davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (PA)

I am trying to link my PNC checking account to my XXXX investing account and it won't let me. Pretty frustrating. I have gone through all of the security steps required, so it should let me do as I choose.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report. 

Conserve {$1100.00} XXXX XXXX XXXX {$100.00} 01 XXXX  {$390.00}
Consumer complaint received 2022-06-17
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # 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 an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-17
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. (IL)

Transunion is obtaining and disclosing my customer information of a financial institution under false pretenses. You can find the documents in accordance with law attached to this complaint.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BARCLAYS BANK DELAWARE (OH)

Received several phone calls today from two different numbers. Informed them the matter was in bankruptcy over a decade ago, that Ohio statute of limitations for the debt was 6 years and to please remove me from their list. She became became abusive, told me not to open any more credit cards and called me a XXXX.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (FL)

I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance
Consumer complaint received 2020-07-09
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. (TN)

I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX XXXX. Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX XXXX. Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.
Consumer complaint received 2020-07-09
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)

I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX Part.  Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.
Consumer complaint received 2020-07-08
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. (CO)

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 90-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2020-07-08
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. (CO)

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 90-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (NC)

On XX/XX/XXXX I requested a copy of amount of money owed before financed amount was XXXX original contract is XXXX. After several series of events to service on my car. I started researching the sale paperwork. Several service that was denied was on the contract paperwork. On XX/XX/XXXX the owner of dealership lied to our Department of Justice in a letter. Lied about the XXXX XXXX protection, Lied about XXXX XXXX Warranty that I was charged for. Lied about mistakes made on XXXX Insurance. I reported this information to the Loan provider that the sale contract was incorrect acknowledgement made on XX/XX/XXXX. The Owner advised department of Justice that he sent the finance company a refund on the incorrect gap insurance. I have had 5 reply letters that the loan company was investigating this matter. I Paid a payment on XX/XX/XXXX and parked the car at my nearest XXXX dealership. I gave them 30 days to address the Service and Sales Contract they failed to address the matters. According to our state Lemon Law within the first 24 months Service and Contact issues must be resolved. They failed to address Lawful requests. Now It is against the Law to lie to any Law enforcement agent.Evidence and contracts support. And on XX/XX/XXXX this company is allowed to continue breaking the Law and being unjust. Given this companies history of discrimination and the failure for me to get Justice.  They continue to break the Fair Credit Reporting Act. Even with all the evidence of a unjust contact. They are still allowed to damage my stellar payment history and good name
Consumer complaint received 2022-07-04
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: Colony Brands, Inc. (FL)

I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (PA)

" I want you to call me not email me about this situation '' Am just gon na copied what I Emailed sent to the Ombudsman Office at the Federal Reserve. 

Dear, Ombudsman office at the The Federal Reserve System Hello, My name is XXXX XXXX. 

I want to know how to : " File a Complaint against a Bank aka BB & T to the Federal Reserve Board and to the Office of the Controller of the Currency and the United States Treasury. '' XXXX XXXX send two Prisommary Notes XXXX XXXX Dollar Each as Registered Securities to BB & T XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. 

USPS XXXX That BB & T was supposed to Trade it to later Deposited as Credit to my XXXX XXXX Brokerage Account with BB & T. 

Mr , XXXX XXXX and myself XXXX XXXX talk to the Trading Office Number at BB & T in North Carolina XXXX this Week this Tuesday XX/XX/2020 and Wednesday XX/XX/2020. 

On Tuesday XX/XX/2020 they acted like the Notes that XXXX XXXX Mailed that they were lost and now today XX/XX/2020 their stating one of the reps that they received the notes at the Operations Building at BB & T they rejected the Promissory Notes and their gon na mailed it back to XXXX XXXX mailing address. 

We know that BB & T Bank copied the information of the 2 Promissory Notes valued at XXXX Each Totalling to XXXX XXXX Dollars Each and Stole the money off those notes. 

And am doing my Part XXXX XXXX and want to Proper File a Complaint against Branch Banking & Trust Company aka Truist Financial Corporation to the Proper Banking Regulatory Enforcement Agencies of  the United States. 

You can contact me by my Cell XXXX or Emailed me again.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that Equifax is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.
Consumer complaint received 2020-07-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orions Management Group, LLC (TX)

Several months ago I received a call from Orion stating that my BROTHER owed them money. They left a voicemail saying to contact them to get in touch or pay the balance. I forwarded this to my brother, and he said he had no clue how they got my info. He did not share. I didnt know what it was about. He said it was about furniture his ex-wife rented, but that there was no way they should have my info. I blocked them back then. Today ( XX/XX/2020 ) I got another unknown number call. It was the same company leaving a message to collect money from my brother. I assumed it was for the same thing. It was. My brother called, and the guy said, Why should we stop calling your family if you wont pay us? 
This is utter harassment! I am not my brother, I dont own his debts, and I am appalled by this companys actions! They did skip tracing to even get my info. And to use that, I believe, is illegal ... especially to threaten those uninvolved except relation ... names never provided. I need this to stop! 

I dont know what the debt is that they are looking for. My brother has asked them to stop on numerous occasions, but specifically several times between XXXX on XX/XX/2020 he tried. My mom said she has no idea what they are talking about, so stop calling, but they have not. 

My brother has repeatedly asked them to stop harassing any family and contact him directly. They have not done so, and seem to use this as a tactic. 

I have the VM but can not upload the file ...
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (CA)

I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Regional Recovery Services (IN)

XXXX has begun to delete these items. XXXX is in process. Complaints have also being filed with the Indiana Atty General, FTC, & XXXX XXXXXXXX XXXX XXXX. Inquiry has also been sent to a consumer protection attorney. I am fighting to keep XXXX  from readding these items by changing the dollar amounts and account numbers by 1 digit. 

I have attached the additional correspondence my atty initially sent ( XX/XX/XXXX ) encompassing ANY and ALL medical debt they receive. 

The response to my most recent complaint said they have gotten bills from as recent as XX/XX/XXXX insinuating these don't involve the malpractice suit regarding the incident in XX/XX/XXXX. This letter from my attorney is dated XX/XX/XXXX, MEANING YOU KNEW ABOUT THE REQUEST BEFORE YOU STARTED REPORTING THINGS from your stated date of XX/XX/XXXX. 

Recap : Dates of service XX/XX/XXXX- NOW ( XXXX ) Attorney letter sent AGAIN stating ALL BILLS YOU RECEIVE SHOULD BE HELD : XX/XX/XXXX You stated you have bills from XX/XX/XXXX ( Um, the letters to you from my lawyer naming your specific clients as well as ANY debt you receive was sent on XX/XX/XXXX ) M A R C H of XXXX XXXX XXXX ( XX/XX/XXXX ) TEXT FROM MOST RECENT COMPLAINT : These people are continuing to report inaccurate accounts on my credit! They have added XXXX accounts with different amounts. ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. DATES XX/XX/XXXX - CURRENT. They added an account to my credit for {$9.00}. XXXX DOLLARS! AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/XXXX AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER XXXX AND THEIR ILLITERATE CLIENTS FAIL TO READ. Any XXXX collections from Regional Recovery, XXXX XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. Dates of service are XX/XX/XXXX to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. Regional Recovery Services has a poor XXXX rating and are under investigation for consumer fraud. I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.
Consumer complaint received 2024-11-13
Product: Credit 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: SYNCHRONY FINANCIAL (GA)

I am requesting that Synchrony Bank provide me with the signed authorization to apply the charge of {$2300.00} to my card. I have already disputed the amount but because this charge was not with my original contract in XXXX and was a charge I never authorized I requested that they remove it but to date, they haven't removed it nor provided me with any type of authorization. Instead, they closed their inquiry and prevented me from commenting or disputing anything on my account.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

Made a {$5000.00} payment to Target RedCard on XX/XX/XXXX... electronically. It HAS YET TO BE CREDITED TO MY ACCOUNT!!. 

I DID contact Target. This is the response : " When we receive account payments, we credit the payment based on the date it was received. However, we may delay adjusting your available credit while we finish processing the funds. This is why your {$5000.00} payment on XX/XX/XXXX reduced your account balance but didn't immediately increase your available credit. '' So, this really means Target HAS THE MONEY. But will NOT credit it to the account until they want to. SO, this means they FLOAT my {$5000.00} payment and make money on it ALL THE WHILE CHARGING ME INTEREST ON THE BALANCE. This is OUTRAGEOUS! Isnt this illegal? Isn't this Or at least despicable?? 

What happens next? 

Thank you ... .XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX