davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have inquiries that showed deleted but are still showing all my account that dont belong and this is Transunion also reporting on XXXX  that all of them need to be deleted and not showing on account.
Consumer complaint received 2023-01-10
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. (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 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  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 2022-11-18
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. (FL)

Experian and XXXX refuse to delete derogatory remarks from my credit report. I have provided documentation proving that other credit bureau have deleted the collections. On my XXXX report I have no collections whatsoever. this is affecting my life my credit score is XXXX with low utilization and I want to buy a home. I can not move on due to this affecting my score. 

XXXX XXXX XXXX & XXXX
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX in the amount of {$2400.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that It has been 4 years since the last payment was made to the disputed phone account. The statute of limitations under California law to collect this old debt is already in effect and Convergent Outsourcing should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " If you do not pay the debt, Convergent Outsourcing , Inc. may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting ''. I believe this kind of action is a violation of FDCPA.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (FL)

On XX/XX/2019 XXXX XXXX my Employee requested the card information for a payment for supplies. At that time I sent information to XXXX XXXX the card information, by error I sent the Card information to both XXXX XXXX and XXXX XXXX due to a prior text within the three of us. I realized I sent the card to XXXX XXXX and I sent a text immediately after I sent the Card info DO NOT USE THIS CARD. XXXX XXXX than stated what card cant receive pic. I have all text correspondence. 

On Monday XX/XX/XXXX I notice multiple unknown, and unauthorized pending transactions in my account. I called customer service at PNC and they stated that it was from XXXX XXXX Mobile. I disputed the cards after the transactions were cleared as instructed my PNC customer service. On XX/XX/XXXX I filed a Police report with the XXXX XXXX police department of fraud on my Card in the follow amounts ; {$1500.00}, {$760.00}, {$1000.00}, {$2000.00} for a total of {$5300.00} against XXXX XXXX. I have made a sworn statement under oath that I did not authorize and of the above transactions. I instructed XXXX XXXX he had no authorization to use my Card with the account end in in XXXX. I have the following text correspondence stating ; XXXX XXXX returned the funds ( but he did not ) XXXX stated that he can not get pictures of my card, That I never authorized payment and that XXXX XXXX authorized charges ( which he did not. ) PNC preformed a very hasty and poor investigation of a large amount and has not advocated and has not protected my company against fraud. I called 10 times to speak to an investigator on this matter and have not spoken to anyone. No documents or police reports were reviewed.
Consumer complaint received 2021-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (GA)

Tried to make online payments. 

I entered the correct banking information twice. 

There system keeps changing the last 4 digits of my bank account number so the payment never processes. 

This is a website, system error or representative at the local branch changing my account information. 

Which now they have removed the ability to for me to make online payments. 

I do not have the ability to go to there local branch.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXXXXXX XXXX  {$9400.00} Date Opened XX/XX/XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

Ally Bank arbitrarily FROZE my account on Friday afternoon XXXX XXXX with no warning or explanation. I called and the fraud detection department personnel gave me no information. I have called daily since it was frozen. Finally investigator XXXX, as no one gives last names, told me it was about a wire recall. The sender said he did not recall the wire and he said he called his bank, XXXX and they did not recall it but Ally is saying they did. So I authorized them to just return the wire funds and open my account. Still a week later after the wire was returned and nothing. They give you no explanation and tell you it takes as long as it takes to investigate the account. First it was 3 days then it was up to 30 days then it was 30 days or longer now it Takes as Long as it Takes. These are the answers I have gotten. 

Meanwhile all my money is locked up and my bills have bounced, my credit has tanked, and I have had accounts closed for non payment. I even had one of their agents LAUGH at my distress on the phone. He thought it was so funny. I am angry that they can lock me out of my account with no warning and No preparation. Angry that it has been almost 3 weeks. Who can go 3 weeks with No funds? I have opened a local account so that I can go and speak to a person when I have an issue. I chose Ally for convenience and that has bit me in the XXXX. I highly recommend NO ONE USE ALLY BANK!!
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

Hello, I need assistance in a challenging situation with a merchant and Chase. I'm raising a claim against deceptive acts by a vendor and inadequate support from charges processed by chase that weren't rendered. 

Situation : I'm an owner of a rental property and unfortunately the tannate I had stop payment since XXXX of 2020 and left the property in XX/XX/2020, I dealt with heavy financial loses while still needing to pay the mortgage and taxes on the property. The rental income not paid from the tenant rent for over 6 mounts added up to a loss of XXXX. Once the individual left and I was able to go into the home I saw the damages the tenant and his family did that required repairs. Fortunately I had a new tenant who would be able to move in quickly, obviously due to the loses and ability to have someone come in immediately was a great blessing as we have been able to support the loses earlier and only could survive a few more months. This put a tight window in having the repairs completed prior to the individual move in. 

One of the repairs were replacing the carpet ( Previous tenant had 4 children and lived there for over 3 years ). I reached out to xxxx and advised them of the situation and if they weren't able to complete the project I would be forced to go to another vendor as I priced out and spoke to many other carpet providers and installers. I wanted to provide this business to local small shop since I knew the challenge of Covid and impacting business. Unfortunately the individual didn't come by and install the carpet or services agreed to. I was forced to go with another vendor due to this, the vendor was unresponsive to my calls and follow-ups. 

I reached out to chase and advised of the situation and unfortunately they processed the charges in full for a vendor where services or products weren't provided ( XXXX ). I've been reaching out to the vendor and chase since XXXX and both have informed me they will not be reimbursing me for these charges. I feel I was scammed by the carpet provider by deceptive selling and billing tactics. I would understand if certain charges and services should be deducted but I find it unfair to be charged for something where I didn't received the agreed upon service or product as per the agreement they signed and violate. Chase should of followed my instructions but after multiple calls they refuse to provide support in resolving this matter
Consumer complaint received 2021-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (NY)

I dispute the validity of the alleged debt. The full amount of this medical bill was paid through an employee spending account of my employer XXXX XXXX, having been sent to XXXX XXXX XXXX on XX/XX/XXXX and payment cleared on XX/XX/XXXX. This information along with documentation of claim payment XXXX claim detail # XXXX ) was furnished to XXXX XXXX XXXX on XX/XX/XXXX. Despite my previous dispute of this alleged debt and documentation provided, I continue to receive the same bill and letter dated XX/XX/XXXX from a debt collector named Resource Solutions, LLC threatening collection efforts.
Consumer complaint received 2021-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I made every one of my mortgage pays for the year of XXXX, I have never missed a monthly payment in the 7.5 years of having my mortgage. I am current now also. Indicating my character as a customer. Every month of that year ( XXXX ) Specialized Loan Servicing, has taken my escrow payment for my taxes and home insurance of {$240.00}. They have admitted this, every time I have called, ( I can provide call info history upon request ) also their own site shows this, which a representative have admitted while looking with my at my on-line account. 
I received from them a 'Escrow Account disclose statement ' that shows that I owe an extra {$510.00}. The reason it shows this is because all of my escrow payments that they took ( 12 ) are not included in the 'payment to escrow ' column on page 2 of the report. ( I will enclose a copy of ), only 10 of the payments are. Instead of going from XXXX of XXXX to XXXX of XXXX, they erroneously start at XXXX of XXXX and then go to XXXX of XXXX with in estimated pay! Its very simple, I paid in, according to their own records {$2800.00} for the year, they paid out, under 'What We Paid Out ' column {$2800.00}. I paid more in then they paid out, but they tell me I am {$510.00}!!! 
I have called XXXX 4 times, been on phone for at least 5 hours, talked with the Escrow dept, many other reps, hung up on, had this escalated, told every single time that I was correct, or they saw the error, but they will not correct it, according to them they NEVER note the account, I ask them to read notes each time I called back, and they say the notes are not there.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital one is basically telling its customers that if they dont have a phone you can't access your account online period it doesn't matter if you dont have the means to get a phone or access it doesn't matter if you have a XXXX, they won't let you into the account. 



I want to make this very clear about what happened to me as I have been held XXXX by this. I had attempted to log in to my account back in XXXX when the site required a Mobil text verification, I dont have a phone I dont have access to a phone so in a panic I tried to contact capital one via chat and they said oh you can mail the payment. They payment was due in a few days and they didnt care that couldnt log into the account and by mailing payment would make the account delinquent so I had a 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 I have told capital one this and they dont care they will not allow me access to my account remotely via the computer. 



The capital one caf wasnt able to expedite my complaint, they have no email contact, their social media page refuses to help and they blatantly say Theres nothing they can do. 

They are essentially forcing people to purchase a phone in order to receive a simple text message and I will not be forced to do that when I am in no position to do so. 



I have been held XXXX now for six months and at this point where if they continue to refuse not to resolve this matter than I will retain an attorney and I will pursue capital one for damages. They will not force me to obtain a Mobil phone or any other capital one customer. They should be trying to work this out so they can do an alternative means of verification but they refuse to do so. But with that being said if they chose to refuse to even make an attempt to resolve this with the XXXX  then an attorney will be retained and they will be contacting capital one and maybe then they might change their tune but I am giving them one final opportunity to resolve this because what they have put me through is not I am very serious when I say I will pursue legal action I have tried to work this out with capital one but they refuse to even attempt to resolve this so either resolve the matter or I will move forward with legal action
Consumer complaint received 2021-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have sent communications to Portfolio Recovery Associates starting XX/XX/2020 seeking validation for an item XXXX XXXX XXXX XXXX  XXXX placed on my credit report. To date, they've not satisfied the validation requests that has been made by me. I reached out to the three credit reporting bureaus as well informing them this collection has not been validated to me and if it has been validated with the credit bureaus, at this point someone should send me the validation. I also let the credit reporting bureaus as well as the creditor know the FTC opinion letter from Attorney XXXX XXXX XXXX points out that a printout of a bill or itemized document does not constitute verification. 

The creditor has yet to send any sort of validation as well as ignored my request for proof that they are legally able to practice business in my state. I strongly feel the above listed company is in violation of FCR by placing derogatory items on my report and responding with the validation information requested within 45 days. I also feel like the remaining credit bureaus are also in violation by not removing the derogatory information after failed validation attempts. With that said, I have the receipts from the certified copies sent as well as copies of all communications sent including the help I solicited through the XXXX. At this point, I want to file an identity theft complaint against Portfolio Recovery and a defamation of character complaint against the remaining credit bureaus for not removing the derogatory information until the validation request has been satisfied. Please let me know if you need the paper trail and I will gladly move forward.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (AL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Received notice from XXXX ( file # XXXX ) that someone had tried to open a credit card account through Capital One. I talked to XXXX ( pathetic answering system, but that is another story ) and set up a fraud alert, etc. I then contacted Capital One to obtain more information and they could not find anything using my Soc. Sec. number. address, phone #, etc. So I do not have any information regarding possible location, person, etc. 

A couple of years previously I have had problems with XXXX opening an account in my name. Also, someone tried to use my XXXX XXXX in Florida - I live in the XXXX and never go to Florida. Finally someone in Florida charged my Visa but I managed to have that cancelled. I complained to the Florida government department and they did not do anything.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (RI)

For example, to decide whether a school discriminated against a person, XXXX often needs to reveal that persons name and other personal information to employees at that school to verify facts or get additional information. When XXXX does that, XXXX informs the employees that all forms of retaliation against that person and other individuals associated with the person are prohibited. XXXX may also reveal the persons name and personal information during interviews with witnesses and consultations with experts. 

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  The Regional Office will contact you if it needs more information about your complaint. If you need to communicate with XXXX or submit additional information regarding your complaint, please do not reply to this message. Instead, please direct your correspondence to the above office. 

We recommend that you print a copy of this message and retain it for your records. 

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 2023-08-20
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX ENDING IN # XXXX CLOSED CHARGED OFF BALANCE TRYING TO SETTLE ACCOUNT AND HAVE UPDATED PAID TO CREDIT BUREAYS AS PAID XX/XX/2020 OFFERED SETTLEMENT OFFER AT 45 % XXXX ACCEPTED OFFER BUT WAS UNABLE TO KEEP AGREMENT DUE TO MEDICAL EMERGENCY I.AM REQUESTING ORIGINAL AGREEMENT BE REINSTATED I AM WILLING TO SETTLE THE ACCOUNT IN 15 BUSINESS DAYS WITH AN ACCEPTABLE OFFER TO ME