davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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. (TN)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I got approved for the Discover It Credit Card with a limit of {$500.00}. Got asked for verification, and added on extra information. Card got closed 1 week later, citing they were unable to verify personal information. Called Support, but ended up getting transferred everywhere without any resolution. Ended up with XXXX points to my credit score when there was no effort on their part to help and just closed my account
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX
Consumer complaint received 2022-11-29
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: CCF Intermediate Holdings LLC (CA)

*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX ( Original Creditor : SPEEDY CASH XXXX ) XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX XXXX Date opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX $
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

on XX/XX/2020 I have Called chexsystem to follow up on a dispute i have made with them due to being a victim of identity theft. The representative said " please hold while i listen to the last call recorded with the previous representative '' because they didnt see a dispute filed. The representative then came back on the phone and apologized and said " Ms . XXXX you did call back in XXXX and the last person you spoke with did not put in the request as you requested ''. I said this is a serious Violation! under the FCRA this must be removed because i have a right to dispute anything inaccurate or doesn't belong too me! They did not remove it they violated the FCRA. This Must be removed and now they want to file a dispute as of XX/XX/2020 knowing it suppose to been disputed and they never touched it and they said they did.. Please removed this from my credit report. They have violated The statue of limitation.
Consumer complaint received 2021-03-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group (TX)

This company started by texting me and family members saying they were with XX/XX/XXXX When I called they claimed to have a " case '' against me for a very old payday loan that was settled years ago. I never received anything in writing but they are now threatening and harrasing claiming that they will garnish wages and take me to court. 
Claiming I owe over {$5000.00} This started XX/XX/XXXX They are claiming to have received my debt/account in XX/XX/XXXX I contacted original creditor to verify they did not sell it to this company and I do not owe.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

I was reviewing my bank account, on XX/XX/XXXX, I noticed the following transactions : XX/XX/2021, two {$500.00} and {$20.00} debits, as well as the following : {$3.00}, {$9.00} and {$10.00}. On XX/XX/2021, the following unauthorized charges made against my account {$9.00}. I contacted PNC immediately by phone. The person on the phone told me that they would cancel my card. That following Monday XX/XX/XXXX, I went to my local PNC branch and informed them about the information that I disclosed to the hotline. I was issued a new card. I was informed that the charges had not posted, and that I should come back when they do. On Tuesday XX/XX/XXXX, the charges were cleared, and I filed a dispute with the bank for the total of the unauthorized charges totaling {$1000.00}. I was issued a provisional credit for this amount, while the bank investigated the matter. I wanted to file a police report, the personal banker, XXXX, said that it wasn't necessary. On XX/XX/XXXX, I received a letter from PNC ( dated XX/XX/XXXX ), saying that they determined that the dispute was resolved and that " no error occurred ''. In the letter, I was informed that I had the right to see the documentation that they used to make their determination. They have neither furnished me with documentation or rationale. Furthermore, they refused to honor my request to close my account and open a new one, or refund my money. They have stated that they are re-opened an investigation, what ever that means. 

I also filed a police report and contacted the FTC at the advice of the XXXX Police. The police took a report, and I am following their directions.
Consumer complaint received 2023-01-12
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. (TX)

I, a consumer and natural person, was denied credit by XXXX XXXX when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and XXXX have got into the hands of the wrong person
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (PA)

This debt collector is attempting to collect a XXXX XXXX XXXX debt that is not mine and I do not owe. This debt originated in XXXX and I have never heard anything about it until the incessant phone calls and letters from Cedars business services started a few weeks ago. I sent them a request for debt validation that was responded to with a debt verification. There was no validation. My signature on the documents provided is CLEARLY not mine. The documents and how the totals were reached are unreadable. They continue to try and collect on a debt that is not mine and falls outside the purvey of the statute of limitations.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (GA)

Republic Finance did not inform me that insurance was not needed to secure loan but Republic Finance used my need for the money and/or fear of not getting loan against me and encouraged adding insurance to loan Received check for XXXX, amount financed XXXX finance charge ( dollar amount loan will cost me ) XXXX but amount of debt totaled XXXX If I do not try to pay off sooner will end up being charged XXXX, XXXX Republic Finance practices encouraging insurance and motor club as it jacks up debt owed I signed and submitted document within 30 day limit to cancel insurance amounts of XXXX XXXX XXXX which totals XXXX Republic Finance refuses to remove these insurance fees from my loan amount Republic Finance also refuses to remove car club XXXX from my debt as I cancelled this service as well within 60 days I asked if Republic Finance accepts lump sum payments that are applied towards principal only and Republic Finance responded " NO '' In my opinion all the practices I have outline make it next to impossible to pay off debt sooner and this company is out to GOUGE you not HELP you
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I bought a large purchase on XXXX  the end of XX/XX/2021. I used my BOA credit card to pay for it online. I saved for it, so when the purchase showed up on my BOA credit card ending in XXXX. I paid the {$1200.00} purchase off. I used their app to make my payment. I use their automatic payment service. Every month to pay down my debt. They debit a set amount of {$100.00} each month on the same day. This was an extra payment I autherized on XXXX XXXX. A one time payment of {$1200.00}. 
On XXXX XXXX they again took another XXXX out of my checking acct. Unauthorized. Leaving my checking account with {$74.00}. 
I call BOA on XXXX XXXX telling them what they have done. Explained it was not authorized by me to take the money. Giving me a credit on my card of XXXX. They Basically stole {$1200.00} from my checking account. The woman told me it would be put under review and if warranted woud give me a refund. It take 3 day from start to finish to take my money from my checking account to there bank as payment. Its been 10 days since I called and I still have not recieved my money. I am racking up bank fees from bounce checks which is not my fault. With the technology that banks use to charge, add interest on purchases and debiting money out of our accounts as bill payments. Why does it take so long to give it back. When I called they saw the transactions instantly. 
I called again today XXXX XXXX only to get there is nothing they can do its still under review. 
How is this fair in any way? How is it that the consumer would be penalized if we missed a payment, under paid the minimum amount due, exceeded our credit limit, or just didn't pay at all by the credit card companies. But they make a mistake and they get to take their time correcting it without punishment. 
They also reporthed to the credit Bureaus that I had paid off my credit card after I called and complained they took my money unauthorized. How is it that my account is under review as of XXXX XXXX for a mistake they made but they reported that i paid it off in full? Sounds like they have no intention on giving me the money they stole from me or pay my bank fees. They're earning interest on money they stole from me while I wait in limbo to see if they are going to give it back to me. I want the interest they are earning as well. They get the interest on my unpaid balace. Whats fair here? 
We are living in a pandemic unprecedented times where people are out of work and struggling because of this pandemic. This is just another hit the consumer has to deal with that could of been resolved in a better and more timely matter
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My Mortgage server Shellpoint mortgage refused to remove fraudulent added fees added to the end of our mortgage. {$1600.00} in additional fees were added to our account with only around {$2000.00} remaining. They gave us several stories that they were attorney fees but couldn't provide evidence of where an attorney was ever used concerning our mortgage. 
The mortgage changed companies several time in the last the last year. Ditech was the last company before Shellpoint. I feel this was a way to tack on additional fees to make the loan profitable for them buying loan papers so late in the mortgage. This company also refuses to send over my Cancellation of Security Deed. Georgia  Law requires they have this be filed with the Court Clerk in my County 60 days after we paid off the loan. I paid the additional fees plus the mortgage balance to get it out of Shellpoint hands because they threaten to foreclose if they were not paid the fees. I talked to other mortgage holders and they said Shellpoint did their mortgage the same way. Added additional fees on the tail end of the mortgage. Basically because its the only way for them to make money on a loan where all the interest has been paid. I'm seeking my {$1600.00} in fees refunded and the {$500.00} in damages Georgia Law requires because the Deed Satisfaction was not provided 60 days from the date of pay off to be recorded with the Superior Clerk of XXXX  County Georgia.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I attempted to close this account back in XXXX, XXXX. Capital One failed to do this and indicated they would waive the Membership fee for the card. They proceeded to charge the fee and assess a late fee. I called again, they claimed to have fixed it. 
Again, the following month they charged another late fee ( 2nd time late fee ) I proceeded to explain, I have been attempting to close out this account as I don't want to pay yearly membership fees since I have NOT used this credit card since XXXX. I did not need this card or the yearly fee assessed. They proceeded to report me late for a 30 day late payment. I called again, they now proceeded to reverse the charges of the late fees, still did not close out the account but will not remove the late fee for the 30 days. I do not want this card, I don't want to deal with this yearly call. after several calls, they finally closed out this card today XXXX - almost five months later. I need them to reverse a late reporting, I did not want this card, have not used this card in 5 years. They said they can not do that and that all they can do is report a XXXX balance. Nevertheless, they have refunded my late fees, cause they understood I did not pay late. I need this corrected, it has adversely affected my score and my ability to refinance my home. My account is finally closed but my credit remains affected because of their lack of diligence.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Roadrunner Account Services, LLC (SC)

Road Runner Financial XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Application ID : XXXX Hello on XXXX  I applied for an extension of credit. I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your company 's decision. I would just like to know what laws and procedures were used to come to this determination. 

Companies procedure does not supersede federal law. This is a direct violation of my rights of consumer 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority, and I received no benefits. Now I would hate for this situation to escalate. I am sure you're just doing your job, but I would now have to hold you personally liable for this.

Federal Reserve section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even exchanged so I would like to use the credits that arised from that transaction. I would like to apply it to the principal account. 

Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against, on the basis of race and defamation of character.

Company stated they couldn't give me the reasons I was denied requested to speak to manager they took my name and number and stated a manager would call me. No one Called me back. 


XXXX ; XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (NJ)

ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted 31 total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer report.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-03-03
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. (MD)

My credit score is consistently underrated and by Experian. My credit score with XXXX XXXX and XXXX typically ranges from XXXX to XXXX. My Experian credit score is XXXX. I contacted Experian on XX/XX/XXXX in an attempt to find out why it was such a disparity with my Experian credit score, Oppose to XXXX XXXX and XXXX  score. I have received a response from Experian as of this writing.