified Im going to be in more debt and wont be able to afford my other necessary bills.
Consumer complaint received 2020-05-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # XXXX.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

I need to link my XXXX  account to my bank account. It helps me send my kids money when they have an emergency or send me money if I have an emergency. Its the easiest way to get money to them and I need to be able to help them as quick as possible. XXXX of my XXXX kids live out of state! Please allow me to link my pnc account to my XXXX account. Thank you
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: PREFERRED CREDIT INC (GA)

I WANTED TO DISPUTED THIS OLD ITEM I FELL INTO HARD TIMES AN WAS UNABLE TO PAY I TRIED TO WORK OUT A PAYMENT PLAN WITH ORIGINAL CREDITOR AN COULD NT WITH STAND PAYMENTS THIS WAS BACK IN 2016 FOR ORIGINAL AMOUNT FOR {$2000.00} I WANTED TO REMOVE IT BECAUSE IT DOES NOT BELONG TO ORIGINAL CREDITOR THIS IS THE WRONG INFORMATION AN HURTING MY CREDIT PLEASE HAVE ALL 3 CREDIT DEPARTMENT REMOVE IT
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

Date : XX/XX/2020 Actions : Was trying to connect my bank to donate directly to a non-profit and I was informed PNC made changes that prevents me from being able to link my account through XXXX XXXX  to the organization.
Consumer complaint received 2020-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX 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 im 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 well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. 

My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2020-05-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a charged off acct reported in my credit with XXXX XXXX and I have sent several certified mail investigation requests to XXXX, Transunion, and XXXX  and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit report.
Consumer complaint received 2020-05-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I Disputed in XXXX, XXXX, and XXXX of 2020 with XXXX and Transunion credit bureaus about verifying the account of XXXX account XXXX XXXXXXXX. I asked for verification with XXXX account XXXX XXXXXXXX, and I received no response from them all three times. XXXX  and Transunion replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX  did not delete inaccurate reporting by XXXX XXXX XXXX  of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.
Consumer complaint received 2024-11-01
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: Resurgent Capital Services L.P. (LA)

My name is XXXX XXXX, a federal protected consumer me, and I am making this complaint against LVNV FUNDING LLC or committing identity theft. I have never given LVNV FUNDING LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with LVNV FUNDING LLC and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, giving LVNV FUNDING LLC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from LVNV FUNDING LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If LVNV FUNDING LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING LLC continue its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number be provided to me the consumer. Account number - XXXX, Reference ID : XXXX