davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pickett Law, LLC (MD)

On XXXX XXXX, I received debt collection notice for {$3500.00} ( copy is attached ). It states that my account is delinquent for non-payment of the repair or replacement of Air Handler Unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX. 
I sent letter disputing this debt for the following reason : I've never received the item or service from XXXX XXXX XXXX XXXX. 
I contacted the management office and they told me that it is for installation of AC unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. 
I've never contacted to XXXX XXXX XXXX XXXX, XXXX and didn't make a maintenance request to XXXX. Copy of invoice is attached, there is no customer signature authorizing work. 
According to XXXX XXXX of XXXX XXXX, maintenance of AC unit is owner responsibility ( copy is attached ). 
I sent letter to the Board of Directors, no reply. 
Therefore, I believe that XXXX placed unauthorized charge on my account for unauthorized service
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, XXXX XXXX, and Experian to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, Trans Union, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks
Consumer complaint received 2020-11-29
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)

With no open accounts I started with a XXXX credit score the first time I ever had my credit checked. Ive had to pay to get secured credit cards and years later I finally have just over XXXX. I cant get approved for an unsecured card or loan. Ive worked hard and obsessed over this just to try to get it high enough to be able to buy a work truck and a house. This has held me back in life and I believe my original score was chosen for me based on where I grew up and my background. I never had a fair chance at credit and it seems like Im never going to get a house. Meanwhile I have friends that start out with a high score and are able to get unsecured credit cards and loans and are able to live a higher level of life. I am unable to advance in life because of this.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (SC)

I contacted regions Bank on XXXX to dispute transactions on my account that I didnt make or recognize, I spoke with several agents that continued to forward me to other agents repeatedly and finally I got to an agent who told me she would be helping me file the dispute, She ask me some questions about if my card had been misplaced or stolen which I explained to her that I still had posession of my card and had not misplaced it she then ask me to give her the merchant names and amounts for the transactions I needed to dispute so I provided her with those and after asking me a few other questions, canceling my debit card and ordering a new one she told me the dispute was successfully filed and informed me that " Check card claims '' are completed after 10 days ... XXXX XXXX I contacted Regions to ask about the status of my claim and was told by the agent that she didn't see a active claim on my account I explained I filed the claim on XXXX but she still said she seen no active claim and she couldn't help me since she didn't see the claim so I contacted Regions again on XXXX to ask about my claim status and was told by this agent that she also didn't see an active claim on my account I kept insisting the claim was filed and told her the name of the agent who assisted me in filing it and she then said she did see a claim in my account and it was denied she told me I would receive a letter explaining why it was denied, which i did finally receive and it stated that my claim was denied based on " No report of card loss, theft or comproise were reported and transactions passed fraud analysis ''. I have contacted regions again several times since the denial and was told diffrent things everytime by each agent, i spoke with one agent who told me to contact the fraud department, others just transfer my call again and again or place me on hold for endless amounts of time and one agent even said that I had to provide a police report to reopen my denied claim I explained that I had no police report since my card was never stolen to my knowledge I had no reason for a police report and once again I informed the agent that I was admitted in to the hospital on XX/XX/2022 and was not XXXX until XX/XX/2022 which was during the time the fradulant transactions occured I also faxed my XXXX XXXX papers to the fax number provided in my denial letter that show the date I was admitted and date I was XXXX ... .The date of the fraudulent transactions that I disputed were made on XX/XX/2022, XX/XX/2022 and XX/XX/2022 which were during the dates of my XXXX XXXX
Consumer complaint received 2019-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I initially contacted Capital One within 2-3 days after a charge for {$870.00} posted to my account. I notified them that the charge was not correct and services had be paid for by other means. I further provided the revised invoice for services which shows that the original amount due was {$850.00}. The merchant misapplied my payment to another account, causing them to charge me again for the original amount due of {$850.00} as well as a {$25.00} late fee - {$870.00} total. The original amount of {$850.00} has already been paid in full and on time, the charge to my Capital One account ( which was on file with the this provider ) includes a duplicate payment and a wrongly assessed late fee. I further provided proof of payment. The claim at one point was paid, and then reversed a short time later. After several months of back and forth and explaining the situation to several representatives, and re-submitting the same information several times, I was told that the claim was denied because it was not filed timely - which is absolutely not true. The only untimeliness involving this claim has been on Capital One 's behalf in their failure to resolve the issue. To deny the claim based on untimeliness, is inaccurate, no applicable and completely prejudicial. 

I have been a Capital One customer for years, and this entire process has been very frustrating and disappointing. I ask that you please take into consideration the forgoing information and re-evaluate the claim in my favor.
Consumer complaint received 2024-11-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION (LA)

I am writing to formally dispute an inaccurate charge-off listed on my credit report, reported by Regional Acceptance Corporation . Upon reviewing my credit report, I noticed this account : Charge-Off : {$5900.00} I believe this charge-off is inaccurate and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, creditors are required to ensure that all information they report to credit bureaus is accurate, complete, and verifiable. Therefore, I respectfully request the following : A thorough investigation of this charge-off and verification of its accuracy.

Removal of this charge-off from my credit report if it can not be verified or if it is deemed inaccurate.
Consumer complaint received 2022-11-05
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: Consumer Portfolio Services, Inc. (AL)

Hey. I was looking over my credit report and i have no idea where some of these inquires came from. Before making this report i took time to contact each company separately and neither one could give me information on where this inquiry came from. The only course of action they gave me was to file a report with you guys or call the credit bureaus. I'm asking that you please remove these inquires that i did not authorize.
Consumer complaint received 2019-05-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX, I went into the Huntington Bank branch office in XXXX, MI to enroll in automatic payments for my personal line of credit. I was unable to do this task online. I signed the form on XX/XX/XXXX and it states that the start date of the withdrawals would start on XX/XX/XXXX. I called the bank today ( XX/XX/XXXX ) to determine why the payment had not come out and they said it would only be available to be withdrawn on the due date. I asked if interest would be charged daily since XX/XX/XXXX and they said yes. I expressed my concern that I should not have to pay the daily interest if I want the withdrawals to take place on the XXXX of the month. They said this was the bank practice and there was nothing I could do about. I don't think that is acceptable. I should not have to pay more interest than the form I signed indicated payments will come out on XX/XX/XXXX. Account Number XXXX
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in REF : to XXXX XXXX XXXX XX/XX/XXXX : I always every month paid my card payment the day I received it in the mail, and made payments of XXXX, XXXX, XXXX, XXXX each month, I only owed them {$1200.00},, I said why doesn't this card ever go down? also, I have several fraud charges which I told them about one is for XXXX XXXX for {$690.00} They took the charge off in XX/XX/2018, then sneakily, put it back on my account in XX/XX/2018. I said I'm sorry but you only have 30 days to do an investigation. So, This is breaking the law. Then there were several more fraudulent charges which you will see on the documents im submitting, anyway, I'm elderly with a XXXX XX/XX/XXXX, and can not work anymore. So, I live in the red in XX/XX/XXXX and my son was XX/XX/XXXX XX/XX/XXXX by aXX/XX/XXXX, so I received a small death benefit for his death. So, I had the ability to get a small mortgage and to buy a condo on XX/XX/XXXX. I go to Contract on the perfect condo, in the middle of that XXXX XXXX XX/XX/XXXX reports that I haven't made payments to them in a yr, which lowered my credit score into the XXXX range, now the Mortgage company ( XXXX XXXX, XXXX  XXXX  ) said they can not go forward with the mortgage unless my credit score goes back up. I have been on the phone with XXXX XXXX back day and night for 1 week, my Bank was on the phone with them for 3 hrs. and finally confirmed that they couldn't account for any of my electronic payments. At the end of that conversation XXXX XXXX XXXX XX/XX/XXXX ( my Bank andXX/XX/XXXX confirmed all my payments ) but XX/XX/XXXX is stating it will take up to 90 days to report it to my credit bureaus, I am so furious, it actually made me physically sick, my XXXX and head were killing me for several days. They owe me over {$3000.00}, in overpayments as well as the interests and fraud and missed payments charges. Ridiculous charges. I have all the proof and I will upload all pages from the bank, conversation with the bank, etc. When I would report fraud all they would do is send me a new card never took off anything. The last card they sent me i never activated because, I feel they are stealing my money and they are located in XXXX, even though they say they are in XXXX XXXX, XX/XX/XXXX. I told them i don't want your XXXX card I want the money you owe me as well as fraud charges on my cards, as well as all interest, non payment fees etc. 
Thank you XXXX XXXX
Consumer complaint received 2019-05-07
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (PA)

Good Day : My XXXX XXXX was totaled in XX/XX/XXXX due other Driver hit me from behind. I submitted a GAP Insurance with XXXX  through Regional Acceptance in which the GAP did not cover the remaining of loan balance due they do not cover back payments but I was not aware of this upon purchasing the car with Regional Acceptance. 

As a 100 % Total & Permanent XXXX Veteran, now I am responsible for the remaining balance of {$6900.00}. I had to purchase another car due to my XXXX which is a financial hardship on me with a fixed monthly income. Moreover, Regional Acceptance or XXXX offers exception due to financial hardship even when vehicle was deemed Total by the other Drivers insurance. 

This should not be that Consumers are responsible for remaining payments when GAP insurance denied claim due to back payments.

That said, please review and if possible assist for new policy for GAP Insurance to cover back payments when car is officially deemed total to relieve financial hardship on consumers.
Consumer complaint received 2024-10-25
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. (GA)

I am writing to inform you that I have been a victim of a data breach and identity theft. As a result, several fraudulent accounts and inquiries have been added to my credit report without my knowledge or consent. I am requesting, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you block and delete these accounts and inquiries from my credit file immediately.Below are the fraudulent accounts I am requesting to be blocked and deleted : Accounts : 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 2022-07-20
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-12-02
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. (NJ)

I had an auto loan with XXXX Bank. I closed the loan in XXXX of XXXX. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On today XX/XX/2019 1. I called TransUnion three times regarding having my question/concerns about why my credit monitoring 3 Bureau report was not updating and hasn't updated since XX/XX/2019 in current billing cycle and did the same for previous billing cycle. 

2. I spoke with XXXX, XXXX and some hard to understand named person today. I was also hung up on when I asked repeatedly to be transferred to the United States. 

3. TransUnion has a major problem forwarding calls offshore and is okay with those reps who answer their calls to just speak with customers any kind of way and apparently are okay with reps simply hanging up on customers when they demand to be transferred to the United States. 

4. I will be attaching a copy of the screenshot of my credit monitoring report showing the fixed date of XX/XX/2019 along with other shots of XXXX and XXXX credit monitoring showing you totally different scores. 

5. I could not ever get a competent person on the phone with TransUnion who could fix whatever the issues are with my 3 Bureau credit monitoring not properly updating even though I pay in advance for the service each month. 

6. Transunion does not update the other two credit bureaus intentionally in order to coerce me/customers to actually repurchase their 3 bureau report at full price because the report date does not change. The service you pay for is suppose to allow you to see all three bureaus credit report scores in real time. Only TransUnion scores are reporting in real time 7. The 3 Bureau credit monitoring is XXXX/mo. I feel XXXX for past two months need to be refunded to me immediately. 

8. TransUnion continues to refuse to transfer my calls to the United States once I make demand on it's representatives. This is a Federal Violation for TransUnion to refuse to transfer a call once demand has been made.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I received a letter dated XX/XX/2019 from XXXX indicating that based on a hard inquiry, a credit report from Experian was provided on XX/XX/XXXX and used as " the terms of the credit we are offering you ''.

I want this hard inquiry removed from our credit reports ( my husband also ), as we have not applied for credit from anyone in the last two years at least.

Today, I called the telephone number on the credit report for XXXX ( XXXX ) XXXX and reached a recording stating " this is a non-working number ''.

Today, I called the number in the letter for Experian and the automated system indicated they would put a " freeze '' on my credit.

Today, I sent an online complaint to Experian indicating that I want to file a consumer report dispute.

Today, I am reaching out to you.

Additionally, two of my credit cards were cancelled and reissued on XX/XX/2019, due to suspected fraudulent activity so I am trying to cover all bases.
Consumer complaint received 2019-05-07
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. (LA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.