davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called Transunion. Firstly i had to look up 3 numbers to get a person. Secondly it was called XXXX. It seems to me that Transunion & all the credit companies should have customer service call centers or representatives in the USA -especially after a pandemic when everyone is complaining about job placement. 
I tried 4 times and every time we are breaking up the phone is breaking up and they hung up on me. This was from both a cell and a landline. 
I thought I was getting a {$1.00} one time charge and for 16 months they charged my account over {$21.00}. I didnt receive online even one monitoring report ( which wasnt requested. ) They didnt do the basic thing they were charging for they wont refund
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

Prior to purchasing my home, the previous owner removed her pool. I was being overcharged by my township and informed them. They reduced my taxes. I sent the reduction of taxes notice from the Township to PNC as they directed in XXXX. My taxes are reduced by {$210.00} a quarter. PNC has for the past 3 months still have still been charging me the same monthly payment, even though I see that are paying the reduced tax amount correctly. They will not adjust my monthly payment to reflect the reduction in taxes. 

I have sent multiple letters and have called a number of times, I get passed around from person to person with no answer. I left numerous messages for managers I was told were not in and will call me back. The last person, switched me to a number that is no longer working at PNC Bank. I keep paying the overpayment because I do not want this incident to affect my credit but at this point I want to be reimbursed for all overcharges and to have my monthly bill adjusted to reflect the correct payment amount.
Consumer complaint received 2021-09-01
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. (FL)

I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself. I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions.
Consumer complaint received 2021-09-01
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. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1700.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that Experian, XXXX, and XXXX  are reporting. These negative items must be removed immediately.
Consumer complaint received 2021-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NH)

I have tried to pay off this loan that is ruining my credit for the past three months and there is no way to do it apparently I got an email saying there's a glitch in their system and they're not able to apply my payment yet it is still showing up on my credit and they refused to delete it even though I've offered to pay it off in full several times now over the phone I've offered different payment methods anyway I can think of I even have a checking account with them that they could take it out of yet they still can not pay off the loan and get it off my credit I've had it with this company I never even received a loan it's one of those prepaid credit builder loans that I never even received the money for I have to pay for it before I can get the money it's absolutely insane and ironic that it's on my credit and destroying it especially after I tried to cancel it shortly after before anytime even started because it wasn't what I thought it was and I wanted to cancel it out immediately but they would not let me and now they won't let me make a payment I'm done with this company! Terrible. Thinking of closing my checking account bc they are the only ones screwing up my credit and they don't care
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

This Item was removed from my XXXX after your company failed to remove from my credit file. 
How cam the debt be owed to 2 different companies. 
XXXX  had the debt list as XXXX XXXX XXXX and XXXX  has it listed as National Credit Systems So how can both companies send me a verified response when its two different companies. 

The debt was removed from XXXX  but still remain on XXXX. 

Please remove from my account due to failing to provide proof. 

Original complaint : XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XX/XX/2021
Consumer complaint received 2024-09-04
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. (IL)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-09-01
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. (SC)

This is NOT a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (CA)

I had a membership with XXXX XXXX  XXXX XXXX. When the pandemic Covid-19 began due to hardship, I contacted XXXX XXXX and cancelled my membership. The theme park was also shutdown and I had not used my membership or been to the park for many months before then. A few weeks ago, I received a call from Associated Credit services trying to collect XXXX from me and have repeatedly been contacting me. I immediately contacted XXXX XXXX XXXX  XXXX who opened a case regarding this issue! Case # XXXX. I have yet to receive anything in writing from this collection agency in regards to this debt but several calls. They are supposed to send me in writing within 5 days of contacting me which they never did. I do not owe this, I cancelled my membership and believe this is Fraud and taking financial gain out of the situation.
Consumer complaint received 2024-09-04
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. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (WI)

On XX/XX/21 I made a reservation via XXXX for a rental car through XXXX. I have a child who is XXXX to a XXXX and we would need a vehicle that could accommodate his chair. I reached out to XXXX prior to booking through XXXX and asked if they would " upgrade '' me into a vehicle that was larger if I booked the rental from XXXX. They said that it was fine and to just call back once I got my reservation number. Once booked I called back and their answer at that time was I'd get whatever car was available at the rental office. I called XXXX to cancel and they told me they have a no cancellation policy. I booked a XXXX through another company and since then I've been trying to get my money back for a rental I never used and gave ample notice to cancel. Chase told me today via their supervisor XXXX that they have sided with the merchant and I can not reopen the dispute. I was billed {$220.00} for something I never got, had no chance to use and made every good faith effort to cancel. Every rental company over books their product and they suffered no loss.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.
Consumer complaint received 2024-09-04
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. (FL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Citibank froze my account for what they consider is " suspicious activity '', which is me trying to log on to mobile banking. And then when I called to verify my identity, they said they couldn't find my name attached to my phone number in their third-party database of " public records '', even though my phone number is recorded in Citibank 's system. 

Now they have blocked my access to banking. I can't use my money to pay my rent and bills. They won't let me take the money out to go somewhere else. The 90-day hold they're placing is the period of time I need to use the money. 

I need my money back asap. Citibank is blatantly withholding my money without cause and being inflexible with their own house of cars of a risk policy.
Consumer complaint received 2021-09-01
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. (CA)

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a letter to TransUnion, XXXX, and XXXX, due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CA)

I went into forbearance in XXXX of 2020 because I am a XXXX XXXX and my work was affected by the pandemic. Before I entered into the forbearance, I read about the CARES act and saw that entering pandemic related forbearance would not affect my credit, or my ex 's credit because while I own the title to the property, he is on the mortgage still. I have asked about this every time I spoke to my mortgage company and they said that our credit would not be affected. My ex has taken me to court, saying that his credit has been harmed by my forbearance. I would like to speak to someone who can explain to me the CARES Act rules about how credit is not affected by entering the forbearance program. In addition, I was told that my deferred payments would be " tacked on to the end of the loan '' which I wrongly thought meant that the loan maturation date would be changed. On Monday I found out that through HUD that deferred amount is now a balloon payment that will be a lien on the property until it is paid off, and that the loan maturation date remains the same. No one explained this as part of the pandemic forbearance process to me. I see now that I could have gone to this site and HUD and learned more, but I didn't understand that I needed to do that. My lender gave me a website to go to, but I asked and thought that it was a separate program, not the one that I was participating in so again, I didn't look. The communication process didn't ensure that I understood what was happening. I would like for someone to help me understand how that lien will affect the credit of myself and my ex, because he is seeking to force me to refinance or sell the home to get him off the mortgage, and he is saying that the lien is damaging his credit. I would appreciate understanding how the lien will affect our credit and if that is allowed under the CARES Act because it states that credit will not be affected if you enter into the pandemic forbearance program.
Consumer complaint received 2021-09-01
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. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my report to this day over 45 days later I have not recieved a response yet. I did my research I know that the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately delete or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point.
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

In XXXX XXXX, I visited XXXX and they explained a treatment plan. After they got the pre-approval from my issuer, I was to pay {$50.00} co-pay for three visit which I paid. On or about six months after my last treatment, I received a call from XXXX requested an {$800.00} payment for services rendered. I sent a letter of dispute but they never responded until XX/XX/XXXX. At that time, I received a letter from CBA demanding {$800.00}. I immediately sent another letter of dispute and they sent me a ledger but no proof of my ownership was ever sent. Today I found out CBA has sent a collection file to the credit bureaus. I am filing this complaint for that reason. I do not owe XXXX any additional money.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates is erroneously reporting account number # XXXX to all three major consumer reporting agencies. I have tried to dispute directly with the consumer reporting agencies in which Portfolio Recovery Associates verifies as accurate. I then sent a series of correspondences, including a notice to validate, to Portfolio Recovery Associates to correct this issue in which they have sent me only itemized bills from the original creditor and incomplete " electronic files ''. They have failed to provide me with anything bearing my signature, or showing that i have ( or ever had some contractual obligation to Portfolio Recovery Associates
Consumer complaint received 2020-06-08
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. (FL)

I contact all 3 credit bureaus about these fraudulent accounts on my credit report and no actions have been taken. I will take legal action because this is just ridiculous. I've also contacted the FTC regarding these fraudulent accounts.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TX)

I had my business accounts closed recently without explanation. Immediately, the bank restricted access to my bank statements. The bank also restricted my XXXX tokens. I was told that they would be released XXXX weeks ago, then again yesterday and today I spoke to XXXX at Truist Bank and she said that they are not releasing my XXXX  token. I was also told by XXXX XXXX that my tokens would be release on XXXX/XXXX/2024. I have made a total of XXXX phone calls and have been put on hold for longer than XXXX hours at a time. I visited the branch and I was rushed out of the bank because they were going to close in XXXX minutes. 

Could I please get help with getting my pdf copies of my bank statements and my XXXX XXXX  tokens released?