davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

They have a transaction processing system that is generated to charge me, the customer, a fee when there is no reason to do so said Bank does not allow the customer any time period - however minor as it can or should be, to monitor or even correct their account 's ever changing balance is it because they want to charge fee s. Said Ba nk sent me an email at  XXXX  in the morning charged my and over draft fee and my deposit came  in 2 ho urs later prior to that - I had enough money in my account. I have also complained that they are still sending me financial statements to my house after I have told the for over 6 months and change preferences to reflect that. I am appalled that after speaking to a m oney manager  that she could not or would not offer any solutions.pnc I just spent time away from job to waste time speaking to someone who had nothing to offer me. I do not trust this bank.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

On XXXX XXXX 2017 I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in XX/XX/XXXX now again in XX/XX/XXXX it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed XXXX, XXXX, and Experian are reporting it again in XX/XX/XXXX. My file number with cfpb that states this will be removed from all reporting agencies XXXX
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MA)

Chase Bank allowed  XXXX   XXXX  to open a joint credit card without my authorization on   XXXX   XXXX   XXXX  .  XXXX  and I were never married and he had no authorization to open an account using my name. He has run up a balance of over {$14000.00} and has not made a payment since   XXXX   XXXX  . I only learned of this account when i noticed my  credit score dr opped. When I called Chase, in  XXXX  of this year, they informed me that  XXXX  had opened the account. I informed them that he must of obtained my SS # from custody documents from our children.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-24
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: Experian Information Solutions Inc. (UT)

Sent Experian a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Experian has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bureau of Accounts Control (NY)

Bureau of Accounts, Con  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received any letters nor telephone calls that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files -  XXXX ,   XXXX   and  XXXX .     The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt '' . If Bureau Of A ccounts does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2022-12-08
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. (CA)

In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX  Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Formal Dispute of Inaccurate Account Information - Account No. XXXX Dear XXXX  Disputes Department, I am writing to formally dispute the inaccurate information reported on my credit file regarding the account with the original creditor, XXXX  XXXX XXXX XXXX. The account number in question is XXXX. 
Dispute Summary : Original Creditor : XXXX  XXXX XXXX XXXX XXXX Reported : {$910.00} Date Opened : XX/XX/XXXX Current Status : Collection Account, {$910.00} past due as of XX/XX/XXXX Grounds for Dispute : Inaccurate Reporting : The account is inaccurately reported as a collection account with a past due balance of {$910.00}. This information is incorrect as the account has been previously paid off and should not reflect a past due status. Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The erroneous information on my credit report has caused significant harm to my credit standing. 
Violation of Consumer Protection Laws : The reporting of this account violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation. Additionally, 15 U.S. Code 1681s-2 obligates data furnishers to provide accurate information to credit reporting agencies. 
Request for Action : I request that you immediately cease reporting this account to all credit reporting agencies and correct the inaccurate information on my credit file. Additionally, please provide me with documentation that substantiates the validity of this debt, including but not limited to : Proof of the original debt, including any contracts or agreements signed by me. 
A detailed payment history showing how the balance was calculated. 
Any communication records showing my acknowledgment of the debt. 
Legal Notice : Please be advised that litigation is pending regarding this matter, as previously noted on my credit report. I expect a prompt resolution of this dispute in accordance with the consumer protection laws mentioned above. Failure to comply with these legal requirements may result in further legal action. 
Closing : I request written confirmation of the actions taken to resolve this matter within 30 days of receipt of this letter. If the inaccurate information is not corrected, I will be compelled to take further legal action to protect my rights under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

Company  : Credit Control Company I h ad insurance with   XXXX   and I did n't renew the policy but   XXXX   kept the policy going without a payment so now I am being harassed by the collection agency they have hired to collect the amount that I do not owe. My complaint is this compan y Credit Control Company has reported the same account on my credit report   XXXX   times in one month an d the account is showing up on both my  XXXX  credit report and my  XXXX  credit report which is impacting my credit very negatively. The company has not done anything to correct their error. Both credit companies send me alerts due to prior attempts of fraud in my name. This company is shady and they have no regard for the damage they are causing. The representatives are rude and will not let me speak with a higher official to resolve the issue they advised they will keep reporting it until it is paid. And to my knowledge it is illegal for the same account to be reported over and over again on my credit file. The amount is for {$190.00} they reported this account on  XX/XX/XXXX  , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  las t conversation with their company was today @ approximately  XXXX  in which the rep stated they need my full credit report to be faxed over and that I will not be doing because I 'm sure they can see each time they reported this account. The account is not new they keep reporting it like it 's a new collection account every time they submit the information to  XXXX  and  XXXX . This account goes back to  XX/XX/XXXX .
Consumer complaint received 2017-05-24
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: EQUIFAX, INC. (TX)

XXXX   XXXX   XXXX   XXXX  owns a lot in  XXXX  on  XXXX   XXXX  and attempted to sell his lot using our office  XXXX   XXXX   XXXX . We opened title at  XXXX   XXXX  in  XXXX  and the title commitment came back yesterday showing a Lien on the vacant land from  XXXX   XXXX    XXXX    which has been bought out by  XXXX   XXXX    XXXX   or   XXXX   XXXX   XXXX   XXXX    ( u nknown at this time ). We have tried to contact  XXXX   XXXX   XXXX  however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed.     My client paid cash for his lot in  XXXX  of  XXXX  and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in  XXXX  of  XXXX .  XXXX   XXXX  is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the   XXXX   XXXX   XXXX   sign a release of lien so my client can close on his vacant lot.      XXXX   XXXX   XXXX   Complainant 1   XXXX   XXXX   Complainant 2   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , Texas  XXXX   XXXX
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of Ameri ca Privacy Assist r eports the  XXXX  credit bureau scores on their service website. They represent that the scores are ones  XXXX ,  XXXX , and  XXXX  scores. THE SCORES ARE NOT THE CORRECT SCORES although they title them as such. I used their service to try to improve my credit prior to applying for a loan using the exact same bureau scores, but when the lender pulled them and when I pulled them from the  XXXX  companies, the scores provided by Bank of America were a fraudulent misrepresentation and were not the  XXXX  scores provided by the bureaus. When I contacted privacy assist, they said the scores are " educational '' and not the real scores. I have been paying for the service for years for the purpose of monitoring my ACTUAL scores from the  XXXX  bureaus only to come to find out years later that they are fraudulently misrepresenting the scores of the bureaus in what I believe to be a " feel good '' fashion although they are not correct. If Bank of America wanted to provide me " educational scores '' they should have titled the scores as such and not used the bureaus names in the scoring. I WANT MY MONEY BACK!!!
Consumer complaint received 2017-05-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Open Date  :  XXXX /2016 {$3600.00}  Open Date  :  XXXX  2016  {$860.00} I was told that each contract was cancelled and after months it was not removed.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

We have been awaiting short sale approval since  XXXX   XXXX  2017. the negotiator keeps promising the approval will be ready " in a couple of days '' but it never comes. Today I was told that the approval was not issued because they needed updated document. The documents which they requested  XXXX ,  XXXX   XXXX , an d Dodd fr ank were all updated and provided as of  XXXX   XXXX . Those documents have a 90 day self life and are not expired. This caused an unnecessary delay when the buyers are going to walk if the approval is not received by  XXXX   XXXX .
Consumer complaint received 2017-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

I wrote to Equifax on XXXX XXXX, 2017 and received proof of delivery showing they received the letter on XXXX XXXX. The FCRA requires them to respond within 30 days. As of XXXX XXXX I had not received any response so a telephone them and got stonewalled. Identical letters were sent to XXXX and XXXX the same day. XXXX provided an appropriate response within a week or so. When XXXX failed to respond within the 30 days required by law I telephoned them and they handled the issue immediately. Equifax has refused to respond and was rude and deceptive when I tried to talk with them about my dispute, claiming their actions were exempt from the requirements of the FCRA. I want Equifax held accountable for complying with the FCRA! Attached is a copy of my letter to Equifax, dated XXXX XXXX, 2017. I can provide a copy of the U.S. Post Office proof of delivery on XXXX XXXX 2017.
Consumer complaint received 2023-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to file a complaint against XXXX, XXXX, and Transunion for not investigating my credit dispute and failing to provide a response within the required time frame as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

On XX/XX/, I submitted a dispute to XXXX, XXXX, and Transunion regarding inaccurate information on my credit report. 

The disputed items were : XXXX. XXXX - XXXX - 15 U.S.C. Section 1666 Correction of billing errors - Update to paid as agreed and remove late payments from the payment history. 

XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Update to paid as agreed and remove late payments from payment history. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States That No Late Payments Are To Be Reported To The Financial Credit Bureau During The Time Of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States that no late payments are to be reported to the financial credit bureau during the time of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX XXXX. XXXX - XXXX - Under 15 US Code 1692g Validation of Debts- Please delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX - Under 15 US CODE 1692g Validation of Debts- Please delete this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX  - Under 15 US CODE 1692g Validation of Debts- Please remove this account from my credit report immediately. 

I provided all necessary documentation and evidence to support my claim. 

Credit reporting agencies must look into disputes within 30 days ( or 45 days if more information is given during the investigation period ) and let the consumer know what the results are. But XXXX, TransUnion, and XXXX haven't responded to my dispute or given me any updates on the investigation, even though the deadline for the investigation has passed. I am trying to buy a home as soon as possible, and this is really hindering the process.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, 2017, I went to the local branch of Bank of America in XXXX, NJ, to make a payment on my credit card. I was told to use the Bank of America ATM located there. I inserted the money, {$730.00} in cash, and attempted to make a payment, when the machine came up with an error notice and informed me that my cash would be returned. A few seconds later, another error came up on the screen that said, '' unable to return your money ''. It then printed out a receipt with a contact number for me to call. I went up and spoke to a teller who told me the money would be found that night when the ATM was opened. I then proceeded to call the number listed and was told that there would be a credit within 48 hours to my account for this money. After 48 hours, there was still no credit. We called again and were told it would take seven days. After seven days, I still had not received the money or a credit to my account, so I again called and was informed that I would n't be getting the money back, it was n't their problem, and I was on my own. When I asked about interest fees and my credit report, I was told it was n't their problem. I called the local bank manager, and he gave me another story. He told me that the money would be credited since they found it, and they would take care of any fees associated with it, credit issues, etc. but to give him another few days for it to be done. On Monday, XX/XX/XXXX, I received a call from the bank manager, XXXX, again. He told me that everything was taken care of, and the credit would appear on the account within 24 to 48 hours. I waited until Friday, XX/XX/XXXX, and the credit still had not shown up. When I called up today, XX/XX/XXXX, I  was told that I had no right to be upset or worried, and that the credit would show up, but for now, there is no timeframe for it to happen.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.