davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
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 called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XXXX of XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called Transunion for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score  was decreased by 52 on XXXX and 74 points on XXXX. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.
Consumer complaint received 2022-12-28
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. (NJ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

We've had the American Express card since XXXX, have never fallen behind making payments, now comes Corvid-19 and the XXXX  is not making hardly any money to pay all the bills, while all the other credit cards has kept us in the Corvid-19 payment deferment, when I tried to reach out XXXX to American Express via chat and spoke to one of their account specialist he told us that they were not able to extend anymore help with the Corvid-19 that they already gave us 2 or 3 months that we had to pay the past due bill by XX/XX/XXXX otherwise it will assess late fees and interest, I find this so unfair that every other credit card is working with us but they won't, the only thing that he said we were eligible for was a short term financial relief program offering up to 12 months of support with an APR of 5.99 % and the payments would be XXXX per month, and we must paid the first month up front to be eligible for this program, really? how? we are hardly making it as it is, they are making it very hard on us, so so disappointed to find out how inconsiderate they are, we didn't ask for this, is going to be slow for the business to pick up, people have no money at this time. How can they not give us more time, this pandemic is a slow process people has just recently gone back to work and that's not everyone. I don't understand why if all the banks out there are still helping out the consumer with the Corvid-19 deferment that American Express won't do the same. We need more time for the XXXX  to pick up. Is not fair to want to offer us a short term financial relief program when we dont have that kind of money to pay right now and on top of that charging us interest? really! It seems that with American Express is all about money they dont care what kind of situation the consumer is in.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Bank of America Debit card for Unemployment was stolen and all the money was taken out. I filed a fraud report and disputed the transaction, and after Bank of America did there investigation they found me not liable, and sent a letter stating that the funds we now permanent, well I still havent received those funds and my account is still negative XXXX
Consumer complaint received 2020-06-11
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 2021-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2020-06-10
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. (IL)

Trans Union will not update my credit report. It states that I have 12 years of late or delinquent payments. This is not true and late payments do not show on my credit report. I have called several times and can only speak with a support agent. I have asked what are the late payments and why doesn't XXXX  and XXXX  show the same information. I have asked these questions and have only be told that it could be multiple reasons but never have I been given a straight answer. I have been denied credit because of Trans Union and have had to use a different method which charges higher interest rates On my bank statement they use Trans Union to show my credit rating and when I look at my credit score it reads a poor. I have tried to dispute this message but can not on Trans Union credit bureau nor can I establish a complaint with their support group. In 2008 I did lose my job and went through a rough period for a few years but that was years ago. Even a bankruptcy is removed from a credit report by law after 7 years or less I think. How long will I be penalized? I need your help.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The financial institution I am complaining about is Capital One 360. Everything started with a call from a restaurant telling me someone was placing food orders for alot of money under my name, but to a different address they had on record. I immediately called the bank after I was told from the restaurant they were gon na refund my money. The bank Capital One 360 advices me to cancel my account, so nobody else had access to it but by doing that I was also closing to the restaurant to received my refunds. They said call back in 3 days and we will contact the restaurant to get your refunds. I checked my account and I noticed lot of transactions that were not made by me going back to XXXX last year. I opened a different claim than the one from the restaurant. A month later they sent me an email denying all Of my claims and saying the investigation came out you usually buy on those stores so those transactions were made by you and yes I buy usually on those stores but I live in MA the transactions were made on XXXX. They still refusing my claims I asked for an appealed or reopen the case and they refused to. I decided to call the stores I could to try to figured if they could investigate and try to refund my money some of them did agree it wasnt me. Today was cobtacted by one of the restaurants saying the capital one is refusing to take the refund back because the case is already closed. So no only they just decided no to investigate ( because I didnt do thise transactions ) but when I did their job of contacting everyone now they are refusing to accept my money back. I called them and they are saying because the restaurants wants to refund they gon na reopened the investigation, and they would let me know in 30 days. It is outrageous this institutions can do what they want with your money. I asked for a full review of the supposedly investigation they did and I havent received anything at all. I lost a lot of money and they are just saying the investigation didnt go on my favored and they refused to give me any explanation or information, I am just supposed to believe what they say and there is not anywhere to complaint about or make them do their jobs.
Consumer complaint received 2021-09-09
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXXXXXX ( XXXX ) XXXX XX/XX/2016 I have tried to dispute this several times, this collection was removed off of the other credit bureau but is still with XXXX.I refuse to call this company because they continue to ask me for my personal information, without taking the account number. That's because they want to stick me with paying this. A debit validation letter was send, after the original credit charged it off. They have no right to collect from me. I need this deleted from my account. They have to show a legal right to collect. I need a sign contract and they can not provide this for me. They don't have the life of the account. They brought this debt, and in the State of California they are not able to collect, also is the company a real legal company. I have not agreed to pay this debit. I have disputed it.
Consumer complaint received 2021-01-20
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. (GA)

I reviewed my credit report and that there was an inquiry on my Experian and XXXX  Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.
Consumer complaint received 2022-08-15
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. (TX)

I disputed an account with XXXX XXXX XXXX XXXX on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. Experian and XXXX stated to me the account was removed and then reinserted back on by the DATA Furnisher. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.
Consumer complaint received 2021-11-29
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. (HI)

XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH TRANSUNION, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM TRANSUNION. XXXX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUI Credit Services, Inc. (MA)

XX/XX/XXXX XXXX  XXXX XXXX contacted by " RUI credit services '' stating I owed {$440.00} from XXXX XXXX XXXX XXXX ) for an apartment my former company, XXXX XXXX XXXX XXXX, owned but sold in XXXX ( address XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). They said the debt was from XX/XX/XXXX. I informed them that this was impossible as all of my apartment units were all rented prior to the time I sold the property and tenants were responsible for all of their utilities. He was rude, robotic and repetitive. 

I immediately then called XXXX for further inquiry. They informed me that my account was paid in full and I only have one active account under my name for my personal residence, also with a XXXX balance. I then called RUI and spoke to XXXX, to inform them of these findings as well as stating they are part of a scam company. Also, XXXX stated they do not even handle collections in this manner ( XXXX XXXX XXXX ). The RUI representative said they would send it to another collection agency. XXXX was unwilling to give me their corporate, physical address, but only a po box address where I could " send the check. ''
Consumer complaint received 2022-12-28
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. (GA)

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. 

Account name : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms XXXX Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} XXXX XXXX XXXX  Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} XXXX XXXX Months Account name :, Account name : # XXXX, These Companies 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 XXXX 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 2022-08-15
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. (GA)

XXXX XXXX  has reported my account being late for the month of XX/XX/XXXX. I have contacted them and they refuse to correct the inaccuracies. Attached you will find a copy of my payment history. XXXX XXXX  is illegally reporting information to all 3 credit report agencies. I was made a late payment of XXXX on XX/XX/XXXX and I made 2 payments of XXXX ( XXXX ) on XX/XX/XXXX. The balance of the loan even shows reporting incorrectly.
Consumer complaint received 2022-10-12
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IL)

Financed a vehicle with Wells Fargo from XXXX. Was charged an extra fee for auto insurance that they placed on my vehicle regardless of the fact that I had my own insurance in place for tge entire duration of the loan. Wells Fargo refused to acknowledge that this was a problem and frankly I got tired of fighting with them over this. Paid the loan with the extra fees and have never done anymore business with Wells Fargo since.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

FRANKLIN COLLECTION SV XXXX AMOUNT : {$580.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NY)

I submitted complaint XXXX and it was closed and nested under other complaints about PNC. That complaint was about a separate issue. PNC is refusing to cash out my account as is my right. Just because I won't close my account doesn't mean they can keep me from withdrawal to full amount. I still have not heard from PNC about this other than they are waiting for the local branch manager to get back to them, who has also not contact me. I still expect to take out all my money and impatiently awaiting their response. It seems PNC doesn't have the money or cash to give me ..... 

The original complaint said : I am attempting to close my account with PNC. They are refusing to close my account and refusing to allow me to take my money out to the account. Most recently they told me I had to wait a week and speak with our loss prevention team and refused to place a cash order. I requested I want to cash out my account in US dollars NOT cashiers checks. The bank is refusing and hung up on me. The branch manager is not responding and the corporate officials have been unable to respond or find a solution.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Portfolio Recovery, LLC (CA)

On XX/XX/2020 i called portfolio recovery to negotiate a payoff for a XXXX $ delinquent balance on my credit report. we agreed that i would pay XXXX $ and my account balance would be XXXX $ and the delinquent item would be removed from my report. i recently checked my credit report and portfolio only subtracted XXXX $ from the balance leaving me with a XXXX $ balance on my credit report still. that was not the agreement we had.
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2021-09-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021