davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

My complaint is in regard to a letter I received from " Transword Systems Inc. '' seeking to collect a debt which I have already paid.
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Brief backstory : From XX/XX/XXXX to XX/XX/XXXX I rented a vehicle with XXXX XXXX through their program with XXXX. On Saturday XX/XX/XXXX I returned the rental vehicle to XXXX XXXX. The employee with whom I returned the vehicle explained to me that since it was Saturday, the staff who handle their XXXX vehicles were not in that day - and that I would be called on Monday XX/XX/XXXX to resolve any outstanding balance. Monday came and around XXXX XXXX. I realized I had not been called by XXXX, so I called them and spoke to " XXXX '' about paying my outstanding balance. I told him that I had sufficient funds in the debit account which they had on file, and he said that he would attempt to make the charge and then call me back. He never called back, nor was I charged. On XX/XX/XXXX (XX/XX/XXXX ) the two deductions were finally made from my debit account ( one in the amount of [ {$110.00} ] and a second in the amount of [ {$180.00} ] totaling [ {$290.00} ] by XXXX XXXX.
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Complaint : On SaturdayXX/XX/XXXX I received a debt collection letter dated XX/XX/XXXX from " Transworld Systems Inc. '' on behalf of " XXXX XXXX ''. This collection letter is dated 20 days after XXXX XXXX deducted the exact same amounts from my debit account. The letter claims : " CURRENT BALANCE DUE : {$290.00} This Balance is a Sum of Balances from 2 Account ( s ).
See additional page ( s ) for account detail. '' On the additional page with account details, the following balances are listed : " {$110.00} '' " {$180.00} '' In short, on XX/XX/XXXX - two deductions were made from my debit account by XXXX XXXX for the exact amounts and total above ( one for {$110.00}, and a second for {$180.00} - total of {$290.00} ). 20 days later, Transworld Systems Inc. dates a debt collection letter to me on XXXX 's behalf for these exact balances which I have already paid. I can provide a bank statement showing the date and amounts withdrawn from my account by XXXX.
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NH)

I wanted to freeze my credit at the 3 government approved agencies : https : //www.identitytheft.gov/ # /CreditBureauContacts To do this, I have to manually request that each company freeze my report. 

XXXX and XXXX let me freeze my credit report. 

Experian failed to freeze my credit report and my identity is compromised. 
Experian has failed to meet : TITLE III -- PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS ( Sec. 301 ) The bill amends the Fair Credit Reporting Act to increase the length of time a consumer reporting agency must include a fraud alert in a consumer 's file. It also : ( 1 ) requires a consumer reporting agency to provide a consumer with free credit freezes and to notify a consumer of their availability, ( 2 ) establishes provisions related to the placement and removal of these freezes, ( 3 ) creates requirements related to the protection of the credit records of minors. 

https : //www.congress.gov/bill/115th-congress/senate-bill/2155
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (SC)

I was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-09
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank - XXXX XXXX XXXX XXXX, XXXX, IN XXXX. 

I did not request or authorize a debit card. Someone hacked into 5/3rd 's computers and created a debit card and started using it. I found out, reported it, they canceled the card. At that point, I told the bank that withdrew my authorization ( something they automatically link ) for a debit card to be linked my checking, staff assured me that would be done. About a year later the same thing happened - another unissued, unauthorized, unasked for debit card had been " issued '' to a hacker and things were being charged to me. I informed the bank about this and they canceled the card. However, some of the charges were beyond the time frame for cancelling. I contacted management and was told it was my responsibility to monitor the account ( including the card I had not authorized ). They said they would look into weeks ago, and nothing has been done. 

Fifth Third 's system allowed this to happen - I never asked for a debit card from them at any time. 

The bank has all these records for your review. 

Thank you
Consumer complaint received 2019-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MI)

In XX/XX/XXXX, I applied for one of the two loans from XXXX XXXX for my daughter 's college tuition. In the beginning when I inquired about different aspects of the loan, before signing any document, I made several phone calls, and realized that the interest rate changed throughout the day which I thought was only for international currency exchanges. I also asked at least twice if I paid more than the monthly amount due, that the additional money would be used to pay down the principle and at least twice I was told yes. 

On XX/XX/XXXX, I called XXXX XXXX because I realized that the extra money I had sent in was not being applied to the principle of the one loan. After being kept on hold 10-15 minutes the person came back and said that the money had been put aside for future payments. I asked to speak to a supervisor more than once and I was never able to speak to one. I was told that " the supervisor would allow the money to be paid towards the principle of the one loan this time, but it could not be done in the future. '' I thought that this may be considered predatory lending with the amount of the interest, the misrepresentation of facts, and the inability to speak to a supervisor as if I was being put off and felt as if the company was involved in a scheme. This has affected credit reports for both myself and my daughter.
Consumer complaint received 2024-10-20
Product: Credit reporting 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. (GA)

Upon reviewing my credit report, I discovered the following unauthorized inquires : I did not apply for credit of authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 

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 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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
Consumer complaint received 2024-08-15
Product: Credit reporting 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. (WI)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is in reference to complaint XXXX. Experian responded stating that the company verified that the disputed information was accurate as reported, but how can that be when I attached the letter from the company stating that they would be doing a goodwill adjustment. I do not believe that Experian cared enough to open the pdf attached because if they did, they would have seen the company 's response. The company also stated that no one from Experian recached out to do an investigation. Per the Senior Specialist XXXX at XXXX XXXX, this account is to be updated. If this account is not updated in 15 days, I will be seeking legal action. Once again please see the attached letter from the Creditor stating that they sent an AUD and requested that the late payment be removed.
Consumer complaint received 2018-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is currently reporting a negative account XXXX XXXX XXXX. I have disputed this account three times. I have asked for validation of this debt and verification of the steps used to verify and validate this debt. Transunion has failed to provide me with this information.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I am writing this letter of complaint regarding USAA Federal Saving Banking practices with regard to its customers. Both my spouse and I currently bank at USAA. We hold various accounts, such as CDs, savings, credit/debit cards, and checking accounts. 
We can not access or lockout our accounts because we refuse to provide our personal financial, political, or governmental affiliations and/or wealth information. We firmly believe the requested information from USAA Federal Saving Bank every year goes beyond the Anti-Terrorism Laws and KYC regulations.

We have requested that USAA Federal Savings Bank provide us via US Postal Service with the written documents of the requested information, which they need to verify. Still, they have yet to provide us with such information in written format, not electronically. Since we have no access to our USAA Federal Savings banking accounts, to included both checking and savings online or via our phone apps, we are unable to meet our everyday needs and financial obligations, such as our mortgage payments, utility bills, auto loan payments, home mortgage insurance, auto insurance payments, along with various credit card bills and food needs. 

The action taken by USAA Federal Savings Bank has caused serious emotional distress and financial hardship as a XXXX service  veteran and for my immediate family by blocking or interrupting services access to my banking accounts held at USAA Federal Saving Bank. I will note that no other banking institutions, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  or XXXX XXXX, or XXXX XXXX, have requested or sought the kind of personal financial information that USAA Federal Saving Bank is demanding from us. 

I have spoken with XXXX XXXX XXXX at USAA, I advise her that my address, date of birth, XXXX, and Personal Identifying data are current and correct. I informed her I was not comfortable providing additional personal financial information and that I believed this information would be used for marketing purposes and not KYC regulation. 

She advised that the information would not have to be provided if I am not comfortable providing the requested information. I also informed her ; no other financial banking institution has ever asked me to provide such personal financial information as USAA demands. As also informed her that the letter from USAA threatened adverse actions regarding our tax and credit reports. We do not subject to any XXXX 's reports or subject or accused of violating any US financial regulation laws of any kind. 

As also informed her that the letter from USAA threatened adverse actions regarding our taxes and credit reports. We will note that I received harassing calls to provide this information or constant notification on our USAA phone app and online USAA app. 
I am seeking immediate assistance regarding this matter. If you need additional information, please dont hesitate to contact us.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I requested PNC Bank close my escrow account. I received confirmation from PNC that escrow account closure was approved. PNC letter dated XX/XX/XXXX, to close escrow account requested closure fee {$900.00} + negative account closure balance {$3800.00} = {$4700.00}. I returned PNC signed consent form + I sent PNC cashiers check {$2200.00} + I paid 2nd quarter XXXX XXXX property taxes which was becoming due the XXXX of XX/XX/XXXX of {$2500.00} = {$4700.00}. PNC Bank now owes me {$400.00}. PNC is refusing to close escrow account and is demanding I return payment to them of {$2500.00}, the exact amount of confirmed property/city taxes paid to the XXXX of XXXX XXXX XXXX I have been in contact with XXXX XXXX, XXXX at PNC Bank, Executive Client Relations ; who has gone incognito as of Friday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called PNC Customer Support and was told they could not help as this matter has already been escalated. My mortgage account has been abandoned and is racking up unnecessary fees, which I know will be removed by PNC. I was told by PNC Customer Support they could not help as this matter has already been escalated. I find the whole thing preposterous. It was PNCs gross neglect of my account which caused a negative escrow balance to arise in the first place. And now similar to creating a negative escrow balance by failure to properly pay automated property taxes, PNC 's gross neglect of my account to close escrow is causing me severe anxiety and distrust of this institution. PNC should acknowledged that escrow has been closed. PNC is still escrowing - why? I do not want PNC in my account other than to accept mortgage of {$1800.00} which becomes due on the XXXX of each month. Kindly return overpayment PNC check to me of {$400.00}.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (FL)

I am victim of Identity theft. Please delete those hard inquiries off my credit report! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/2020 I was told by XXXX XXXX XXXX XXXX that I had to put a down payment of {$8000.00}. They claimed Ally Finical asked for that amount. XXXX XXXX XXXX XXXX is in Violation of 15 US code 1605. I'm requesting my downpayment of {$8000.00}. to be returned to me within 10 calendar days.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently disputed a negative erroneous and frivolous 30 day late on my credit file and have not received a response back.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

On XXXX I sent a letter to the credit bureaus, my U.S. POSTAL SERVICE CERTIFIED MAIL RECIEPT tracking numbers are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in regards to remove personal information that is reporting incorrectly, and to make sure that all my credit reports match up. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. also according to 15 USC 6802. no Financial Institution can share my information with third party people. 

THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Consumer complaint received 2023-04-28
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. (IL)

that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

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: Experian Information Solutions Inc. (GA)

I am writing to demand the immediate deletion of the XXXXXXXX XXXX XXXXXXXX account from my credit report due to multiple discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are obligated to ensure that all information contained in consumer reports is accurate, complete, and verifiable. 

Upon reviewing my credit report, I have identified the following discrepancies that render the XXXX XXXX XXXX account inaccurately reported : Credit Limit Discrepancy ( XXXX Report ) : The XXXX report lists a credit limit of {$0.00}, whereas the XXXX and Experian reports correctly list the credit limit as {$1700.00}. This discrepancy indicates a failure to report accurate information. 

Date of Last Payment Discrepancy : XXXX reports the date of last payment as XX/XX/year>, while XXXX reports it as XX/XX/year>. The inconsistency in payment dates between the credit bureaus is unacceptable and misleading. 

Account Activity Discrepancy : The account 's last activity date is reported as XX/XX/year>, by XXXX, and as XX/XX/year>, by XXXX. Such conflicting information suggests that the account is not being reported accurately. 

Incomplete High Credit Information ( XXXX Report ) : The XXXX report fails to list the high credit amount, unlike XXXX and Experian, which both report the high credit as {$2300.00}. This omission demonstrates a clear lack of completeness in reporting.
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: Experian Information Solutions Inc. (TX)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I made an appointment at XXXX for myself and another person. The contract is with me directly and XXXX charged me for both cancellations. As you can see, I was debited 6 times and charged twice for services not received. I agree to pay my cancellation however I'm not responsible for other persons payment. I have tried to dispute this with the merchant and bank of America and getting nowhere. I want my {$69.00} back. 

THIS IS A CONSUMER TRANSACTION