davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (HI)

American Express, whom I hold four cards with, had a conversation with me. I asked them how to " raise my XXXX '' score. They told me to pay down my balances, and so I did, over {$3000.00} over a couple of days between on or about XXXX XXXX. The same day I brought my balances down, as they suggested, I received two letters from American Express stating they reduced my credit limit, which brought me right back to the same situation I was facing when I contacted them asking for advise on how to raise my score. I did as they said, and then they immediately reduced my credit limit to the amount it became when I paid all of that money to reduce the debt and to have available credit. They reduced the credit line to the exact amount I paid the cards down to. That put me in the same situation, so they didn't help my report, but after I took their advise and paid down the cards, they reduced my credit limit which in turn actually hurt my credit score, not help it. On the phone, they told me they " assessed my account '' ( which they themselves reported to all three bureaus an excellent payment history with not 1 single later payment ever reported to them, reports I obtained on XX/XX/XXXX ). They told me they based the reduction on a XX/XX/XXXX " assessment, '' but nowhere in the letter they dropped into my account does it say anything about XX/XX/XXXX or any assessment, only dated XX/XX/XXXX and only referencing that date. When I told them I was reporting this to you, they acted like it meant nothing whatsoever to do so. This company lied to me to bring down the amount, advised me falsely that by making the payments it would increase my score, then they immediately reduced my credit limit which now appears to the bureaus that I am still near my limit, which they placed me at after all the payments I made to reduce my debt to ratio cleared my bank ( when I made the successful payments ). The letters also state my credit score was the reason, which is not my credit score on any of my reports. To do this during the XXXX Wildfires ( I live on XXXX ) the day after I made the payments, but then to tell me this was an assessment from " XX/XX/XXXX '' that they didn't implement until XX/XX/XXXX, right after I made the payments they told me to make, is in absolute bad faith, and frankly, they lied. No where in their letters is there any mention of a XX/XX/XXXX date of re-assessing my account. I am stunned by the behavior of American Express, whose own reporting to all three bureaus, reported by them, show never have I had a late payment since the accounts were opened.
Consumer complaint received 2023-08-23
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Payment Info transaction on XXXX as of follows : Amount : {$350.00} Recipient 's info ( scammer ) : XXXX XXXX XXXX XXXX On XX/XX/2023, I immediately called US bank representative to file for a claim for a funds transfer that posted to my account ending in XXXX. This is regarding about me being scammed by someone paying through XXXX. And on XX/XX/2023, they already made a decision that my claim was denied without waiting for me to send enough proofs. 

I already got scammed {$350.00} and I believe that this is already considered under the category as sending money to an individual or business to purchase goods that are not received or arrived not as described, or for services that are not provided. This can include fees which are not refunded when a consumer requests a refund for the item or service. I will provide you enough proofs and evidence that I really got scammed. 

I recently filed a claim regarding me being scammed upon purchasing ticket from someone who seems a legit seller on social media. She claimed and gave me enough proofs that her tickets are legit. I stalked to her XXXX account and it seems like she is the type of person who don't fool people. 

I sent her {$350.00} through XXXX as she promised that once I sent her the money, she will give me the tickets. But it has been an hour of waiting she hasn't send me the ticket yet and even asked me to add {$100.00} for her to send it. But at that moment I already suspected that something is wrong so I was already asking for the money back but she already blocked me. 

Please help me. My claim shouldn't be denied like this. XXXX XXXX  even said that I should report this to my bank institution which is US Bank that's why I am still reaching out to you.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ran my credit back on XX/XX/. I called them directly with no resolve. I disputed it with TransUnion but they have not removed it. I have written letters and it still has not been removed. 

XXXX XXXX ran my credit XX/XX/2023. I did not authorize this. I wrote them a letter and it was returned unclaimed. I disputed with XXXX but they did not remove it.
Consumer complaint received 2023-08-22
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. (UT)

The credit reporting agencies are reporting inaccurate and incomplete information on my credit report. The notation of the late payment on my XXXX XXXX account is inaccurate. By the provisions of the consumer protection laws, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. Also, I have attached a letter from XXXX XXXX to this dispute stating that this account was always paid on time and in good standing.
Consumer complaint received 2023-08-21
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. (PA)

all reporting bureaus have 4 days to fix and remove items linked to identity theft and it has been 10 days and TransUnion and XXXX are in violation by no responding to my aler and request
Consumer complaint received 2023-08-21
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: GOLDMAN SACHS BANK USA (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1983 I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$2800.00}
Consumer complaint received 2023-08-21
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. (FL)

I called TransUnion and the supervisor XXXX XXXX did something on my account that I did not authorize. He kept saying he did it and he can do it and thats in his right. I called to ask about two hrs inquiry and the documentation I sent regarding that and he closed my account that I had with another bank that I was not asking about. I did not authorize him to do that and I kept asking what is he talking about and he refuse to explain, he just said go check your credit report and kept talking over me while I ask what did he do that I did not authorize. This is illegal and again this or whatever he did was done without my authorization. This pass my rights as a consumer and violates my privacy right. This is my account how can someone do something on my account that I did not authorize. The calls are recorded I want that to be revised and fix and this supervisor to be our ish as he is rude and as no customer service skill. Very unprofessional! This is how TransUnion trained their agents to be!
Consumer complaint received 2023-08-23
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp. (NC)

I call the XXXX XXXX XXXX XXXX XXXX, after I was notified from Absolute Resolution Investments, XXXX regarding a unpaid collection debt. The representative I spoke to state my account was close with a XXXX balance. I ran my credit report from XXXX XXXX, XXXX, XXXX, and XXXX, all stated they are unable to locate an account with the last digit. I wrote the company on XX/XX/2023 stated a dispute regarding the debt. Reason : this is not my debt. I requested debt validation. I also request the name of the creditor and a copy of the original contract. I receive copy of a billed that showed a balance and payment. I also request a itemize billing statement that reflect the charges and what the purchase were. I did not received a itemize statement. I did have an account with XXXX XXXX XXXX however the card was settled for less than owed. I do not have the card are the documents to prove. XXXX XXXX had a history of missed posting my payment and lost them occasionally, this is the reason I settled for less than owed. I am now been sued by a collection investment company. There is no reporting on my credit report where the account was settled or even own the account by me. I am not willing to pay for a debit that I do not owe. I request them to provide me proof of ownership and to not have this place on my credit report.
Consumer complaint received 2023-08-22
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. (TX)

I am writing to dispute the inaccurate late payment reporting on my credit reports associated with XXXX Account [ Account Number : XXXX ]. This account is listed on my credit report twice, showing two different amounts for the same account, and it also inaccurately reflects late payments. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request immediate corrective action. 

The FCRA, a federal statute governing the accuracy and fairness of credit reporting, provides specific guidelines that must be followed by furnishers of information like XXXX XXXX : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers provide accurate and complete information to credit reporting agencies. I assert that the late payment reporting on my credit reports is inaccurate and does not reflect my payment history accurately. 

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA places an obligation on furnishers to promptly correct and update any information found to be inaccurate. As the late payment reporting is erroneous, I demand that you correct this information immediately with all credit reporting agencies that have received it. 

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I hereby formally dispute the late payment reporting on my XXXX account, and I expect you to initiate a thorough investigation into the accuracy of these entries. 

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I insist that you adhere to this time frame when conducting your investigation. 

Failure to comply with the FCRA could result in legal action against XXXX XXXX. If these inaccuracies are not promptly resolved and corrected, I am prepared to take legal action to protect my rights under the FCRA. 

I request that you promptly investigate and correct the inaccuracies in the late payment reporting on my XXXX Account [ Account Number : XXXX ], addressing both the duplication issue with two different amounts and the inaccuracies in the late payments reporting. Please provide a detailed written response to me within the time frame stipulated by the FCRA, outlining the results of your investigation and any actions taken to rectify the inaccurate reporting. 

I am committed to ensuring the accuracy of my credit reports, and I anticipate your full cooperation in this matter. Please be advised that legal action will be pursued if XXXX XXXX fails to rectify these inaccuracies promptly and in accordance with federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MA)

We asked PNC Bank to cancel our escrow account and allow us to pay local taxes and insurance, leaving only the principal for us to pay to PNC. 

Later we received a document from PNC requesting our signatures to consent to the cancellation of escrow. It included a fee of {$250.00} to close the escrow account, which PNC claims in CAN charge according to law. However, the law doesn't say they MUST charge a fee, only that they CAN. In addition, nobody from PNC will tell me what this fee covers. 

I requested that the fee be waived and PNC says they only waive a fee if they have mistakenly charged it. We feel this fee is an insult to us as a customer of the bank -- -a fee that is being charged so that PNC won't have to do work servicing our escrow account from now on. In other words, " Pay us a fee so that we don't have to do anything in the future other than cash your principal check. Pay us to do LESS work. '' PNC will also not tell me how they make money through the purchase of loans ( ours originated with XXXX XXXX ) and when the loan was sold, we didn't receive a consent form that asked if we wanted to continue payments into escrow. 

Their logic is, " We don't make money from your escrow account ; we make it by servicing your loan '' -- -but what does that even mean? Somebody is making money somewhere, but PNC agents can not seem to answer how/who/where this is being done. Is their profit more than {$250.00}? 

These fees are not only an insult to customers, they are immoral and should put anyone who may be contemplating working with PNC Bank on guard from a consumer standpoint. Banks have already been fined or slapped on the wrist for charging excessive fees -- -and in our case, this fee is " just because we can '' and mysteriously doesn't apparently cover anything other than a keystroke by a member of their escrow division.
Consumer complaint received 2023-08-23
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (HI)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (TX)

My checking account was compromised and I had a fraudulent check transaction on my account, I contacted BMO bank to report the transaction and I was told to open a new checking account while the fraud is being investigated. it has been over 45days and my account has been restricted without access to my funds. please I need these funds to take care of my family in this current economy. I am left with nothing to survive because BMO won't give me my funds back. this is a life and death situation. I need my funds back asap. 
Acc Name : XXXX XXXX ACC No : XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

I advise I can not use the card to make purchases because I attempted to make a payment on their app today, and it directed me to call them. They will not do anything with my account until they send me a reference number. They would also not allow me to add the card to the XXXX app ( its the Citi Costco card ), or add it to XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.