davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, I recently reviewed my credit report onXX/XX/23 and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information on XX/XX/XXXX and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -Remarks -Times ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance Opensky : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided XXXX XXXX  : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) Rent Recovery : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I, the consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. You have 30 days to respond to this letter. Please do so. 

This company failed to respond to this letter I sent on XX/XX/year>. According to the FCRA, this company is in violation. Please delete these accounts from my consumer report.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (KY)

On XX/XX/2023 I loaded {$170.00} to my netspend checking account at XXXX. The next day I tried to make a purchase of {$37.00} and it was declined. When I tried to sign into my account I got a message stating : There is an issue with your account. Please contact customer service to resolve the issue at XXXX, as follows : Attached document. 
I'm on XXXX and could not get my medicine or food because of this. They wanted me to send copies of my drivers license, social security card and proof of address to them. I've had this account for XXXX years and am not sending my private information that they should already have. Also, the bank information on my ssa.gov account was changed to some bank and account number I have never heard of. I think it may have been XXXX XXXX or something like that. I got a new account and tried to changed it with the ssa. If my XXXX payment goes to this fraudulent account, I will collapse. I'm in my XXXX  and need my medicine and food. All I want is my {$170.00} back and this account closed forever. I have proof of my deposit if needed or anything else you may need me to do. I would appreciate it if you could expediate this. The stress is killing me. Thank You
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I received an upgrade offer from American Express in XXXX of XXXX - in exchange for upgrading my card to a different one with an annual fee, I would be awarded points after spending so much money. I feel like this was a bait and switch, or maybe a bait and you get nothing but an annual fee and we get more money. 

The specific offer was upgrade from a card with zero annual fee to one with a {$99.00} annual fee. In exchange for the annual fee, points rewarded on purchases are higher than the card with zero annual fee, and I was supposed to receive a bonus of XXXX points after making {$3000.00} in purchases within 3 months. 

The offer sounded good, and on XX/XX/XXXX I completed the upgrade online using the link provided in the email. I completed the purchasing requirement within the time frame, however I never received the points. I've made multiple calls, spending hours on the phone trying to get the points, but I'm simply told that the offer code wasn't on my account for the upgrade, therefore they will not reward them. 

Sorry, but if there's a back-end issue, and my upgrade offer isn't attached to my account through the black box that runs the website and links to accounts, that's not my problem. I even called after applying for the upgrade and was told that it wouldn't reflect on my account for a while. 

After getting nowhere through escalating my calls, I sent two certified, signature required letters to their corporate locations in New York, NY and XXXX, TX. These were signed for XXXX XXXX and XXXX XXXX, respectively, on XX/XX/XXXX. 

I've given American Express 8 weeks to reply, and I haven't even gotten an acknowledgement that they received my letters, or any other contact except for sending more offers for other stuff or to upgrade my card to the next tier. Again, the main reason I went from a free card to one with an annual fee was for the XXXX point bonus. 

I've included as many supporting documents as I could to show what I expected.
Consumer complaint received 2023-07-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc (TX)

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Possible Finance , Inc. ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

As of today, Monday XX/XX/2023, Possible Finance , Inc. has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A. (NY)

I am writing to register a formal complaint against PNC XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, for their alleged violation of the discharge injunction of my bankruptcy. 
On XX/XX/2020, I received a discharge of my debt obligations from the XXXX XXXX of New York. Despite this legally binding discharge, PNC XXXX XXXX has unrelentingly persisted in their collection activities against me. They have subjected me to undue harassment, including threats of seizing my home and personal assets if I did not adhere to their demand for payment. 
The intensity of this situation was further amplified by the ongoing XXXX pandemic, during which I was compelled to continue these payments. As a retiree on a limited income, these threats have placed an immense burden on me, both emotionally and financially. Out of fear and to preserve my assets, I felt coerced into making payments that, according to my understanding of the discharge order, I was no longer legally obligated to pay. 
Since receiving my discharge, I have personally made payments totaling {$210000.00}. These payments were facilitated with the financial support of my family, adding additional strain on them as well. 
Despite these considerable payments and clearing the balance with XXXX XXXX XXXX, a Commercial Collections XXXX at PNC XXXX XXXX, the harassment did not cease. In fact, they have begun to demand additional payment for late fees and other charges that, to the best of my understanding, are unjustified and unwarranted. 
The undue emotional stress and financial hardship this has imposed on me, particularly given my status as a retiree and the ongoing global pandemic, have been significant. I trust that the Consumer Financial Protection Bureau will address this serious concern promptly and ensure PNC XXXX XXXX 's compliance with the law. 
I am prepared to provide any additional information required for this investigation, and I eagerly anticipate your timely response in resolving this matter. 
Thank you for your attention to this matter.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I recently reviewed my credit report on XX/XX/XXXX and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information onXX/XX/23and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -XXXX XXXX ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance XXXX : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided Capital XXXX : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) XXXX XXXX : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : Transunion : 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 If XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-07-31
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. (IL)

My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied in XX/XX/XXXX. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/XXXX the balance still reflects {$710.00} on my credit report.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (NY)

After a medical emergency and on XX/XX/XXXX was in need to send money to a foreign country, being a XXXX union customer and enrolled in their program I used their app and decided to send the amount of XXXX $ to be pick up in XXXX Dollars. 
After carefully revising the XXXX Agents in the country where the money was to be delivered decided to send my transactions not in the local currency, instead to be pick up in dollars. On the web /app I had the choice to pick local currrncy or US . I decided for the Us currency, at the moment of the transaction the web site had the choice to pick both options. After finalizing my transaction all seems to be okay I had no disclaimer or advice that my beneficiary had the obligation to pick up I. The local currency.I had no disclaimer in the web or in my receipt. 
For my surprise my beneficiary went to pick up the money and was obligated to receive in local currency or cancel. Also the authoritorozed XXXX communicated that is only in the local currency and if she was to pick up in XXXX dollars she has to pay them the amount of XXXX Gs for the difference in the exchange rate. 
This means O loose that amount plus my fee when they unilaterally decided to apply the exchange rate of XXXX and paid my Bf XXXX the local currency. If o knew this from when o was done o was clearly not choose to do so. 
difference who is over XXXX XXXX dollars. I paid a fee of XXXX us to send the wire to ve pick up in dollars and the system allowed me to do so. 
The exchange rate that western unin is way below the oficial rate and arbitrary imposed me to accept, when I could compare and decided for another services without warning. Locals oficial currency in the country os XXXX vs XXXX of western unins exchange obligated me to accept or pay them. If I have the knowledge and it was disclaimed before I should probably choose a better exchange rate in some other company. 
Western unin is forcing its customers to accept this and for my surprise they are doing this to every customer in the country, without warming. 
I placed a complaint to the company the complaint number is XXXX. 
Western unin is imposing only they exchange rate or pay their agent the difference by the beneficiary or cancel and found impossible to recover the money it takes very long the refunds. 
I was obligated and decided to so against my own interest.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

This company is reporting a derogatory mark on my credit as a Collection. I have disputed the charges as this debt is not mine. I am a victim of identity theft and I sent them a copy of my Identity theft Affidavit and still reports on my credit.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CA)

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history DEPT OF EDUCATION/XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects my account
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

Out of the blue Venmo arbitrarily has frozen now suspended my account. I added {$40.00} to my account and after I did this my account was frozen. Ive contacted them multiple times and they refuse to tell me why my account is frozen, now suspended and require me to email them and when I do I get no answers. Apparently the group that handles this doesnt have access to phones so there is no way to speak directly to anyone that can do anything. This is a joke and furthermore criminal that they can just deny you access to your funds for no reason at all
Consumer complaint received 2023-07-31
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX / Account number # XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 604 A.Clearly states that 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 an 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.